Jenius Bank vs. MutualOne Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | MutualOne BankMo Premium Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 4.07% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$0 $10,000+$0 $25,000+$1,018 |
Min Deposit | $0 | $20,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® 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 Jenius Bank vs. MutualOne Bank
As of Jenius Bank offers an APY of 4.05% for its Jenius Savings account, with a minimum balance of $0, compared to MutualOne Bank's 4.07% APY for its Mo Premium Savings account, with a minimum balance of $20,000.
MutualOne Bank pays $2 more than Jenius Bank on a $10,000 balance after one year. Jenius Bank pays $405, while MutualOne Bank pays $407 - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why Jenius Bank?
No distinct advantages found vs MutualOne Bank.
Why MutualOne Bank?
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
- ✓Higher rated iOS app (4.9 vs 4.0)
- ✓Higher rated Android app (4.4 vs 3.6)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $0/yr).
Best Mobile App Experience
MutualOne BankMutualOne Bank offers an iOS app rated 4.9 (vs. 4.0) and Android app rated 4.4 (vs. 3.6)
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $2 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
Jenius Bank offers a competitive Jenius Savings account with an APY of 4.05%, making it an attractive option for savers, especially since it requires no minimum deposit and has no maintenance fees. In contrast, MutualOne Bank's Mo Premium Savings account provides a slightly higher APY of 4.07%, but it requires a substantial minimum deposit of $20,000. Additionally, MutualOne Bank offers an Online Savings account with a significantly lower APY of 0.40% for deposits up to $1,000,000.01. Both banks do not require direct deposit, but Jenius Bank operates online-only, while MutualOne Bank has physical branch access.
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
Jenius Bank vs. MutualOne Bank Savings Calculator
You earn $4 more with MutualOne Bank than Jenius Bank on a $20,000 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.
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$810.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,810.00
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Jenius Bank | MutualOne Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 4.07% Verified: 1/7/2026 Stable (90d) |
| Product Name | Jenius Savings | Mo Premium Savings |
| Minimum Deposit | $0 | $20,000 |
| Min. Balance for APY | $0 | $20,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.0 Android3.6 | iOS4.9 Android4.4 |
| Zelle® Support | Not Supported | Available Verified via website and app descriptions. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Jenius Bank Non-sponsored link to official site | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | MutualOne Bank | |
|---|---|---|---|
| Jenius Savings | Online Savings | Mo Premium Savings | |
Current APY | 4.05% | 0.40% | 4.07% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.9 | 0.0 | -0.0 |
Days Since Change | 50 | 114 | 114 |
4-Month High | 4.20% | 0.40% | 4.07% |
4-Month Low | 4.05% | 0.40% | 4.07% |
Adjustments / Mo | 0.26 | 0.00 | 0.00 |
Volatility Score | 0.018 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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