Axos Bank vs. Chase Bank
Axos Bank's Axos ONE Savings pays 4.21% APY while Chase Bank's Chase Savings℠ pays 0.01% 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 $420 more than Chase Bank annually ($421 vs $1).
Choose Axos Bank if getting the best rate matters most. Choose Chase 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 Chase Bank's Chase Savings℠ stands alone.
| Metric | Axos BankAxos ONE Savings Sep 4, 2026 | Chase BankChase Savings℠ Sep 3, 2026 |
|---|---|---|
| APY | 3.50% - 4.21% | 0.01% |
Earns in a year | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$1 $10,000+$1 $25,000+$3 |
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. | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate |
Comparison Analysis
Comparing Axos Bank vs. Chase Bank
Executive Summary
Axos Bank offers a significantly higher APY of 4.21% with its Axos ONE Savings account, which is available when bundled with a checking account and requires either a direct deposit of $1,500 or monthly qualifying deposits of $5,000. In contrast, Chase Bank's highest yielding savings product, the Chase Savings℠ account, offers a minimal APY of 0.01%. While Chase provides a better mobile app experience, its savings options lack competitive interest rates compared to Axos Bank. For those seeking simplicity without bundling, Axos Bank's Summit Savings at 3.75% APY is another viable option.
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 0.01%) on all balances
Why Chase Bank?
- Fast transfers via Zelle® (up to $2,000 a day)
Key Feature Differences
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE Savings earns more on smaller deposits (approx. $421 vs $1/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE Savings pulls ahead with larger amounts (approx. $1053 vs $3/yr).
Better for Simplicity
Axos BankAxos Bank's Summit Savings offers 3.75% APY with no bundling, direct deposit requirement or caps.
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.
Better Mobile App Experience
Chase BankChase Bank offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.8 (vs. 4.6)
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE Savings pays $420 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
* Secure link to our partner
Non-sponsored link to official site
Top Market Contenders
Axos Bank vs. Chase Bank Savings Calculator
You earn $420 more with Axos Bank than Chase 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
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Axos Bank | Chase Bank |
|---|---|---|
| APY | 4.21% Range: 3.50% - 4.21% Observed: 9/4/2026 Stable over 90 days | 0.01% Observed: 9/3/2026 Stable over 90 days |
| Product Name | Axos ONE Savings | Chase Savings℠ |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $5 |
| Compound Frequency | Daily | Monthly |
| In-Branch Access | No | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | 3 (CA, NV, UT) | 5,392 (AL, AR, AZ, CA, CO, CT, DC, DE (+41 more)) |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. |
| BBB Rating | A+ | A- |
| 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. | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at Chase Bank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Chase Bank | ||
|---|---|---|---|---|
| Axos ONE Savings | Summit Savings | High Yield Savings | Chase Savings℠ | |
Current APY | 4.21% | 3.75% | 0.61% | 0.01% |
Trend | Stable | Stable | Stable | Stable |
Speed of change | -0.04 | -0.06 | -0.00 | 0.00 |
Days Since Change | 214 | 267 | 361 | 361 |
12-Month High | 4.51% | 4.00% | 0.61% | 0.01% |
12-Month Low | 4.21% | 3.75% | 0.61% | 0.01% |
Changes per month | 0.25 | 0.08 | 0.00 | 0.00 |
Steadiness | 0.023 | 0.030 | 0.000 | 0.000 |
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 Chase Bank's APY of 0.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Chase Bank vs Ally Bank | 3.00% | $0 |
| Chase Bank vs American Express | 3.00% | $0 |
| Chase Bank vs Barclays | 3.65% | $0 |
| Chase Bank vs Capital One | 3.50% | $0 |
| Chase Bank vs Chime | 3.75% | $0 |
| Chase Bank vs CIT Bank | 3.75% | $100 |
| Chase Bank vs EverBank | 3.90% | $0 |
| Chase Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Chase Bank vs Newtek Bank | 4.20% | $100 |
| Chase Bank vs Openbank | 3.80% | $500 |
| Chase Bank vs Pibank | 4.10% | $0 |
| Chase Bank vs SoFi Bank | 4.00% | $0 |
| Chase Bank vs Synchrony Bank | 3.30% | $0 |
| Chase Bank vs Varo Bank | 3.75% | $0 |
| Chase Bank vs Wealthfront | 3.95% | $0 |