Ivy Bank vs. Vio 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 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 0.05% - 4.10% | 4.09% |
Est. Earnings | $5,000+$205 $10,000+$410 $25,000+$1,025 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $2,500 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS App | FDIC InsuredLow MinimumsGreat iOS App |
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.
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 Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
Ivy Bank pays $1 more than Vio Bank on a $10,000 balance after one year. Ivy Bank pays $410, while Vio Bank pays $409 - an APY advantage for Ivy Bank.
Why Ivy Bank?
No distinct advantages found vs Vio Bank.
Why Vio Bank?
- ✓No checking account or direct deposit required
- ✓Available Nationwide
— Key Feature Differences —
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.09% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account pays $1 more interest on a $10,000 balance than Vio Bank's Online Savings Account.
*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 online only. However, eligibility is restricted to residents of California and U.S. Territories (excluding the District of Columbia). In comparison, Vio Bank provides an Online Savings Account with a slightly lower APY of 4.09%, but it requires only a minimum deposit of $100 and has no minimum balance requirement, making it more accessible. Both accounts have no maintenance fees if certain conditions are met, and both are online-only options.
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. Vio Bank Savings Calculator
You earn $1 more with Ivy Bank than Vio 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Ivy Bank | Vio Bank |
|---|---|---|
| APY | 4.10% Range: 0.05% - 4.10% Verified: 1/7/2026 - | 4.09% Verified: 1/7/2026 - |
| Product Name | High-Yield Savings Account | Online Savings Account |
| Minimum Deposit | $2,500 | $100 |
| Min. Balance for APY | $2,500 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| 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 | iOS4.6 Android3.4 |
| 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 Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Ivy Bank | Vio Bank |
|---|---|---|
| High-Yield Savings Account | Online Savings Account | |
Current APY | 4.10% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | -11.9 | -2.6 |
Days Since Change | 22 | 1 |
2-Month High | 4.25% | 4.21% |
2-Month Low | 4.10% | 4.09% |
Adjustments / Mo | 0.55 | 1.09 |
Volatility Score | 0.018 | 0.005 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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