High-Yield Savings Account Comparison

Presidential Bank vs. Valley Direct

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

Analysis by Aviel Fahl

Updated December 6, 2025

Advertising Disclosure: We may earn a commission from partner links.

Presidential Bank

Advantage Savings

Up to

4.00%

APY

Dec 6, 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. Balance	N/A
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Required (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access	10 locations in Maryland, Virginia and Washington D.C.
Deposit Insurance	FDIC Insured(Cert: 32363)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.1
BBB Rating	A-(Not BBB Accredited)

Rate Stability

30 days

↘︎ 0.25%

90 days

↘︎ 0.50%

Read Bank Overview

Valley Direct

High-Yield Savings Account

Up to

4.10%

APY

Dec 6, 2025

FDIC InsuredLow MinimumsGreat iOS AppGreat Android App

Range: 3.50% – 4.10%

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 9396)
Eligibility	The advertised rate is restricted to new customers. Existing Valley Bank or Valley Direct customers may this savings account with a somewhat lower rate.
Mobile Ratings	iOS:4.8 Android:4.5
BBB Rating	A+(Not BBB Accredited)

Important Note

Promo rate for new customers. 3.50% APY applies to existing customers.

Rate Stability

Rate Adjusted

-0.20%

Since 90 days ago

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

Comparison Analysis

Comparing Presidential Bank vs. Valley Direct

Updated: Dec 6, 2025

Why Presidential Bank?

✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
✓Available to New & Existing Customers

Why Valley Direct?

✓No checking account or direct deposit required
✓Higher rated Android app (4.5 vs 4.1)

— Key Feature Differences —

Better Returns at $10,000

Valley Direct

Valley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $400/yr).

Best for Simplicity

Valley Direct

Valley Direct's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide

The Bottom Line

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

Presidential BankValley Direct

Automated Data Audit

Executive Summary

Valley Direct offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the clear winner compared to Presidential Bank's Advantage Savings, which provides a higher APY of 4.00% but requires a monthly direct deposit of $500 into an Advantage Checking Account. Valley Direct's account is online-only, requires a minimum deposit of $1,000, and has no maintenance fees, making it accessible to new customers. In contrast, existing customers at Valley Direct may receive a lower APY of 3.50%. For those seeking a straightforward savings option without the need for direct deposits, Valley Direct is the better 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 Bank ExploreValley Direct

Top Market Contenders

See who beats both Presidential Bank and Valley Direct.

Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.50% vs Valley Direct

Better Rate

Pibank vs Presidential Bank Pibank vs Valley Direct

Neighbors Bank

Neighbors Savings Account

FDIC InsuredNo MinimumsGreat Android App

4.50% APY

+0.40% vs Valley Direct

Better Rate

Neighbors Bank vs Presidential Bank Neighbors Bank vs Valley Direct

Axos Bank

Axos ONE

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

4.31% APY

+0.21% vs Valley Direct

Better Rate

Axos Bank vs Presidential Bank Axos Bank vs Valley Direct

Feature	Presidential Bank	Valley Direct
APY	4.00% Range: 3.50% - 4.00% Verified: 12/6/2025 ↘︎ 0.50%90d Change	4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change
Product Name	Advantage Savings	High-Yield Savings Account
Minimum Deposit	$5,000	$1,000
Min. Balance for APY	N/A	$0.01
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	iOS4.8 Android4.5
BBB Rating	A-	A+
Important Notes	-	Promo rate for new customers. 3.50% APY applies to existing customers.
Next Steps	- View Details	- View Details

Savings Comparison

Calculations based on current APY.

Initial Deposit

Recurring Deposit

Frequency

Duration

Valley Direct earns $64.7 more than Presidential 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

Valley Direct

High-Yield Savings Account

4.10% APY

Savings Breakdown

Interest Earned
+$2,499.40(12.2%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,499.40

Effective APY

4.10%

View Details

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

📈 Compare Savings Rates Over Time

Historical Performance

Last 12 Months Analysis

Metric	Presidential Bank	Valley Direct
	Advantage Savings	High-Yield Savings Account
Current APYMost recent advertised annual-percentage yield.	4.00%	4.10%
TrendDirection over the last 12 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-2.0	1.9
Days Since ChangeRecency of the latest APY adjustment.	15	71
12-Month HighHighest APY in the last 354 days.	4.50%	4.55%
12-Month LowLowest APY in the last 354 days.	4.00%	3.75%
Adjustments / MoTypical number of APY moves per month.	0.17	0.68
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.030	0.049

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 354-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 Valley Direct vs...

Comparing against Standard Savings

Neighbors BankNo Bundle Req

More Comparisons

Compare Presidential Bank's APY of 4.00% with other banks

Bank Pair	Competitor APY	Min Deposit
Presidential Bank vs Ally Bank	3.30%	$0
Presidential Bank vs American Express	3.40%	$0
Presidential Bank vs Axos Bank	4.31%	$0
Presidential Bank vs Bank of America	0.01%	$100
Presidential Bank vs Barclays	4.00%	$0
Presidential Bank vs Bask Bank	3.90%	$0
Presidential Bank vs BMO Alto	3.25%	$0
Presidential Bank vs BrioDirect	4.00%	$5,000
Presidential Bank vs Capital One	3.40%	$0
Presidential Bank vs Chase Bank	0.01%	$0
Presidential Bank vs Chime	3.50%	$0
Presidential Bank vs CIT Bank	3.75%	$100
Presidential Bank vs Citibank	3.30%	$0
Presidential Bank vs Citizens Access™	3.35%	$0.01
Presidential Bank vs Climate First Bank	4.21%	$50
Presidential Bank vs Discover Bank	3.40%	$0
Presidential Bank vs Elevault	4.08%	$0
Presidential Bank vs EverBank	4.05%	$0
Presidential Bank vs Fitness Bank	4.75%	$100
Presidential Bank vs FNBO Direct	3.00%	$1
Presidential Bank vs Forbright Bank	4.00%	$0
Presidential Bank vs FVCbank	3.85%	$500
Presidential Bank vs GO2bank	4.50%	$0
Presidential Bank vs Ivy Bank	4.25%	$2,500
Presidential Bank vs LendingClub	4.20%	$0
Presidential Bank vs Marcus by Goldman Sachs	3.65%	$0
Presidential Bank vs Neighbors Bank	4.50%	$0
Presidential Bank vs Newtek Bank	4.35%	$0.01
Presidential Bank vs Openbank	4.20%	$500
Presidential Bank vs Peak Bank	4.20%	$100
Presidential Bank vs Pibank	4.60%	$0
Presidential Bank vs PNC	3.53%	$0
Presidential Bank vs Quontic Bank	3.75%	$100
Presidential Bank vs Salem Five Direct	3.71%	$10
Presidential Bank vs Santander Bank	0.01%	$25
Presidential Bank vs SoFi Bank	4.30%	$0
Presidential Bank vs Synchrony Bank	3.65%	$0
Presidential Bank vs TIMBR	4.40%	$1,000
Presidential Bank vs UFB Direct	3.71%	$5000
Presidential Bank vs Varo Bank	5.00%	$0
Presidential Bank vs Vio Bank	4.16%	$100
Presidential Bank vs Wealthfront	4.15%	$0
Presidential Bank vs Wells Fargo	0.05%	$25
Presidential Bank vs Zynlo Bank	4.05%	$10

Compare Valley Direct's APY of 4.10% with other banks

Bank Pair	Competitor APY	Min Deposit
Valley Direct vs Ally Bank	3.30%	$0
Valley Direct vs American Express	3.40%	$0
Valley Direct vs Axos Bank	4.31%	$0
Valley Direct vs Bank of America	0.01%	$100
Valley Direct vs Barclays	4.00%	$0
Valley Direct vs Bask Bank	3.90%	$0
Valley Direct vs BMO Alto	3.25%	$0
Valley Direct vs BrioDirect	4.00%	$5,000
Valley Direct vs Capital One	3.40%	$0
Valley Direct vs Chase Bank	0.01%	$0
Valley Direct vs Chime	3.50%	$0
Valley Direct vs CIT Bank	3.75%	$100
Valley Direct vs Citibank	3.30%	$0
Valley Direct vs Citizens Access™	3.35%	$0.01
Valley Direct vs Climate First Bank	4.21%	$50
Valley Direct vs Discover Bank	3.40%	$0
Valley Direct vs Elevault	4.08%	$0
Valley Direct vs EverBank	4.05%	$0
Valley Direct vs Fitness Bank	4.75%	$100
Valley Direct vs FNBO Direct	3.00%	$1
Valley Direct vs Forbright Bank	4.00%	$0
Valley Direct vs FVCbank	3.85%	$500
Valley Direct vs GO2bank	4.50%	$0
Valley Direct vs Ivy Bank	4.25%	$2,500
Valley Direct vs LendingClub	4.20%	$0
Valley Direct vs Marcus by Goldman Sachs	3.65%	$0
Valley Direct vs Neighbors Bank	4.50%	$0
Valley Direct vs Newtek Bank	4.35%	$0.01
Valley Direct vs Openbank	4.20%	$500
Valley Direct vs Peak Bank	4.20%	$100
Valley Direct vs Pibank	4.60%	$0
Valley Direct vs PNC	3.53%	$0
Valley Direct vs Quontic Bank	3.75%	$100
Valley Direct vs Salem Five Direct	3.71%	$10
Valley Direct vs Santander Bank	0.01%	$25
Valley Direct vs SoFi Bank	4.30%	$0
Valley Direct vs Synchrony Bank	3.65%	$0
Valley Direct vs TIMBR	4.40%	$1,000
Valley Direct vs UFB Direct	3.71%	$5000
Valley Direct vs Varo Bank	5.00%	$0
Valley Direct vs Vio Bank	4.16%	$100
Valley Direct vs Wealthfront	4.15%	$0
Valley Direct vs Wells Fargo	0.05%	$25
Valley Direct vs Zynlo Bank	4.05%	$10