FNBO Direct vs. Valley Direct
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 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
FNBO Direct
High-Yield Online Savings Account
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
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.
Comparison Analysis
Comparing FNBO Direct vs. Valley Direct
Why FNBO Direct?
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher potential APY (4.10% vs 3.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Valley DirectValley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $300/yr).
Better Returns at $25,000
Valley DirectValley Direct's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $750/yr).
Best for Simplicity
Valley DirectValley Direct's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Valley Direct's High-Yield Savings Account pays $110 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
Executive Summary
Valley Direct offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the winner in this comparison. This account is available online only and requires a minimum deposit of $1,000, with no maintenance fees and a minimum balance of $0.01. The account is specifically promoted for new customers, while existing customers may earn a lower APY of 3.50%. In contrast, FNBO Direct provides a High-Yield Online Savings Account with a lower APY of 3.00%, also online only, requiring just $1 to open. Both accounts do not require direct deposit and have no maintenance fees.
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.
Top Market Contenders
See who beats both FNBO Direct and Valley Direct.
| Feature | FNBO Direct | Valley Direct |
|---|---|---|
| APY | 3.00% Verified: 12/6/2025 ↘︎ 0.25%90d Change | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change |
| Product Name | High-Yield Online Savings Account | High-Yield Savings Account |
| Minimum Deposit | $1 | $1,000 |
| 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 | iOS4.8 Android4.5 |
| BBB Rating | A+ | A+ |
| Important Notes | - | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
Savings Comparison
Valley Direct earns $701.2 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
Valley Direct
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FNBO Direct | Valley Direct |
|---|---|---|
| High-Yield Online Savings Account | High-Yield Savings Account | |
Current APY | 3.00% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.3 | -6.2 |
Days Since Change | 64 | 71 |
4-Month High | 3.25% | 4.30% |
4-Month Low | 3.00% | 4.05% |
Adjustments / Mo | 0.22 | 0.44 |
Volatility Score | 0.040 | 0.024 |
How to read these metrics(Click to expand)
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