Jenius Bank vs. Peak Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | Peak BankEnvision High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.99% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$200 $10,000+$399 $25,000+$998 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredLow MinimumsGreat iOS AppGreat Android 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.
Comparison Analysis
Comparing Jenius Bank vs. Peak Bank
As of Jenius Bank offers an APY of 4.05% for its Jenius Savings account, with a minimum balance of $0, compared to Peak Bank's 3.99% APY for its Envision High Yield Savings account, with a minimum balance of .
Jenius Bank pays $6 more than Peak Bank on a $10,000 balance after one year. Jenius Bank pays $405, while Peak Bank pays $399 - an APY advantage for Jenius Bank.
Why Jenius Bank?
No distinct advantages found vs Peak Bank.
Why Peak Bank?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.6 vs 3.6)
— Key Feature Differences —
Best Mobile App Experience
Peak BankPeak Bank offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.6 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $6 more interest on a $10,000 balance than Peak Bank's Envision High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Jenius Bank offers the Jenius Savings account with a competitive APY of 4.05%, making it the highest-yielding option between the two banks. This account requires no minimum deposit or balance, and there are no maintenance fees, with interest compounded daily. In contrast, Peak Bank's Envision High Yield Savings account provides a slightly lower APY of 3.99% and requires a minimum deposit of $100. Both accounts are online-only and do not require direct deposit. Notably, Peak Bank is recognized for its superior mobile app experience, with higher ratings on both iOS and Android platforms.
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
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Jenius Bank vs. Peak Bank Savings Calculator
You earn $6 more with Jenius Bank than Peak 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.
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$399.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,399.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Jenius Bank | Peak Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 3.99% Verified: 1/7/2026 ↘︎ 0.21%90d Change |
| Product Name | Jenius Savings | Envision High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | N/A |
| 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 | iOS4.0 Android3.6 | iOS4.8 Android4.6 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Jenius Bank Non-sponsored link to official site | Visit SiteVerify at Peak Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | Peak Bank |
|---|---|---|
| Jenius Savings | Envision High Yield Savings | |
Current APY | 4.05% | 3.99% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.3 | -4.0 |
Days Since Change | 50 | 6 |
11-Month High | 4.50% | 4.54% |
11-Month Low | 4.05% | 3.99% |
Adjustments / Mo | 0.18 | 0.64 |
Volatility Score | 0.025 | 0.033 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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