Jenius Bank vs. Sallie Mae Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | Sallie Mae BankHigh-Yield Savings Account 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 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo 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. Sallie Mae Bank
As of Jenius Bank offers an APY of 4.05% for its Jenius Savings account, with a minimum balance of $0, compared to Sallie Mae Bank's 3.90% APY for its High-Yield Savings Account, with a minimum balance of $0.
Jenius Bank pays $15 more than Sallie Mae Bank on a $10,000 balance after one year. Jenius Bank pays $405, while Sallie Mae Bank pays $390 - an APY advantage for Jenius Bank.
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.90%) on all balances
Why Sallie Mae Bank?
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 Sallie Mae Bank's High-Yield Savings Account.
*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 top choice between the two banks. This account is online-only, requires no minimum deposit or balance, and has no maintenance fees. In contrast, Sallie Mae Bank provides a High-Yield Savings Account with a slightly lower APY of 3.90%, also with no minimum deposit or balance requirements. Both accounts do not require direct deposit and are FDIC insured, but Jenius Bank's higher APY positions it as the better 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. Sallie Mae Bank Savings Calculator
You earn $15 more with Jenius Bank than Sallie Mae 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
Sallie Mae Bank
High-Yield Savings Account
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 | Sallie Mae Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 3.90% Verified: 1/7/2026 Stable (90d) |
| Product Name | Jenius Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $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 | iOS4.0 Android3.6 | iOS1.5 Android1.6 |
| 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 Sallie Mae Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | Sallie Mae Bank |
|---|---|---|
| Jenius Savings | High-Yield Savings Account | |
Current APY | 4.05% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.8 | -0.1 |
Days Since Change | 50 | 341 |
11-Month High | 4.50% | 4.00% |
11-Month Low | 4.05% | 3.90% |
Adjustments / Mo | 0.17 | 0.09 |
Volatility Score | 0.029 | 0.004 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Jenius Bank vs...
Comparing against Standard Savings
Compare Sallie Mae Bank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.