Public Kempax report
Daily Best High Yield Savings & Cash Management Accounts · 2026-10-24
Kempax Research
Loop report · 2026-10-24
Daily Best High-Yield Savings & Cash Management Accounts — 2026-10-25
Research as of: 2026-10-25 UTC. Bask’s issuer rate table is effective October 25; promotional yields remain separate from ongoing base rates. Rates are variable; this is a review shortlist, not an account-opening instruction.
Current ranked choices
- High-yield savings — Bask Interest Savings; best for a fresh, no-minimum base rate. Bask reports 3.90% APY 3.82% interest effective October 25, with no minimum balance and no account fees; opening funds are due within 15 business days. The page does not specify withdrawal limits, transfer timing, or complete eligibility terms. Bask current rates · Bask Interest Savings
- High-yield savings promotion — Openbank High Yield Savings; best for eligible new customers seeking a six-month boost. The latest official capture October 24 states a 4.00% standard variable APY plus a 0.35-point boost for six months up to 4.35% , with a $500 minimum to open and no fees stated. Secondary rate checks on October 25 continue to show the 4.35% boosted offer, but the issuer page could not be re-read today. Eligibility, offer availability, withdrawal caps, and settlement timing remain unconfirmed today. Openbank account and offer · MonitorBankRates cross-check
- Cash management — Wealthfront Cash Account; best for no-fee cash features and broad access. The provider page indexed October 25 advertises 3.55% base APY and a 4.20% APY introductory offer for new clients for three months, then the 3.55% base. No account fee and free 24 7 instant withdrawals to eligible external accounts are advertised. Eligible swept deposits may qualify for up to $8 million FDIC coverage, subject to program-bank placement and applicable limits. Offer eligibility and withdrawal exceptions remain unresolved. Wealthfront Cash
Savings and cash management are ranked within separate account types. Bask is the strongest freshly dated, unconditional base-rate savings candidate in today’s evidence. Openbank’s higher headline is temporary, qualification-dependent, and not re-verified on the issuer page today; do not compare 4.35% as a permanent base. Wealthfront’s 4.20% introductory offer is distinct from its 3.55% base, and cash-sweep coverage differs from a direct bank deposit. These are shortlist designations for portfolio treasury lead review, not approvals. No external action is authorized pending that approval.
Evidence and caveats
Issuer disclosures control; Bankrate, NerdWallet, and MonitorBankRates were used only as market cross-checks and do not supersede provider terms. Bask’s official rates table was retrieved October 25 and does not state withdrawal limits, transfer timing, or complete eligibility. Openbank’s October 24 issuer capture is not freshly reconfirmed; secondary checks support the 4.35% promotional ceiling, but do not settle issuer availability, transfer withdrawal limits, or settlement times. Wealthfront’s indexed provider listing now shows 4.20% for new clients over three months, after which 3.55% applies; prior rate-support wording about other conditional boosts may be stale. Wealthfront is not a bank; FDIC eligibility depends on cash reaching program banks, placement, and ownership limits. Confirm current variable rates, eligibility, liquidity terms, and insurance arrangements in controlling disclosures before any selection.