High-Yield Savings Account Comparison

EverBank vs. Vio Bank

Comparing EverBank and Vio Bank for high-yield savings: EverBank's Performance Savings pays 3.90% APY while Vio Bank's Online Savings Account pays 4.03% APY.

See how they compare on rate stability, mobile app ratings, and more below.

Analysis by Aviel Fahl
Updated February 21, 2026

The Bottom Line

Who pays more interest on $10,000? Vio Bank pays $13 more than EverBank annually ($403 vs $390).

Choose EverBank if you're an Android user, or you want Zelle for quick transfers. Choose Vio Bank if getting the best rate matters most.

Comparison of EverBank vs Vio Bank savings accounts
Metric

EverBank

Performance Savings

Feb 21, 2026

Vio Bank

Online Savings Account

Feb 21, 2026
APY3.90%4.03%
Est. Earnings
$5,000+$195
$10,000+$390
$25,000+$975
$5,000+$202
$10,000+$403
$25,000+$1,008
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 AppDaily 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.

See Top Rates

Comparison Analysis

Comparing EverBank vs. Vio Bank

Updated: Feb 21, 2026

Executive Summary

Vio Bank offers a competitive Online Savings Account with a higher APY of 4.03%, compared to EverBank's Performance Savings account, which has an APY of 3.90%. Both accounts are online-only and require no maintenance fees, but Vio Bank does require a minimum deposit of $100. While EverBank has no minimum deposit requirement, Vio Bank's account provides better returns, particularly for larger deposits. Overall, Vio Bank is the winner based on the higher APY.

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?

  • Physical branch access (11 locations in Florida and California)
  • Higher rated Android app (4.7 vs 3.4)
  • Fast transfers via Zelle®

Why Vio Bank?

  • Higher potential APY (4.03% vs 3.90%) on all balances

— Key Feature Differences —

Better Returns at $10,000
Vio Bank

Vio Bank's Online Savings Account earns more on smaller deposits (approx. $403 vs $390/yr).

Better Returns at $25,000
Vio Bank

Vio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1008 vs $975/yr).

Shared Benefits

Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Vio Bank's Online Savings Account pays $13 more interest on a $10,000 balance than EverBank's Performance Savings.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

EverBankVio Bank
Verify At
EverBank

Non-sponsored link to official site

Verify At
Vio Bank

Non-sponsored link to official site

Top Market Contenders

SoFi Bank
4.00% APY
Ally Bank
3.20% APY
Marcus by Goldman Sachs
3.65% APY

EverBank vs. Vio Bank Savings Calculator

Calculations based on current APY for Performance Savings and Online Savings Account
$
$

You earn $13 more with Vio Bank than EverBank 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

3.90% APY

Savings Breakdown

  • Interest Earned
    +$390.00(3.8%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,390.00

Effective APY
3.90%

Vio Bank

Online Savings Account

4.03% APY

Savings Breakdown

  • Interest Earned
    +$403.00(3.9%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,403.00

Effective APY
4.03%

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 $389 per year in interest.

Both EverBank and Vio Bank dramatically outperform the typical 0.01% APY at traditional big banks.

Big banks currently pay 0.01% APY on savings vs 3.90%+ here
FeatureEverBankVio Bank
APY
3.90%
Verified: 2/21/2026
↘︎ 0.15%90d Change
4.03%
Verified: 2/21/2026
↘︎ 0.13%90d Change
Product NamePerformance SavingsOnline Savings Account
Minimum Deposit$0$100
Min. Balance for APY$0$0
Monthly Fee$0$0, if electronic statements selected, otherwise $5
Compound FrequencyDailyDaily
Branch AccessNoneNone
Account Type
Online Only
Online Only
Physical Branches11 locations in Florida and CaliforniaNone
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.7
iOS4.6
Android3.4
FDIC Insured
Zelle® Support
Available
Native integration verified.
Not Supported
BBB RatingA+A+
Next Steps
Visit Site

Non-sponsored link to official site

Visit Site

Non-sponsored link to official site

📈 Compare Savings Rates Over Time

Historical Performance

Last 3 Months Analysis
MetricEverBankVio Bank
Performance SavingsOnline Savings Account
Current APY
3.90%4.03%
Trend
Stable Stable
Velocity (bps/mo)
-6.1-6.2
Days Since Change
648
3-Month High
4.05%4.21%
3-Month Low
3.90%4.02%
Adjustments / Mo
0.301.20
Volatility Score
0.0180.016
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 100-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

More Comparisons

Compare EverBank's APY of 3.90% with other banks
Bank PairCompetitor APYMin Deposit
EverBank vs Affirm3.20%$0
EverBank vs Ally Bank3.20%$0
EverBank vs American Express3.30%$0
EverBank vs Axos Bank4.21%$0
EverBank vs Bank of America0.01%$100
EverBank vs Barclays3.85%$0
EverBank vs Bask Bank0.25%$0
EverBank vs Betterment3.90%$10
EverBank vs BMO Alto3.15%$0
EverBank vs Bread Savings4.00%$100
EverBank vs BrioDirect3.75%$5,000
EverBank vs Capital One3.30%$0
EverBank vs Carver Bank4.00%$5,000
EverBank vs Charles Schwab Bank0.15%$0
EverBank vs Chase Bank0.01%$0
EverBank vs Chime3.00%$0
EverBank vs CIT Bank3.75%$100
EverBank vs Citibank3.20%$0
EverBank vs Citizens Access™3.15%$0.01
EverBank vs Climate First Bank4.21%$50
EverBank vs Colorado Federal Savings Bank4.05%$50,000
EverBank vs Discover Bank3.30%$0
EverBank vs E*TRADE from Morgan Stanley3.35%$0
EverBank vs Elevault3.82%$0
EverBank vs Fitness Bank4.50%$100
EverBank vs FNBO Direct3.00%$1
EverBank vs Forbright Bank3.85%$0
EverBank vs FVCbank4.00%$500
EverBank vs GO2bank4.50%$0
EverBank vs Ivy Bank3.85%$2,500
EverBank vs Jenius Bank4.05%$0
EverBank vs LendingClub4.00%$0
EverBank vs Marcus by Goldman Sachs3.65%$0
EverBank vs MutualOne Bank4.07%$20,000
EverBank vs My Banking Direct4.02%$500
EverBank vs Neighbors Bank4.20%$0
EverBank vs Newtek Bank4.20%$0.01
EverBank vs Openbank4.09%$500
EverBank vs Peak Bank4.02%$100
EverBank vs Pibank4.60%$0
EverBank vs PNC3.30%$0
EverBank vs Popular Direct3.90%$100
EverBank vs Presidential Bank3.75%$5,000
EverBank vs Quontic Bank3.50%$100
EverBank vs Salem Five Direct3.61%$10
EverBank vs Sallie Mae Bank3.85%$0
EverBank vs Santander Bank0.01%$25
EverBank vs SoFi Bank4.00%$0
EverBank vs Synchrony Bank3.50%$0
EverBank vs TD Bank2.36%$0
EverBank vs TIMBR4.15%$1,000
EverBank vs UFB Direct3.46%$5000
EverBank vs Upgrade3.05%$0
EverBank vs Valley Direct4.00%$1,000
EverBank vs Varo Bank5.00%$0
EverBank vs Wealthfront3.95%$0
EverBank vs Wells Fargo0.05%$25
EverBank vs Zynlo Bank3.85%$10
Compare Vio Bank's APY of 4.03% with other banks