Public Kempax report

Daily Best High Yield Savings & Cash Management Accounts · 2026-10-18

Kempax Research

Loop report · 2026-10-18

Daily Best High-Yield Savings & Cash Management Accounts — 2026-10-19

The 2026-10-19 review uses current-run provider disclosures read or refreshed on 2026-10-19 UTC; comparison pages are used only to discover candidates and cross-check rate direction. Rates are variable unless stated otherwise.

The current high-yield savings order is led by Vio Online Savings at 4.01% APY on all balances, effective 2026-10-16, followed by CIT Platinum Savings at 3.75% on $5,000+ and CIT Savings Connect at 3.65% on all balances. Marcus Online Savings is 3.50% as of 2026-10-18. SoFi is a conditional 3.30% qualifying rate with a 0.80% fallback and temporary path to 4.20%; American Express has a 3.20% secondary cross-check while its official page exposes only a variable rate as of 2026-10-19. Capital One is provisionally 3.10%, and Happen LevelUp is 4.20% only when its $250 evaluation-period deposit condition is met, otherwise 3.00%. Best-for labels are Vio for the highest verified unconditional base rate, CIT Platinum for $5,000+ balances, CIT Savings Connect for a simpler no-tier option, Marcus for no-fee access with a documented $100,000 same-day threshold, SoFi for integrated checking and savings, and Happen for a conditional small-deposit strategy.

The current cash-management order is led by Wealthfront Cash at a 3.55% base APY as of 2026-10-01, followed by Vanguard Cash Plus at 3.50% as of 2026-10-18, Empower Personal Cash at 3.50%, and Betterment Cash Reserve at 3.50% as of 2026-09-21. Public High-Yield Cash shows 3.30% core APY or 3.75% with a $20 month Reserve subscription; Fidelity Cash Management shows a 1.96% FDIC-sweep APY as of 2026-10-16. Fidelity's separate $SPAXX figure is a 3.50% seven-day yield 3.57% effective yield, not a bank APY or FDIC-insured deposit. Best-for labels are Wealthfront for the strongest base-yield liquidity balance, Vanguard for a no-qualification bank sweep, Empower for a high-capacity CMA, Betterment for a promotional new-client path, Public for no subscription, and Fidelity for feature-rich Fidelity cash rails.

The current rows use only the accepted 2026-10-19 evidence pack. Existing retained rows remain for continuity; a stale, capped, conditional, undated, or structurally different signal is labeled as held or historical rather than presented as an unconditional match.

Best-for labels are use-case designations for portfolio or treasury lead review. Analyst review is due by EOD, and no account opening, funding, funds movement, or other external action is authorized before portfolio or treasury approval.

Official provider disclosures control. Secondary sources corroborate direction only. APY is not converted to fund yield, a fund seven-day yield is not treated as APY, and an unestablished term remains unknown.

Material qualifications remain: Vio's five-business-day ACH funding hold and outgoing cap are incomplete; CIT's base APYs are dated 2026-07-01 and BOOST50 is temporary; SoFi's rate pages carry a date conflict and its savings ACH cap is unknown; American Express's 3.20% numeric rate is secondary pending a direct re-read; Capital One's official page rendered a dynamic NaN ; Happen's 4.20% requires $250 per evaluation cycle; Wealthfront's up-to-4.45% maximum is conditional and coverage depends on sweep arrival; Betterment's boost and dated program-bank list remain conditional; Public's paid Reserve rate must be netted against $20 month; Fidelity's sweep and money-market yields are different instruments; Vanguard's numeric limits remain open; and Robinhood was excluded after its tested support URL returned 404.