Sallie Mae Bank vs. Vio Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
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
Vio Bank
Online Savings Account
4.16%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
Vio Bank
Online Savings Account
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Sallie Mae Bank vs. Vio Bank Savings Calculator
Vio Bank earns $168.1 more than Sallie Mae Bank.
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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$2,538.30(12.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,538.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Sallie Mae Bank vs. Vio Bank
Why Sallie Mae Bank?
No distinct advantages found vs Vio Bank.
Why Vio Bank?
- ✓Higher potential APY (4.16% vs 3.90%) on all balances
- ✓Higher rated iOS app (4.6 vs 1.5)
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $416 vs $390/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1040 vs $975/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.16% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $26 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.
Executive Summary
Vio Bank offers a competitive Online Savings Account with a 4.16% APY, making it the top choice compared to Sallie Mae Bank's High-Yield Savings Account, which has a 3.90% APY. Vio Bank's account requires a minimum deposit of $100 but has no maintenance fees if electronic statements are selected, while Sallie Mae Bank has no minimum deposit or maintenance fees. Both accounts are online-only and do not require direct deposit. Overall, Vio Bank's higher APY and straightforward terms position it as the preferred option 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 Sallie Mae Bank and Vio Bank.
| Feature | Sallie Mae Bank | Vio Bank |
|---|---|---|
| APY | 3.90% Verified: 12/10/2025 Stable (90d) | 4.16% Verified: 12/10/2025 - |
| Product Name | High-Yield Savings Account | Online Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS1.5 Android1.6 | iOS4.6 Android3.4 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Sallie Mae Bank | Vio Bank |
|---|---|---|
| High-Yield Savings Account | Online Savings Account | |
Current APY | 3.90% | 4.16% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -6.6 |
Days Since Change | 27 | 19 |
1-Month High | 3.90% | 4.21% |
1-Month Low | 3.90% | 4.16% |
Adjustments / Mo | 0.00 | 1.07 |
Volatility Score | 0.000 | 0.005 |
How to read these metrics(Click to expand)
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