FNBO Direct vs. Peak Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
FNBO Direct
High-Yield Online Savings Account
3.00%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
FNBO Direct
High-Yield Online Savings Account
Peak Bank
Envision High Yield Savings
4.20%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Peak Bank
Envision High Yield Savings
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing FNBO Direct vs. Peak Bank
Why FNBO Direct?
No distinct advantages found vs Peak Bank.
Why Peak Bank?
- ✓Higher potential APY (4.20% vs 3.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Peak BankPeak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $420 vs $300/yr).
Better Returns at $25,000
Peak BankPeak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $1050 vs $750/yr).
Best for Simplicity
Peak BankPeak Bank's Envision High Yield Savings offers 4.20% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Peak Bank's Envision High Yield Savings pays $120 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
Executive Summary
Peak Bank offers a competitive Envision High Yield Savings account with an APY of 4.20%, making it the winner in this comparison. This account is online-only, requires a minimum deposit of $100, and has no maintenance fees, providing better returns than FNBO Direct's High-Yield Online Savings Account, which offers an APY of 3.00%. Both accounts do not require direct deposit and have no monthly maintenance fees, but Peak Bank's higher APY is particularly advantageous for larger deposits. For those looking for a straightforward savings option, Peak Bank's offering stands out.
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 FNBO Direct and Peak Bank.
| Feature | FNBO Direct | Peak Bank |
|---|---|---|
| APY | 3.00% Verified: 12/6/2025 ↘︎ 0.25%90d Change | 4.20% Verified: 12/6/2025 ↘︎ 0.15%90d Change |
| Product Name | High-Yield Online Savings Account | Envision High Yield Savings |
| Minimum Deposit | $1 | $100 |
| Min. Balance for APY | $0.01 | N/A |
| 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 | iOS4.5 Android4.8 | iOS4.8 Android4.6 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
Peak Bank earns $766.1 more than FNBO Direct.
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$1,798.20(9.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,798.20
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$2,564.30(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,564.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FNBO Direct | Peak Bank |
|---|---|---|
| High-Yield Online Savings Account | Envision High Yield Savings | |
Current APY | 3.00% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.3 | -5.5 |
Days Since Change | 64 | 66 |
4-Month High | 3.25% | 4.44% |
4-Month Low | 3.00% | 4.20% |
Adjustments / Mo | 0.22 | 0.44 |
Volatility Score | 0.040 | 0.019 |
How to read these metrics(Click to expand)
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