Axos Bank vs. Bask Bank
Axos Bank's Axos ONE Savings pays 4.21% APY while Bask Bank's Interest Savings Account pays 3.75% APY.
Note: Axos Bank's Axos ONE Savings also needs a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Axos Bank pays $46 more than Bask Bank annually ($421 vs $375).
Choose Axos Bank if getting the best rate matters most, or BBB rating matters to you. Choose Bask Bank if you want a no-strings-attached account, or you want Zelle for quick transfers.
Important Considerations
Axos Bank's Axos ONE Savings pays its top rate only if you also open a checking account with Axos Bank, while Bask Bank's Interest Savings Account stands alone.
| Metric | Axos BankAxos ONE Savings Sep 5, 2026 | Bask BankInterest Savings Account Sep 7, 2026 |
|---|---|---|
| APY | 3.50% - 4.21% | 3.75% |
Earns in a year | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
Prefer In-Person Banking?
Both of these institutions are online-only. If you need in-branch access, check out our list of savings accounts with brick-and-mortar locations.
Executive Summary
Axos Bank offers the Axos ONE Savings account, which provides a competitive APY of 4.21%, making it the highest-yielding option compared to Bask Bank's Interest Savings Account, which has an APY of 3.75%. The Axos ONE Savings account requires customers to either set up a direct deposit of $1,500 and maintain an average daily balance of over $1,500 in their ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits. In contrast, Bask Bank's account does not have such requirements, and both accounts are online-only with no maintenance fees. For those seeking higher returns, Axos Bank's offering is the clear winner.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Axos Bank?
- Access to 95,000 fee-free ATMs
- Higher potential APY (3.50%-4.21% vs 3.75%) on all balances
- Offers 3 different high-yield savings options
Why Bask Bank?
- Fast transfers via Zelle®
Key Feature Differences
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE Savings earns more on smaller deposits (approx. $421 vs $375/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE Savings pulls ahead with larger amounts (approx. $1053 vs $938/yr).
Better for All-in-One Banking
Axos BankAxos Bank's Axos ONE Savings pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE Savings pays $46 more interest on a $10,000 balance than Bask Bank's Interest Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Axos Bank vs. Bask Bank Savings Calculator
You earn $46 more with Axos Bank than Bask Bank 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.
Axos Bank
Axos ONE Savings
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $370 a year in interest.
Both Axos Bank and Bask Bank advertise far more than that typical branch-bank rate.
| Feature | Axos Bank | Bask Bank |
|---|---|---|
| APY | 4.21% Range: 3.50% - 4.21% Observed: 9/5/2026 Stable over 90 days | 3.75% Observed: 9/7/2026 0.25%90-day change |
| Product Name | Axos ONE Savings | Interest Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | 3 (CA, NV, UT) | Not reported |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Available for Interest Checking; not for standalone savings. |
| BBB Rating | A+ | B |
| Important Notes | The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | - |
| Next Steps | Visit SiteVerify at Axos Bank Non-sponsored link to official site | Visit SiteVerify at Bask Bank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Bask Bank | ||
|---|---|---|---|---|
| Axos ONE Savings | Summit Savings | High Yield Savings | Interest Savings Account | |
Current APY | 4.21% | 3.75% | 0.61% | 3.75% |
Trend | Stable | Stable | Stable | Stable |
Speed of change | -0.04 | -0.06 | 0.00 | -0.05 |
Days Since Change | 217 | 270 | 363 | 125 |
12-Month High | 4.51% | 4.00% | 0.61% | 4.15% |
12-Month Low | 4.21% | 3.75% | 0.61% | 3.75% |
Changes per month | 0.25 | 0.08 | 0.00 | 0.41 |
Steadiness | 0.023 | 0.030 | 0.000 | 0.033 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 364-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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Compare Axos Bank's APY of 4.21% with other banks
Compare Bask Bank's APY of 3.75% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Bask Bank vs Ally Bank | 3.00% | $0 |
| Bask Bank vs American Express | 3.00% | $0 |
| Bask Bank vs Barclays | 3.65% | $0 |
| Bask Bank vs Capital One | 3.50% | $0 |
| Bask Bank vs Chime | 3.75% | $0 |
| Bask Bank vs CIT Bank | 3.75% | $100 |
| Bask Bank vs EverBank | 3.90% | $0 |
| Bask Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Bask Bank vs Newtek Bank | 4.20% | $100 |
| Bask Bank vs Openbank | 3.80% | $500 |
| Bask Bank vs Pibank | 4.10% | $0 |
| Bask Bank vs SoFi Bank | 4.00% | $0 |
| Bask Bank vs Synchrony Bank | 3.30% | $0 |
| Bask Bank vs Varo Bank | 3.75% | $0 |
| Bask Bank vs Wealthfront | 3.95% | $0 |