Affirm vs. EverBank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | AffirmAffirm Money Account Jan 12, 2026 | EverBankPerformance Savings Jan 12, 2026 |
|---|---|---|
| APY | 3.20% | 3.90% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
As of Affirm offers an APY of 3.20% for its Affirm Money Account, with a minimum balance of $0, compared to EverBank's 3.90% APY for its Performance Savings account, with a minimum balance of $0.
EverBank pays $70 more than Affirm on a $10,000 balance after one year. Affirm pays $320, while EverBank pays $390 - an APY advantage for EverBank.
Why Affirm?
No distinct advantages found vs EverBank.
Why EverBank?
- ✓Higher potential APY (3.90% vs 3.20%) on all balances
- ✓Physical branch access (11 locations in Florida and California)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $390 vs $320/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $800/yr).
Best for Simplicity
EverBankEverBank's Performance Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $70 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.
Executive Summary as of
EverBank offers a Performance Savings account with a competitive APY of 3.90%, making it the winner in this comparison. This account features no minimum deposit or balance requirements, no maintenance fees, and compounds daily. In contrast, Affirm provides an Affirm Money Account with a lower APY of 3.20%, also with no minimums or fees. Both accounts are online-only and FDIC-insured, but EverBank's higher yield makes it a more attractive option for savers looking for better returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Affirm vs. EverBank Savings Calculator
You earn $70 more with EverBank than Affirm on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Affirm
Affirm Money Account
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Affirm | EverBank |
|---|---|---|
| APY | 3.20% Verified: 1/12/2026 ↘︎ 0.40%90d Change | 3.90% Verified: 1/12/2026 ↘︎ 0.15%90d Change |
| Product Name | Affirm Money Account | Performance Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.8 | iOS4.6 Android4.8 |
| Zelle® Support | Not Supported | Available Native integration verified. |
| BBB Rating | A+ | A+ |
| Important Notes | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | - |
| Next Steps | Visit SiteVerify at Affirm Non-sponsored link to official site | Visit SiteVerify at EverBank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Affirm | EverBank |
|---|---|---|
| Affirm Money Account | Performance Savings | |
Current APY | 3.20% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | -3.4 |
Days Since Change | 6 | 24 |
12-Month High | 3.85% | 4.30% |
12-Month Low | 3.20% | 3.90% |
Adjustments / Mo | 0.34 | 0.17 |
Volatility Score | 0.039 | 0.035 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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