Public Kempax report

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

Kempax Research

Loop report · 2026-09-07

Daily Best High-Yield Savings & Cash Management Accounts — 2026-09-08

As of 2026-09-08 UTC, this review-only candidate remains inconclusive as a synchronized all-provider leaderboard. The current savings matrix places Accordia at a displayed 5.00% APY for Utah residents 4.00% outside Utah, with a 1.00% boost through 2027-01-31 , Vibrant at 4.40% on its low balance tier the page says up to $5,000 while the rate table says $5,001; accurate 2026-08-12 , CIT up to 4.10% only with a six-month CITBOOST , SoFi up to 4.00% only with a qualifying six-month boost, Bask at 3.75% effective 2026-09-08 with liquidity terms still incomplete, and Marcus at 3.40% as of 2026-09-07. These are conditional, stale, or term-gapped observations rather than winners. For cash management, Vanguard shows 3.35% bank-sweep APY as of 2026-09-07, including a temporary boost through 2026-09-30; Public displays 3.30% APY without an effective date but discloses $50,000 business-day standard withdrawals and $5,000 week fee-based instant withdrawals. Wealthfront's 3.30% base is 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. Vanguard Cash Deposit is 1.75% APY as of 2026-09-07 and remains a settlement-only structure. No approved winner is inferred.

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.