Ivy Bank vs. Quontic 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 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 0.05% - 4.10% | 3.50% |
Est. Earnings | $5,000+$205 $10,000+$410 $25,000+$1,025 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $2,500 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS App | 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 Ivy Bank vs. Quontic 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 Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Ivy Bank pays $60 more than Quontic Bank on a $10,000 balance after one year. Ivy Bank pays $410, while Quontic Bank pays $350 - an APY advantage for Ivy Bank.
Why Ivy Bank?
- ✓Higher potential APY (4.10% vs 3.50%) on all balances
Why Quontic Bank?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.9 vs 3.5)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Ivy BankIvy Bank's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $350/yr).
Better Returns at $25,000
Ivy BankIvy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $875/yr).
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.50% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Quontic BankQuontic Bank offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.9 (vs. 3.5)
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account pays $60 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
Ivy Bank offers a High-Yield Savings Account with a competitive APY of 4.10%, significantly higher than Quontic Bank's High Yield Savings at 3.50%. Ivy Bank's account requires a minimum deposit of $2,500 and is available only to residents of California and U.S. Territories (excluding the District of Columbia). In contrast, Quontic Bank has a lower minimum deposit of $100 and no eligibility restrictions, making it more accessible. Both accounts are online-only and have no maintenance fees, with Ivy Bank's account providing better returns, especially for 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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Ivy Bank vs. Quontic Bank Savings Calculator
You earn $60 more with Ivy 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.
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
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 | Ivy Bank | Quontic Bank |
|---|---|---|
| APY | 4.10% Range: 0.05% - 4.10% Verified: 1/7/2026 - | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | High-Yield Savings Account | High Yield Savings |
| Minimum Deposit | $2,500 | $100 |
| 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 | iOS4.8 Android4.9 |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Ivy 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 | Ivy Bank | Quontic Bank |
|---|---|---|
| High-Yield Savings Account | High Yield Savings | |
Current APY | 4.10% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -11.9 | -11.2 |
Days Since Change | 22 | 8 |
2-Month High | 4.25% | 3.75% |
2-Month Low | 4.10% | 3.50% |
Adjustments / Mo | 0.55 | 0.55 |
Volatility Score | 0.018 | 0.025 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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