Barclays vs. FNBO Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BarclaysTiered Savings Jan 21, 2026 | FNBO DirectHigh-Yield Online Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 3.00% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$150 $10,000+$300 $25,000+$750 |
Min Deposit | $0 | $1 |
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 InsuredLow 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.
Comparison Analysis
Comparing Barclays vs. FNBO Direct
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to FNBO Direct's 3.00% APY for its High-Yield Online Savings Account, with a minimum balance of $0.01.
Barclays pays $85 more than FNBO Direct on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while FNBO Direct pays $300 - an APY advantage for Barclays.
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?
- ✓Higher potential APY (3.60%-4.00% vs 3.00%) on all balances
- ✓Higher rated iOS app (4.9 vs 4.5)
- ✓Offers 2 different high-yield savings options
Why FNBO Direct?
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
BarclaysBarclays's Tiered Savings earns more on smaller deposits (approx. $385 vs $300/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $963 vs $750/yr).
Best for Simplicity
BarclaysBarclays's Online Savings offers 3.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $85 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Barclays offers a competitive Tiered Savings account with a 4.00% APY for balances over $250,000, significantly outpacing FNBO Direct's High-Yield Online Savings Account, which has a 3.00% APY. For those with lower balances, Barclays provides an Online Savings option at 3.60% APY, which is noted for its simplicity, requiring no direct deposit or minimum balance to earn interest. In contrast, FNBO Direct's account requires a minimum deposit of $1 and has no maintenance fees, but it does not match the higher yields available from Barclays. Both accounts are online-only and FDIC insured.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Barclays vs. FNBO Direct Savings Calculator
You earn $85 more with Barclays than FNBO 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.
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
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Barclays | FNBO Direct |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.00% Verified: 1/21/2026 Stable (90d) |
| Product Name | Tiered Savings | High-Yield Online Savings Account |
| Minimum Deposit | $0 | $1 |
| Min. Balance for APY | $250,000 | $0.01 |
| 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 | iOS4.5 Android4.8 |
| Zelle® Support | Not Supported | Available Online division fully supports Zelle. |
| 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 FNBO Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | FNBO Direct | |
|---|---|---|---|
| Online Savings | Tiered Savings | High-Yield Online Savings Account | |
Current APY | 3.60% | 4.00% | 3.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.3 | -2.4 | -5.7 |
Days Since Change | 56 | 63 | 110 |
6-Month High | 3.70% | 4.10% | 3.25% |
6-Month Low | 3.60% | 4.00% | 3.00% |
Adjustments / Mo | 0.17 | 0.17 | 0.17 |
Volatility Score | 0.013 | 0.012 | 0.038 |
How to read these metrics(Click to expand)
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