Axos Bank vs. Valley Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Axos BankAxos ONE Jan 21, 2026 | Valley DirectHigh-Yield Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 4.31% | 3.40% - 4.00% |
Est. Earnings | $5,000+$216 $10,000+$431 $25,000+$1,078 | $5,000+$200 $10,000+$400 $25,000+$1,000 |
Min Deposit | $0 | $1,000 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | Promo rate for new customers. 3.40% APY applies to existing customers. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking Bundle | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing Axos Bank vs. Valley Direct
As of Axos Bank offers an APY of 4.31% for its Axos ONE account, with a minimum balance of $0, compared to Valley Direct's 4.00% APY for its High-Yield Savings Account, with a minimum balance of $0.01.
Axos Bank pays $31 more than Valley Direct on a $10,000 balance after one year. Axos Bank pays $431, while Valley Direct pays $400 - an APY advantage for Axos Bank.
In addition, Axos Bank also offers 3.75% APY for the Summit Savings account, with a minimum balance of $0.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.75%-4.31% vs 4.00%) on all balances
- ✓Offers 2 different high-yield savings options
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $400/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1078 vs $1000/yr).
Best for Simplicity
Valley DirectValley Direct's High-Yield Savings Account offers 4.00% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Axos BankAxos Bank's Axos ONE pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $31 more interest on a $10,000 balance than Valley Direct's High-Yield Savings Account.
*This comparison accounts for Valley Direct's introductory promotional rate, yet Axos Bank's standard rate still yields a higher 1-year return.
Executive Summary as of
Axos Bank's Axos ONE savings account leads with a competitive APY of 4.31%, available through a bundle with a checking account that earns 0.51% APY. To qualify for this rate, customers must set up a direct deposit of $1,500 or maintain an average daily balance of over $5,000. In comparison, Valley Direct offers a High-Yield Savings Account with a slightly lower APY of 4.00%, but it is accessible to new customers without a direct deposit requirement, although existing customers may earn a lower rate of 3.40%. Overall, Axos Bank provides a higher yield for those who meet the eligibility criteria.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
* Secure link to our partner
Non-sponsored link to official site
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Axos Bank vs. Valley Direct Savings Calculator
You earn $31 more with Axos Bank than Valley Direct on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$431.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,431.00
Valley Direct
High-Yield Savings Account
Promo Rate: 4.00% for 12 months, then 3.40%.
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Axos Bank | Valley Direct |
|---|---|---|
| APY | 4.31% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 4.00% Range: 3.40% - 4.00% Verified: 1/21/2026 ↘︎ 0.10%90d Change |
| Product Name | Axos ONE | High-Yield Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.8 Android4.6 |
| Zelle® Support | Not Supported | Available Allows Zelle directly on HYSA. |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | Promo rate for new customers. 3.40% APY applies to existing customers. |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at Valley Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Valley Direct | ||
|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | High-Yield Savings Account | |
Current APY | 3.75% | 4.31% | 0.61% | 4.00% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.8 | -4.6 | -0.0 | -0.2 |
Days Since Change | 41 | 50 | 365 | 40 |
12-Month High | 4.00% | 4.86% | 0.61% | 4.40% |
12-Month Low | 3.75% | 4.31% | 0.61% | 3.75% |
Adjustments / Mo | 0.08 | 0.33 | 0.00 | 0.66 |
Volatility Score | 0.027 | 0.039 | 0.000 | 0.044 |
How to read these metrics(Click to expand)
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