High-Yield Savings Account Comparison

Presidential Bank vs. Sallie Mae Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Presidential Bank

Advantage Savings

Up to
4.00%
APY
Dec 10, 2025
FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 3.50% – 4.00%
Show Fine Print & Trends
Min. Deposit$5,000
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositRequired (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access10 locations in Maryland, Virginia and Washington D.C.
Deposit InsuranceFDIC Insured(Cert: 32363)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.1
BBB Rating
A-(Not BBB Accredited)

Rate Stability

30 days
↘︎ 0.25%
90 days
↘︎ 0.50%
Read Bank Overview

Sallie Mae Bank

High-Yield Savings Account

3.90%
APY
Dec 10, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58177)
EligibilityUnited States
Mobile Ratings
iOS:1.5Android:1.6
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Presidential Bank vs. Sallie Mae Bank Savings Calculator

Calculations based on current APY for Advantage Savings and High-Yield Savings Account
$
$

Presidential Bank earns $64.5 more than Sallie Mae Bank.

Presidential Bank

Advantage Savings

4.00% APY

Savings Breakdown

  • Interest Earned
    +$2,434.70(11.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,434.70

Effective APY
4.00%
View Details

Sallie Mae Bank

High-Yield Savings Account

3.90% APY

Savings Breakdown

  • Interest Earned
    +$2,370.20(11.6%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,370.20

Effective APY
3.90%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Presidential Bank vs. Sallie Mae Bank

Updated: Dec 10, 2025

Why Presidential Bank?

  • ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
  • ✓Higher rated iOS app (4.8 vs 1.5)
  • ✓Higher rated Android app (4.1 vs 1.6)

Why Sallie Mae Bank?

  • ✓No checking account or direct deposit required

— Key Feature Differences —

Best for Simplicity
Sallie Mae Bank

Sallie Mae Bank's High-Yield Savings Account offers 3.90% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Presidential Bank

Presidential Bank offers an iOS app rated 4.8 (vs. 1.5) and Android app rated 4.1 (vs. 1.6)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Presidential Bank's Advantage Savings pays $10 more interest on a $10,000 balance than Sallie Mae Bank's High-Yield Savings Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

Sallie Mae BankPresidential Bank
Automated Data Audit

Executive Summary

Presidential Bank offers the Advantage Savings account with a competitive APY of 4.00%, which requires a monthly direct deposit of $500 into an Advantage Checking Account. This account has a minimum deposit of $5,000 but comes with no maintenance fees, making it a strong option for savers. In contrast, Sallie Mae Bank provides a High-Yield Savings Account with an APY of 3.90%, featuring no minimum deposit or balance requirements and no direct deposit needed, appealing for its simplicity. While both banks offer attractive savings options, Presidential Bank's higher APY positions it as the more favorable choice.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExplorePresidential BankExploreSallie Mae Bank

Top Market Contenders

See who beats both Presidential Bank and Sallie Mae Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.60% vs Presidential Bank
Better Rate
Pibank vs Presidential BankPibank vs Sallie Mae Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.31% vs Presidential Bank
Better Rate
Axos Bank vs Presidential BankAxos Bank vs Sallie Mae Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.40% vs Presidential Bank
Better Rate
TIMBR vs Presidential BankTIMBR vs Sallie Mae Bank
FeaturePresidential BankSallie Mae Bank
APY
4.00%
Range: 3.50% - 4.00%
Verified: 12/10/2025
↘︎ 0.50%90d Change
3.90%
Verified: 12/10/2025
Stable (90d)
Product NameAdvantage SavingsHigh-Yield Savings Account
Minimum Deposit$5,000$0
Min. Balance for APYN/A$0
Monthly Fee$0$0
Branch AccessYesNone
Account Type
Online & Branches
Online Only
Direct Deposit Req.
RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
None
Checking Bundle YesNo
Mobile Apps
iOS4.8
Android4.1
iOS1.5
Android1.6
BBB RatingA-A+
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 11 Months Analysis
MetricPresidential BankSallie Mae Bank
Advantage SavingsHigh-Yield Savings Account
Current APY
4.00%3.90%
Trend
 Stable Stable
Velocity (bps/mo)
-2.6-0.1
Days Since Change
19313
11-Month High
4.50%4.00%
11-Month Low
4.00%3.90%
Adjustments / Mo
0.190.09
Volatility Score
0.0330.004
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 322-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Alternatives

Compare Presidential Bank vs...

Comparing against other Bundled Accounts

vs Presidential Bank
Axos BankChecking Bundle
4.31%
APY
vs Presidential Bank
SoFi BankChecking Bundle
4.30%
APY
vs Presidential Bank
UFB DirectChecking Bundle
3.71%
APY

Compare Sallie Mae Bank vs...

Comparing against Standard Savings

vs Sallie Mae Bank
PibankNo Bundle Req
4.60%
APY
vs Sallie Mae Bank
TIMBRNo Bundle Req
4.40%
APY
vs Sallie Mae Bank
Newtek BankNo Bundle Req
4.35%
APY

More Comparisons

Compare Presidential Bank's APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
Presidential Bank vs Affirm3.60%$0
Presidential Bank vs Ally Bank3.30%$0
Presidential Bank vs American Express3.40%$0
Presidential Bank vs Axos Bank4.31%$0
Presidential Bank vs Bank of America0.01%$100
Presidential Bank vs Barclays4.00%$0
Presidential Bank vs Bask Bank3.90%$0
Presidential Bank vs Betterment3.50%$10
Presidential Bank vs BMO Alto3.25%$0
Presidential Bank vs Bread Savings4.10%$100
Presidential Bank vs BrioDirect4.00%$5,000
Presidential Bank vs Capital One3.40%$0
Presidential Bank vs Charles Schwab Bank0.15%$0
Presidential Bank vs Chase Bank0.01%$0
Presidential Bank vs Chime3.50%$0
Presidential Bank vs CIT Bank3.75%$100
Presidential Bank vs Citibank3.30%$0
Presidential Bank vs Citizens Access™3.15%$0.01
Presidential Bank vs Climate First Bank4.21%$50
Presidential Bank vs Discover Bank3.40%$0
Presidential Bank vs E*TRADE from Morgan Stanley3.75%$0
Presidential Bank vs Elevault4.08%$0
Presidential Bank vs EverBank4.05%$0
Presidential Bank vs Fitness Bank4.75%$100
Presidential Bank vs FNBO Direct3.00%$1
Presidential Bank vs Forbright Bank4.00%$0
Presidential Bank vs FVCbank3.85%$500
Presidential Bank vs GO2bank4.50%$0
Presidential Bank vs Ivy Bank4.25%$2,500
Presidential Bank vs LendingClub4.20%$0
Presidential Bank vs Marcus by Goldman Sachs3.65%$0
Presidential Bank vs Neighbors Bank4.30%$0
Presidential Bank vs Newtek Bank4.35%$0.01
Presidential Bank vs Openbank4.20%$500
Presidential Bank vs Peak Bank4.20%$100
Presidential Bank vs Pibank4.60%$0
Presidential Bank vs PNC3.53%$0
Presidential Bank vs Quontic Bank3.75%$100
Presidential Bank vs Salem Five Direct3.71%$10
Presidential Bank vs Santander Bank0.01%$25
Presidential Bank vs SoFi Bank4.30%$0
Presidential Bank vs Synchrony Bank3.65%$0
Presidential Bank vs TD Bank2.75%$0
Presidential Bank vs TIMBR4.40%$1,000
Presidential Bank vs UFB Direct3.71%$5000
Presidential Bank vs Upgrade3.05%$0
Presidential Bank vs Valley Direct4.10%$1,000
Presidential Bank vs Varo Bank5.00%$0
Presidential Bank vs Vio Bank4.16%$100
Presidential Bank vs Wealthfront4.15%$0
Presidential Bank vs Wells Fargo0.05%$25
Presidential Bank vs Zynlo Bank4.05%$10
Compare Sallie Mae Bank's APY of 3.90% with other banks
Bank PairCompetitor APYMin Deposit
Sallie Mae Bank vs Affirm3.60%$0
Sallie Mae Bank vs Ally Bank3.30%$0
Sallie Mae Bank vs American Express3.40%$0
Sallie Mae Bank vs Axos Bank4.31%$0
Sallie Mae Bank vs Bank of America0.01%$100
Sallie Mae Bank vs Barclays4.00%$0
Sallie Mae Bank vs Bask Bank3.90%$0
Sallie Mae Bank vs Betterment3.50%$10
Sallie Mae Bank vs BMO Alto3.25%$0
Sallie Mae Bank vs Bread Savings4.10%$100
Sallie Mae Bank vs BrioDirect4.00%$5,000
Sallie Mae Bank vs Capital One3.40%$0
Sallie Mae Bank vs Charles Schwab Bank0.15%$0
Sallie Mae Bank vs Chase Bank0.01%$0
Sallie Mae Bank vs Chime3.50%$0
Sallie Mae Bank vs CIT Bank3.75%$100
Sallie Mae Bank vs Citibank3.30%$0
Sallie Mae Bank vs Citizens Access™3.15%$0.01
Sallie Mae Bank vs Climate First Bank4.21%$50
Sallie Mae Bank vs Discover Bank3.40%$0
Sallie Mae Bank vs E*TRADE from Morgan Stanley3.75%$0
Sallie Mae Bank vs Elevault4.08%$0
Sallie Mae Bank vs EverBank4.05%$0
Sallie Mae Bank vs Fitness Bank4.75%$100
Sallie Mae Bank vs FNBO Direct3.00%$1
Sallie Mae Bank vs Forbright Bank4.00%$0
Sallie Mae Bank vs FVCbank3.85%$500
Sallie Mae Bank vs GO2bank4.50%$0
Sallie Mae Bank vs Ivy Bank4.25%$2,500
Sallie Mae Bank vs LendingClub4.20%$0
Sallie Mae Bank vs Marcus by Goldman Sachs3.65%$0
Sallie Mae Bank vs Neighbors Bank4.30%$0
Sallie Mae Bank vs Newtek Bank4.35%$0.01
Sallie Mae Bank vs Openbank4.20%$500
Sallie Mae Bank vs Peak Bank4.20%$100
Sallie Mae Bank vs Pibank4.60%$0
Sallie Mae Bank vs PNC3.53%$0
Sallie Mae Bank vs Quontic Bank3.75%$100
Sallie Mae Bank vs Salem Five Direct3.71%$10
Sallie Mae Bank vs Santander Bank0.01%$25
Sallie Mae Bank vs SoFi Bank4.30%$0
Sallie Mae Bank vs Synchrony Bank3.65%$0
Sallie Mae Bank vs TD Bank2.75%$0
Sallie Mae Bank vs TIMBR4.40%$1,000
Sallie Mae Bank vs UFB Direct3.71%$5000
Sallie Mae Bank vs Upgrade3.05%$0
Sallie Mae Bank vs Valley Direct4.10%$1,000
Sallie Mae Bank vs Varo Bank5.00%$0
Sallie Mae Bank vs Vio Bank4.16%$100
Sallie Mae Bank vs Wealthfront4.15%$0
Sallie Mae Bank vs Wells Fargo0.05%$25
Sallie Mae Bank vs Zynlo Bank4.05%$10