Barclays vs. Presidential Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BarclaysTiered Savings Jan 21, 2026 | Presidential BankAdvantage Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 3.25% - 3.75% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min Deposit | $0 | $5,000 |
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 InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDirect Deposit ReqChecking Bundle |
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. Presidential Bank
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to Presidential Bank's 3.75% APY for its Advantage Savings account, with a minimum balance of N/A.
Barclays pays $10 more than Presidential Bank on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while Presidential Bank pays $375 - 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 3.75%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.7 vs 4.2)
- ✓Offers 2 different high-yield savings options
Why Presidential Bank?
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
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 $10 more interest on a $10,000 balance than Presidential Bank's Advantage 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 APY of 4.00%, available for balances over $250,000, while lower balances yield 3.85%. This account is online-only and has no direct deposit requirement. In contrast, Presidential Bank's Advantage Savings provides a maximum APY of 3.75%, contingent on a monthly direct deposit of $500 into an Advantage Checking Account, and requires a minimum deposit of $5,000. While both banks feature no maintenance fees, Barclays stands out with its higher APY for larger balances.
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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Barclays vs. Presidential Bank Savings Calculator
You earn $10 more with Barclays than Presidential Bank 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
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Barclays | Presidential Bank |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.75% Range: 3.25% - 3.75% Verified: 1/21/2026 ↘︎ 0.75%90d Change |
| Product Name | Tiered Savings | Advantage Savings |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $250,000 | N/A |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.7 | iOS4.8 Android4.2 |
| Zelle® Support | Not Supported | Available Native integration; Advantage Savings 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 Presidential Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Presidential Bank | |
|---|---|---|---|
| Online Savings | Tiered Savings | Advantage Savings | |
Current APY | 3.60% | 4.00% | 3.75% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.7 | -4.1 | -5.5 |
Days Since Change | 56 | 63 | 35 |
12-Month High | 4.00% | 4.50% | 4.50% |
12-Month Low | 3.60% | 4.00% | 3.75% |
Adjustments / Mo | 0.49 | 0.58 | 0.25 |
Volatility Score | 0.028 | 0.038 | 0.063 |
How to read these metrics(Click to expand)
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