Public Kempax report

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

Kempax Research

Loop report · 2026-09-16

Daily Best High-Yield Savings & Cash Management Accounts — 2026-09-17

As of 2026-09-17 UTC, this review-only candidate remains a qualified shortlist rather than an unconditional leaderboard. The savings shortlist is Oloy High-Yield Savings at 4.15% for $25,000–$2,999,999.99 and 3.85% below that tier, Live Oak Personal Savings at 4.00% with no minimum opening balance, Happen LevelUp Savings at 4.00% only with $250 or more in monthly deposits and 3.00% otherwise, Vio Online Savings at 3.95% on all balances, and Bread High Yield Savings at 3.95%. CIT's standard official tier is 3.75% at $5,000 or more and 0.25% below that tier; its displayed 4.10% six-month promotion is not treated as ongoing. EverBank's 3.90% is new-account-only, while Bask is 3.75% effective 2026-09-17 and Marcus is 3.40% as of 2026-09-16. Capital One is 3.00% effective 2026-09-17. No unconditional winner is inferred.

For cash management, Vanguard Cash Plus is the clearest current dated no-fee bank-sweep comparator at 3.35% as of 2026-09-16, 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%; Public High-Yield Cash Account displays 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 2026-09-15. $SPAXX is a separate 3.34% seven-day-yield option, not an FDIC APY. Every figure below is labeled as base, promotional, conditional, paid-tier, stale, undated, historical, or structurally different where applicable.

The clearest best-for designations are Oloy for $25,000-plus balances within its top tier; Live Oak for a no-minimum, no-monthly-fee base quote when the older rate date and incomplete transfer terms are acceptable; Happen for a household able to make the monthly deposit; Vio for an all-balance rate when the ACH hold is acceptable; and Bread for a current 3.95% personal account when its incomplete withdrawal terms are confirmed. For cash management, Vanguard is best for a simple no-fee bank sweep while its temporary boost lasts, Wealthfront for documented instant-access features, Public for an undated 3.30% sweep with disclosed standard instant limits, Betterment for a qualifying boost or robo-advisor relationship, and Fidelity for transaction access when its lower FDIC-sweep yield is acceptable. No external action is authorized before responsible portfolio or treasury lead review and approval.

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.