Public Kempax report

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

Kempax Research

Loop report · 2026-09-08

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

As of 2026-09-09 UTC, this review-only candidate remains inconclusive as a synchronized all-provider leaderboard. The current savings matrix places Bask at 3.75% APY effective 2026-09-09, UFB Direct at 3.26% APY accurate 2026-09-09, and Newtek at 4.20% APY as of 2026-09-08 but still held for availability reconciliation. Accordia displays 5.00% for Utah residents 4.00% outside Utah, with a 1.00% boost through 2027-01-31 , Vibrant remains 4.40% on a low-balance tier dated 2026-08-12, and CIT reaches 4.10% only with a six-month CITBOOST ; these are conditional, stale, or term-gapped observations rather than winners. Marcus is 3.40% as of 2026-09-08 and Ally is 3.00% as of 2026-09-08. For cash management, Vanguard shows 3.35% bank-sweep APY as of 2026-09-08, 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 as of 2026-09-07, not an APY or FDIC deposit. Vanguard Cash Deposit is 1.75% APY as of 2026-09-08 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.