Axos Bank vs Chase Bank
High-Yield Savings Accounts Comparison

Last Updated: May 30, 2025

Compare Axos Bank's vs Chase Bank's Savings Accounts

  • Affirm - 3.85% APY
  • All America Bank - 1.50-3.25% APY
  • Ally Bank - 3.60% APY
  • Amalgamated Bank - 2.25% APY
  • American Express - 3.60% APY
  • Bank5 Connect - 4.05% APY
  • Bank of America - 0.01% APY
  • Barclays - 4.00-4.20% APY
  • Bask Bank - 4.20% APY
  • Betterment - 4.00% APY
  • BMO Alto - 3.60% APY
  • Bread Savings - 4.30% APY
  • BrioDirect - 4.30% APY
  • Capital One - 3.60% APY
  • Carver Bank - 4.00% APY
  • Charles Schwab Bank - 0.15% APY
  • Chime - 1.25-3.75% APY
  • CIBC Bank USA - 4.11% APY
  • CIT Bank - 0.25-4.10% APY
  • Citibank - 3.60% APY
  • Citizens Access™ - 3.70% APY
  • Colorado Federal Savings Bank - 4.25% APY
  • ConnectOne Bank - 4.00% APY
  • Customers Bank - 4.23% APY
  • Discover Bank - 3.60% APY
  • E*TRADE from Morgan Stanley - 4.00% APY
  • EverBank - 4.30% APY
  • Evergreen Bank Group - 4.25% APY
  • First Foundation Bank - 4.25% APY
  • Fitness Bank - 5.00% APY
  • Flagstar Bank - 4.00% APY
  • Forbright Bank - 4.25% APY
  • FVCbank - 4.45% APY
  • High Plains Bank - 0.23-3.82% APY
  • Jenius Bank - 4.20% APY
  • LendingClub - 3.40-4.40% APY
  • Live Oak Bank - 4.10% APY
  • Marcus by Goldman Sachs - 3.65% APY
  • My Banking Direct - 4.40% APY
  • MySavingsDirect - 3.75% APY
  • Neighbors Bank - 4.60% APY
  • Newtek Bank - 4.35% APY
  • OMB Bank - 4.56% APY
  • Openbank - 4.40% APY
  • Peak Bank - 4.44% APY
  • Pibank - 4.60% APY
  • PNC - 3.95% APY
  • Poppy Bank - 4.25% APY
  • Popular Direct - 4.05% APY
  • Presidential Bank - 4.00-4.50% APY
  • Prime Alliance Bank - 4.15% APY
  • Primis Bank - 4.35% APY
  • Quontic Bank - 3.85% APY
  • RBMAX - 4.15% APY
  • Rising Bank - 4.30% APY
  • ROGER - 4.65% APY
  • Salem Five Direct - 4.01% APY
  • Sallie Mae Bank - 3.90% APY
  • Santander Bank - 0.03% APY
  • SoFi Bank - 3.80% APY
  • Synchrony Bank - 4.00% APY
  • TAB Bank - 4.26% APY
  • TD Bank - 0.05-3.25% APY
  • The State Exchange Bank - 4.10% APY
  • TIMBR - 4.40% APY
  • UFB Direct - 4.01-4.21% APY
  • Upgrade - 4.02% APY
  • Valley Direct - 4.40% APY
  • Varo Bank - 2.50-5.00% APY
  • Western Alliance Bank - 4.30% APY
  • Zynlo Bank - 4.35% APY
BankAxos Bank
Chase Bank
ProductChase Savings℠
APY
4.66% (as of 5/30/2025)0.01% (as of 5/30/2025)
Bundled Account
YesNo
FDIC-insured
YesYes
Online OnlyYesNo
Compound Frequency
DailyMonthly
Minimum Deposit$0$0
Minimum Balance for APY$0$0
Maintenance Fee$0$5
Direct Deposit Required
Yes. Min. $1,500/month to ONE Checking.No
App Store Rating4.7/54.8/5
Google Play Rating4.4/54.4/5
BBB RatingA+A+
NoteThis APY is only available in the Axos ONE savings and checking bundle. Must maintain $1,500 on avg. daily balance in ONE Checking for APY.APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc.
VisitAxos Bank's Axos ONEChase Bank's Chase Savings℠

Historical APY Insights (Last 4 Months)

Axos BankChase Bank
ProductHigh Yield SavingsAxos ONEvsChase Savings℠
Latest APY0.61 %4.66 %0.01 %
TrendSidewaysFallingSideways
Slope (bps/mo)-0.0-7.4-0.0
Rate Changes / Mo0.000.250.00
Days Since Last Change12160121
High (-4 m)0.61 %4.86 %0.01 %
Low (-4 m)0.61 %4.66 %0.01 %
Draw-down from High0.0 %-4.1 %0.0 %
Volatility (CV)0.0000.0210.000

APY Insights Glossary

Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 12 months (regression slope).
Slope (bps/mo)
Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo
Typical number of APY moves per month.
Days Since Last Change
Recency of the latest APY adjustment.
High (-4 m)
Highest APY in the last 122 days.
Low (-4 m)
Lowest APY in the last 122 days.
Draw-down from High
How far today sits below the 12-month peak.
Volatility (CV)
Coefficient of variation = stdev ÷ mean.

Why Track Savings-Account APYs?

  • See how quickly a bank reacts to Fed moves or competition.
  • Gauge “twitchiness” - frequent moves can annoy savers.
  • Spot if you're buying near a peak (draw-down) or riding a rise.
  • Slope (bps/mo) shows speed of change.
  • Volatility (CV) scales jumps by average level.

Calculate Savings Growth for Axos Bank vs Chase Bank

All calculations are based on APY.

Axos Bank

APY: 4.66%

Total savings breakdown:

  • Interest earned: $47 (4.49%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $1,000 (95.51%)

Your total balance

$1,047.00

Effective APY: 4.66% (based on your deposit and contributions)

Total balance: $1,047

Earnings: $47

Bank Details

Chase Bank

APY: 0.01%

Total savings breakdown:

  • Interest earned: $0 (0.00%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $1,000 (100.00%)

Your total balance

$1,000.00

Effective APY: 0.01% (based on your deposit and contributions)

Total balance: $1,000

Earnings: $0

Bank Details

After 1 year, Axos Bank would earn you $47 more than Chase Bank.