Axos Bank vs. GO2bank
Axos Bank's Axos ONE Savings pays 4.21% APY while GO2bank's High Yield Savings pays 4.50% APY.
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 $196 more than GO2bank annually ($421 vs $225).
Choose Axos Bank if getting the best rate matters most, or BBB rating matters to you.
Important Considerations
Both Axos ONE Savings and High Yield Savings pay their top rate only if you also open a checking account at the same institution.
| Metric | Axos BankAxos ONE Savings Sep 4, 2026 | GO2bankHigh Yield Savings Sep 4, 2026 |
|---|---|---|
| APY | 3.50% - 4.21% | 4.50% |
Earns in a year | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$225 $10,000+$225 $25,000+$225 |
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. | A GO2bank checking account is required to open a savings account. The stated APY is up to $5,000. Balances above that earn no interest. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleStable Rate |
Looking for Simplicity?
Don't want a checking bundle? We track many savings and money market accounts that pay competitive rates without checking requirements.
Executive Summary
GO2bank offers a competitive High Yield Savings account with an APY of 4.50%, which is higher than Axos Bank's top product, the Axos ONE Savings, at 4.21%. However, to access the GO2bank savings account, a GO2bank checking account is required, and interest is only earned on balances up to $5,000. In contrast, the Axos ONE Savings account has no balance cap and also provides a secondary option, the Summit Savings, which offers a 3.75% APY without any bundling or direct deposit requirements. Both banks are online-only and nationally available.
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
- Offers 3 different high-yield savings options
Why GO2bank?
- Higher potential APY (4.50% vs 3.50%-4.21%) on balances up to $5,000 (requires checking bundle)
Key Feature Differences
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE Savings earns more on smaller deposits (approx. $421 vs $225/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE Savings pulls ahead with larger amounts (approx. $1053 vs $225/yr).
Better for Simplicity
Axos BankAxos Bank's Summit Savings offers 3.75% APY with no bundling, direct deposit requirement or caps.
Requires Banking Relationship
Axos ONE Savings and High Yield Savings both require a checking account bundle to pay their highest rates.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE Savings pays $196 more interest on a $10,000 balance than GO2bank's High Yield 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. GO2bank Savings Calculator
You earn $29 more with GO2bank than Axos 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
GO2bank
High Yield Savings
Savings Breakdown
- Interest Earned+$450.00(4.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,450.00
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 $220 a year in interest.
Both Axos Bank and GO2bank advertise far more than that typical branch-bank rate.
| Feature | Axos Bank | GO2bank |
|---|---|---|
| APY | 4.21% Range: 3.50% - 4.21% Observed: 9/4/2026 Stable over 90 days | 4.50% Observed: 9/4/2026 Stable over 90 days |
| Product Name | Axos ONE Savings | High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $5 per month, unless you set up direct deposit |
| Compound Frequency | Daily | Quarterly |
| 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 | Yes |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| 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. | A GO2bank checking account is required to open a savings account. The stated APY is up to $5,000. Balances above that earn no interest. |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at GO2bank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | GO2bank | ||
|---|---|---|---|---|
| Axos ONE Savings | Summit Savings | High Yield Savings | High Yield Savings | |
Current APY | 4.21% | 3.75% | 0.61% | 4.50% |
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% | 4.50% |
12-Month Low | 4.21% | 3.75% | 0.61% | 4.50% |
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.
Compare Similar High-Yield Accounts
Compare Axos Bank vs...
Comparing against other Bundled Accounts
Compare GO2bank vs...
Comparing against other Bundled Accounts
Simpler Options (No Bundles)
Looking for something different? Check out these top-rated alternatives.
More Comparisons
Compare Axos Bank's APY of 4.21% with other banks
Compare GO2bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| GO2bank vs Ally Bank | 3.00% | $0 |
| GO2bank vs American Express | 3.00% | $0 |
| GO2bank vs Barclays | 3.65% | $0 |
| GO2bank vs Capital One | 3.50% | $0 |
| GO2bank vs Chime | 3.75% | $0 |
| GO2bank vs CIT Bank | 3.75% | $100 |
| GO2bank vs EverBank | 3.90% | $0 |
| GO2bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| GO2bank vs Newtek Bank | 4.20% | $100 |
| GO2bank vs Openbank | 3.80% | $500 |
| GO2bank vs Pibank | 4.10% | $0 |
| GO2bank vs SoFi Bank | 4.00% | $0 |
| GO2bank vs Synchrony Bank | 3.30% | $0 |
| GO2bank vs Varo Bank | 3.75% | $0 |
| GO2bank vs Wealthfront | 3.95% | $0 |