Peak Bank vs. Valley Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Peak Bank
Envision High Yield Savings
4.20%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Peak Bank
Envision High Yield Savings
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Peak Bank vs. Valley Direct
Why Peak Bank?
- ✓Higher potential APY (4.20% vs 4.10%) on all balances
- ✓Available to New & Existing Customers
Why Valley Direct?
No distinct advantages found vs Peak Bank.
— Key Feature Differences —
Better Returns at $10,000
Peak BankPeak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $420 vs $410/yr).
Better Returns at $25,000
Peak BankPeak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $1050 vs $1025/yr).
Shared Benefits
Over a 1-year period, Peak Bank's Envision High Yield Savings pays $10 more interest on a $10,000 balance than Valley Direct's High-Yield Savings Account.
Executive Summary
Peak Bank offers the Envision High Yield Savings account with a competitive APY of 4.20%, making it the winner for higher returns compared to Valley Direct's High-Yield Savings Account, which has an APY of 4.10%. Both accounts are online-only and have no maintenance fees, but Peak Bank requires a minimum deposit of $100, while Valley Direct requires $1,000. Additionally, the Valley Direct account's advertised rate is limited to new customers, as existing customers receive a lower rate of 3.50%. Therefore, for those looking for the best yield on savings, Peak Bank is the preferable option.
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.
Top Market Contenders
See who beats both Peak Bank and Valley Direct.
| Feature | Peak Bank | Valley Direct |
|---|---|---|
| APY | 4.20% Verified: 12/6/2025 ↘︎ 0.15%90d Change | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change |
| Product Name | Envision High Yield Savings | High-Yield Savings Account |
| Minimum Deposit | $100 | $1,000 |
| Min. Balance for APY | N/A | $0.01 |
| 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 Android4.5 |
| BBB Rating | A+ | A+ |
| Important Notes | - | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
Savings Comparison
Peak Bank earns $64.9 more than Valley Direct.
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$2,564.30(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,564.30
Valley Direct
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Peak Bank | Valley Direct |
|---|---|---|
| Envision High Yield Savings | High-Yield Savings Account | |
Current APY | 4.20% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.7 | -0.7 |
Days Since Change | 66 | 71 |
10-Month High | 4.54% | 4.40% |
10-Month Low | 4.20% | 3.75% |
Adjustments / Mo | 0.41 | 0.71 |
Volatility Score | 0.028 | 0.035 |
How to read these metrics(Click to expand)
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