Quontic Bank vs. Sallie Mae Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Quontic Bank
High Yield Savings
3.75%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Quontic Bank
High Yield Savings
Sallie Mae Bank
High-Yield Savings Account
3.90%APYDec 10, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Sallie Mae Bank
High-Yield Savings Account
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.
Quontic Bank vs. Sallie Mae Bank Savings Calculator
Sallie Mae Bank earns $96.4 more than Quontic Bank.
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$2,273.80(11.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,273.80
Sallie Mae Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,370.20(11.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,370.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Quontic Bank vs. Sallie Mae Bank
Why Quontic Bank?
- ✓Higher rated iOS app (4.8 vs 1.5)
- ✓Higher rated Android app (4.8 vs 1.6)
Why Sallie Mae Bank?
- ✓Higher potential APY (3.90% vs 3.75%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Sallie Mae BankSallie Mae Bank's High-Yield Savings Account earns more on smaller deposits (approx. $390 vs $375/yr).
Better Returns at $25,000
Sallie Mae BankSallie Mae Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $975 vs $938/yr).
Best Mobile App Experience
Quontic BankQuontic Bank offers an iOS app rated 4.8 (vs. 1.5) and Android app rated 4.8 (vs. 1.6)
Shared Benefits
Over a 1-year period, Sallie Mae Bank's High-Yield Savings Account pays $15 more interest on a $10,000 balance than Quontic Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Sallie Mae Bank offers a High-Yield Savings Account with a competitive APY of 3.90%, making it the winner in this comparison. This account requires no minimum deposit or balance, and it is online-only. In contrast, Quontic Bank provides a High Yield Savings account with an APY of 3.75%, also with no minimum balance and no maintenance fees, but it is slightly lower in yield. Both banks do not require direct deposits and are FDIC insured, providing secure options for savers.
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 Quontic Bank and Sallie Mae Bank.
| Feature | Quontic Bank | Sallie Mae Bank |
|---|---|---|
| APY | 3.75% Verified: 12/10/2025 Stable (90d) | 3.90% Verified: 12/10/2025 Stable (90d) |
| Product Name | High Yield Savings | High-Yield Savings Account |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.8 | iOS1.5 Android1.6 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Quontic Bank | Sallie Mae Bank |
|---|---|---|
| High Yield Savings | High-Yield Savings Account | |
Current APY | 3.75% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.4 | -0.1 |
Days Since Change | 166 | 313 |
11-Month High | 3.85% | 4.00% |
11-Month Low | 3.75% | 3.90% |
Adjustments / Mo | 0.09 | 0.09 |
Volatility Score | 0.013 | 0.004 |
How to read these metrics(Click to expand)
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