Public Kempax report

Daily Best High Yield Savings & Cash Management Accounts · 2026-09-06

Kempax Research

Loop report · 2026-09-06

Daily Best High-Yield Savings & Cash Management Accounts — 2026-09-07

As of 2026-09-07 UTC, this review-only candidate remains inconclusive as a synchronized all-provider leaderboard. The current savings pass identifies Accordia at 5.00% APY for Utah residents 4.00% outside Utah, with a 1.00% boost through 2027-01-31 , Vibrant at 4.40% through $5,001 for new members rate accurate 2026-08-12 , and Ally as the broad no-fee baseline at 3.00% as of 2026-09-06. Bask is 3.75% effective 2026-09-07 but its current liquidity limits remain unverified; Newtek is 4.20% dated 2026-09-06 but availability remains unresolved; Pibank's 4.10% page-body rate conflicts with a 4.40% title indexed result. For cash management, Public is the provisional broad-category fit at 3.30% APY with $50,000 business-day standard withdrawals and $5,000 week fee-based instant withdrawals; Vanguard shows the highest displayed sweep yield at 3.35% as of 2026-09-06, including a temporary boost through 2026-09-30. Wealthfront remains the instant-access feature leader at a 3.30% base dated 2026-01-30; Fidelity's FDIC sweep is 1.84% APY as of 2026-09-04 while $SPAXX is a separate 3.34% seven-day yield, not an APY or FDIC deposit. These are review designations, not approved winners.

The candidate is analyst-owned review material for handoff to the responsible portfolio or treasury lead by EOD. No account opening, funding, transfer, provider contact, or external distribution is authorized before approval.