Peak Bank vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Peak BankEnvision High Yield Savings Jan 7, 2026 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.99% | 3.50% |
Est. Earnings | $5,000+$200 $10,000+$399 $25,000+$998 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $100 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android App | 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 Peak Bank vs. Quontic Bank
As of Peak Bank offers an APY of 3.99% for its Envision High Yield Savings account, with a minimum balance of , compared to Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Peak Bank pays $49 more than Quontic Bank on a $10,000 balance after one year. Peak Bank pays $399, while Quontic Bank pays $350 - an APY advantage for Peak Bank.
Why Peak Bank?
- ✓Higher potential APY (3.99% vs 3.50%) on all balances
Why Quontic Bank?
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Peak BankPeak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $399 vs $350/yr).
Better Returns at $25,000
Peak BankPeak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $998 vs $875/yr).
Best for Simplicity
Peak BankPeak Bank's Envision High Yield Savings offers 3.99% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Peak Bank's Envision High Yield Savings pays $49 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
Peak Bank offers the Envision High Yield Savings account with a competitive APY of 3.99%, making it the clear winner compared to Quontic Bank's High Yield Savings account at 3.50%. Both accounts require a minimum deposit of $100 and do not charge maintenance fees, but Peak Bank provides better returns on both smaller and larger deposits. Additionally, there are no direct deposit requirements for either bank. Both accounts are online-only, providing convenient access without the need for physical branches.
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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Peak Bank vs. Quontic Bank Savings Calculator
You earn $49 more with Peak Bank than Quontic 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.
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$399.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,399.00
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Peak Bank | Quontic Bank |
|---|---|---|
| APY | 3.99% Verified: 1/7/2026 ↘︎ 0.21%90d Change | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Envision High Yield Savings | High Yield Savings |
| Minimum Deposit | $100 | $100 |
| Min. Balance for APY | N/A | $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 | iOS4.8 Android4.6 | iOS4.8 Android4.9 |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Peak 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 | Peak Bank | Quontic Bank |
|---|---|---|
| Envision High Yield Savings | High Yield Savings | |
Current APY | 3.99% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.0 | -1.7 |
Days Since Change | 6 | 8 |
11-Month High | 4.54% | 3.85% |
11-Month Low | 3.99% | 3.50% |
Adjustments / Mo | 0.64 | 0.18 |
Volatility Score | 0.033 | 0.019 |
How to read these metrics(Click to expand)
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