Barclays vs. EverBank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BarclaysTiered Savings Jan 21, 2026 | EverBankPerformance Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 3.90% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to EverBank's 3.90% APY for its Performance Savings account, with a minimum balance of $0.
EverBank pays $5 more than Barclays on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while EverBank pays $390 - an APY advantage for EverBank.
In addition, Barclays also offers 3.60% APY for the Online Savings account, with a minimum balance of Enough to earn $0.01 in interest.
Why Barclays?
- ✓Offers 2 different high-yield savings options
Why EverBank?
- ✓Physical branch access (11 locations in Florida and California)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Best for Simplicity
EverBankEverBank's Performance Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $5 more interest on a $10,000 balance than Barclays's Tiered Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Barclays offers a Tiered Savings account with a competitive 4.00% APY for balances over $250,000, while lower balances earn 3.85%. Additionally, they provide an Online Savings account with an APY of 3.60%. In comparison, EverBank features a Performance Savings account with a 3.90% APY, which is available without a minimum balance requirement or direct deposit stipulations. Both banks operate online-only and have no maintenance fees. While Barclays has a higher APY for larger balances, EverBank's offering is notable for its simplicity and accessibility.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
Barclays vs. EverBank Savings Calculator
You earn $5 more with EverBank than Barclays 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.
Barclays
Tiered Savings
Higher APY requires $250,000
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Barclays | EverBank |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.90% Verified: 1/21/2026 ↘︎ 0.15%90d Change |
| Product Name | Tiered Savings | Performance Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0 |
| 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 Android4.7 | iOS4.7 Android4.8 |
| Zelle® Support | Not Supported | Available Native integration verified. |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at EverBank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | EverBank | |
|---|---|---|---|
| Online Savings | Tiered Savings | Performance Savings | |
Current APY | 3.60% | 4.00% | 3.90% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.7 | -4.1 | -3.6 |
Days Since Change | 56 | 63 | 33 |
12-Month High | 4.00% | 4.50% | 4.30% |
12-Month Low | 3.60% | 4.00% | 3.90% |
Adjustments / Mo | 0.49 | 0.58 | 0.16 |
Volatility Score | 0.028 | 0.038 | 0.036 |
How to read these metrics(Click to expand)
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