GO2bank vs. Popular Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | GO2bankHigh Yield Savings Jan 7, 2026 | Popular DirectPopular Direct Select Savings Jan 7, 2026 |
|---|---|---|
| APY | 0.00% - 4.50% | 3.90% |
Est. Earnings | $5,000+$225 $10,000+$225 $25,000+$225 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking Bundle | FDIC InsuredLow Minimums |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing GO2bank vs. Popular Direct
As of GO2bank offers an APY of 4.50% for its High Yield Savings account, with a minimum balance of $0, compared to Popular Direct's 3.90% APY for its Popular Direct Select Savings account, with a minimum balance of $0.01.
Popular Direct pays $165 more than GO2bank on a $10,000 balance after one year. GO2bank pays $225 (with an effective APY of 2.25%), while Popular Direct pays $390 - an APY advantage for Popular Direct.
Why GO2bank?
- ✓Higher potential APY (4.50% vs 3.90%) on balances up to $5,000 (requires checking bundle)
- ✓Higher rated iOS app (4.8 vs 1.3)
- ✓Higher rated Android app (4.5 vs 1.3)
Why Popular Direct?
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
Popular DirectPopular Direct's Popular Direct Select Savings earns more on smaller deposits (approx. $390 vs $225/yr).
Better Returns at $25,000
Popular DirectPopular Direct's Popular Direct Select Savings pulls ahead with larger amounts (approx. $975 vs $225/yr).
Best for Simplicity
Popular DirectPopular Direct's Popular Direct Select Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
GO2bankGO2bank offers an iOS app rated 4.8 (vs. 1.3) and Android app rated 4.5 (vs. 1.3)
Shared Benefits
Over a 1-year period, Popular Direct's Popular Direct Select Savings pays $165 more interest on a $10,000 balance than GO2bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, applicable on balances up to $5,000, though a GO2bank checking account is required to open this savings account. In contrast, Popular Direct provides a Select Savings account with a slightly lower APY of 3.90%, but it has no minimum balance requirements, maintenance fees, or direct deposit stipulations, making it simpler to manage. Both banks operate online only, with GO2bank's app experience rated highly, while Popular Direct is noted for better returns on larger deposits.
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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GO2bank vs. Popular Direct Savings Calculator
You earn $165 more with Popular Direct than GO2bank 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.
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$225.00(2.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,225.00
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | GO2bank | Popular Direct |
|---|---|---|
| APY | 4.50% 0Verified: 1/7/2026 Stable (90d) | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | High Yield Savings | Popular Direct Select Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $5 per month, unless you set up direct deposit | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.8 Android4.5 | iOS1.3 Android1.3 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | Not Rated | A+ |
| Important Notes | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. | - |
| Next Steps | Visit SiteVerify at GO2bank Non-sponsored link to official site | Visit SiteVerify at Popular Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | GO2bank | Popular Direct |
|---|---|---|
| High Yield Savings | Popular Direct Select Savings | |
Current APY | 4.50% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -3.9 |
Days Since Change | 153 | 23 |
5-Month High | 4.50% | 4.10% |
5-Month Low | 4.50% | 3.90% |
Adjustments / Mo | 0.00 | 0.78 |
Volatility Score | 0.000 | 0.017 |
How to read these metrics(Click to expand)
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