Chase Bank vs. EverBank
Compare rates, requirements, and features side-by-side to find the best option for you.
Chase Bank
Chase Savings℠
0.01%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Chase Bank
Chase Savings℠
EverBank
Performance Savings
4.05%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
EverBank
Performance 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.
Comparison Analysis
Comparing Chase Bank vs. EverBank
Why Chase Bank?
- ✓Higher rated iOS app (4.8 vs 2.3)
- ✓Higher rated Android app (4.6 vs 1.4)
Why EverBank?
- ✓Higher potential APY (4.05% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
- ✓Physical branch access (11 locations in Florida and California)
— Key Feature Differences —
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $405 vs $1/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $1013 vs $3/yr).
Best for Simplicity
EverBankEverBank's Performance Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 2.3) and Android app rated 4.6 (vs. 1.4)
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $404 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
Executive Summary
EverBank offers a competitive Performance Savings account with an attractive APY of 4.05%, which is significantly higher than Chase Bank's Chase Savings℠, which yields only 0.01%. EverBank's account has no maintenance fees, no minimum deposit, and is online-only, making it a straightforward choice for savers. In contrast, Chase Bank does provide a mobile app rated highly for user experience, but its savings account has limited returns and may incur a maintenance fee unless certain conditions are met. Overall, for those seeking higher returns, EverBank is the clear winner.
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 Chase Bank and EverBank.
| Feature | Chase Bank | EverBank |
|---|---|---|
| APY | 0.01% Verified: 12/6/2025 Stable (90d) | 4.05% Verified: 12/6/2025 ↘︎ 0.25%90d Change |
| Product Name | Chase Savings℠ | Performance Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $5 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.6 | iOS2.3 Android1.4 |
| BBB Rating | A- | A+ |
| Important Notes | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Next Steps |
Savings Comparison
EverBank earns $2,461.3 more than Chase Bank.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$5.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,005.70
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$2,467.00(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,467.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | EverBank |
|---|---|---|
| Chase Savings℠ | Performance Savings | |
Current APY | 0.01% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -2.9 |
Days Since Change | 311 | 78 |
10-Month High | 0.01% | 4.30% |
10-Month Low | 0.01% | 4.05% |
Adjustments / Mo | 0.00 | 0.10 |
Volatility Score | 0.000 | 0.027 |
How to read these metrics(Click to expand)
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