EverBank vs. Quontic Bank
Comparing EverBank and Quontic Bank for high-yield savings: EverBank's Performance Savings pays 3.90% APY while Quontic Bank's High Yield Savings pays 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? EverBank pays $40 more than Quontic Bank annually ($390 vs $350).
Choose EverBank if getting the best rate matters most.
| Metric | EverBankPerformance Savings Feb 21, 2026 | Quontic BankHigh Yield Savings Feb 21, 2026 |
|---|---|---|
| APY | 3.90% | 3.50% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing EverBank vs. Quontic Bank
Executive Summary
EverBank offers a competitive Performance Savings account with an APY of 3.90%, making it the best option between the two banks. This account has no minimum deposit or maintenance fees, and it does not require direct deposit, providing simplicity for users. In contrast, Quontic Bank's High Yield Savings account offers a lower APY of 3.50%, also with no maintenance fees and a minimum deposit of $100. Both accounts are online-only, but EverBank stands out with its higher yield.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why EverBank?
- ✓Higher potential APY (3.90% vs 3.50%) on all balances
- ✓Physical branch access (11 locations in Florida and California)
Why Quontic Bank?
No distinct advantages found vs EverBank.
— Key Feature Differences —
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $390 vs $350/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $875/yr).
Best for Simplicity
EverBankEverBank's Performance Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Quontic BankQuontic Bank offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.8 (vs. 4.7)
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $40 more interest on a $10,000 balance than Quontic Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
* Secure link to our partner
Top Market Contenders
EverBank vs. Quontic Bank Savings Calculator
You earn $40 more with EverBank than Quontic Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $349 per year in interest.
Both EverBank and Quontic Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | EverBank | Quontic Bank |
|---|---|---|
| APY | 3.90% Verified: 2/21/2026 ↘︎ 0.15%90d Change | 3.50% Verified: 2/21/2026 ↘︎ 0.25%90d Change |
| Product Name | Performance Savings | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | 11 locations in Florida and California | None for banking. Loan offices only. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Native integration verified. | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at EverBank Non-sponsored link to official site | Visit SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | EverBank | Quontic Bank |
|---|---|---|
| Performance Savings | High Yield Savings | |
Current APY | 3.90% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.2 | -2.7 |
Days Since Change | 64 | 53 |
12-Month High | 4.30% | 3.85% |
12-Month Low | 3.90% | 3.50% |
Adjustments / Mo | 0.16 | 0.16 |
Volatility Score | 0.040 | 0.032 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare EverBank vs...
Comparing against Standard Savings
Compare Quontic Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.
More Comparisons
Compare EverBank's APY of 3.90% with other banks
Compare Quontic Bank's APY of 3.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Quontic Bank vs Ally Bank | 3.20% | $0 |
| Quontic Bank vs American Express | 3.30% | $0 |
| Quontic Bank vs Axos Bank | 4.21% | $0 |
| Quontic Bank vs Bank of America | 0.01% | $100 |
| Quontic Bank vs Barclays | 3.85% | $0 |
| Quontic Bank vs Capital One | 3.30% | $0 |
| Quontic Bank vs Chase Bank | 0.01% | $0 |
| Quontic Bank vs Chime | 3.00% | $0 |
| Quontic Bank vs CIT Bank | 3.75% | $100 |
| Quontic Bank vs Citibank | 3.20% | $0 |
| Quontic Bank vs Discover Bank | 3.30% | $0 |
| Quontic Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Quontic Bank vs Newtek Bank | 4.20% | $0.01 |
| Quontic Bank vs Openbank | 4.09% | $500 |
| Quontic Bank vs Pibank | 4.60% | $0 |
| Quontic Bank vs SoFi Bank | 4.00% | $0 |
| Quontic Bank vs Synchrony Bank | 3.50% | $0 |
| Quontic Bank vs Varo Bank | 5.00% | $0 |
| Quontic Bank vs Wealthfront | 3.95% | $0 |
| Quontic Bank vs Wells Fargo | 0.05% | $25 |