Popular Direct vs. Quontic 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 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.90% | 3.50% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $100 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow Minimums | 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 Popular Direct vs. Quontic 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 Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Popular Direct pays $40 more than Quontic Bank on a $10,000 balance after one year. Popular Direct pays $390, while Quontic Bank pays $350 - an APY advantage for Popular Direct.
Why Popular Direct?
- ✓Higher potential APY (3.90% vs 3.50%) on all balances
Why Quontic Bank?
- ✓Higher rated iOS app (4.8 vs 1.3)
- ✓Higher rated Android app (4.9 vs 1.3)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Popular DirectPopular Direct's Popular Direct Select Savings earns more on smaller deposits (approx. $390 vs $350/yr).
Better Returns at $25,000
Popular DirectPopular Direct's Popular Direct Select Savings pulls ahead with larger amounts (approx. $975 vs $875/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
Quontic BankQuontic Bank offers an iOS app rated 4.8 (vs. 1.3) and Android app rated 4.9 (vs. 1.3)
Shared Benefits
Over a 1-year period, Popular Direct's Popular Direct Select Savings pays $40 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
Popular Direct offers a competitive savings option with its Popular Direct Select Savings account, featuring an APY of 3.90%. This account stands out for its simplicity, requiring no direct deposit and no maintenance fees, making it accessible with a minimum deposit of just $100. In contrast, Quontic Bank's High Yield Savings account provides a lower APY of 3.50%, also with no direct deposit requirement and similar terms. Both accounts are online-only, but Popular Direct's higher yield makes it the preferable choice for savers looking to maximize their returns.
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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Top Market Contenders
Popular Direct vs. Quontic Bank Savings Calculator
You earn $40 more with Popular Direct 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.
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
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 | Popular Direct | Quontic Bank |
|---|---|---|
| APY | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Popular Direct Select Savings | High Yield Savings |
| Minimum Deposit | $100 | $100 |
| Min. Balance for APY | $0.01 | $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 | iOS1.3 Android1.3 | 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 Popular Direct Non-sponsored link to official site | Visit SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Popular Direct | Quontic Bank |
|---|---|---|
| Popular Direct Select Savings | High Yield Savings | |
Current APY | 3.90% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.6 | -1.6 |
Days Since Change | 23 | 8 |
11-Month High | 4.50% | 3.85% |
11-Month Low | 3.90% | 3.50% |
Adjustments / Mo | 0.77 | 0.17 |
Volatility Score | 0.030 | 0.019 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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