Presidential Bank vs. Quontic Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Presidential Bank vs. Quontic Bank
Key Metrics at a Glance
| Feature | Presidential Bank | Quontic Bank |
|---|---|---|
| Top Savings APY | 4.25% Advantage Savings | 3.75% High Yield Savings |
| Minimum to Open | $5,000 | $100 |
| Minimum Balance for Top APY | N/A | $0 |
Presidential Bank
Strengths
- Presidential Bank offers a higher APY of 4.25% compared to Quontic Bank's 3.75%.
- Presidential Bank has 10 branches in Maryland, Virginia, and Washington D.C.
- Presidential Bank's App Store rating is 4.8, equal to Quontic Bank.
Potential Drawbacks
- Presidential Bank requires a monthly direct deposit of $500 to earn the higher APY.
- Presidential Bank's APY decreased from 4.50% in the last 30 days.
Quontic Bank
Strengths
- Quontic Bank has a higher Google Play rating of 4.8 compared to Presidential Bank's 4.1.
- Quontic Bank has no direct deposit requirement for its High Yield Savings account.
Potential Drawbacks
- Quontic Bank's APY is lower at 3.75% compared to Presidential Bank's 4.25%.
- Quontic Bank has no physical branches for banking.
→ As of November 12, 2025 Presidential Bank offers an APY of 4.25% for its Advantage Savings account, with a minimum balance of N/A, compared to Quontic Bank's 3.75% APY for its High Yield Savings account, with a minimum balance of $0.
→ Presidential Bank yields $50 more than Quontic Bank on a $10,000 balance after one year. Presidential Bank pays $425, while Quontic Bank pays $375 - an APY advantage for Presidential Bank.
Calculate Savings Growth for Presidential Bank vs Quontic Bank
Presidential Bank - Advantage Savings
Total savings breakdown:
- Interest earned: $2,596.8 (12.61%)
- Total contributions: $13,000 (63.12%)
- Initial deposit: $5,000 (24.28%)
Your total balance
$20,596.80
Total balance: $20,596.8
Earnings: $2,596.8
Bank OverviewQuontic Bank - High Yield Savings
Total savings breakdown:
- Interest earned: $2,273.8 (11.22%)
- Total contributions: $13,000 (64.12%)
- Initial deposit: $5,000 (24.66%)
Your total balance
$20,273.80
Total balance: $20,273.8
Earnings: $2,273.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Presidential Bank's total earnings would be $323 higher than Quontic Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Presidential Bank's vs Quontic Bank's Savings Accounts
| Presidential Bank | Quontic Bank | ||
|---|---|---|---|
| Product | Advantage Savings | vs | High Yield Savings |
| APY | 3.75% - 4.25% (as of 11/12/2025) | 3.75% (as of 11/12/2025) | |
| Bundled Account | Yes | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $5,000 | $100 | |
| Minimum Balance for APY | N/A | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | No | |
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.1/5 | 4.8/5 | |
| BBB Rating | A- | A+ |
Comparative Historical APY Insights (Last 10 Months)
| Presidential Bank | Quontic Bank | ||
|---|---|---|---|
| Product | Advantage Savings | vs | High Yield Savings |
| Latest APY | 4.25 % | 3.75 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -0.5 | -1.5 | |
| Rate Changes / Mo | 0.10 | 0.10 | |
| Days Since Last Change | 7 | 139 | |
| High (-10 m) | 4.50 % | 3.85 % | |
| Low (-10 m) | 4.25 % | 3.75 % | |
| Draw-down from High | -5.6 % | -2.6 % | |
| Volatility (CV) | 0.010 | 0.013 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 10 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-10 m)
- Highest APY in the last 295 days.
- Low (-10 m)
- Lowest APY in the last 295 days.
- Draw-down from High
- How far today sits below the 10-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.