Skip to content
MFA Savings & CDs

What should your cash be earning?

Compare high-yield savings, cash-management accounts and CDs using the amount you actually have. MFA re-checks machine-readable official bank pages when this experience loads or returns after its cache is stale, keeps source-dated fallbacks when a bank blocks automation, and never invents a national APY for ZIP- or relationship-priced products.

Live bank-source check Oct 27, 8:54 AMMachine-readable rates: 16 products · 14/15 source pages reachable2 source results need manual review

Quick mode is on

Use amount + horizon with standard APYs only. Current-account comparisons, promos, large-bank benchmarks and the full catalog stay out of the way until Full.

Your cash scenario

Compare the dollars, not just the APY.

Top modeled savings rate

3.75%

≈ $3,750 modeled interest

Standard APYs are modeled unchanged for comparison. Eligible promo boosts apply only for their stated period/cap, then the model reverts to the standard APY. Actual rates can change.

Quick view: showing the five strongest standard-APY options first. Promotional APYs and any saved current-APY baseline are excluded from Quick math; open Full to compare those assumptions, large-bank benchmarks and the full catalog.

Savings rate comparison

Ranked by modeled interest for $100,000 over 1 year.

CIT Bank logo

CIT Bank

Highest modeled interest

Platinum Savings

Official source checked todayRate as of Jul 1, 2026Official source

Standard APY

3.75%

Modeled interest

$3,750

Ending balance ≈ $103,750

Watches the standard source-published APY at this saved balance/tier context. Temporary promotional boosts are not used as the watch baseline.

Requirements, fees & access +

Minimum / fees

$100 to open · $0 monthly fee

Requirements

3.75% APY applies to balances of $5,000 or more; balances below $5,000 earn the lower published tier. $100 minimum opening deposit.

Deposit protection / access

CIT Bank / First Citizens Bank · Member FDIC. Tiered variable-rate savings.

Wealthfront logo

Wealthfront

Cash Account

Official source checked todayRate as of Sep 18, 2026Official source

Standard APY

3.55%

Modeled interest

$3,550

Ending balance ≈ $103,550

Watches the standard source-published APY at this saved balance/tier context. Temporary promotional boosts are not used as the watch baseline.

Requirements, fees & access +

Minimum / fees

$1 to open · $0 monthly fee

Requirements

Wealthfront is not a bank; the base APY is provided through program banks.

Deposit protection / access

Cash sweep through participating program banks. Cash-management account with checking-like features.

Marcus logo

Marcus by Goldman Sachs

Online Savings Account

Official source checked todayRate as of Oct 27, 2026Official source

Standard APY

3.50%

Modeled interest

$3,500

Ending balance ≈ $103,500

Watches the standard source-published APY at this saved balance/tier context. Temporary promotional boosts are not used as the watch baseline.

Requirements, fees & access +

Minimum / fees

No opening minimum · $0 monthly fee

Requirements

No minimum deposit and no monthly fee.

Deposit protection / access

Goldman Sachs Bank USA · Member FDIC. Variable-rate savings; current Marcus terms allow unlimited withdrawals.

Betterment logo

Betterment

Cash Reserve

Official source checked todayRate as of Sep 21, 2026Official source

Standard APY

3.50%

Modeled interest

$3,500

Ending balance ≈ $103,500

Watches the standard source-published APY at this saved balance/tier context. Temporary promotional boosts are not used as the watch baseline.

Requirements, fees & access +

Minimum / fees

$10 to open · $0 monthly fee

Requirements

Betterment is not a bank; Cash Reserve requires a Betterment Securities brokerage account.

Deposit protection / access

Cash sweep through participating program banks. Cash reserve / program-bank sweep product.

SoFi logo

SoFi Bank

Checking and Savings

Official source checked todayRate as of May 28, 2026Official source

Standard APY

3.30%

Modeled interest

$3,300

Ending balance ≈ $103,300

Watches the standard source-published APY at this saved balance/tier context. Temporary promotional boosts are not used as the watch baseline.

Requirements, fees & access +

Minimum / fees

No opening minimum · $0 monthly fee

Requirements

3.10% high-yield savings APY requires eligible direct deposit or $5,000+ of qualifying deposits every 31 days under current terms.

Deposit protection / access

SoFi Bank, N.A. · Member FDIC. Savings is paired with a SoFi Checking account.

APY is not a promise.

Savings APYs are variable. MFA's multi-year savings projection assumes today's APY stays unchanged only to make products comparable. Always verify the bank's current rate before opening or moving money.

Know your FDIC coverage.

The standard FDIC insurance amount is generally $250,000 per depositor, per insured bank, for each ownership category. Cash-sweep products can use multiple program banks; their terms and exclusions matter.

FDIC guidance

Rate methodology

MFA ranks standard rates separately from temporary boosts, models tiered APYs using your entered balance, labels cash-management products separately from bank savings accounts, and links every rate back to its source.

Live source checks run automatically. If a bank blocks machine access or hides a rate behind ZIP/relationship pricing, MFA preserves the last verified snapshot and labels it instead of guessing.

Share the cash scenario

Show the dollar difference.

The shared scenario keeps the balance, horizon, promo toggle and your current APY baseline when entered, so someone else can rerun the same comparison.

Turn this result into a decision.

Compare it with another snapshot, keep your reasoning and set your next step.

Inputs, estimates & source dates

Keep this result

Save it to My MFA and come back later.

This keeps the scenario in your private My MFA workspace so you can reopen, compare and organize it. It does not publish the scenario.

Share or export

Send the scenario, copy a rerunnable link, or export a branded file.

Sharing is separate from saving to My MFA. Public links carry only the scenario inputs needed to reproduce this view.

PNG and PDF use the same high-resolution MFA export layout with result context and assumptions. On iPhone, Save PNG can open the iOS share sheet. MyFriendAlex.org is the full experience · MFA.Money is the short address.

Educational comparison only, not a recommendation or bank endorsement. Rates, promotions, account availability, balance tiers, fees and deposit-insurance eligibility can change. Interest estimates assume principal remains deposited and ignore taxes. Verify current terms with the financial institution before acting.