FNBO Direct vs. Upgrade
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 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
FNBO Direct
High-Yield Online Savings Account
Upgrade
Premier Savings
3.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Upgrade
Premier Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
FNBO Direct vs. Upgrade Savings Calculator
Upgrade earns $31.4 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
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$1,829.60(9.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,829.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing FNBO Direct vs. Upgrade
Why FNBO Direct?
- ✓Higher rated Android app (4.8 vs 4.5)
Why Upgrade?
- ✓Higher rated iOS app (4.9 vs 4.5)
Shared Benefits
Over a 1-year period, Upgrade's Premier Savings pays $5 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
FNBO Direct offers a High-Yield Online Savings Account with an APY of 3.00%, while Upgrade provides a Premier Savings account with a slightly higher APY of 3.05%. Both accounts are online-only and do not require direct deposit, making them accessible to a broad audience. FNBO Direct has a minimum deposit of $1 and no maintenance fees, while Upgrade requires a minimum balance of $1,000 but also has no maintenance fees. Overall, Upgrade's Premier Savings account is the winner due to its higher APY.
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.
Stop Losing Interest
See who beats both FNBO Direct and Upgrade.
| Feature | FNBO Direct | Upgrade |
|---|---|---|
| APY | 3.00% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 3.05% Verified: 12/10/2025 ↘︎ 0.97%90d Change |
| Product Name | High-Yield Online Savings Account | Premier Savings |
| Minimum Deposit | $1 | $0 |
| Min. Balance for APY | $0.01 | $1,000 |
| 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 | iOS4.9 Android4.5 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FNBO Direct | Upgrade |
|---|---|---|
| High-Yield Online Savings Account | Premier Savings | |
Current APY | 3.00% | 3.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.0 | -28.8 |
Days Since Change | 69 | 40 |
5-Month High | 3.25% | 4.02% |
5-Month Low | 3.00% | 3.05% |
Adjustments / Mo | 0.22 | 0.43 |
Volatility Score | 0.040 | 0.118 |
How to read these metrics(Click to expand)
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