Barclays vs Everbank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of Barclays vs. EverBank
As of September 5, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, with a minimum balance of $250,000, compared to EverBank's 4.30% APY for its Performance Savings account, with a minimum balance of $0.
EverBank yields $40 more than Barclays on a $10,000 balance after one year. Barclays pays $390 (with an effective APY of 3.9%), while EverBank pays $430 - an APY advantage for EverBank.
In addition, Barclays also offers 3.70% APY for the Online Savings account.
Barclays
Strengths
- Barclays offers a Tiered Savings account with a 4.10% APY for balances over $250,000.
- Barclays has a high App Store rating of 4.8.
- Barclays is BBB Accredited with an A+ rating.
Potential Drawbacks
- Barclays has no physical branches.
EverBank
Strengths
- EverBank provides a Performance Savings account with a competitive 4.3% APY.
- EverBank has 11 physical branch locations in Florida and California.
Potential Drawbacks
- EverBank has a low App Store rating of 2.3.
- EverBank is not BBB Accredited despite an A+ rating.
Summary: Barclays offers a higher APY of 4.10% for large balances, while EverBank's Performance Savings yields 4.3%. Barclays has no branches but boasts a high App Store rating and BBB Accreditation. In contrast, EverBank has physical locations but lower app ratings and lacks BBB Accreditation, which may affect trustworthiness.
Compare Barclays' vs EverBank's Savings Accounts
| Barclays | EverBank | |||
|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | Performance Savings |
| APY | 3.70% (as of 9/5/2025) | 3.90% - 4.10% (as of 9/5/2025) | 4.30% (as of 9/5/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | Enough to earn $0.01 in interest | $250,000 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. | |||
| App Store Rating | 4.8/5 | 2.3/5 | ||
| Google Play Rating | 4.7/5 | 2.6/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 7 Months)
| Barclays | EverBank | |||
|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | Performance Savings |
| Latest APY | 3.70 % | 4.10 % | 4.30 % | |
| Trend | Sideways | Falling | Sideways | |
| Slope (bps/mo) | -3.8 | -6.4 | 0.0 | |
| Rate Changes / Mo | 0.66 | 0.80 | 0.00 | |
| Days Since Last Change | 87 | 79 | 226 | |
| High (-7 m) | 4.00 % | 4.50 % | 4.30 % | |
| Low (-7 m) | 3.70 % | 4.10 % | 4.30 % | |
| Draw-down from High | -7.5 % | -8.9 % | 0.0 % | |
| Volatility (CV) | 0.024 | 0.034 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 226 days.
- Low (-7 m)
- Lowest APY in the last 226 days.
- Draw-down from High
- How far today sits below the 7-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 Barclays vs EverBank
All calculations are based on APY.
Barclays
APY: 4.10%
⚠️The higher APY only applies once your balance reaches $250,000.
Total savings breakdown:
- Interest earned: $2,370.2 (11.64%)
- Total contributions: $13,000 (63.82%)
- Initial deposit: $5,000 (24.55%)
Your total balance
$20,370.20
Effective APY: 3.90% (based on your deposit and contributions)
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewEverBank
APY: 4.30%
Total savings breakdown:
- Interest earned: $2,629.4 (12.75%)
- Total contributions: $13,000 (63.02%)
- Initial deposit: $5,000 (24.24%)
Your total balance
$20,629.40
Effective APY: 4.30% (based on your deposit and contributions)
Total balance: $20,629.4
Earnings: $2,629.4
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Barclays's total earnings would be $259.2 lower than EverBank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Barclays' APY of 4.10% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Barclays vs Ally Bank | 3.50% | $0 |
| Barclays vs American Express | 3.50% | $0 |
| Barclays vs Axos Bank | 4.46% | $0 |
| Barclays vs Bank of America | 0.01% | $100 |
| Barclays vs BrioDirect | 4.30% | $5,000 |
| Barclays vs Capital One | 3.50% | $0 |
| Barclays vs Chase Bank | 0.01% | $0 |
| Barclays vs Chime | 3.75% | $0 |
| Barclays vs CIT Bank | 4.00% | $100 |
| Barclays vs Discover Bank | 3.50% | $0 |
| Barclays vs Elevault | 4.60% | $0 |
| Barclays vs Fitness Bank | 4.75% | $100 |
| Barclays vs FVCbank | 4.35% | $500 |
| Barclays vs GO2bank | 4.50% | $0 |
| Barclays vs Marcus by Goldman Sachs | 3.65% | $0 |
| Barclays vs Neighbors Bank | 4.60% | $0 |
| Barclays vs Newtek Bank | 4.35% | $0 |
| Barclays vs Peak Bank | 4.35% | $100 |
| Barclays vs Pibank | 4.60% | $0 |
| Barclays vs Presidential Bank | 4.50% | $5,000 |
| Barclays vs Santander Bank | 0.03% | $25 |
| Barclays vs SoFi Bank | 3.80% | $0 |
| Barclays vs Synchrony Bank | 3.80% | $0 |
| Barclays vs TIMBR | 4.40% | $1,000 |
| Barclays vs UFB Direct | 4.21% | $5000 |
| Barclays vs Varo Bank | 5.00% | $0 |
| Barclays vs Wells Fargo | 2.51% | $25 |
| Barclays vs Zynlo Bank | 4.35% | $10 |
Compare EverBank's APY of 4.30% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| EverBank vs Ally Bank | 3.50% | $0 |
| EverBank vs American Express | 3.50% | $0 |
| EverBank vs Axos Bank | 4.46% | $0 |
| EverBank vs Bank of America | 0.01% | $100 |
| EverBank vs BrioDirect | 4.30% | $5,000 |
| EverBank vs Capital One | 3.50% | $0 |
| EverBank vs Chase Bank | 0.01% | $0 |
| EverBank vs Chime | 3.75% | $0 |
| EverBank vs CIT Bank | 4.00% | $100 |
| EverBank vs Discover Bank | 3.50% | $0 |
| EverBank vs Elevault | 4.60% | $0 |
| EverBank vs Fitness Bank | 4.75% | $100 |
| EverBank vs FVCbank | 4.35% | $500 |
| EverBank vs GO2bank | 4.50% | $0 |
| EverBank vs Marcus by Goldman Sachs | 3.65% | $0 |
| EverBank vs Neighbors Bank | 4.60% | $0 |
| EverBank vs Newtek Bank | 4.35% | $0 |
| EverBank vs Peak Bank | 4.35% | $100 |
| EverBank vs Pibank | 4.60% | $0 |
| EverBank vs Presidential Bank | 4.50% | $5,000 |
| EverBank vs Santander Bank | 0.03% | $25 |
| EverBank vs SoFi Bank | 3.80% | $0 |
| EverBank vs Synchrony Bank | 3.80% | $0 |
| EverBank vs TIMBR | 4.40% | $1,000 |
| EverBank vs UFB Direct | 4.21% | $5000 |
| EverBank vs Varo Bank | 5.00% | $0 |
| EverBank vs Wells Fargo | 2.51% | $25 |
| EverBank vs Zynlo Bank | 4.35% | $10 |