Fnbo Direct vs. Valley Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 16, 2025
We earn a commission if you open an account through some links on this page.
Summary of FNBO Direct vs. Valley Direct
Key Metrics at a Glance
| Feature | FNBO Direct | Valley Direct |
|---|---|---|
| Top Savings APY | 3.00% High-Yield Online Savings Account | 4.10% High-Yield Savings Account |
| Minimum to Open | $1 | $1,000 |
| Minimum Balance for Top APY | $0.01 | $0.01 |
| Note | Promo. Eligibility restricted to new customers. |
FNBO Direct
Strengths
- FNBO Direct offers a competitive APY of 3.00%.
- No maintenance fees with FNBO Direct's savings account.
- FNBO Direct has a high App Store rating of 4.5.
Potential Drawbacks
- FNBO Direct has no physical branches for in-person service.
- The APY has not changed in the last 30 days.
- Requires only a $1 minimum deposit to open an account.
Valley Direct
Strengths
- Valley Direct provides a higher APY of 4.10%.
- Valley Direct accounts can be serviced at branch locations.
- Valley Direct has a Google Play rating of 4.5.
Potential Drawbacks
- Valley Direct is not BBB Accredited despite an A+ rating.
- Requires a $1,000 minimum deposit to open an account.
- The APY has not changed in the last 30 days.
→ As of November 16, 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 Valley Direct's 4.10% APY for its High-Yield Savings Account, with a minimum balance of $0.01.
→ Valley Direct yields $110 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while Valley Direct pays $410 - an APY advantage for Valley Direct.
Calculate Savings Growth for FNBO Direct vs Valley 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 OverviewValley Direct - High-Yield Savings Account
Total savings breakdown:
- Interest earned: $2,499.4 (12.19%)
- Total contributions: $13,000 (63.42%)
- Initial deposit: $5,000 (24.39%)
Your total balance
$20,499.40
Total balance: $20,499.4
Earnings: $2,499.4
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, FNBO Direct's total earnings would be $701.2 lower than Valley 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 Valley Direct's Savings Accounts
| FNBO Direct | Valley Direct | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | High-Yield Savings Account |
| APY | 3.00% (as of 11/16/2025) | 4.10% (as of 11/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $1 | $1,000 | |
| Minimum Balance for APY | $0.01 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | United States | Only for new customers. Existing Valley Bank or Valley Direct customers may open a savings account with a somewhat lower rate. | |
| Note | Promo. Eligibility restricted to new customers. | ||
| App Store Rating | 4.5/5 | 4.8/5 | |
| Google Play Rating | 4.8/5 | 4.5/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 4 Months)
| FNBO Direct | Valley Direct | ||
|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | High-Yield Savings Account |
| Latest APY | 3.00 % | 4.10 % | |
| Trend | Falling | Falling | |
| Slope (bps/mo) | -9.6 | -7.7 | |
| Rate Changes / Mo | 0.26 | 0.53 | |
| Days Since Last Change | 44 | 51 | |
| High (-4 m) | 3.25 % | 4.30 % | |
| Low (-4 m) | 3.00 % | 4.05 % | |
| Draw-down from High | -7.7 % | -4.7 % | |
| Volatility (CV) | 0.040 | 0.025 |
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 114 days.
- Low (-4 m)
- Lowest APY in the last 114 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.