High-Yield Savings Account Comparison

Affirm vs. GO2bank

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

GO2bank

High Yield Savings

Up to
4.50%
APY
Dec 10, 2025
FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android App
Range: 0.00% – 4.50%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$5 per month, unless you set up direct deposit
Compound FreqQuarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 22653)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.5
BBB Rating
Not Rated(Not BBB Accredited)

Important Note

A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest.

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

Prefer In-Person Banking?

Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.

Find Branch Access

Affirm vs. GO2bank Savings Calculator

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

Affirm earns $946.9 more than GO2bank.

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

GO2bank

High Yield Savings

4.50% APY

4.50% on first $5,000 and 0.00% thereafter.

Savings Breakdown

  • Interest Earned
    +$1,230.90(6.4%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,230.90

Effective APY
2.08%
View Details

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

Comparison Analysis

Comparing Affirm vs. GO2bank

Updated: Dec 10, 2025

Why Affirm?

  • ✓No checking account or direct deposit required

Why GO2bank?

  • ✓Higher potential APY (4.50% vs 3.60%) on balances up to $5,000 (requires checking bundle)

— Key Feature Differences —

Better Returns at $10,000
Affirm

Affirm's Affirm Money Account earns more on smaller deposits (approx. $360 vs $225/yr).

Better Returns at $25,000
Affirm

Affirm's Affirm Money Account pulls ahead with larger amounts (approx. $900 vs $225/yr).

Best for Simplicity
Affirm

Affirm's Affirm Money Account offers 3.60% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

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, Affirm's Affirm Money Account pays $135 more interest on a $10,000 balance than GO2bank's High Yield Savings.

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

GO2bankAffirm
Automated Data Audit

Executive Summary

GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, making it the winner in this comparison. However, it requires a GO2bank checking account to open the savings account, and the APY applies only to balances up to $5,000, with higher amounts earning no interest. In contrast, Affirm's Affirm Money Account provides a solid APY of 3.60% with no minimum deposit or balance requirements, and no direct deposit needed, making it a simple alternative for savers. Both banks are online-only and FDIC-insured through their respective partners.

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.

ExploreAffirmExploreGO2bank

Top Market Contenders

See who beats both Affirm and GO2bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.10% vs GO2bank
Better Rate
Pibank vs AffirmPibank vs GO2bank
FeatureAffirmGO2bank
APY
3.60%
Verified: 12/10/2025
↘︎ 0.25%90d Change
4.50%
0
Verified: 12/10/2025
Stable (90d)
Product NameAffirm Money AccountHigh Yield Savings
Minimum Deposit$0$0
Min. Balance for APY$0$0
Monthly Fee$0$5 per month, unless you set up direct deposit
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNo Yes
Mobile Apps
iOS4.9
Android4.8
iOS4.8
Android4.5
BBB RatingA+Not Rated
Important NotesWhile Affirm is not a bank, it is FDIC-insured through partner Cross River Bank.A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest.
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 4 Months Analysis
MetricAffirmGO2bank
Affirm Money AccountHigh Yield Savings
Current APY
3.60%4.50%
Trend
 Stable Stable
Velocity (bps/mo)
-8.30.0
Days Since Change
75126
4-Month High
3.85%4.50%
4-Month Low
3.60%4.50%
Adjustments / Mo
0.240.00
Volatility Score
0.0320.000
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 127-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 Alternatives

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 GO2bank vs...

Comparing against other Bundled Accounts

vs GO2bank
Axos BankChecking Bundle
4.31%
APY
vs GO2bank
SoFi BankChecking Bundle
4.30%
APY
vs GO2bank
Presidential BankChecking Bundle
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 Bask Bank3.90%$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 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 GO2bank's APY of 4.50% with other banks
Bank PairCompetitor APYMin Deposit
GO2bank vs Ally Bank3.30%$0
GO2bank vs American Express3.40%$0
GO2bank vs Axos Bank4.31%$0
GO2bank vs Bank of America0.01%$100
GO2bank vs Barclays4.00%$0
GO2bank vs Bask Bank3.90%$0
GO2bank vs Betterment3.50%$10
GO2bank vs BMO Alto3.25%$0
GO2bank vs Bread Savings4.10%$100
GO2bank vs BrioDirect4.00%$5,000
GO2bank vs Capital One3.40%$0
GO2bank vs Charles Schwab Bank0.15%$0
GO2bank vs Chase Bank0.01%$0
GO2bank vs Chime3.50%$0
GO2bank vs CIT Bank3.75%$100
GO2bank vs Citibank3.30%$0
GO2bank vs Citizens Access™3.15%$0.01
GO2bank vs Climate First Bank4.21%$50
GO2bank vs Discover Bank3.40%$0
GO2bank vs E*TRADE from Morgan Stanley3.75%$0
GO2bank vs Elevault4.08%$0
GO2bank vs EverBank4.05%$0
GO2bank vs Fitness Bank4.75%$100
GO2bank vs FNBO Direct3.00%$1
GO2bank vs Forbright Bank4.00%$0
GO2bank vs FVCbank3.85%$500
GO2bank vs Ivy Bank4.25%$2,500
GO2bank vs LendingClub4.20%$0
GO2bank vs Marcus by Goldman Sachs3.65%$0
GO2bank vs Neighbors Bank4.30%$0
GO2bank vs Newtek Bank4.35%$0.01
GO2bank vs Openbank4.20%$500
GO2bank vs Peak Bank4.20%$100
GO2bank vs Pibank4.60%$0
GO2bank vs PNC3.53%$0
GO2bank vs Presidential Bank4.00%$5,000
GO2bank vs Quontic Bank3.75%$100
GO2bank vs Salem Five Direct3.71%$10
GO2bank vs Sallie Mae Bank3.90%$0
GO2bank vs Santander Bank0.01%$25
GO2bank vs SoFi Bank4.30%$0
GO2bank vs Synchrony Bank3.65%$0
GO2bank vs TD Bank2.75%$0
GO2bank vs TIMBR4.40%$1,000
GO2bank vs UFB Direct3.71%$5000
GO2bank vs Upgrade3.05%$0
GO2bank vs Valley Direct4.10%$1,000
GO2bank vs Varo Bank5.00%$0
GO2bank vs Vio Bank4.16%$100
GO2bank vs Wealthfront4.15%$0
GO2bank vs Wells Fargo0.05%$25
GO2bank vs Zynlo Bank4.05%$10