Affirm vs. Valley Direct
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
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
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. Valley Direct Savings Calculator
Affirm earns $20.8 more than Valley Direct.
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
Valley Direct
High-Yield Savings Account
Promo Rate: 4.10% for 12 months, then 3.50%.
Savings Breakdown
- Interest Earned+$2,157.00(10.7%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,157.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Affirm vs. Valley Direct
Why Affirm?
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher potential APY (4.10% vs 3.60%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Valley DirectValley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $360/yr).
Better Returns at $25,000
Valley DirectValley Direct's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $900/yr).
Best for Simplicity
Valley DirectValley Direct's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period (factoring in a 12-month promo), Valley Direct's High-Yield Savings Account pays $50 more interest on a $10,000 balance than Affirm's Affirm Money Account.
*Valley Direct's calculation includes their 12-month introductory promotional rate and subsequent standard rate.
Executive Summary
Valley Direct offers a High-Yield Savings Account with an attractive APY of 4.10%, making it the winner in this comparison. This account is online-only and requires a minimum deposit of $1,000, but it has no maintenance fees and is FDIC-insured. Notably, the rate is restricted to new customers, with existing customers receiving a lower APY of 3.50%. In contrast, Affirm provides an Affirm Money Account with a competitive APY of 3.60% and no minimum deposit or maintenance fees, but it does not surpass Valley Direct's offering. Both accounts do not require direct deposit.
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 Valley Direct.
| Feature | Affirm | Valley Direct |
|---|---|---|
| APY | 3.60% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 4.10% Range: 3.50% - 4.10% Verified: 12/10/2025 ↘︎ 0.20%90d Change |
| Product Name | Affirm Money Account | High-Yield Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0 | $0.01 |
| 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 Android4.5 |
| BBB Rating | A+ | A+ |
| Important Notes | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Affirm | Valley Direct |
|---|---|---|
| Affirm Money Account | High-Yield Savings Account | |
Current APY | 3.60% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | 1.0 |
Days Since Change | 75 | 75 |
11-Month High | 3.85% | 4.40% |
11-Month Low | 3.60% | 3.75% |
Adjustments / Mo | 0.09 | 0.65 |
Volatility Score | 0.030 | 0.044 |
How to read these metrics(Click to expand)
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