Ivy Bank vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Ivy BankHigh-Yield Savings Account Jan 7, 2026 | Jenius BankJenius Savings Jan 7, 2026 |
|---|---|---|
| APY | 0.05% - 4.10% | 4.05% |
Est. Earnings | $5,000+$205 $10,000+$410 $25,000+$1,025 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $2,500 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS App | FDIC InsuredNo Minimums |
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 Ivy Bank vs. Jenius Bank
As of Ivy Bank offers an APY of 4.10% for its High-Yield Savings Account, with a minimum balance of $2,500, compared to Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Ivy Bank pays $5 more than Jenius Bank on a $10,000 balance after one year. Ivy Bank pays $410, while Jenius Bank pays $405 - an APY advantage for Ivy Bank.
Why Ivy Bank?
- ✓Higher rated iOS app (4.7 vs 4.0)
Why Jenius Bank?
- ✓No checking account or direct deposit required
- ✓Available Nationwide
— Key Feature Differences —
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account pays $5 more interest on a $10,000 balance than Jenius Bank's Jenius Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Ivy Bank offers a High-Yield Savings Account with a competitive APY of 4.10%, requiring a minimum deposit and balance of $2,500, and is available only to residents of California and U.S. Territories (except the District of Columbia). In comparison, Jenius Bank provides the Jenius Savings account with an APY of 4.05%, which has no minimum deposit or balance requirements, making it a simpler option for savers. Both accounts are online-only and have no maintenance fees, but Ivy Bank's account has a slightly higher APY.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Ivy Bank vs. Jenius Bank Savings Calculator
You earn $5 more with Ivy Bank than Jenius 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.
Ivy Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Ivy Bank | Jenius Bank |
|---|---|---|
| APY | 4.10% Range: 0.05% - 4.10% Verified: 1/7/2026 - | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | High-Yield Savings Account | Jenius Savings |
| Minimum Deposit | $2,500 | $0 |
| Min. Balance for APY | $2,500 | $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 | iOS4.7 Android3.5 | iOS4.0 Android3.6 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Ivy Bank Non-sponsored link to official site | Visit SiteVerify at Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Ivy Bank | Jenius Bank |
|---|---|---|
| High-Yield Savings Account | Jenius Savings | |
Current APY | 4.10% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -11.9 | -3.3 |
Days Since Change | 22 | 50 |
2-Month High | 4.25% | 4.20% |
2-Month Low | 4.10% | 4.05% |
Adjustments / Mo | 0.55 | 0.55 |
Volatility Score | 0.018 | 0.010 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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