Peak Bank vs. Vio 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 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.99% | 4.09% |
Est. Earnings | $5,000+$200 $10,000+$399 $25,000+$998 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $100 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android App | FDIC InsuredLow MinimumsGreat iOS App |
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.
As of Peak Bank offers an APY of 3.99% for its Envision High Yield Savings account, with a minimum balance of , compared to Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
Vio Bank pays $10 more than Peak Bank on a $10,000 balance after one year. Peak Bank pays $399, while Vio Bank pays $409 - an APY advantage for Vio Bank.
Why Peak Bank?
- ✓Higher rated Android app (4.6 vs 3.4)
Why Vio Bank?
No distinct advantages found vs Peak Bank.
— Key Feature Differences —
Best Mobile App Experience
Peak BankPeak Bank offers an iOS app rated 4.8 (vs. 4.6) and Android app rated 4.6 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $10 more interest on a $10,000 balance than Peak Bank's Envision High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Vio Bank offers a competitive Online Savings Account with an APY of 4.09%, making it the highest-yielding option compared to Peak Bank's Envision High Yield Savings, which has an APY of 3.99%. Both accounts require a minimum deposit of $100 and have no maintenance fees if electronic statements are selected. Additionally, Vio Bank has a minimum balance requirement of $0, while Peak Bank does not specify a minimum balance. Both banks operate online-only and do not require direct deposit. Peak Bank, however, is noted for its superior mobile app experience, with higher ratings on both iOS and Android platforms.
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
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Peak Bank vs. Vio Bank Savings Calculator
You earn $10 more with Vio Bank than Peak 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Peak Bank | Vio Bank |
|---|---|---|
| APY | 3.99% Verified: 1/7/2026 ↘︎ 0.21%90d Change | 4.09% Verified: 1/7/2026 - |
| Product Name | Envision High Yield Savings | Online Savings Account |
| Minimum Deposit | $100 | $100 |
| Min. Balance for APY | N/A | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| 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 | iOS4.6 Android3.4 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Peak Bank Non-sponsored link to official site | Visit SiteVerify at Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Peak Bank | Vio Bank |
|---|---|---|
| Envision High Yield Savings | Online Savings Account | |
Current APY | 3.99% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | -9.0 | -2.7 |
Days Since Change | 6 | 1 |
2-Month High | 4.20% | 4.21% |
2-Month Low | 3.99% | 4.09% |
Adjustments / Mo | 1.61 | 1.07 |
Volatility Score | 0.019 | 0.005 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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