Public Kempax report

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

Kempax Research

Loop report · 2026-10-19

Daily Best High-Yield Savings & Cash Management Accounts — 2026-10-20

The 2026-10-20 review uses the accepted provider disclosures read on 2026-10-20 UTC; comparison pages are secondary corroboration only. Rates are variable unless stated otherwise, and promotional or qualifying rates are not unconditional.

The current high-yield savings review is led by CIT Platinum Savings at 3.75% APY on $5,000+ 0.25% below $5,000 , with a temporary 4.25% BOOST50 path for six months. SoFi Checking and Savings is 3.30% with qualifying activity, 0.80% without it, and up to 4.20% only through a temporary boost. Bask Interest Savings is a flat 3.90% as of 2026-10-20; Marcus is 3.50% as of 2026-10-19; Quorum HighQ displays 3.50% with a paper-statement fee condition; Alliant is 3.01% effective 2026-10-15; and PenFed is 2.70% as of 2026-10-01. Best-for labels are CIT for $5,000+ balances, Bask for a simple flat bank rate, SoFi for eligible checking-and-savings users, Marcus for no-fee access with a documented $100,000 same-day threshold, Quorum for liquid credit-union savings, Alliant for ATM access and goal buckets, and PenFed for a low-opening-minimum NCUA option.

The current cash-management order is led by Robinhood High-Yield Cash at 3.60% for Gold members, followed by Wealthfront Cash at a 3.55% base APY, Betterment Cash Reserve at 3.50%, Public High-Yield Cash at 3.30% core APY, and Fidelity Cash Management at a 1.96% FDIC-sweep APY. Fidelity's separate $SPAXX figure is a 3.50% seven-day yield 3.57% effective yield, not a bank APY or FDIC-insured deposit. SoFi remains an adjacent bank-deposit comparator, not a sweep-account rank. Best-for labels are Robinhood for the highest reviewed base rate when Gold is worthwhile, Wealthfront for no-fee base yield and broad access, Betterment for no withdrawal-count limit, Public for no-subscription high-capacity cash, and Fidelity for feature-rich brokerage banking rails.

The current rows use only the accepted 2026-10-20 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: CIT's base APYs are dated 2026-07-01 and BOOST50 is temporary; SoFi's rate pages carry a date conflict and its movement caps are incomplete; Bask's exact transfer limits and opening-deposit minimum are unknown; Marcus's broader transfer limits remain unknown; Quorum's paper-statement fee and membership gate matter; Alliant's opening minimum and movement caps are unknown; PenFed's withdrawal and ATM answers were not exposed; Robinhood's Gold fee and 2025 coverage date matter; Wealthfront has conflicting official rate dates and conditional promotional math; 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; and FDIC NCUA coverage depends on ownership, capacity, and aggregation rules.