Jenius Bank vs. Upgrade
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | UpgradePremier Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.05% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$153 $10,000+$305 $25,000+$763 |
Min Deposit | $0 | $0 |
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. Upgrade
As of Jenius Bank offers an APY of 4.05% for its Jenius Savings account, with a minimum balance of $0, compared to Upgrade's 3.05% APY for its Premier Savings account, with a minimum balance of $1,000.
Jenius Bank pays $100 more than Upgrade on a $10,000 balance after one year. Jenius Bank pays $405, while Upgrade pays $305 - an APY advantage for Jenius Bank.
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.05%) on all balances
Why Upgrade?
- ✓Higher rated iOS app (4.9 vs 4.0)
- ✓Higher rated Android app (4.5 vs 3.6)
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $305/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $763/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
UpgradeUpgrade offers an iOS app rated 4.9 (vs. 4.0) and Android app rated 4.5 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $100 more interest on a $10,000 balance than Upgrade's Premier 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 a notable APY of 4.05%, providing better returns on both small and large deposits compared to Upgrade's Premier Savings, which has a lower APY of 3.05%. Jenius Savings requires no direct deposit and has no minimum balance requirement, making it an appealing choice for savers. In contrast, Upgrade's Premier Savings requires a minimum balance of $1,000 but also has no maintenance fees. Both accounts are online-only, catering to customers who prefer digital banking solutions.
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. Upgrade Savings Calculator
You earn $100 more with Jenius Bank than Upgrade 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
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$305.00(3.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,305.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Jenius Bank | Upgrade |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 3.05% Verified: 1/7/2026 ↘︎ 0.37%90d Change |
| Product Name | Jenius Savings | Premier Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $1,000 |
| 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 | iOS4.9 Android4.5 |
| 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 Upgrade Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | Upgrade |
|---|---|---|
| Jenius Savings | Premier Savings | |
Current APY | 4.05% | 3.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.8 | -11.1 |
Days Since Change | 50 | 67 |
11-Month High | 4.50% | 4.14% |
11-Month Low | 4.05% | 3.05% |
Adjustments / Mo | 0.17 | 0.26 |
Volatility Score | 0.029 | 0.119 |
How to read these metrics(Click to expand)
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