Popular Direct vs. Vio 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 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.90% | 4.09% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $100 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow Minimums | 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.
Comparison Analysis
Comparing Popular Direct vs. Vio 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 Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
Vio Bank pays $19 more than Popular Direct on a $10,000 balance after one year. Popular Direct pays $390, while Vio Bank pays $409 - an APY advantage for Vio Bank.
Why Popular Direct?
No distinct advantages found vs Vio Bank.
Why Vio Bank?
- ✓Higher potential APY (4.09% vs 3.90%) on all balances
- ✓Higher rated iOS app (4.6 vs 1.3)
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $409 vs $390/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1023 vs $975/yr).
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $19 more interest on a $10,000 balance than Popular Direct's Popular Direct Select 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 higher-yield option compared to Popular Direct's Select Savings account, which has an APY of 3.90%. Both accounts require a minimum deposit of $100 and have no maintenance fees, but Vio Bank's account provides better returns at various deposit levels. Both banks operate online-only and do not require direct deposit for their savings products.
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
Top Market Contenders
Popular Direct vs. Vio Bank Savings Calculator
You earn $19 more with Vio Bank than Popular Direct 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
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 | Popular Direct | Vio Bank |
|---|---|---|
| APY | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 4.09% Verified: 1/7/2026 - |
| Product Name | Popular Direct Select Savings | Online Savings Account |
| Minimum Deposit | $100 | $100 |
| Min. Balance for APY | $0.01 | $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 | iOS1.3 Android1.3 | iOS4.6 Android3.4 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Popular Direct 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 | Popular Direct | Vio Bank |
|---|---|---|
| Popular Direct Select Savings | Online Savings Account | |
Current APY | 3.90% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.1 | -2.6 |
Days Since Change | 23 | 1 |
2-Month High | 4.00% | 4.21% |
2-Month Low | 3.90% | 4.09% |
Adjustments / Mo | 0.55 | 1.09 |
Volatility Score | 0.013 | 0.005 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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