MutualOne Bank vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | MutualOne BankMo Premium Savings Jan 7, 2026 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.07% | 3.50% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$1,018 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $20,000 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® 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 MutualOne Bank vs. Quontic Bank
As of MutualOne Bank offers an APY of 4.07% for its Mo Premium Savings account, with a minimum balance of $20,000, compared to Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
MutualOne Bank pays $57 more than Quontic Bank on a $10,000 balance after one year. MutualOne Bank pays $407, while Quontic Bank pays $350 - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why MutualOne Bank?
- ✓Higher potential APY (4.07% vs 3.50%)
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
Why Quontic Bank?
- ✓Higher rated Android app (4.9 vs 4.4)
— Key Feature Differences —
Better Returns at $10,000
Quontic BankQuontic Bank's High Yield Savings earns more on smaller deposits (approx. $350 vs $0/yr).
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $875/yr).
Best for Simplicity
MutualOne BankMutualOne Bank's Mo Premium Savings offers 4.07% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $57 more interest on a $10,000 balance than Quontic Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
MutualOne Bank offers a competitive Mo Premium Savings account with a leading APY of 4.07%, which does not require direct deposit and has no maintenance fees, making it an attractive option for savers with a minimum deposit of $20,000. In contrast, Quontic Bank's High Yield Savings account provides a lower APY of 3.50% but allows for a much smaller minimum deposit of $100, appealing to those looking to start saving with less upfront capital. Both accounts are online-only and provide FDIC insurance.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
MutualOne Bank vs. Quontic Bank Savings Calculator
You earn $114 more with MutualOne Bank than Quontic Bank on a $20,000 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.
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$700.00(3.4%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,700.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | MutualOne Bank | Quontic Bank |
|---|---|---|
| APY | 4.07% Verified: 1/7/2026 Stable (90d) | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Mo Premium Savings | High Yield Savings |
| Minimum Deposit | $20,000 | $100 |
| Min. Balance for APY | $20,000 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.8 Android4.9 |
| Zelle® Support | Available Verified via website and app descriptions. | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site | Visit SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | MutualOne Bank | Quontic Bank | |
|---|---|---|---|
| Online Savings | Mo Premium Savings | High Yield Savings | |
Current APY | 0.40% | 4.07% | 3.50% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 | -3.1 |
Days Since Change | 114 | 114 | 8 |
4-Month High | 0.40% | 4.07% | 3.75% |
4-Month Low | 0.40% | 4.07% | 3.50% |
Adjustments / Mo | 0.00 | 0.00 | 0.26 |
Volatility Score | 0.000 | 0.000 | 0.019 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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