High-Yield Savings Account Comparison

Peak Bank vs. Presidential Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl

Updated December 6, 2025

Advertising Disclosure: We may earn a commission from partner links.

Peak Bank

Envision High Yield Savings

4.20%

APY

Dec 6, 2025

FDIC InsuredLow MinimumsGreat iOS AppGreat Android App

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58095)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.6
BBB Rating	A+(Not BBB Accredited)

Rate Stability

Rate Adjusted

-0.15%

Since 90 days ago

Read Bank Overview

Presidential Bank

Advantage Savings

Up to

4.00%

APY

Dec 6, 2025

FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person Access

Range: 3.50% – 4.00%

Show Fine Print & Trends

Min. Deposit	$5,000
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Required (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access	10 locations in Maryland, Virginia and Washington D.C.
Deposit Insurance	FDIC Insured(Cert: 32363)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.1
BBB Rating	A-(Not BBB Accredited)

Rate Stability

30 days

↘︎ 0.25%

90 days

↘︎ 0.50%

Read Bank Overview

Comparison Analysis

Comparing Peak Bank vs. Presidential Bank

Updated: Dec 6, 2025

Why Peak Bank?

✓Higher potential APY (4.20% vs 4.00%) on all balances
✓No checking account or direct deposit required
✓Higher rated Android app (4.6 vs 4.1)

Why Presidential Bank?

✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)

— Key Feature Differences —

Better Returns at $10,000

Peak Bank

Peak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $420 vs $400/yr).

Better Returns at $25,000

Peak Bank

Peak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $1050 vs $1000/yr).

Best for Simplicity

Peak Bank

Peak Bank's Envision High Yield Savings offers 4.20% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers

The Bottom Line

Over a 1-year period, Peak Bank's Envision High Yield Savings pays $20 more interest on a $10,000 balance than Presidential Bank's Advantage Savings.

Presidential BankPeak Bank

Automated Data Audit

Executive Summary

Peak Bank offers a competitive Envision High Yield Savings account with an APY of 4.20%, which does not require a direct deposit or any bundling, making it straightforward for customers. In contrast, Presidential Bank's Advantage Savings account provides a slightly lower APY of 4.00%, but to qualify for this rate, customers must have a monthly direct deposit of $500 into an Advantage Checking Account. Both banks have no maintenance fees and are FDIC insured, but Peak Bank's product stands out for its simplicity and higher yield.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExplorePeak Bank ExplorePresidential Bank

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See who beats both Peak Bank and Presidential Bank.

Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.40% vs Peak Bank

Better Rate

Pibank vs Peak Bank Pibank vs Presidential Bank

Neighbors Bank

Neighbors Savings Account

FDIC InsuredNo MinimumsGreat Android App

4.50% APY

+0.30% vs Peak Bank

Better Rate

Neighbors Bank vs Peak Bank Neighbors Bank vs Presidential Bank

Axos Bank

Axos ONE

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

4.31% APY

+0.11% vs Peak Bank

Better Rate

Axos Bank vs Peak Bank Axos Bank vs Presidential Bank

Feature	Peak Bank	Presidential Bank
APY	4.20% Verified: 12/6/2025 ↘︎ 0.15%90d Change	4.00% Range: 3.50% - 4.00% Verified: 12/6/2025 ↘︎ 0.50%90d Change
Product Name	Envision High Yield Savings	Advantage Savings
Minimum Deposit	$100	$5,000
Min. Balance for APY	N/A	N/A
Monthly Fee	$0	$0
Branch Access	None	Yes
Account Type	Online Only	Online & Branches
Direct Deposit Req.	None	RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
Checking Bundle	No	Yes
Mobile Apps	iOS4.8 Android4.6	iOS4.8 Android4.1
BBB Rating	A+	A-
Next Steps	- View Details	- View Details

Savings Comparison

Calculations based on current APY.

Initial Deposit

Recurring Deposit

Frequency

Duration

Peak Bank earns $129.6 more than Presidential Bank.

Peak Bank

Envision High Yield Savings

4.20% APY

Savings Breakdown

Interest Earned
+$2,564.30(12.5%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,564.30

Effective APY

4.20%

View Details

Presidential Bank

Advantage Savings

4.00% APY

Savings Breakdown

Interest Earned
+$2,434.70(11.9%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,434.70

Effective APY

4.00%

View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis

Metric	Peak Bank	Presidential Bank
	Envision High Yield Savings	Advantage Savings
Current APYMost recent advertised annual-percentage yield.	4.20%	4.00%
TrendDirection over the last 10 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-3.7	-2.6
Days Since ChangeRecency of the latest APY adjustment.	66	15
10-Month HighHighest APY in the last 295 days.	4.54%	4.50%
10-Month LowLowest APY in the last 295 days.	4.20%	4.00%
Adjustments / MoTypical number of APY moves per month.	0.41	0.20
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.028	0.032

How to read these metrics(Click to expand)

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 295-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

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Comparing against other Bundled Accounts

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Axos BankChecking Bundle

4.31%

APY

vs Presidential Bank

SoFi BankChecking Bundle

4.30%

APY

vs Presidential Bank

UFB DirectChecking Bundle

3.71%

APY

More Comparisons

Compare Peak Bank's APY of 4.20% with other banks

Bank Pair	Competitor APY	Min Deposit
Peak Bank vs Ally Bank	3.30%	$0
Peak Bank vs American Express	3.40%	$0
Peak Bank vs Axos Bank	4.31%	$0
Peak Bank vs Bank of America	0.01%	$100
Peak Bank vs Barclays	4.00%	$0
Peak Bank vs Bask Bank	3.90%	$0
Peak Bank vs BMO Alto	3.25%	$0
Peak Bank vs BrioDirect	4.00%	$5,000
Peak Bank vs Capital One	3.40%	$0
Peak Bank vs Chase Bank	0.01%	$0
Peak Bank vs Chime	3.50%	$0
Peak Bank vs CIT Bank	3.75%	$100
Peak Bank vs Citibank	3.30%	$0
Peak Bank vs Citizens Access™	3.35%	$0.01
Peak Bank vs Climate First Bank	4.21%	$50
Peak Bank vs Discover Bank	3.40%	$0
Peak Bank vs Elevault	4.08%	$0
Peak Bank vs EverBank	4.05%	$0
Peak Bank vs Fitness Bank	4.75%	$100
Peak Bank vs FNBO Direct	3.00%	$1
Peak Bank vs Forbright Bank	4.00%	$0
Peak Bank vs FVCbank	3.85%	$500
Peak Bank vs GO2bank	4.50%	$0
Peak Bank vs Ivy Bank	4.25%	$2,500
Peak Bank vs LendingClub	4.20%	$0
Peak Bank vs Marcus by Goldman Sachs	3.65%	$0
Peak Bank vs Neighbors Bank	4.50%	$0
Peak Bank vs Newtek Bank	4.35%	$0.01
Peak Bank vs Openbank	4.20%	$500
Peak Bank vs Pibank	4.60%	$0
Peak Bank vs PNC	3.53%	$0
Peak Bank vs Quontic Bank	3.75%	$100
Peak Bank vs Salem Five Direct	3.71%	$10
Peak Bank vs Santander Bank	0.01%	$25
Peak Bank vs SoFi Bank	4.30%	$0
Peak Bank vs Synchrony Bank	3.65%	$0
Peak Bank vs TIMBR	4.40%	$1,000
Peak Bank vs UFB Direct	3.71%	$5000
Peak Bank vs Valley Direct	4.10%	$1,000
Peak Bank vs Varo Bank	5.00%	$0
Peak Bank vs Vio Bank	4.16%	$100
Peak Bank vs Wealthfront	4.15%	$0
Peak Bank vs Wells Fargo	0.05%	$25
Peak Bank vs Zynlo Bank	4.05%	$10

Compare Presidential Bank's APY of 4.00% with other banks

Bank Pair	Competitor APY	Min Deposit
Presidential Bank vs Ally Bank	3.30%	$0
Presidential Bank vs American Express	3.40%	$0
Presidential Bank vs Axos Bank	4.31%	$0
Presidential Bank vs Bank of America	0.01%	$100
Presidential Bank vs Barclays	4.00%	$0
Presidential Bank vs Bask Bank	3.90%	$0
Presidential Bank vs BMO Alto	3.25%	$0
Presidential Bank vs BrioDirect	4.00%	$5,000
Presidential Bank vs Capital One	3.40%	$0
Presidential Bank vs Chase Bank	0.01%	$0
Presidential Bank vs Chime	3.50%	$0
Presidential Bank vs CIT Bank	3.75%	$100
Presidential Bank vs Citibank	3.30%	$0
Presidential Bank vs Citizens Access™	3.35%	$0.01
Presidential Bank vs Climate First Bank	4.21%	$50
Presidential Bank vs Discover Bank	3.40%	$0
Presidential Bank vs Elevault	4.08%	$0
Presidential Bank vs EverBank	4.05%	$0
Presidential Bank vs Fitness Bank	4.75%	$100
Presidential Bank vs FNBO Direct	3.00%	$1
Presidential Bank vs Forbright Bank	4.00%	$0
Presidential Bank vs FVCbank	3.85%	$500
Presidential Bank vs GO2bank	4.50%	$0
Presidential Bank vs Ivy Bank	4.25%	$2,500
Presidential Bank vs LendingClub	4.20%	$0
Presidential Bank vs Marcus by Goldman Sachs	3.65%	$0
Presidential Bank vs Neighbors Bank	4.50%	$0
Presidential Bank vs Newtek Bank	4.35%	$0.01
Presidential Bank vs Openbank	4.20%	$500
Presidential Bank vs Pibank	4.60%	$0
Presidential Bank vs PNC	3.53%	$0
Presidential Bank vs Quontic Bank	3.75%	$100
Presidential Bank vs Salem Five Direct	3.71%	$10
Presidential Bank vs Santander Bank	0.01%	$25
Presidential Bank vs SoFi Bank	4.30%	$0
Presidential Bank vs Synchrony Bank	3.65%	$0
Presidential Bank vs TIMBR	4.40%	$1,000
Presidential Bank vs UFB Direct	3.71%	$5000
Presidential Bank vs Valley Direct	4.10%	$1,000
Presidential Bank vs Varo Bank	5.00%	$0
Presidential Bank vs Vio Bank	4.16%	$100
Presidential Bank vs Wealthfront	4.15%	$0
Presidential Bank vs Wells Fargo	0.05%	$25
Presidential Bank vs Zynlo Bank	4.05%	$10