Jenius Bank vs. Valley Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | Valley DirectHigh-Yield Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.40% - 4.00% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$200 $10,000+$400 $25,000+$1,000 |
Min Deposit | $0 | $1,000 |
Snapshot view. Rates subject to change. | ||
Terms | - | Promo rate for new customers. 3.40% APY applies to existing customers. |
| Features | FDIC InsuredNo Minimums | FDIC InsuredLow MinimumsGreat 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. Valley Direct
As of Jenius Bank offers an APY of 4.05% for its Jenius Savings account, with a minimum balance of $0, compared to Valley Direct's 4.00% APY for its High-Yield Savings Account, with a minimum balance of $0.01.
Jenius Bank pays $5 more than Valley Direct on a $10,000 balance after one year. Jenius Bank pays $405, while Valley Direct pays $400 - an APY advantage for Jenius Bank.
Why Jenius Bank?
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.6 vs 3.6)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Best Mobile App Experience
Valley DirectValley Direct 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 $5 more interest on a $10,000 balance than Valley Direct's High-Yield Savings Account.
*This comparison accounts for Valley Direct's introductory promotional rate, yet Jenius Bank's standard rate still yields a higher 1-year return.
Executive Summary as of
Jenius Bank offers a competitive Jenius Savings account with an APY of 4.05%, making it the highest-yielding option between the two banks. This account has no minimum deposit or balance requirements and is online-only, providing easy access for savers. In comparison, Valley Direct's High-Yield Savings Account offers an APY of 4.00%, which is slightly lower, and is available to new customers with a minimum deposit of $1,000. Existing customers receive a lower rate of 3.40%. Valley Direct also boasts an excellent mobile app experience, rated highly on both iOS and Android. Overall, Jenius Bank is the winner based on the provided data.
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. Valley Direct Savings Calculator
You earn $5 more with Jenius Bank than Valley 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
Valley Direct
High-Yield Savings Account
Promo Rate: 4.00% for 12 months, then 3.40%.
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Jenius Bank | Valley Direct |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 4.00% Range: 3.40% - 4.00% Verified: 1/7/2026 ↘︎ 0.10%90d Change |
| Product Name | Jenius Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0 | $0.01 |
| 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 | iOS4.8 Android4.6 |
| Zelle® Support | Not Supported | Available Allows Zelle directly on HYSA. |
| BBB Rating | A+ | A+ |
| Important Notes | - | Promo rate for new customers. 3.40% APY applies to existing customers. |
| Next Steps | Visit SiteVerify at Jenius Bank Non-sponsored link to official site | Visit SiteVerify at Valley Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | Valley Direct |
|---|---|---|
| Jenius Savings | High-Yield Savings Account | |
Current APY | 4.05% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.8 | -0.0 |
Days Since Change | 50 | 26 |
11-Month High | 4.50% | 4.40% |
11-Month Low | 4.05% | 3.75% |
Adjustments / Mo | 0.17 | 0.69 |
Volatility Score | 0.029 | 0.043 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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