High-Yield Savings Account Comparison

Affirm vs. Bask Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Affirm

Affirm Money Account

3.60%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58410)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.8
BBB Rating
A+(BBB Accredited)

Important Note

While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank.

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Bask Bank

Interest Savings Account

3.90%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34383)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.6
BBB Rating
B(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Affirm vs. Bask Bank Savings Calculator

Calculations based on current APY for Affirm Money Account and Interest Savings Account
$
$

Bask Bank earns $192.4 more than Affirm.

Affirm

Affirm Money Account

3.60% APY

Savings Breakdown

  • Interest Earned
    +$2,177.80(10.8%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,177.80

Effective APY
3.60%
View Details

Bask Bank

Interest Savings Account

3.90% APY

Savings Breakdown

  • Interest Earned
    +$2,370.20(11.6%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,370.20

Effective APY
3.90%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Affirm vs. Bask Bank

Updated: Dec 10, 2025

Why Affirm?

No distinct advantages found vs Bask Bank.

Why Bask Bank?

  • ✓Higher potential APY (3.90% vs 3.60%) on all balances

— Key Feature Differences —

Better Returns at $10,000
Bask Bank

Bask Bank's Interest Savings Account earns more on smaller deposits (approx. $390 vs $360/yr).

Better Returns at $25,000
Bask Bank

Bask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $975 vs $900/yr).

Best for Simplicity
Bask Bank

Bask Bank's Interest Savings Account offers 3.90% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Affirm

Affirm offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.8 (vs. 4.6)

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Bask Bank's Interest Savings Account pays $30 more interest on a $10,000 balance than Affirm's Affirm Money Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

AffirmBask Bank
Automated Data Audit

Executive Summary

Bask Bank offers a competitive Interest Savings Account with an APY of 3.90%, making it the winner in this comparison. This account is online-only, requires no minimum deposit or balance, and has no maintenance fees, providing simplicity and better returns on larger deposits. In contrast, Affirm provides an Affirm Money Account with a lower APY of 3.60%. While Affirm is noted for its excellent mobile app experience, it does not surpass the higher yield offered by Bask Bank. Both accounts are FDIC-insured and do not require direct deposit.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreAffirmExploreBask Bank

Top Market Contenders

See who beats both Affirm and Bask Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.70% vs Bask Bank
Better Rate
Pibank vs AffirmPibank vs Bask Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.41% vs Bask Bank
Better Rate
Axos Bank vs AffirmAxos Bank vs Bask Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.50% vs Bask Bank
Better Rate
TIMBR vs AffirmTIMBR vs Bask Bank
FeatureAffirmBask Bank
APY
3.60%
Verified: 12/10/2025
↘︎ 0.25%90d Change
3.90%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NameAffirm Money AccountInterest Savings Account
Minimum Deposit$0$0
Min. Balance for APY$0$0
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.8
iOS4.7
Android4.6
BBB RatingA+B
Important NotesWhile Affirm is not a bank, it is FDIC-insured through partner Cross River Bank.-
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 11 Months Analysis
MetricAffirmBask Bank
Affirm Money AccountInterest Savings Account
Current APY
3.60%3.90%
Trend
 Stable Stable
Velocity (bps/mo)
-2.7-4.5
Days Since Change
7534
11-Month High
3.85%4.50%
11-Month Low
3.60%3.90%
Adjustments / Mo
0.090.46
Volatility Score
0.0300.037
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 323-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare Affirm vs...

Comparing against Standard Savings

vs Affirm
PibankNo Bundle Req
4.60%
APY
vs Affirm
TIMBRNo Bundle Req
4.40%
APY
vs Affirm
Newtek BankNo Bundle Req
4.35%
APY

Compare Bask Bank vs...

Comparing against Standard Savings

vs Bask Bank
PibankNo Bundle Req
4.60%
APY
vs Bask Bank
TIMBRNo Bundle Req
4.40%
APY
vs Bask Bank
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Affirm's APY of 3.60% with other banks
Bank PairCompetitor APYMin Deposit
Affirm vs Ally Bank3.30%$0
Affirm vs American Express3.40%$0
Affirm vs Axos Bank4.31%$0
Affirm vs Bank of America0.01%$100
Affirm vs Barclays4.00%$0
Affirm vs Betterment3.50%$10
Affirm vs BMO Alto3.25%$0
Affirm vs Bread Savings4.10%$100
Affirm vs BrioDirect4.00%$5,000
Affirm vs Capital One3.40%$0
Affirm vs Charles Schwab Bank0.15%$0
Affirm vs Chase Bank0.01%$0
Affirm vs Chime3.50%$0
Affirm vs CIT Bank3.75%$100
Affirm vs Citibank3.30%$0
Affirm vs Citizens Access™3.15%$0.01
Affirm vs Climate First Bank4.21%$50
Affirm vs Discover Bank3.40%$0
Affirm vs E*TRADE from Morgan Stanley3.75%$0
Affirm vs Elevault4.08%$0
Affirm vs EverBank4.05%$0
Affirm vs Fitness Bank4.75%$100
Affirm vs FNBO Direct3.00%$1
Affirm vs Forbright Bank4.00%$0
Affirm vs FVCbank3.85%$500
Affirm vs GO2bank4.50%$0
Affirm vs Ivy Bank4.25%$2,500
Affirm vs LendingClub4.20%$0
Affirm vs Marcus by Goldman Sachs3.65%$0
Affirm vs Neighbors Bank4.30%$0
Affirm vs Newtek Bank4.35%$0.01
Affirm vs Openbank4.20%$500
Affirm vs Peak Bank4.20%$100
Affirm vs Pibank4.60%$0
Affirm vs PNC3.53%$0
Affirm vs Presidential Bank4.00%$5,000
Affirm vs Quontic Bank3.75%$100
Affirm vs Salem Five Direct3.71%$10
Affirm vs Sallie Mae Bank3.90%$0
Affirm vs Santander Bank0.01%$25
Affirm vs SoFi Bank4.30%$0
Affirm vs Synchrony Bank3.65%$0
Affirm vs TD Bank2.75%$0
Affirm vs TIMBR4.40%$1,000
Affirm vs UFB Direct3.71%$5000
Affirm vs Upgrade3.05%$0
Affirm vs Valley Direct4.10%$1,000
Affirm vs Varo Bank5.00%$0
Affirm vs Vio Bank4.16%$100
Affirm vs Wealthfront4.15%$0
Affirm vs Wells Fargo0.05%$25
Affirm vs Zynlo Bank4.05%$10
Compare Bask Bank's APY of 3.90% with other banks
Bank PairCompetitor APYMin Deposit
Bask Bank vs Ally Bank3.30%$0
Bask Bank vs American Express3.40%$0
Bask Bank vs Axos Bank4.31%$0
Bask Bank vs Bank of America0.01%$100
Bask Bank vs Barclays4.00%$0
Bask Bank vs Betterment3.50%$10
Bask Bank vs BMO Alto3.25%$0
Bask Bank vs Bread Savings4.10%$100
Bask Bank vs BrioDirect4.00%$5,000
Bask Bank vs Capital One3.40%$0
Bask Bank vs Charles Schwab Bank0.15%$0
Bask Bank vs Chase Bank0.01%$0
Bask Bank vs Chime3.50%$0
Bask Bank vs CIT Bank3.75%$100
Bask Bank vs Citibank3.30%$0
Bask Bank vs Citizens Access™3.15%$0.01
Bask Bank vs Climate First Bank4.21%$50
Bask Bank vs Discover Bank3.40%$0
Bask Bank vs E*TRADE from Morgan Stanley3.75%$0
Bask Bank vs Elevault4.08%$0
Bask Bank vs EverBank4.05%$0
Bask Bank vs Fitness Bank4.75%$100
Bask Bank vs FNBO Direct3.00%$1
Bask Bank vs Forbright Bank4.00%$0
Bask Bank vs FVCbank3.85%$500
Bask Bank vs GO2bank4.50%$0
Bask Bank vs Ivy Bank4.25%$2,500
Bask Bank vs LendingClub4.20%$0
Bask Bank vs Marcus by Goldman Sachs3.65%$0
Bask Bank vs Neighbors Bank4.30%$0
Bask Bank vs Newtek Bank4.35%$0.01
Bask Bank vs Openbank4.20%$500
Bask Bank vs Peak Bank4.20%$100
Bask Bank vs Pibank4.60%$0
Bask Bank vs PNC3.53%$0
Bask Bank vs Presidential Bank4.00%$5,000
Bask Bank vs Quontic Bank3.75%$100
Bask Bank vs Salem Five Direct3.71%$10
Bask Bank vs Sallie Mae Bank3.90%$0
Bask Bank vs Santander Bank0.01%$25
Bask Bank vs SoFi Bank4.30%$0
Bask Bank vs Synchrony Bank3.65%$0
Bask Bank vs TD Bank2.75%$0
Bask Bank vs TIMBR4.40%$1,000
Bask Bank vs UFB Direct3.71%$5000
Bask Bank vs Upgrade3.05%$0
Bask Bank vs Valley Direct4.10%$1,000
Bask Bank vs Varo Bank5.00%$0
Bask Bank vs Vio Bank4.16%$100
Bask Bank vs Wealthfront4.15%$0
Bask Bank vs Wells Fargo0.05%$25
Bask Bank vs Zynlo Bank4.05%$10