Affirm vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | AffirmAffirm Money Account Jan 7, 2026 | Jenius BankJenius Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.20% | 4.05% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
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 Minimums |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Affirm vs. Jenius Bank
As of Affirm offers an APY of 3.20% for its Affirm Money Account, with a minimum balance of $0, compared to Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $85 more than Affirm on a $10,000 balance after one year. Affirm pays $320, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
Why Affirm?
- ✓Higher rated iOS app (4.9 vs 4.0)
- ✓Higher rated Android app (4.8 vs 3.6)
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.20%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $320/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $800/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
AffirmAffirm offers an iOS app rated 4.9 (vs. 4.0) and Android app rated 4.8 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $85 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
Jenius Bank offers a Jenius Savings account with a competitive APY of 4.05%, making it the clear winner for those seeking higher returns on their savings. This account requires no minimum deposit, has no maintenance fees, and is available online only. In comparison, Affirm provides an Affirm Money Account with a lower APY of 3.20%. While Affirm boasts a strong mobile app experience, the higher yield of Jenius Bank's offering makes it a more attractive option for savers. Both accounts are FDIC-insured and do not require direct deposit.
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. Jenius Bank Savings Calculator
You earn $85 more with Jenius Bank 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
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Affirm | Jenius Bank |
|---|---|---|
| APY | 3.20% Verified: 1/7/2026 ↘︎ 0.40%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Affirm Money Account | Jenius 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 | iOS4.0 Android3.6 |
| Zelle® Support | Not Supported | Not Supported |
| 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 Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Affirm | Jenius Bank |
|---|---|---|
| Affirm Money Account | Jenius Savings | |
Current APY | 3.20% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.3 | -2.8 |
Days Since Change | 1 | 50 |
11-Month High | 3.85% | 4.50% |
11-Month Low | 3.20% | 4.05% |
Adjustments / Mo | 0.34 | 0.17 |
Volatility Score | 0.034 | 0.030 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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