Wealthfront savings rates
Wealthfront advertises up to 3.95% APY on its Cash Account. That 3.95% is a promotional rate for three months. The account advertises 3.30% after it ends. APY Boost Promotion: eligible new clients (never held a Wealthfront account) receive a one-time 0.65% APY increase over the standard APY for three months, on up to $150,000 aggregate balance. Time-limited; reverts to base APY after three months.
On a $10,000 balance the account earns 3.46% overall, about $346 in a year, which is 3.08 percentage points above the national savings average of 0.38% (FDIC, Aug 2026).
Ranked #50 of 1174 tracked savings rates by advertised APY. For a $10,000 balance it would rank #88. It was #29 three months ago. The advertised rate has not changed in the 33 weeks since Banksparency began tracking it.
Wealthfront at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 3.95% · Cash Account · promotional rate |
| Minimum to open | $0 · Cash Account |
| Against the national average | 3.57 percentage points above the 0.38% FDIC savings average (Aug 2026) |
| Website | www.wealthfront.com |
|---|---|
| Availability | Nationally available |
Wealthfront savings rates
Rates are APY. The national savings average is 0.38% (FDIC, Aug 2026). The top tracked savings rate on Banksparency is 5.50%. Across 60 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.50%, and one account in ten advertises 4.01% or more. See the highest savings rates.
Interactive Tool
Calculate Savings for Wealthfront
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$1,284.70(8.4%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,284.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Cash Account | 3.95% | $0 | $0 | None | $0 | None | Promotional (three months) | |
| Promotional terms: APY Boost Promotion: eligible new clients (never held a Wealthfront account) receive a one-time 0.65% APY increase over the standard APY for three months, on up to $150,000 aggregate balance. Time-limited; reverts to base APY after three months. | ||||||||
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
Every requirement above is explicit: no minimum, no fee, no direct deposit, no linked account (observed Sep 14, 2026).
Opening and using the account
| Availability | Nationally available |
|---|---|
| App Store rating | 4.8 out of 5 |
| Google Play rating | 4.9 out of 5 |
| Eligibility | not stated |
How Wealthfront behaves over time
- 12-month high
- 3.95%
- 12-month low
- 3.90%
- Advertised now
- 3.95%
- At the 12-month high
The advertised Cash Account rate, observed through Sep 14, 2026. The series includes promotional tiers where one applied.
Wealthfront has not changed its advertised savings rate in the 33 weeks since Banksparency began tracking it.
- Cash Account
- Up 0.05 percentage points from 90 days ago.
- Rate last changed
- Aug 6, 2026(effective date)
$10,000 at the 3.95% APY Wealthfront advertises on Cash Account grows to $10,395 in a year. Prices rose 3.4% in the year to July 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $10,057 does today. The top rate is promotional. See how the federal funds rate shapes savings rates.
- Cash Account APY
- Banksparency savings index
- Consumer price index, year over year
Who is Wealthfront?
| Founded | 2008 |
|---|---|
| BBB rating | F · Not BBB Accredited |
Common questions about Wealthfront
What is the minimum deposit at Wealthfront?
Wealthfront requires no minimum deposit to open its Cash Account, as observed on Sep 14, 2026. Check the bank's current terms before you open an account.
Is the 3.95% at Wealthfront a promotional rate?
That 3.95% is a promotional rate for three months. The account advertises 3.30% after it ends. Rates are as observed on Sep 14, 2026.
Wealthfront against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Wealthfront | 3.95% | not stated | $0 | not stated |
| Bread Savings | 3.95% | 3.70% | $100 | 1 branch in UT |
| TIMBR | 3.95% | 3.21% | $1,000 | not stated |
| Vio Bank | 3.95% | 2.24% | $100 | not stated |
Alternatives are the three tracked banks whose highest savings APY is closest to Wealthfront's.
Compare Wealthfront with another bank
Each link opens a full comparison page, with the two banks side by side and their current savings rates.
- Wealthfront vs Openbank
CIT Bank last changed on February 4, 2026, up 10 basis points. Wealthfront last changed on August 6, 2026, down 60 basis points.
Wealthfront vs CIT Bank- Wealthfront vs Barclays
Marcus by Goldman Sachs last changed its rate on June 3, 2026, down 10 basis points. Wealthfront last changed its rate on August 6, 2026, down 60 basis points.
Wealthfront vs Marcus by Goldman SachsWealthfront has offered the higher headline APY since August 12, 2026, by 20 basis points today. Wealthfront's Cash Account has a minimum balance of $0, while SoFi Bank's SoFi Savings also has a minimum balance of $0.
Wealthfront vs SoFi BankAxos Bank last changed on February 2, 2026, down 10 basis points. Wealthfront last changed on August 6, 2026, down 60 basis points.
Wealthfront vs Axos Bank
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