Forbright Bank vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Forbright BankGrowth Savings Jan 7, 2026 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.00% | 3.50% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo 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 Forbright Bank vs. Quontic Bank
As of Forbright Bank offers an APY of 4.00% for its Growth Savings account, with a minimum balance of $0, compared to Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Forbright Bank pays $50 more than Quontic Bank on a $10,000 balance after one year. Forbright Bank pays $400, while Quontic Bank pays $350 - an APY advantage for Forbright Bank.
In addition, Forbright Bank also offers 3.65% APY for the Bright Savings account, with a minimum balance of $250,000.
Why Forbright Bank?
- ✓Higher potential APY (3.65%-4.00% vs 3.50%) on all balances
- ✓Physical branch access (Locations in the Washington D.C. area (Maryland and Virginia))
- ✓Offers 3 different high-yield savings options
Why Quontic Bank?
- ✓Higher rated Android app (4.9 vs 4.5)
— Key Feature Differences —
Better Returns at $10,000
Forbright BankForbright Bank's Growth Savings earns more on smaller deposits (approx. $400 vs $350/yr).
Better Returns at $25,000
Forbright BankForbright Bank's Growth Savings pulls ahead with larger amounts (approx. $1000 vs $875/yr).
Best for Simplicity
Forbright BankForbright Bank's Growth Savings offers 4.00% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Forbright Bank's Growth Savings pays $50 more interest on a $10,000 balance than Quontic Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Forbright Bank offers a standout Growth Savings account with a competitive 4.00% APY, making it the clear winner compared to Quontic Bank's High Yield Savings account, which provides a lower 3.50% APY. Forbright's Growth Savings requires no direct deposit and has no minimum balance or maintenance fees, making it a simple and accessible option for savers. In contrast, Quontic's account is online-only and also has no maintenance fees but requires a minimum deposit of $100. Overall, Forbright Bank's Growth Savings is the superior choice for those seeking higher returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Forbright Bank vs. Quontic Bank Savings Calculator
You earn $50 more with Forbright Bank than Quontic Bank 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.
Forbright Bank
Growth Savings
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Forbright Bank | Quontic Bank |
|---|---|---|
| APY | 4.00% Verified: 1/7/2026 Stable (90d) | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Growth Savings | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| 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 | iOS4.8 Android4.5 | iOS4.8 Android4.9 |
| Zelle® Support | Available Branch accounts only; Growth Savings online does NOT support. | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Forbright Bank Non-sponsored link to official site | Visit SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Forbright Bank | Quontic Bank | ||
|---|---|---|---|---|
| Sprout Savings | Bright Savings | Growth Savings | High Yield Savings | |
Current APY | 3.65% | 3.65% | 4.00% | 3.50% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | -3.3 | -2.7 | -1.6 |
Days Since Change | 98 | 98 | 90 | 8 |
11-Month High | 3.90% | 3.90% | 4.25% | 3.85% |
11-Month Low | 3.65% | 3.65% | 4.00% | 3.50% |
Adjustments / Mo | 0.09 | 0.09 | 0.09 | 0.17 |
Volatility Score | 0.032 | 0.032 | 0.028 | 0.019 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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