Public Kempax report

Daily Best High Yield Savings & Cash Management Accounts · 2026-09-11

Kempax Research

Loop report · 2026-09-11

Daily Best High-Yield Savings & Cash Management Accounts — 2026-09-12

As of 2026-09-12 UTC, this review-only candidate remains a conditional shortlist rather than an unconditional leaderboard. Current savings evidence refreshes Bask Interest Savings at 3.75% effective 2026-09-12, UFB Portfolio Savings at 3.26% effective 2026-09-12, Marcus Online Savings at 3.40% as of 2026-09-11, Barclays Tiered Savings at 3.50% 3.65% as of 2026-09-11, and CIT Platinum Savings up to 4.10% for six months at $5,000 or more through the disclosed CITBOOST offer. Prior Axos, Happen, SoFi, Vio, and EverBank observations are retained but not re-verified in this packet. For cash management, Vanguard Cash Plus shows a 3.35% bank-sweep APY as of 2026-09-11, including a temporary 0.25% boost through 2026-09-30; Public displays 3.30% at retrieval on 2026-09-12 without a provider as-of date; Wealthfront shows a 3.30% base dated 2026-01-30; and Fidelity shows a 1.84% FDIC sweep APY as of 2026-09-10. Fidelity's $FZSXX figure is a separate 3.34% seven-day fund yield 3.39% effective yield, not an APY or FDIC deposit. No unconditional winner is inferred.

The clearest best-for designations are CIT Platinum Savings for a qualifying six-month promotional yield at $5,000 or more, Bask Interest Savings for a current simple flat-rate savings option, and Vanguard Cash Plus for the freshest dated full-sweep cash yield. Every figure below is labeled as base, promotional, conditional, stale, undated, or structurally different where applicable.

Method: official provider product, rate, fee, transfer, and insurance disclosures control; reputable comparison sources are used only to corroborate discovery or flag discrepancies. Review priority weighs rate freshness, fees, minimums, liquidity, protection structure, and promotion conditions. Terms not exposed in the accepted evidence remain unknown.