High-Yield Savings Account Comparison

Betterment vs. FNBO Direct

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Betterment

Cash Reserve

3.50%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.7
BBB Rating
A-(BBB Accredited)

Rate Stability

Rate Adjusted
-0.50%
Since 90 days ago
Read Bank Overview

FNBO Direct

High-Yield Online Savings Account

3.00%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5452)
EligibilityUnited States
Mobile Ratings
iOS:4.5Android:4.8
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

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.

See Top Rates

Betterment vs. FNBO Direct Savings Calculator

Calculations based on current APY for Cash Reserve and High-Yield Online Savings Account
$
$

Betterment earns $315.9 more than FNBO Direct.

Betterment

Cash Reserve

3.50% APY

Savings Breakdown

  • Interest Earned
    +$2,114.10(10.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,114.10

Effective APY
3.50%
View Details

FNBO Direct

High-Yield Online Savings Account

3.00% APY

Savings Breakdown

  • Interest Earned
    +$1,798.20(9.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,798.20

Effective APY
3.00%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Betterment vs. FNBO Direct

Updated: Dec 10, 2025

Why Betterment?

  • ✓Higher potential APY (3.50% vs 3.00%) on all balances

Why FNBO Direct?

No distinct advantages found vs Betterment.

— Key Feature Differences —

Better Returns at $10,000
Betterment

Betterment's Cash Reserve earns more on smaller deposits (approx. $350 vs $300/yr).

Better Returns at $25,000
Betterment

Betterment's Cash Reserve pulls ahead with larger amounts (approx. $875 vs $750/yr).

Best for Simplicity
Betterment

Betterment's Cash Reserve offers 3.50% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Betterment's Cash Reserve pays $50 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.

FNBO DirectBetterment
Automated Data Audit

Executive Summary

Betterment's Cash Reserve offers a competitive APY of 3.50%, making it the standout choice compared to FNBO Direct's High-Yield Online Savings Account, which has an APY of 3.00%. Betterment's product is particularly advantageous for smaller deposits, with no direct deposit requirement and no maintenance fees, making it a simple option for savers. In contrast, FNBO Direct also has no maintenance fees but offers a lower APY. Both accounts are online-only and require no minimum balance, but Betterment's higher yield positions it as the preferable option for those looking to maximize their savings.

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.

ExploreBettermentExploreFNBO Direct

Stop Losing Interest

See who beats both Betterment and FNBO Direct.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+1.10% vs Betterment
Better Rate
Pibank vs BettermentPibank vs FNBO Direct
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.81% vs Betterment
Better Rate
Axos Bank vs BettermentAxos Bank vs FNBO Direct
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.90% vs Betterment
Better Rate
TIMBR vs BettermentTIMBR vs FNBO Direct
FeatureBettermentFNBO Direct
APY
3.50%
Verified: 12/10/2025
↘︎ 0.50%90d Change
3.00%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NameCash ReserveHigh-Yield Online Savings Account
Minimum Deposit$10$1
Min. Balance for APY$0$0.01
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.8
Android4.7
iOS4.5
Android4.8
BBB RatingA-A+
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 5 Months Analysis
MetricBettermentFNBO Direct
Cash ReserveHigh-Yield Online Savings Account
Current APY
3.50%3.00%
Trend
 Stable Stable
Velocity (bps/mo)
-14.8-8.0
Days Since Change
3968
5-Month High
4.00%3.25%
5-Month Low
3.50%3.00%
Adjustments / Mo
0.430.22
Volatility Score
0.0570.040
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 139-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare Betterment vs...

Comparing against Standard Savings

vs Betterment
PibankNo Bundle Req
4.60%
APY
vs Betterment
TIMBRNo Bundle Req
4.40%
APY
vs Betterment
Newtek BankNo Bundle Req
4.35%
APY

Compare FNBO Direct vs...

Comparing against Standard Savings

vs FNBO Direct
PibankNo Bundle Req
4.60%
APY
vs FNBO Direct
TIMBRNo Bundle Req
4.40%
APY
vs FNBO Direct
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Betterment's APY of 3.50% with other banks
Bank PairCompetitor APYMin Deposit
Betterment vs Affirm3.60%$0
Betterment vs Ally Bank3.30%$0
Betterment vs American Express3.40%$0
Betterment vs Axos Bank4.31%$0
Betterment vs Bank of America0.01%$100
Betterment vs Barclays4.00%$0
Betterment vs Bask Bank3.90%$0
Betterment vs BMO Alto3.25%$0
Betterment vs Bread Savings4.10%$100
Betterment vs BrioDirect4.00%$5,000
Betterment vs Capital One3.40%$0
Betterment vs Charles Schwab Bank0.15%$0
Betterment vs Chase Bank0.01%$0
Betterment vs Chime3.50%$0
Betterment vs CIT Bank3.75%$100
Betterment vs Citibank3.30%$0
Betterment vs Citizens Access™3.15%$0.01
Betterment vs Climate First Bank4.21%$50
Betterment vs Discover Bank3.40%$0
Betterment vs E*TRADE from Morgan Stanley3.75%$0
Betterment vs Elevault4.08%$0
Betterment vs EverBank4.05%$0
Betterment vs Fitness Bank4.75%$100
Betterment vs Forbright Bank4.00%$0
Betterment vs FVCbank3.85%$500
Betterment vs GO2bank4.50%$0
Betterment vs Ivy Bank4.25%$2,500
Betterment vs LendingClub4.20%$0
Betterment vs Marcus by Goldman Sachs3.65%$0
Betterment vs Neighbors Bank4.30%$0
Betterment vs Newtek Bank4.35%$0.01
Betterment vs Openbank4.20%$500
Betterment vs Peak Bank4.20%$100
Betterment vs Pibank4.60%$0
Betterment vs PNC3.53%$0
Betterment vs Presidential Bank4.00%$5,000
Betterment vs Quontic Bank3.75%$100
Betterment vs Salem Five Direct3.71%$10
Betterment vs Sallie Mae Bank3.90%$0
Betterment vs Santander Bank0.01%$25
Betterment vs SoFi Bank4.30%$0
Betterment vs Synchrony Bank3.65%$0
Betterment vs TD Bank2.75%$0
Betterment vs TIMBR4.40%$1,000
Betterment vs UFB Direct3.71%$5000
Betterment vs Upgrade3.05%$0
Betterment vs Valley Direct4.10%$1,000
Betterment vs Varo Bank5.00%$0
Betterment vs Vio Bank4.16%$100
Betterment vs Wealthfront4.15%$0
Betterment vs Wells Fargo0.05%$25
Betterment vs Zynlo Bank4.05%$10
Compare FNBO Direct's APY of 3.00% with other banks
Bank PairCompetitor APYMin Deposit
FNBO Direct vs Affirm3.60%$0
FNBO Direct vs Ally Bank3.30%$0
FNBO Direct vs American Express3.40%$0
FNBO Direct vs Axos Bank4.31%$0
FNBO Direct vs Bank of America0.01%$100
FNBO Direct vs Barclays4.00%$0
FNBO Direct vs Bask Bank3.90%$0
FNBO Direct vs BMO Alto3.25%$0
FNBO Direct vs Bread Savings4.10%$100
FNBO Direct vs BrioDirect4.00%$5,000
FNBO Direct vs Capital One3.40%$0
FNBO Direct vs Charles Schwab Bank0.15%$0
FNBO Direct vs Chase Bank0.01%$0
FNBO Direct vs Chime3.50%$0
FNBO Direct vs CIT Bank3.75%$100
FNBO Direct vs Citibank3.30%$0
FNBO Direct vs Citizens Access™3.15%$0.01
FNBO Direct vs Climate First Bank4.21%$50
FNBO Direct vs Discover Bank3.40%$0
FNBO Direct vs E*TRADE from Morgan Stanley3.75%$0
FNBO Direct vs Elevault4.08%$0
FNBO Direct vs EverBank4.05%$0
FNBO Direct vs Fitness Bank4.75%$100
FNBO Direct vs Forbright Bank4.00%$0
FNBO Direct vs FVCbank3.85%$500
FNBO Direct vs GO2bank4.50%$0
FNBO Direct vs Ivy Bank4.25%$2,500
FNBO Direct vs LendingClub4.20%$0
FNBO Direct vs Marcus by Goldman Sachs3.65%$0
FNBO Direct vs Neighbors Bank4.30%$0
FNBO Direct vs Newtek Bank4.35%$0.01
FNBO Direct vs Openbank4.20%$500
FNBO Direct vs Peak Bank4.20%$100
FNBO Direct vs Pibank4.60%$0
FNBO Direct vs PNC3.53%$0
FNBO Direct vs Presidential Bank4.00%$5,000
FNBO Direct vs Quontic Bank3.75%$100
FNBO Direct vs Salem Five Direct3.71%$10
FNBO Direct vs Sallie Mae Bank3.90%$0
FNBO Direct vs Santander Bank0.01%$25
FNBO Direct vs SoFi Bank4.30%$0
FNBO Direct vs Synchrony Bank3.65%$0
FNBO Direct vs TD Bank2.75%$0
FNBO Direct vs TIMBR4.40%$1,000
FNBO Direct vs UFB Direct3.71%$5000
FNBO Direct vs Upgrade3.05%$0
FNBO Direct vs Valley Direct4.10%$1,000
FNBO Direct vs Varo Bank5.00%$0
FNBO Direct vs Vio Bank4.16%$100
FNBO Direct vs Wealthfront4.15%$0
FNBO Direct vs Wells Fargo0.05%$25
FNBO Direct vs Zynlo Bank4.05%$10