Presidential Bank vs. Upgrade
Compare rates, requirements, and features side-by-side to find the best option for you.
Presidential Bank
Advantage Savings
Up to4.00%APYDec 10, 2025FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 3.50% – 4.00%Show Fine Print & Trends Hide Details
Presidential Bank
Advantage Savings
Upgrade
Premier Savings
3.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Upgrade
Premier Savings
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.
Presidential Bank vs. Upgrade Savings Calculator
Presidential Bank earns $605.1 more than Upgrade.
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$2,434.70(11.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,434.70
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$1,829.60(9.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,829.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Presidential Bank vs. Upgrade
Why Presidential Bank?
- ✓Higher potential APY (4.00% vs 3.05%) (requires checking bundle & direct deposit)
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
Why Upgrade?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.5 vs 4.1)
— Key Feature Differences —
Better Returns at $10,000
Presidential BankPresidential Bank's Advantage Savings earns more on smaller deposits (approx. $400 vs $305/yr).
Better Returns at $25,000
Presidential BankPresidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $1000 vs $763/yr).
Best for Simplicity
UpgradeUpgrade's Premier Savings offers 3.05% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Presidential BankPresidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Presidential Bank's Advantage Savings pays $95 more interest on a $10,000 balance than Upgrade's Premier Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Presidential Bank offers a superior Advantage Savings account with an APY of 4.00%, contingent upon a $500 monthly direct deposit into an Advantage Checking Account. This account is ideal for customers looking for better returns, especially with larger deposits. In contrast, Upgrade's Premier Savings provides a more straightforward option with an APY of 3.05%, requiring no direct deposit and no bundling, but it is an online-only product. Overall, for those who can meet the direct deposit requirement, Presidential Bank stands out as the winner.
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.
Top Market Contenders
See who beats both Presidential Bank and Upgrade.
| Feature | Presidential Bank | Upgrade |
|---|---|---|
| APY | 4.00% Range: 3.50% - 4.00% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 3.05% Verified: 12/10/2025 ↘︎ 0.97%90d Change |
| Product Name | Advantage Savings | Premier Savings |
| Minimum Deposit | $5,000 | $0 |
| Min. Balance for APY | N/A | $1,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| 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 | Yes | No |
| Mobile Apps | iOS4.8 Android4.1 | iOS4.9 Android4.5 |
| BBB Rating | A- | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Presidential Bank | Upgrade |
|---|---|---|
| Advantage Savings | Premier Savings | |
Current APY | 4.00% | 3.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.6 | -10.3 |
Days Since Change | 20 | 40 |
11-Month High | 4.50% | 4.14% |
11-Month Low | 4.00% | 3.05% |
Adjustments / Mo | 0.19 | 0.28 |
Volatility Score | 0.033 | 0.105 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare Presidential Bank vs...
Comparing against other Bundled Accounts
Compare Upgrade vs...
Comparing against Standard Savings