Barclays vs. Valley Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Barclays
Tiered Savings
Up to4.00%APYDec 6, 2025FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppRange: 3.85% – 4.00%Show Fine Print & Trends Hide Details
Barclays
Tiered Savings
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Barclays vs. Valley Direct
Why Barclays?
- ✓Offers 2 different high-yield savings options
- ✓Available to New & Existing Customers
Why Valley Direct?
No distinct advantages found vs Barclays.
— Key Feature Differences —
Better Returns at $10,000
Valley DirectValley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $385/yr).
Better Returns at $25,000
Valley DirectValley Direct's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $963/yr).
Best for Simplicity
Valley DirectValley Direct's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Valley Direct's High-Yield Savings Account pays $25 more interest on a $10,000 balance than Barclays's Tiered Savings.
Executive Summary
Valley Direct offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the winner in this comparison. This account is available online only and requires a minimum deposit of $1,000, with no maintenance fees and a minimum balance of just $0.01 to earn interest. In contrast, Barclays features a Tiered Savings account that offers a maximum APY of 4.00%, but this rate is only accessible for balances over $250,000; lower balances earn 3.85%. While Barclays has an Online Savings account with a 3.60% APY, Valley Direct's product stands out for its higher yield and straightforward terms.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Barclays and Valley Direct.
| Feature | Barclays | Valley Direct |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change |
| Product Name | Tiered Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $1,000 |
| 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 | iOS4.8 Android4.5 |
| 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%. | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
Savings Comparison
Valley Direct earns $161.4 more than Barclays.
Barclays
Tiered Savings
Savings Breakdown
- Interest Earned+$2,338.00(11.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,338.00
Valley Direct
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Valley Direct | |
|---|---|---|---|
| Online Savings | Tiered Savings | High-Yield Savings Account | |
Current APY | 3.60% | 4.00% | 4.10% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -4.4 | 1.1 |
Days Since Change | 10 | 17 | 71 |
10-Month High | 4.00% | 4.50% | 4.40% |
10-Month Low | 3.60% | 4.00% | 3.75% |
Adjustments / Mo | 0.57 | 0.66 | 0.66 |
Volatility Score | 0.025 | 0.036 | 0.044 |
How to read these metrics(Click to expand)
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