Valley Direct vs. Vio Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Valley DirectHigh-Yield Savings Account Jan 7, 2026 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.40% - 4.00% | 4.09% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $1,000 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | Promo rate for new customers. 3.40% APY applies to existing customers. | - |
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow MinimumsGreat iOS App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Valley Direct vs. Vio Bank
As of Valley Direct offers an APY of 4.00% for its High-Yield Savings Account, with a minimum balance of $0.01, compared to Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
Vio Bank pays $9 more than Valley Direct on a $10,000 balance after one year. Valley Direct pays $400, while Vio Bank pays $409 - an APY advantage for Vio Bank.
Why Valley Direct?
- ✓Higher rated Android app (4.6 vs 3.4)
- ✓Fast transfers via Zelle®
Why Vio Bank?
- ✓Available to New & Existing Customers
— Key Feature Differences —
Best Mobile App Experience
Valley DirectValley Direct offers an iOS app rated 4.8 (vs. 4.6) and Android app rated 4.6 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $9 more interest on a $10,000 balance than Valley Direct's High-Yield Savings Account.
*This comparison accounts for Valley Direct's introductory promotional rate, yet Vio Bank's standard rate still yields a higher 1-year return.
Executive Summary as of
Vio Bank offers a competitive Online Savings Account with an APY of 4.09%, making it the winner in this comparison. This account requires a minimum deposit of $100 and has no maintenance fees if electronic statements are selected. In contrast, Valley Direct provides a High-Yield Savings Account with a slightly lower APY of 4.00% for new customers, while existing customers receive a rate of 3.40%. Valley Direct's account also requires a minimum deposit of $1,000 but has no maintenance fees. Both banks do not require direct deposit, but Vio Bank operates online-only, while Valley Direct has a mobile app rated 4.8 for iOS.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Valley Direct vs. Vio Bank Savings Calculator
You earn $9 more with Vio Bank than Valley Direct on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Valley Direct
High-Yield Savings Account
Promo Rate: 4.00% for 12 months, then 3.40%.
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Valley Direct | Vio Bank |
|---|---|---|
| APY | 4.00% Range: 3.40% - 4.00% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 4.09% Verified: 1/7/2026 - |
| Product Name | High-Yield Savings Account | Online Savings Account |
| Minimum Deposit | $1,000 | $100 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.6 | iOS4.6 Android3.4 |
| Zelle® Support | Available Allows Zelle directly on HYSA. | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | Promo rate for new customers. 3.40% APY applies to existing customers. | - |
| Next Steps | Visit SiteVerify at Valley Direct Non-sponsored link to official site | Visit SiteVerify at Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Valley Direct | Vio Bank |
|---|---|---|
| High-Yield Savings Account | Online Savings Account | |
Current APY | 4.00% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.0 | -2.7 |
Days Since Change | 26 | 1 |
2-Month High | 4.10% | 4.21% |
2-Month Low | 4.00% | 4.09% |
Adjustments / Mo | 0.54 | 1.07 |
Volatility Score | 0.012 | 0.005 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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