Fnbo Direct vs. Go2bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of FNBO Direct vs. GO2bank
Key Metrics at a Glance
| Feature | FNBO Direct | GO2bank |
|---|---|---|
| Top Savings APY | 3.00% High-Yield Online Savings Account | 4.50% High Yield Savings |
| Minimum to Open | $1 | $0 |
| Minimum Balance for Top APY | $0.01 | $0 |
| Note | The 4.50% APY is up to 5,000. Balances above that earn no interest. |
FNBO Direct
Strengths
- FNBO Direct has no maintenance fees for its savings account.
- FNBO Direct offers a competitive App Store rating of 4.5.
- FNBO Direct requires only a $1 minimum deposit to open an account.
Potential Drawbacks
- FNBO Direct's current APY is lower than 30 days ago at 3.00%.
- FNBO Direct has no BBB rating, indicating a lack of assessment.
- FNBO Direct has no physical branches for in-person banking.
GO2bank
Strengths
- GO2bank offers a higher APY of 4.50% for its High Yield Savings account.
- GO2bank has a solid Google Play rating of 4.6.
- GO2bank allows a minimum deposit of $0 to open an account.
Potential Drawbacks
- GO2bank has a monthly maintenance fee of $5 unless direct deposit is set up.
- GO2bank has a BBB rating of F and is not BBB Accredited.
- GO2bank's APY has not changed from 30 days ago.
→ As of October 16, 2025 FNBO Direct offers an APY of 3.00% for its High-Yield Online Savings Account, with a minimum balance of $0.01, compared to GO2bank's 4.50% APY for its High Yield Savings account, with a minimum balance of $0.
→ FNBO Direct yields $75 more than GO2bank on a $10,000 balance after one year. FNBO Direct pays $300, while GO2bank pays $225 (with an effective APY of 2.25%) - an APY advantage for FNBO Direct.
Calculate Savings Growth for FNBO Direct vs GO2bank
FNBO Direct
Total savings breakdown:
- Interest earned: $1,798.2 (9.08%)
- Total contributions: $13,000 (65.66%)
- Initial deposit: $5,000 (25.25%)
Your total balance
$19,798.20
Total balance: $19,798.2
Earnings: $1,798.2
Bank OverviewGO2bank
ℹ️You earn 4.50% on the first $5,000 and 0.00% on the rest.
Total savings breakdown:
- Interest earned: $1,230.9 (6.40%)
- Total contributions: $13,000 (67.60%)
- Initial deposit: $5,000 (26.00%)
Your total balance
$19,230.90
Total balance: $19,230.9
Earnings: $1,230.9
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, FNBO Direct's total earnings would be $567.3 higher than GO2bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare FNBO Direct's vs GO2bank's Savings Accounts
| FNBO Direct | GO2bank | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | High Yield Savings |
| APY | 3.00% (as of 10/16/2025) | 0.00% - 4.50% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Quarterly | |
| Minimum Deposit | $1 | $0 | |
| Minimum Balance for APY | $0.01 | $0 | |
| Maintenance Fee | $0 | $5 per month, unless you set up direct deposit | |
| Direct Deposit Required | No | No | |
| Note | The 4.50% APY is up to 5,000. Balances above that earn no interest. | ||
| App Store Rating | 4.5/5 | 4.8/5 | |
| Google Play Rating | 4.8/5 | 4.6/5 | |
| BBB Rating | Not Rated | F |
Comparative Historical APY Insights (Last 2 Months)
| FNBO Direct | GO2bank | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | High Yield Savings |
| Latest APY | 3.00 % | 4.50 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -9.9 | 0.0 | |
| Rate Changes / Mo | 0.42 | 0.00 | |
| Days Since Last Change | 13 | 71 | |
| High (-2 m) | 3.25 % | 4.50 % | |
| Low (-2 m) | 3.00 % | 4.50 % | |
| Draw-down from High | -7.7 % | 0.0 % | |
| Volatility (CV) | 0.031 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 2 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-2 m)
- Highest APY in the last 72 days.
- Low (-2 m)
- Lowest APY in the last 72 days.
- Draw-down from High
- How far today sits below the 2-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.