FNBO Direct vs. Salem Five 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 | Salem Five DirecteOne Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.00% | 3.61% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $5,000+$181 $10,000+$361 $25,000+$903 |
Min Deposit | $1 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported |
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. Salem Five 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 Salem Five Direct's 3.61% APY for its eOne Savings account, with a minimum balance of $0.01.
Salem Five Direct pays $61 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while Salem Five Direct pays $361 - an APY advantage for Salem Five Direct.
Why FNBO Direct?
- ✓Higher rated Android app (4.8 vs 4.2)
Why Salem Five Direct?
- ✓Higher potential APY (3.61% vs 3.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Salem Five DirectSalem Five Direct's eOne Savings earns more on smaller deposits (approx. $361 vs $300/yr).
Better Returns at $25,000
Salem Five DirectSalem Five Direct's eOne Savings pulls ahead with larger amounts (approx. $903 vs $750/yr).
Best for Simplicity
Salem Five DirectSalem Five Direct's eOne Savings offers 3.61% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Salem Five Direct's eOne Savings pays $61 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
Salem Five Direct's eOne Savings account stands out with a competitive 3.61% APY, making it the winner among the two banks compared. This account is online-only and requires a minimum deposit of $10, with no monthly maintenance fees, and it offers better returns on larger deposits compared to FNBO Direct's High-Yield Online Savings Account, which offers a lower 3.00% APY. Both accounts have no direct deposit requirements and allow for a minimum balance of $0.01, with monthly compounding. For those seeking a higher yield, Salem Five Direct's eOne Savings is the preferable option.
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. Salem Five Direct Savings Calculator
You earn $61 more with Salem Five 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
Salem Five Direct
eOne Savings
Savings Breakdown
- Interest Earned+$361.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,361.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | FNBO Direct | Salem Five Direct |
|---|---|---|
| APY | 3.00% Verified: 1/7/2026 Stable (90d) | 3.61% Verified: 1/7/2026 ↘︎ 0.40%90d Change |
| Product Name | High-Yield Online Savings Account | eOne Savings |
| Minimum Deposit | $1 | $10 |
| 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 | iOS4.7 Android4.2 |
| Zelle® Support | Available Online division fully supports Zelle. | Available Uses shared Salem Five mobile platform. |
| BBB Rating | A+ | A- |
| Next Steps | Visit SiteVerify at FNBO Direct Non-sponsored link to official site | Visit SiteVerify at Salem Five Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FNBO Direct | Salem Five Direct |
|---|---|---|
| High-Yield Online Savings Account | eOne Savings | |
Current APY | 3.00% | 3.61% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.4 | -9.3 |
Days Since Change | 96 | 21 |
5-Month High | 3.25% | 4.01% |
5-Month Low | 3.00% | 3.61% |
Adjustments / Mo | 0.18 | 0.54 |
Volatility Score | 0.039 | 0.042 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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