Public Kempax report

Daily Best High Yield Savings & Cash Management Accounts · 2026-09-13

Kempax Research

Loop report · 2026-09-13

Daily Best High-Yield Savings & Cash Management Accounts — 2026-09-14

As of 2026-09-14 UTC, this review-only candidate remains a conditional shortlist rather than an unconditional leaderboard. In savings, CIT Platinum Savings is independently cross-checked at up to 4.10% APY only at $5,000 or more during a six-month CITBOOST offer, Vio Online Savings is 3.95% on all balances effective 2026-09-11, SoFi Checking and Savings shows 3.10% for eligible direct deposit or qualifying deposits and up to 4.00% with a time-limited boost, Marcus Online Savings shows 3.40% as of 2026-09-13, Ally Online Savings shows 3.00% on all balances at 2026-09-14 retrieval without a separate as-of date, American Express High Yield Savings shows 3.00% advertised as accurate 2026-09-14, and Capital One 360 Performance Savings has a live-page numeric rendering issue while its dated disclosure gives 3.00% APY. For cash management, Vanguard Cash Plus shows a 3.35% bank-sweep APY as of 2026-09-13 including a temporary 0.25% boost through 2026-09-30; Wealthfront Cash shows a 3.30% base APY; Betterment Cash Reserve shows a 3.25% base plus a conditional 0.75% boost; Empower Personal Cash displays 3.30%; Webull displays 3.35% for Premium; Robinhood shows 3.35% for Gold as of 2026-02-11; and Fidelity shows a 1.84% FDIC sweep APY as of 2026-09-11. Fidelity's $FZSXX figure is a separate 3.34% seven-day fund yield 3.39% effective yield as of 2026-09-10, not an APY or FDIC deposit. No unconditional winner is inferred.

The clearest best-for designations are CIT for the highest verified effective savings rate when the $5,000 tier, code, and six-month promotion are acceptable; Vio for a clean all-balance rate when its five-business-day ACH hold is acceptable; SoFi for an eligible direct-deposit or qualifying-deposit household; and Marcus for a low-friction standard rate with same-day transfers up to $100,000. For cash management, Vanguard is best for the highest dated full-sweep quote while its boost lasts, Wealthfront for instant-liquidity review, Betterment for a qualifying promotional boost, and Empower for documented $100,000-per-day withdrawals. Every figure below is labeled as base, promotional, conditional, paid-tier, 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. Provider effective dates control freshness; a term not exposed in the reviewed source remains unknown.