Fnbo Direct vs. Salem Five Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of FNBO Direct vs. Salem Five Direct
Key Metrics at a Glance
| Feature | FNBO Direct | Salem Five Direct |
|---|---|---|
| Top Savings APY | 3.00% High-Yield Online Savings Account | 3.71% eOne Savings |
| Minimum to Open | $1 | $10 |
| Minimum Balance for Top APY | $0.01 | $0.01 |
FNBO Direct
Strengths
- FNBO Direct offers a competitive APY of 3.00%.
- FNBO Direct has a higher BBB rating of A+ and is BBB Accredited.
- FNBO Direct has no minimum deposit requirement.
Potential Drawbacks
- FNBO Direct's APY has not changed in the last 30 days.
- FNBO Direct has no branches for in-person banking.
- FNBO Direct has a lower App Store rating of 4.5.
Salem Five Direct
Strengths
- Salem Five Direct offers a higher APY of 3.71%.
- Salem Five Direct has a lower minimum deposit of $10.
- Salem Five Direct has a higher App Store rating of 4.7.
Potential Drawbacks
- Salem Five Direct's APY decreased from 4.01% in the last 30 days.
- Salem Five Direct is not BBB Accredited, with a rating of A-.
- Salem Five Direct has a lower Google Play rating of 4.2.
→ As of November 14, 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 Salem Five Direct's 3.71% APY for its eOne Savings account, with a minimum balance of $0.01.
→ Salem Five Direct yields $71 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while Salem Five Direct pays $371 - an APY advantage for Salem Five Direct.
Calculate Savings Growth for FNBO Direct vs Salem Five Direct
FNBO Direct - High-Yield Online Savings Account
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 OverviewSalem Five Direct - eOne Savings
Total savings breakdown:
- Interest earned: $2,248.1 (11.10%)
- Total contributions: $13,000 (64.20%)
- Initial deposit: $5,000 (24.69%)
Your total balance
$20,248.10
Total balance: $20,248.1
Earnings: $2,248.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, FNBO Direct's total earnings would be $449.9 lower than Salem Five Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare FNBO Direct's vs Salem Five Direct's Savings Accounts
| FNBO Direct | Salem Five Direct | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | eOne Savings |
| APY | 3.00% (as of 11/14/2025) | 3.71% (as of 11/14/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Monthly | |
| Minimum Deposit | $1 | $10 | |
| Minimum Balance for APY | $0.01 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.5/5 | 4.7/5 | |
| Google Play Rating | 4.8/5 | 4.2/5 | |
| BBB Rating | A+ | A- |
Comparative Historical APY Insights (Last 4 Months)
| FNBO Direct | Salem Five Direct | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | eOne Savings |
| Latest APY | 3.00 % | 3.71 % | |
| Trend | Falling | Falling | |
| Slope (bps/mo) | -9.5 | -8.2 | |
| Rate Changes / Mo | 0.27 | 0.53 | |
| Days Since Last Change | 42 | 9 | |
| High (-4 m) | 3.25 % | 4.01 % | |
| Low (-4 m) | 3.00 % | 3.71 % | |
| Draw-down from High | -7.7 % | -7.5 % | |
| Volatility (CV) | 0.039 | 0.029 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 4 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 (-4 m)
- Highest APY in the last 113 days.
- Low (-4 m)
- Lowest APY in the last 113 days.
- Draw-down from High
- How far today sits below the 4-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.