Your numbers
What matters most
Our pick for you
Wealthfront Cash
Highest broadly-available APY with serious FDIC coverage through partner banks. Pairs with Wealthfront's investing app.
Annual interest on $10,000
$485.00
vs. the national 0.46% average
+$439.00/yr
All accounts
Ranked by APY
Rates as of 2026-04-21 · check provider for current APY
Wealthfront Cash
FDIC insured · No monthly fees
4.85%
$485.00/yr
Up to $8M FDIC via partner banks
SoFi Savings
FDIC insured · No monthly fees
4.70%
$470.00/yr
Direct-deposit APY boost
Ally Online Savings
FDIC insured · No monthly fees
4.50%
$450.00/yr
Buckets for subgoals
Marcus by Goldman
FDIC insured · No monthly fees
4.40%
$440.00/yr
AutoSave rules
Discover Online Savings
FDIC insured · No monthly fees
4.25%
$425.00/yr
1% cashback checking pairs
Capital One 360 Performance
FDIC insured · No monthly fees
4.10%
$410.00/yr
Physical Cafés
Rates change weekly. The sorted order above reflects today's published APYs; the personalized pick above is keyed to your priority, not just the top rate.
How we rank these
APY is the headline — not the whole story
We show APY first because it's the most comparable number. But the top-APY account isn't always the right account — SoFi's headline rate needs direct deposit, Wealthfront pairs with investing, Ally's buckets beat a single pile of cash.
FDIC insurance is non-negotiable
Every account on this list carries FDIC (or NCUA) coverage up to standard limits — $250K per depositor, per institution, per ownership category. Wealthfront goes further, spreading deposits across partner banks for multi-million coverage.
Your priority picks — not the top line
The recommendation above reflects what YOU said matters. Highest APY, simplest account, branches you can walk into, goal-organizing buckets, or an all-in-one bundle — each routes to a different pick.