EverBank vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | EverBankPerformance Savings Jan 12, 2026 | Quontic BankHigh Yield Savings Jan 12, 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® Supported | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing EverBank vs. Quontic Bank
As of EverBank offers an APY of 3.90% for its Performance Savings account, with a minimum balance of $0, compared to Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
EverBank pays $40 more than Quontic Bank on a $10,000 balance after one year. EverBank pays $390, while Quontic Bank pays $350 - an APY advantage for EverBank.
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.
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.
Executive Summary as of
EverBank offers a competitive Performance Savings account with an APY of 3.90%, making it the superior choice compared to Quontic Bank's High Yield Savings account, which has an APY of 3.50%. EverBank's account requires no minimum deposit, maintenance fees, or direct deposit, and it compounds daily, providing better returns on both small and large deposits. In contrast, Quontic Bank's account requires a minimum deposit of $100 but also has no maintenance fees or direct deposit requirements. Both banks operate online only and are FDIC insured.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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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.
| Feature | EverBank | Quontic Bank |
|---|---|---|
| APY | 3.90% Verified: 1/12/2026 ↘︎ 0.15%90d Change | 3.50% Verified: 1/12/2026 ↘︎ 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 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.6 Android4.8 | iOS4.8 Android4.9 |
| 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) | -3.5 | -1.8 |
Days Since Change | 24 | 13 |
12-Month High | 4.30% | 3.85% |
12-Month Low | 3.90% | 3.50% |
Adjustments / Mo | 0.17 | 0.17 |
Volatility Score | 0.035 | 0.021 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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