Popular Direct vs. Presidential Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Popular DirectPopular Direct Select Savings Jan 7, 2026 | Presidential BankAdvantage Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.90% | 3.25% - 3.75% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min Deposit | $100 | $5,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow Minimums | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDirect Deposit ReqChecking Bundle |
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 Popular Direct vs. Presidential Bank
As of Popular Direct offers an APY of 3.90% for its Popular Direct Select Savings account, with a minimum balance of $0.01, compared to Presidential Bank's 3.75% APY for its Advantage Savings account, with a minimum balance of N/A.
Popular Direct pays $15 more than Presidential Bank on a $10,000 balance after one year. Popular Direct pays $390, while Presidential Bank pays $375 - an APY advantage for Popular Direct.
Why Popular Direct?
- ✓Higher potential APY (3.90% vs 3.75%) on all balances
- ✓No checking account or direct deposit required
Why Presidential Bank?
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
- ✓Higher rated iOS app (4.8 vs 1.3)
- ✓Higher rated Android app (4.2 vs 1.3)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
Popular DirectPopular Direct's Popular Direct Select Savings earns more on smaller deposits (approx. $390 vs $375/yr).
Better Returns at $25,000
Popular DirectPopular Direct's Popular Direct Select Savings pulls ahead with larger amounts (approx. $975 vs $938/yr).
Best for Simplicity
Popular DirectPopular Direct's Popular Direct Select Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Presidential BankPresidential Bank offers an iOS app rated 4.8 (vs. 1.3) and Android app rated 4.2 (vs. 1.3)
Shared Benefits
Over a 1-year period, Popular Direct's Popular Direct Select Savings pays $15 more interest on a $10,000 balance than Presidential Bank's Advantage Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Popular Direct offers a competitive 3.90% APY on its Popular Direct Select Savings account, which requires a minimum deposit of $100 and has no direct deposit requirement, making it a straightforward choice for savers. In contrast, Presidential Bank's Advantage Savings account provides a slightly lower APY of 3.75%, but it requires a monthly direct deposit of $500 into an Advantage Checking Account to earn this rate, along with a higher minimum deposit of $5,000. While both banks are FDIC insured, Popular Direct's account is online-only and does not require bundling, appealing to those seeking simplicity.
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
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Top Market Contenders
Popular Direct vs. Presidential Bank Savings Calculator
You earn $15 more with Popular Direct than Presidential 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.
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Popular Direct | Presidential Bank |
|---|---|---|
| APY | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 3.75% Range: 3.25% - 3.75% Verified: 1/7/2026 ↘︎ 0.75%90d Change |
| Product Name | Popular Direct Select Savings | Advantage Savings |
| Minimum Deposit | $100 | $5,000 |
| Min. Balance for APY | $0.01 | 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 | iOS1.3 Android1.3 | iOS4.8 Android4.2 |
| Zelle® Support | Not Supported | Available Native integration; Advantage Savings supports Zelle. |
| BBB Rating | A+ | A- |
| Next Steps | Visit SiteVerify at Popular Direct Non-sponsored link to official site | Visit SiteVerify at Presidential Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Popular Direct | Presidential Bank |
|---|---|---|
| Popular Direct Select Savings | Advantage Savings | |
Current APY | 3.90% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.1 | -4.5 |
Days Since Change | 23 | 21 |
12-Month High | 4.60% | 4.50% |
12-Month Low | 3.90% | 3.75% |
Adjustments / Mo | 0.82 | 0.25 |
Volatility Score | 0.036 | 0.055 |
How to read these metrics(Click to expand)
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