GO2bank vs. Valley Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
GO2bank
High Yield Savings
Up to4.50%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 0.00% – 4.50%Show Fine Print & Trends Hide Details
GO2bank
High Yield Savings
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
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. Valley Direct
Why GO2bank?
- ✓Higher potential APY (4.50% vs 4.10%) on balances up to $5,000 (requires checking bundle)
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
Valley DirectValley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $225/yr).
Better Returns at $25,000
Valley DirectValley Direct's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $225/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 $185 more interest on a $10,000 balance than GO2bank's High Yield Savings.
Executive Summary
GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, but it requires a GO2bank checking account to open and is capped at $5,000. In contrast, Valley Direct provides a High-Yield Savings Account with an APY of 4.10%, accessible to new customers without a checking account requirement or deposit cap, although existing customers may earn a lower rate of 3.50%. Both banks are online-only and have no maintenance fees, but the higher APY at GO2bank makes it the winner for those who can meet the conditions.
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 GO2bank and Valley Direct.
| Feature | GO2bank | Valley Direct |
|---|---|---|
| APY | 4.50% 0Verified: 12/6/2025 Stable (90d) | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change |
| Product Name | High Yield Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $1,000 |
| 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 | iOS4.8 Android4.5 |
| 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. | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
Savings Comparison
Valley Direct earns $1,268.5 more than GO2bank.
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$1,230.90(6.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,230.90
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 | GO2bank | Valley Direct |
|---|---|---|
| High Yield Savings | High-Yield Savings Account | |
Current APY | 4.50% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -6.4 |
Days Since Change | 121 | 71 |
4-Month High | 4.50% | 4.30% |
4-Month Low | 4.50% | 4.05% |
Adjustments / Mo | 0.00 | 0.49 |
Volatility Score | 0.000 | 0.023 |
How to read these metrics(Click to expand)
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