Jenius Bank vs. Popular Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | Popular DirectPopular Direct Select Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.90% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredLow 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 Jenius Bank vs. Popular Direct
As of Jenius Bank offers an APY of 4.05% for its Jenius Savings account, with a minimum balance of $0, compared to Popular Direct's 3.90% APY for its Popular Direct Select Savings account, with a minimum balance of $0.01.
Jenius Bank pays $15 more than Popular Direct on a $10,000 balance after one year. Jenius Bank pays $405, while Popular Direct pays $390 - an APY advantage for Jenius Bank.
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.90%) on all balances
Why Popular Direct?
No distinct advantages found vs Jenius Bank.
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $390/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $975/yr).
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $15 more interest on a $10,000 balance than Popular Direct's Popular Direct Select 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 the winner in this comparison. This account has no minimum deposit or balance requirements, and it compounds daily, providing attractive returns even on smaller deposits. In contrast, Popular Direct's Select Savings account yields an APY of 3.90%, which is slightly lower. While both accounts are online-only and have no maintenance fees, Jenius Bank's higher APY positions it as the more favorable option for savers.
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. Popular Direct Savings Calculator
You earn $15 more with Jenius Bank than Popular Direct 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
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Jenius Bank | Popular Direct |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Jenius Savings | Popular Direct Select Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0.01 |
| 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 | iOS1.3 Android1.3 |
| 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 Popular Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | Popular Direct |
|---|---|---|
| Jenius Savings | Popular Direct Select Savings | |
Current APY | 4.05% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.8 | -2.6 |
Days Since Change | 50 | 23 |
11-Month High | 4.50% | 4.50% |
11-Month Low | 4.05% | 3.90% |
Adjustments / Mo | 0.17 | 0.77 |
Volatility Score | 0.029 | 0.030 |
How to read these metrics(Click to expand)
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