Betterment vs. Presidential Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Betterment
Cash Reserve
3.50%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Betterment
Cash Reserve
Presidential Bank
Advantage Savings
Up to4.00%APYDec 10, 2025FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 3.50% – 4.00%Show Fine Print & Trends Hide Details
Presidential Bank
Advantage Savings
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.
Betterment vs. Presidential Bank Savings Calculator
Presidential Bank earns $320.6 more than Betterment.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$2,434.70(11.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,434.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Betterment vs. Presidential Bank
Why Betterment?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.7 vs 4.1)
Why Presidential Bank?
- ✓Higher potential APY (4.00% vs 3.50%) (requires checking bundle & direct deposit)
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
— Key Feature Differences —
Better Returns at $10,000
Presidential BankPresidential Bank's Advantage Savings earns more on smaller deposits (approx. $400 vs $350/yr).
Better Returns at $25,000
Presidential BankPresidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $1000 vs $875/yr).
Best for Simplicity
BettermentBetterment's Cash Reserve offers 3.50% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Presidential BankPresidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Presidential Bank's Advantage Savings pays $50 more interest on a $10,000 balance than Betterment's Cash Reserve.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Presidential Bank's Advantage Savings leads with a 4.00% APY, requiring a monthly direct deposit of $500 into an Advantage Checking Account, which makes it ideal for those who prefer an all-in-one banking solution. In contrast, Betterment's Cash Reserve offers a competitive 3.50% APY with no direct deposit requirement and a low minimum deposit of $10, making it a simpler option for savers. Both accounts are FDIC insured, but Betterment is online-only, while Presidential Bank has physical branch access.
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 Betterment and Presidential Bank.
| Feature | Betterment | Presidential Bank |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 4.00% Range: 3.50% - 4.00% Verified: 12/10/2025 ↘︎ 0.50%90d Change |
| Product Name | Cash Reserve | Advantage Savings |
| Minimum Deposit | $10 | $5,000 |
| Min. Balance for APY | $0 | 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 | iOS4.8 Android4.7 | iOS4.8 Android4.1 |
| BBB Rating | A- | A- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | Presidential Bank |
|---|---|---|
| Cash Reserve | Advantage Savings | |
Current APY | 3.50% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.1 | -2.3 |
Days Since Change | 39 | 19 |
12-Month High | 4.25% | 4.50% |
12-Month Low | 3.50% | 4.00% |
Adjustments / Mo | 0.25 | 0.17 |
Volatility Score | 0.048 | 0.032 |
How to read these metrics(Click to expand)
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