FNBO Direct vs. Popular Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FNBO DirectHigh-Yield Online Savings Account Jan 7, 2026 | Popular DirectPopular Direct Select Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.00% | 3.90% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $1 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredLow Minimums |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing FNBO Direct vs. Popular Direct
As of FNBO Direct offers an APY of 3.00% for its High-Yield Online Savings Account, with a minimum balance of $0.01, compared to Popular Direct's 3.90% APY for its Popular Direct Select Savings account, with a minimum balance of $0.01.
Popular Direct pays $90 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while Popular Direct pays $390 - an APY advantage for Popular Direct.
Why FNBO Direct?
- ✓Higher rated iOS app (4.5 vs 1.3)
- ✓Higher rated Android app (4.8 vs 1.3)
- ✓Fast transfers via Zelle®
Why Popular Direct?
- ✓Higher potential APY (3.90% vs 3.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Popular DirectPopular Direct's Popular Direct Select Savings earns more on smaller deposits (approx. $390 vs $300/yr).
Better Returns at $25,000
Popular DirectPopular Direct's Popular Direct Select Savings pulls ahead with larger amounts (approx. $975 vs $750/yr).
Best for Simplicity
Popular DirectPopular Direct's Popular Direct Select Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
FNBO DirectFNBO Direct offers an iOS app rated 4.5 (vs. 1.3) and Android app rated 4.8 (vs. 1.3)
Shared Benefits
Over a 1-year period, Popular Direct's Popular Direct Select Savings pays $90 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Popular Direct offers a higher APY of 3.90% on its Popular Direct Select Savings account, making it the winner compared to FNBO Direct's High-Yield Online Savings Account, which has an APY of 3.00%. Both accounts require no maintenance fees, and neither requires direct deposit. Popular Direct's account is also noted for its simplicity, with no caps or bundling requirements. Both banks operate online only, with FNBO Direct allowing a minimum deposit of $1, while Popular Direct requires a minimum deposit of $100.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
FNBO Direct vs. Popular Direct Savings Calculator
You earn $90 more with Popular Direct than FNBO Direct 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.
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | FNBO Direct | Popular Direct |
|---|---|---|
| APY | 3.00% Verified: 1/7/2026 Stable (90d) | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | High-Yield Online Savings Account | Popular Direct Select Savings |
| Minimum Deposit | $1 | $100 |
| Min. Balance for APY | $0.01 | $0.01 |
| 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 | iOS1.3 Android1.3 |
| Zelle® Support | Available Online division fully supports Zelle. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at FNBO Direct Non-sponsored link to official site | Visit SiteVerify at Popular Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FNBO Direct | Popular Direct |
|---|---|---|
| High-Yield Online Savings Account | Popular Direct Select Savings | |
Current APY | 3.00% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.4 | -3.3 |
Days Since Change | 96 | 23 |
5-Month High | 3.25% | 4.10% |
5-Month Low | 3.00% | 3.90% |
Adjustments / Mo | 0.18 | 0.72 |
Volatility Score | 0.039 | 0.016 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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