Barclays vs Presidential Bank
High-Yield Savings Accounts Comparison
Last Updated: August 29, 2025
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Summary of Barclays vs. Presidential Bank
As of August 29, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, compared to Presidential Bank's 4.50% APY for its Advantage Savings account.
Presidential Bank yields $60 more than Barclays on a $10,000 balance after one year. Barclays pays $390 (with an effective APY of 3.9%), while Presidential Bank pays $450 - an APY advantage for Presidential Bank.
In addition, Barclays also offers 3.70% APY for the Online Savings account.
Barclays
Strengths
- Barclays offers a competitive APY of 4.10% for balances over $250,000.
- Barclays has an excellent BBB rating of A+ and is BBB Accredited.
- Barclays has no maintenance fees or minimum deposit requirements for its accounts.
Potential Drawbacks
- Barclays' highest APY is only available for large balances over $250,000.
- Barclays has no physical branches, being an online-only bank.
- Barclays requires a minimum balance of $250,000 to earn the highest APY.
Presidential Bank
Strengths
- Presidential Bank offers a higher APY of 4.50% with a direct deposit requirement.
- Presidential Bank has 10 physical branches in Maryland, Virginia, and Washington D.C.
- Presidential Bank has a solid App Store rating of 4.8.
Potential Drawbacks
- Presidential Bank's higher APY requires a monthly direct deposit of $500.
- Presidential Bank's BBB rating is A- and it is not BBB Accredited.
- Presidential Bank has a lower Google Play rating of 4.2.
Summary: Barclays offers a tiered savings account with a maximum APY of 4.10% for large balances, while Presidential Bank provides a higher APY of 4.50% but requires a direct deposit. Barclays has no branches and an A+ BBB rating, whereas Presidential Bank has physical locations but a lower A- BBB rating and a direct deposit requirement. Both banks have strong App Store ratings, but Barclays excels in overall trustworthiness.
Compare Barclays' vs Presidential Bank's Savings Accounts
| Barclays | Presidential Bank | |||
|---|---|---|---|---|
| Product | Tiered Savings | Online Savings | vs | Advantage Savings |
| APY | 3.90% - 4.10% (as of 8/29/2025) | 3.70% (as of 8/29/2025) | 4.00% - 4.50% (as of 8/29/2025) | |
| Bundled Account | No | No | Yes | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | No | |
| Compound Frequency | Daily | Daily | Monthly | |
| Minimum Deposit | $0 | $0 | $5,000 | |
| Minimum Balance for APY | $250,000 | Enough to earn $0.01 in interest | N/A | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | |
| 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 | 4.8/5 | ||
| Google Play Rating | 4.7/5 | 4.2/5 | ||
| BBB Rating | A+ | A- | ||
Comparative Historical APY Insights (Last 7 Months)
| Barclays | Presidential Bank | |||
|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | Advantage Savings |
| Latest APY | 3.70 % | 4.10 % | 4.50 % | |
| Trend | Sideways | Falling | Sideways | |
| Slope (bps/mo) | -3.9 | -6.6 | 0.0 | |
| Rate Changes / Mo | 0.68 | 0.81 | 0.00 | |
| Days Since Last Change | 82 | 74 | 220 | |
| High (-7 m) | 4.00 % | 4.50 % | 4.50 % | |
| Low (-7 m) | 3.70 % | 4.10 % | 4.50 % | |
| Draw-down from High | -7.5 % | -8.9 % | 0.0 % | |
| Volatility (CV) | 0.023 | 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 221 days.
- Low (-7 m)
- Lowest APY in the last 221 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 Presidential Bank
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 OverviewPresidential Bank
APY: 4.50%
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Effective APY: 4.50% (based on your deposit and contributions)
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Barclays's total earnings would be $389.9 lower than Presidential Bank'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 | Best 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 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 Fitness Bank | 4.85% | $100 |
| Barclays vs Marcus by Goldman Sachs | 3.65% | $0 |
| Barclays vs SoFi Bank | 3.80% | $0 |
| Barclays vs Synchrony Bank | 3.80% | $0 |
| Barclays vs UFB Direct | 4.21% | $5000 |
| Barclays vs Varo Bank | 5.00% | $0 |
| Barclays vs Wells Fargo | 2.51% | $25 |
Compare Presidential Bank's APY of 4.50% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Presidential Bank vs Ally Bank | 3.50% | $0 |
| Presidential Bank vs American Express | 3.50% | $0 |
| Presidential Bank vs Axos Bank | 4.46% | $0 |
| Presidential Bank vs Bank of America | 0.01% | $100 |
| Presidential Bank vs Capital One | 3.50% | $0 |
| Presidential Bank vs Chase Bank | 0.01% | $0 |
| Presidential Bank vs Chime | 3.75% | $0 |
| Presidential Bank vs CIT Bank | 4.00% | $100 |
| Presidential Bank vs Discover Bank | 3.50% | $0 |
| Presidential Bank vs Fitness Bank | 4.85% | $100 |
| Presidential Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Presidential Bank vs SoFi Bank | 3.80% | $0 |
| Presidential Bank vs Synchrony Bank | 3.80% | $0 |
| Presidential Bank vs UFB Direct | 4.21% | $5000 |
| Presidential Bank vs Varo Bank | 5.00% | $0 |
| Presidential Bank vs Wells Fargo | 2.51% | $25 |