Affirm vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Affirm
Affirm Money Account
3.60%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Affirm
Affirm Money Account
Quontic Bank
High Yield Savings
3.75%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Quontic Bank
High Yield Savings
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.
Affirm vs. Quontic Bank Savings Calculator
Quontic Bank earns $96 more than Affirm.
Affirm
Affirm Money Account
Savings Breakdown
- Interest Earned+$2,177.80(10.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,177.80
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$2,273.80(11.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,273.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Affirm vs. Quontic Bank
Why Affirm?
No distinct advantages found vs Quontic Bank.
Why Quontic Bank?
- ✓Higher potential APY (3.75% vs 3.60%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Quontic BankQuontic Bank's High Yield Savings earns more on smaller deposits (approx. $375 vs $360/yr).
Better Returns at $25,000
Quontic BankQuontic Bank's High Yield Savings pulls ahead with larger amounts (approx. $938 vs $900/yr).
Shared Benefits
Over a 1-year period, Quontic Bank's High Yield Savings pays $15 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
Affirm offers the Affirm Money Account with a competitive APY of 3.60%, which is FDIC-insured through Cross River Bank. This account has no minimum deposit or maintenance fees, making it accessible for users. However, Quontic Bank's High Yield Savings account stands out with a higher APY of 3.75%, also FDIC-insured, and requires a minimum deposit of $100. Both accounts are online-only and do not require direct deposits. For those seeking the best yield, Quontic Bank is the clear winner.
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.
Top Market Contenders
See who beats both Affirm and Quontic Bank.
| Feature | Affirm | Quontic Bank |
|---|---|---|
| APY | 3.60% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 3.75% Verified: 12/10/2025 Stable (90d) |
| Product Name | Affirm Money Account | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| 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 | iOS4.8 Android4.8 |
| BBB Rating | A+ | A+ |
| Important Notes | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | - |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Affirm | Quontic Bank |
|---|---|---|
| Affirm Money Account | High Yield Savings | |
Current APY | 3.60% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | -1.4 |
Days Since Change | 75 | 166 |
11-Month High | 3.85% | 3.85% |
11-Month Low | 3.60% | 3.75% |
Adjustments / Mo | 0.09 | 0.09 |
Volatility Score | 0.030 | 0.013 |
How to read these metrics(Click to expand)
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