Presidential Bank vs. Valley Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 16, 2025
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Summary of Presidential Bank vs. Valley Direct
Key Metrics at a Glance
| Feature | Presidential Bank | Valley Direct |
|---|---|---|
| Top Savings APY | 4.25% Advantage Savings | 4.10% High-Yield Savings Account |
| Minimum to Open | $5,000 | $1,000 |
| Minimum Balance for Top APY | N/A | $0.01 |
| Note | Promo. Eligibility restricted to new customers. |
Presidential Bank
Strengths
- Presidential Bank offers a higher APY of 4.25% compared to Valley Direct's 4.10%.
- Presidential Bank has 10 physical branches in Maryland, Virginia, and Washington D.C.
- Presidential Bank's App Store rating is 4.8, matching Valley Direct's.
Potential Drawbacks
- Presidential Bank requires a $500 monthly direct deposit to earn the higher APY.
- The APY at Presidential Bank decreased from 4.50% in the last 30 days.
Valley Direct
Strengths
- Valley Direct has no direct deposit requirement for its High-Yield Savings Account.
- Valley Direct's Google Play rating is higher at 4.5 compared to Presidential Bank's 4.1.
- Valley Direct's account has a lower minimum deposit of $1,000.
Potential Drawbacks
- Valley Direct's APY is lower at 4.10% compared to Presidential Bank's 4.25%.
- Valley Direct is online-only, limiting access to physical branches.
→ As of November 16, 2025 Presidential Bank offers an APY of 4.25% for its Advantage Savings account, with a minimum balance of N/A, compared to Valley Direct's 4.10% APY for its High-Yield Savings Account, with a minimum balance of $0.01.
→ Presidential Bank yields $15 more than Valley Direct on a $10,000 balance after one year. Presidential Bank pays $425, while Valley Direct pays $410 - an APY advantage for Presidential Bank.
Calculate Savings Growth for Presidential Bank vs Valley Direct
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 OverviewValley Direct - High-Yield Savings Account
Total savings breakdown:
- Interest earned: $2,499.4 (12.19%)
- Total contributions: $13,000 (63.42%)
- Initial deposit: $5,000 (24.39%)
Your total balance
$20,499.40
Total balance: $20,499.4
Earnings: $2,499.4
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Presidential Bank's total earnings would be $97.4 higher than Valley Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Presidential Bank's vs Valley Direct's Savings Accounts
| Presidential Bank | Valley Direct | ||
|---|---|---|---|
| Product | Advantage Savings | vs | High-Yield Savings Account |
| APY | 3.75% - 4.25% (as of 11/16/2025) | 4.10% (as of 11/16/2025) | |
| Bundled Account | Yes | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $5,000 | $1,000 | |
| Minimum Balance for APY | N/A | $0.01 | |
| 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 | |
| Eligibility | United States | Only for new customers. Existing Valley Bank or Valley Direct customers may open a savings account with a somewhat lower rate. | |
| Note | Promo. Eligibility restricted to new customers. | ||
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.1/5 | 4.5/5 | |
| BBB Rating | A- | A+ |
Comparative Historical APY Insights (Last 11 Months)
| Presidential Bank | Valley Direct | ||
|---|---|---|---|
| Product | Advantage Savings | vs | High-Yield Savings Account |
| Latest APY | 4.25 % | 4.10 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -0.6 | 2.6 | |
| Rate Changes / Mo | 0.09 | 0.72 | |
| Days Since Last Change | 11 | 52 | |
| High (-11 m) | 4.50 % | 4.55 % | |
| Low (-11 m) | 4.25 % | 3.75 % | |
| Draw-down from High | -5.6 % | -9.9 % | |
| Volatility (CV) | 0.012 | 0.051 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 11 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 (-11 m)
- Highest APY in the last 334 days.
- Low (-11 m)
- Lowest APY in the last 334 days.
- Draw-down from High
- How far today sits below the 11-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.