Public Kempax report

Daily Best High Yield Savings & Cash Management Accounts · 2026-09-15

Kempax Research

Loop report · 2026-09-15

Daily Best High-Yield Savings & Cash Management Accounts — 2026-09-16

As of 2026-09-16 UTC, this review-only candidate remains a qualified shortlist rather than an unconditional leaderboard. In savings, the accepted secondary cross-check displays CIT Platinum Savings at 4.10% APY for six months at $5,000 or more, but the current official product read confirms only 3.75% at $5,000 or more and 0.25% below that tier, with no current promotion surfaced. Happen LevelUp Savings is 4.00% only with $250 or more in total monthly deposits and 3.00% otherwise; Vio Online Savings is 3.95% on all balances effective 2026-09-11, with a typical five-business-day ACH deposit hold. SoFi Checking and Savings shows 3.10% base APY as of 2026-03-31 and up to 4.00% with qualifying deposits for up to six months. Marcus Online Savings is 3.40% as of 2026-09-15; Ally Online Savings is 3.00% accurate 2026-09-15; and Capital One 360 Performance Savings is 3.00% effective 2026-09-16. Bread, Bask, American Express, and other retained rows are prior observations unless explicitly supported in the current ledgers. For cash management, Vanguard Cash Plus is the best-for current dated no-fee bank-sweep comparator at 3.35% as of 2026-09-15, including a temporary 0.25% boost through 2026-09-30. Wealthfront Cash has a 3.30% base dated 2026-01-30 and conditional boosts up to 4.20%; Empower Personal Cash and Public High-Yield Cash Account each display 3.30% without a provider as-of date; Betterment Cash Reserve is 3.25% as of 2025-12-12 plus a conditional 0.75% new-client boost; and Fidelity shows a 1.84% FDIC sweep APY as of 2026-09-14 and separate $FZSXX 3.34% seven-day 3.39% effective yields as of 2026-09-15. No unconditional winner is inferred.

The clearest best-for designations are Happen for an eligible monthly-deposit household seeking its current conditional 4.00% rate; Vio for an all-balance 3.95% savings quote when the ACH hold is acceptable; Marcus for a low-friction standard rate with same-day transfers up to $100,000; CIT for a $5,000-plus saver using the current 3.75% base while its displayed promotion remains unconfirmed in the official read; and SoFi for a qualifying direct-deposit or qualifying-deposit household. For cash management, Vanguard is best for a simple no-fee bank sweep while its temporary boost lasts, and Wealthfront is best for instant-liquidity review where a dated base and conditional boosts are acceptable. E TRADE Premium Savings remains a prior-run adjacent bank-deposit comparator, not a current-run cash leader. Every figure below is labeled as base, promotional, conditional, paid-tier, stale, undated, historical, 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.