Betterment vs. Quontic 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
Quontic Bank
High Yield Savings
3.75%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Quontic Bank
High Yield 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. Quontic Bank Savings Calculator
Quontic Bank earns $159.7 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
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$2,273.80(11.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,273.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Betterment vs. Quontic Bank
Why Betterment?
No distinct advantages found vs Quontic Bank.
Why Quontic Bank?
- ✓Higher potential APY (3.75% vs 3.50%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Quontic BankQuontic Bank's High Yield Savings earns more on smaller deposits (approx. $375 vs $350/yr).
Better Returns at $25,000
Quontic BankQuontic Bank's High Yield Savings pulls ahead with larger amounts (approx. $938 vs $875/yr).
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.75% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Quontic Bank's High Yield Savings pays $25 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
Quontic Bank offers a High Yield Savings account with a competitive APY of 3.75%, making it the clear winner compared to Betterment's Cash Reserve, which has an APY of 3.50%. Quontic's account is accessible with a minimum deposit of $100 and has no maintenance fees, while Betterment requires only a $10 minimum deposit. Both accounts are online-only and do not require direct deposit. Quontic Bank's product is noted for providing better returns on both small and large deposits, making it an attractive option for savers.
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 Quontic Bank.
| Feature | Betterment | Quontic Bank |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 3.75% Verified: 12/10/2025 Stable (90d) |
| Product Name | Cash Reserve | High Yield Savings |
| Minimum Deposit | $10 | $100 |
| Min. Balance for APY | $0 | $0 |
| 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 | iOS4.8 Android4.7 | iOS4.8 Android4.8 |
| BBB Rating | A- | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | Quontic Bank |
|---|---|---|
| Cash Reserve | High Yield Savings | |
Current APY | 3.50% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.6 | -1.4 |
Days Since Change | 39 | 166 |
11-Month High | 4.00% | 3.85% |
11-Month Low | 3.50% | 3.75% |
Adjustments / Mo | 0.19 | 0.09 |
Volatility Score | 0.049 | 0.013 |
How to read these metrics(Click to expand)
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