High-Yield Savings Account Comparison

Affirm vs. Presidential 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

Presidential Bank

Advantage Savings

Up to
4.00%
APY
Dec 10, 2025
FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 3.50% – 4.00%
Show Fine Print & Trends
Min. Deposit$5,000
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositRequired (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access10 locations in Maryland, Virginia and Washington D.C.
Deposit InsuranceFDIC Insured(Cert: 32363)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.1
BBB Rating
A-(Not BBB Accredited)

Rate Stability

30 days
↘︎ 0.25%
90 days
↘︎ 0.50%
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. Presidential Bank Savings Calculator

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

Presidential Bank earns $256.9 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

Presidential Bank

Advantage Savings

4.00% APY

Savings Breakdown

  • Interest Earned
    +$2,434.70(11.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,434.70

Effective APY
4.00%
View Details

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

Comparison Analysis

Comparing Affirm vs. Presidential Bank

Updated: Dec 10, 2025

Why Affirm?

  • ✓No checking account or direct deposit required
  • ✓Higher rated Android app (4.8 vs 4.1)

Why Presidential Bank?

  • ✓Higher potential APY (4.00% vs 3.60%) (requires checking bundle & direct deposit)
  • ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)

— Key Feature Differences —

Better Returns at $10,000
Presidential Bank

Presidential Bank's Advantage Savings earns more on smaller deposits (approx. $400 vs $360/yr).

Better Returns at $25,000
Presidential Bank

Presidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $1000 vs $900/yr).

Best for Simplicity
Affirm

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

Best for All-in-One Banking
Presidential Bank

Presidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Presidential Bank's Advantage Savings pays $40 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.

AffirmPresidential Bank
Automated Data Audit

Executive Summary

Presidential Bank's Advantage Savings offers a higher APY of 4.00% compared to Affirm's Affirm Money Account, which provides 3.60% APY. To earn the higher rate with Presidential Bank, a monthly direct deposit of $500 into an Advantage Checking Account is required, and the minimum deposit is $5,000. In contrast, Affirm's account has no minimum deposit or direct deposit requirement, making it a simpler option. However, for those willing to meet the conditions, Presidential Bank's product yields better returns.

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.

ExploreAffirmExplorePresidential Bank

Top Market Contenders

See who beats both Affirm and Presidential Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.60% vs Presidential Bank
Better Rate
Pibank vs AffirmPibank vs Presidential Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.31% vs Presidential Bank
Better Rate
Axos Bank vs AffirmAxos Bank vs Presidential Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.40% vs Presidential Bank
Better Rate
TIMBR vs AffirmTIMBR vs Presidential Bank
FeatureAffirmPresidential Bank
APY
3.60%
Verified: 12/10/2025
↘︎ 0.25%90d Change
4.00%
Range: 3.50% - 4.00%
Verified: 12/10/2025
↘︎ 0.50%90d Change
Product NameAffirm Money AccountAdvantage Savings
Minimum Deposit$0$5,000
Min. Balance for APY$0N/A
Monthly Fee$0$0
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.None
RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
Checking BundleNo Yes
Mobile Apps
iOS4.9
Android4.8
iOS4.8
Android4.1
BBB RatingA+A-
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
MetricAffirmPresidential Bank
Affirm Money AccountAdvantage Savings
Current APY
3.60%4.00%
Trend
 Stable Stable
Velocity (bps/mo)
-2.7-2.6
Days Since Change
7519
11-Month High
3.85%4.50%
11-Month Low
3.60%4.00%
Adjustments / Mo
0.090.19
Volatility Score
0.0300.033
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 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 Presidential Bank vs...

Comparing against other Bundled Accounts

vs Presidential Bank
Axos BankChecking Bundle
4.31%
APY
vs Presidential Bank
SoFi BankChecking Bundle
4.30%
APY
vs Presidential Bank
UFB DirectChecking Bundle
3.71%
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 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 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 Presidential Bank's APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
Presidential Bank vs Ally Bank3.30%$0
Presidential Bank vs American Express3.40%$0
Presidential Bank vs Axos Bank4.31%$0
Presidential Bank vs Bank of America0.01%$100
Presidential Bank vs Barclays4.00%$0
Presidential Bank vs Bask Bank3.90%$0
Presidential Bank vs Betterment3.50%$10
Presidential Bank vs BMO Alto3.25%$0
Presidential Bank vs Bread Savings4.10%$100
Presidential Bank vs BrioDirect4.00%$5,000
Presidential Bank vs Capital One3.40%$0
Presidential Bank vs Charles Schwab Bank0.15%$0
Presidential Bank vs Chase Bank0.01%$0
Presidential Bank vs Chime3.50%$0
Presidential Bank vs CIT Bank3.75%$100
Presidential Bank vs Citibank3.30%$0
Presidential Bank vs Citizens Access™3.15%$0.01
Presidential Bank vs Climate First Bank4.21%$50
Presidential Bank vs Discover Bank3.40%$0
Presidential Bank vs E*TRADE from Morgan Stanley3.75%$0
Presidential Bank vs Elevault4.08%$0
Presidential Bank vs EverBank4.05%$0
Presidential Bank vs Fitness Bank4.75%$100
Presidential Bank vs FNBO Direct3.00%$1
Presidential Bank vs Forbright Bank4.00%$0
Presidential Bank vs FVCbank3.85%$500
Presidential Bank vs GO2bank4.50%$0
Presidential Bank vs Ivy Bank4.25%$2,500
Presidential Bank vs LendingClub4.20%$0
Presidential Bank vs Marcus by Goldman Sachs3.65%$0
Presidential Bank vs Neighbors Bank4.30%$0
Presidential Bank vs Newtek Bank4.35%$0.01
Presidential Bank vs Openbank4.20%$500
Presidential Bank vs Peak Bank4.20%$100
Presidential Bank vs Pibank4.60%$0
Presidential Bank vs PNC3.53%$0
Presidential Bank vs Quontic Bank3.75%$100
Presidential Bank vs Salem Five Direct3.71%$10
Presidential Bank vs Sallie Mae Bank3.90%$0
Presidential Bank vs Santander Bank0.01%$25
Presidential Bank vs SoFi Bank4.30%$0
Presidential Bank vs Synchrony Bank3.65%$0
Presidential Bank vs TD Bank2.75%$0
Presidential Bank vs TIMBR4.40%$1,000
Presidential Bank vs UFB Direct3.71%$5000
Presidential Bank vs Upgrade3.05%$0
Presidential Bank vs Valley Direct4.10%$1,000
Presidential Bank vs Varo Bank5.00%$0
Presidential Bank vs Vio Bank4.16%$100
Presidential Bank vs Wealthfront4.15%$0
Presidential Bank vs Wells Fargo0.05%$25
Presidential Bank vs Zynlo Bank4.05%$10