High-Yield Savings Account Comparison

Affirm vs. Vio 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

Vio Bank

Online Savings Account

4.16%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0, if electronic statements selected, otherwise $5
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4063)
EligibilityUnited States
Mobile Ratings
iOS:4.6Android:3.4
BBB Rating
A+(BBB Accredited)

Rate Stability

StableNo rate changes in last 7 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. Vio Bank Savings Calculator

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

Vio Bank earns $360.5 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

Vio Bank

Online Savings Account

4.16% APY

Savings Breakdown

  • Interest Earned
    +$2,538.30(12.4%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,538.30

Effective APY
4.16%
View Details

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

Comparison Analysis

Comparing Affirm vs. Vio Bank

Updated: Dec 10, 2025

Why Affirm?

  • ✓Higher rated Android app (4.8 vs 3.4)

Why Vio Bank?

  • ✓Higher potential APY (4.16% vs 3.60%) on all balances

— Key Feature Differences —

Better Returns at $10,000
Vio Bank

Vio Bank's Online Savings Account earns more on smaller deposits (approx. $416 vs $360/yr).

Better Returns at $25,000
Vio Bank

Vio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1040 vs $900/yr).

Best for Simplicity
Vio Bank

Vio Bank's Online Savings Account offers 4.16% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Affirm

Affirm offers an iOS app rated 4.9 (vs. 4.6) and Android app rated 4.8 (vs. 3.4)

Shared Benefits

Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Vio Bank's Online Savings Account pays $56 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.

AffirmVio Bank
Automated Data Audit

Executive Summary

Vio Bank offers a competitive Online Savings Account with a notable APY of 4.16%, making it the clear winner in this comparison. This account requires a minimum deposit of $100 but has no maintenance fees if electronic statements are selected. In contrast, Affirm provides an Affirm Money Account with an APY of 3.60%. Although Affirm boasts a highly rated mobile app experience, its savings product yields significantly less than Vio Bank's offering. Both accounts are online-only and do not require direct deposit, making them accessible options for savers.

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.

ExploreAffirmExploreVio Bank

Top Market Contenders

See who beats both Affirm and Vio Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.44% vs Vio Bank
Better Rate
Pibank vs AffirmPibank vs Vio Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.15% vs Vio Bank
Better Rate
Axos Bank vs AffirmAxos Bank vs Vio Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.24% vs Vio Bank
Better Rate
TIMBR vs AffirmTIMBR vs Vio Bank
FeatureAffirmVio Bank
APY
3.60%
Verified: 12/10/2025
↘︎ 0.25%90d Change
4.16%
Verified: 12/10/2025
-
Product NameAffirm Money AccountOnline Savings Account
Minimum Deposit$0$100
Min. Balance for APY$0$0
Monthly Fee$0$0, if electronic statements selected, otherwise $5
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.8
iOS4.6
Android3.4
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 1 Month Analysis
MetricAffirmVio Bank
Affirm Money AccountOnline Savings Account
Current APY
3.60%4.16%
Trend
 Stable Stable
Velocity (bps/mo)
-0.0-6.4
Days Since Change
2619
1-Month High
3.60%4.21%
1-Month Low
3.60%4.16%
Adjustments / Mo
0.001.11
Volatility Score
0.0000.005
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 27-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 High-Yield Accounts

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 Vio Bank vs...

Comparing against Standard Savings

vs Vio Bank
PibankNo Bundle Req
4.60%
APY
vs Vio Bank
TIMBRNo Bundle Req
4.40%
APY
vs Vio Bank
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
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 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 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 Wealthfront4.15%$0
Affirm vs Wells Fargo0.05%$25
Affirm vs Zynlo Bank4.05%$10
Compare Vio Bank's APY of 4.16% with other banks
Bank PairCompetitor APYMin Deposit
Vio Bank vs Ally Bank3.30%$0
Vio Bank vs American Express3.40%$0
Vio Bank vs Axos Bank4.31%$0
Vio Bank vs Bank of America0.01%$100
Vio Bank vs Barclays4.00%$0
Vio Bank vs Bask Bank3.90%$0
Vio Bank vs Betterment3.50%$10
Vio Bank vs BMO Alto3.25%$0
Vio Bank vs Bread Savings4.10%$100
Vio Bank vs BrioDirect4.00%$5,000
Vio Bank vs Capital One3.40%$0
Vio Bank vs Charles Schwab Bank0.15%$0
Vio Bank vs Chase Bank0.01%$0
Vio Bank vs Chime3.50%$0
Vio Bank vs CIT Bank3.75%$100
Vio Bank vs Citibank3.30%$0
Vio Bank vs Citizens Access™3.15%$0.01
Vio Bank vs Climate First Bank4.21%$50
Vio Bank vs Discover Bank3.40%$0
Vio Bank vs E*TRADE from Morgan Stanley3.75%$0
Vio Bank vs Elevault4.08%$0
Vio Bank vs EverBank4.05%$0
Vio Bank vs Fitness Bank4.75%$100
Vio Bank vs FNBO Direct3.00%$1
Vio Bank vs Forbright Bank4.00%$0
Vio Bank vs FVCbank3.85%$500
Vio Bank vs GO2bank4.50%$0
Vio Bank vs Ivy Bank4.25%$2,500
Vio Bank vs LendingClub4.20%$0
Vio Bank vs Marcus by Goldman Sachs3.65%$0
Vio Bank vs Neighbors Bank4.30%$0
Vio Bank vs Newtek Bank4.35%$0.01
Vio Bank vs Openbank4.20%$500
Vio Bank vs Peak Bank4.20%$100
Vio Bank vs Pibank4.60%$0
Vio Bank vs PNC3.53%$0
Vio Bank vs Presidential Bank4.00%$5,000
Vio Bank vs Quontic Bank3.75%$100
Vio Bank vs Salem Five Direct3.71%$10
Vio Bank vs Sallie Mae Bank3.90%$0
Vio Bank vs Santander Bank0.01%$25
Vio Bank vs SoFi Bank4.30%$0
Vio Bank vs Synchrony Bank3.65%$0
Vio Bank vs TD Bank2.75%$0
Vio Bank vs TIMBR4.40%$1,000
Vio Bank vs UFB Direct3.71%$5000
Vio Bank vs Upgrade3.05%$0
Vio Bank vs Valley Direct4.10%$1,000
Vio Bank vs Varo Bank5.00%$0
Vio Bank vs Wealthfront4.15%$0
Vio Bank vs Wells Fargo0.05%$25
Vio Bank vs Zynlo Bank4.05%$10