Bask Bank vs. Fnbo Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 16, 2025
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Summary of Bask Bank vs. FNBO Direct
Key Metrics at a Glance
| Feature | Bask Bank | FNBO Direct |
|---|---|---|
| Top Savings APY | 3.90% Interest Savings Account | 3.00% High-Yield Online Savings Account |
| Minimum to Open | $0 | $1 |
| Minimum Balance for Top APY | $0 | $0.01 |
Bask Bank
Strengths
- Bask Bank offers a higher APY of 3.90% compared to FNBO Direct's 3.00%.
- Bask Bank has a better App Store rating of 4.7 versus FNBO Direct's 4.5.
- Bask Bank has no minimum deposit requirement for opening an account.
Potential Drawbacks
- Bask Bank's APY decreased from 4.05% in the last 30 days.
- Bask Bank has a BBB rating of B and is not BBB Accredited.
- Bask Bank has no branches, which may limit in-person service.
FNBO Direct
Strengths
- FNBO Direct has a BBB rating of A+ and is BBB Accredited.
- FNBO Direct has a higher Google Play rating of 4.8 compared to Bask Bank's 4.5.
- FNBO Direct has no maintenance fees for its savings account.
Potential Drawbacks
- FNBO Direct offers a lower APY of 3.00% compared to Bask Bank's 3.90%.
- FNBO Direct requires a minimum deposit of $1 to open an account.
- FNBO Direct has no branches, which may limit in-person service.
→ As of November 16, 2025 Bask Bank offers an APY of 3.90% for its Interest Savings Account, with a minimum balance of $0, compared to FNBO Direct's 3.00% APY for its High-Yield Online Savings Account, with a minimum balance of $0.01.
→ Bask Bank yields $90 more than FNBO Direct on a $10,000 balance after one year. Bask Bank pays $390, while FNBO Direct pays $300 - an APY advantage for Bask Bank.
Calculate Savings Growth for Bask Bank vs FNBO Direct
Bask Bank - Interest Savings Account
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
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewFNBO Direct - High-Yield Online Savings Account
Total savings breakdown:
- Interest earned: $1,798.2 (9.08%)
- Total contributions: $13,000 (65.66%)
- Initial deposit: $5,000 (25.25%)
Your total balance
$19,798.20
Total balance: $19,798.2
Earnings: $1,798.2
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Bask Bank's total earnings would be $572 higher than FNBO Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Bask Bank's vs FNBO Direct's Savings Accounts
| Bask Bank | FNBO Direct | ||
|---|---|---|---|
| Product | Interest Savings Account | vs | High-Yield Online Savings Account |
| APY | 3.90% (as of 11/16/2025) | 3.00% (as of 11/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Monthly | |
| Minimum Deposit | $0 | $1 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.7/5 | 4.5/5 | |
| Google Play Rating | 4.5/5 | 4.8/5 | |
| BBB Rating | B | A+ |
Comparative Historical APY Insights (Last 4 Months)
| Bask Bank | FNBO Direct | ||
|---|---|---|---|
| Product | Interest Savings Account | vs | High-Yield Online Savings Account |
| Latest APY | 3.90 % | 3.00 % | |
| Trend | Falling | Falling | |
| Slope (bps/mo) | -7.5 | -9.6 | |
| Rate Changes / Mo | 0.79 | 0.26 | |
| Days Since Last Change | 9 | 44 | |
| High (-4 m) | 4.20 % | 3.25 % | |
| Low (-4 m) | 3.90 % | 3.00 % | |
| Draw-down from High | -7.1 % | -7.7 % | |
| Volatility (CV) | 0.023 | 0.040 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 4 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 (-4 m)
- Highest APY in the last 114 days.
- Low (-4 m)
- Lowest APY in the last 114 days.
- Draw-down from High
- How far today sits below the 4-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.