High-Yield Savings Account Comparison

Betterment vs. Chase Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Betterment

Cash Reserve

3.50%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.7
BBB Rating
A-(BBB Accredited)

Rate Stability

Rate Adjusted
-0.50%
Since 90 days ago
Read Bank Overview

Chase Bank

Chase Savings℠

0.01%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$5
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 628)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.6
BBB Rating
A-(Not BBB Accredited)

Important Note

APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc.

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Betterment vs. Chase Bank Savings Calculator

Calculations based on current APY for Cash Reserve and Chase Savings℠
$
$

Betterment earns $2,108.4 more than Chase Bank.

Betterment

Cash Reserve

3.50% APY

Savings Breakdown

  • Interest Earned
    +$2,114.10(10.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,114.10

Effective APY
3.50%
View Details

Chase Bank

Chase Savings℠

0.01% APY

Savings Breakdown

  • Interest Earned
    +$5.70(0.0%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$18,005.70

Effective APY
0.01%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Betterment vs. Chase Bank

Updated: Dec 10, 2025

Why Betterment?

  • ✓Higher potential APY (3.50% vs 0.01%) on all balances
  • ✓No checking account or direct deposit required

Why Chase Bank?

No distinct advantages found vs Betterment.

— Key Feature Differences —

Better Returns at $10,000
Betterment

Betterment's Cash Reserve earns more on smaller deposits (approx. $350 vs $1/yr).

Better Returns at $25,000
Betterment

Betterment's Cash Reserve pulls ahead with larger amounts (approx. $875 vs $3/yr).

Best for Simplicity
Betterment

Betterment's Cash Reserve offers 3.50% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Betterment's Cash Reserve pays $349 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

Chase BankBetterment
Automated Data Audit

Executive Summary

Betterment offers a significantly higher APY of 3.50% with its Cash Reserve savings account, which is an online-only product requiring a minimum deposit of just $10 and has no maintenance fees. This account is ideal for those seeking simplicity, as it does not require direct deposit or have any caps on earnings. In contrast, Chase Bank's savings account provides a minimal APY of 0.01%, and while it has no minimum deposit requirement, it does charge a maintenance fee of $5, which can be waived under certain conditions. Overall, Betterment stands out as the more lucrative option.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreBettermentExploreChase Bank

Stop Losing Interest

See who beats both Betterment and Chase Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+1.10% vs Betterment
Better Rate
Pibank vs BettermentPibank vs Chase Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.81% vs Betterment
Better Rate
Axos Bank vs BettermentAxos Bank vs Chase Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.90% vs Betterment
Better Rate
TIMBR vs BettermentTIMBR vs Chase Bank
FeatureBettermentChase Bank
APY
3.50%
Verified: 12/10/2025
↘︎ 0.50%90d Change
0.01%
Verified: 12/10/2025
Stable (90d)
Product NameCash ReserveChase Savings℠
Minimum Deposit$10$0
Min. Balance for APY$0$0
Monthly Fee$0$5
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.8
Android4.7
iOS4.8
Android4.6
BBB RatingA-A-
Important Notes-APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc.
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricBettermentChase Bank
Cash ReserveChase Savings℠
Current APY
3.50%0.01%
Trend
 Stable Stable
Velocity (bps/mo)
-4.7-0.0
Days Since Change
39315
10-Month High
4.00%0.01%
10-Month Low
3.50%0.01%
Adjustments / Mo
0.190.00
Volatility Score
0.0490.000
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 316-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

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Compare Chase Bank vs...

Comparing against Standard Savings

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PibankNo Bundle Req
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APY
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Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

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Axos Bank View Details
4.31%
APY
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4.30%
APY
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More Comparisons

Compare Betterment's APY of 3.50% with other banks
Bank PairCompetitor APYMin Deposit
Betterment vs Affirm3.60%$0
Betterment vs Ally Bank3.30%$0
Betterment vs American Express3.40%$0
Betterment vs Axos Bank4.31%$0
Betterment vs Bank of America0.01%$100
Betterment vs Barclays4.00%$0
Betterment vs Bask Bank3.90%$0
Betterment vs BMO Alto3.25%$0
Betterment vs Bread Savings4.10%$100
Betterment vs BrioDirect4.00%$5,000
Betterment vs Capital One3.40%$0
Betterment vs Charles Schwab Bank0.15%$0
Betterment vs Chime3.50%$0
Betterment vs CIT Bank3.75%$100
Betterment vs Citibank3.30%$0
Betterment vs Citizens Access™3.15%$0.01
Betterment vs Climate First Bank4.21%$50
Betterment vs Discover Bank3.40%$0
Betterment vs E*TRADE from Morgan Stanley3.75%$0
Betterment vs Elevault4.08%$0
Betterment vs EverBank4.05%$0
Betterment vs Fitness Bank4.75%$100
Betterment vs FNBO Direct3.00%$1
Betterment vs Forbright Bank4.00%$0
Betterment vs FVCbank3.85%$500
Betterment vs GO2bank4.50%$0
Betterment vs Ivy Bank4.25%$2,500
Betterment vs LendingClub4.20%$0
Betterment vs Marcus by Goldman Sachs3.65%$0
Betterment vs Neighbors Bank4.30%$0
Betterment vs Newtek Bank4.35%$0.01
Betterment vs Openbank4.20%$500
Betterment vs Peak Bank4.20%$100
Betterment vs Pibank4.60%$0
Betterment vs PNC3.53%$0
Betterment vs Presidential Bank4.00%$5,000
Betterment vs Quontic Bank3.75%$100
Betterment vs Salem Five Direct3.71%$10
Betterment vs Sallie Mae Bank3.90%$0
Betterment vs Santander Bank0.01%$25
Betterment vs SoFi Bank4.30%$0
Betterment vs Synchrony Bank3.65%$0
Betterment vs TD Bank2.75%$0
Betterment vs TIMBR4.40%$1,000
Betterment vs UFB Direct3.71%$5000
Betterment vs Upgrade3.05%$0
Betterment vs Valley Direct4.10%$1,000
Betterment vs Varo Bank5.00%$0
Betterment vs Vio Bank4.16%$100
Betterment vs Wealthfront4.15%$0
Betterment vs Wells Fargo0.05%$25
Betterment vs Zynlo Bank4.05%$10
Compare Chase Bank's APY of 0.01% with other banks
Bank PairCompetitor APYMin Deposit
Chase Bank vs Affirm3.60%$0
Chase Bank vs Ally Bank3.30%$0
Chase Bank vs American Express3.40%$0
Chase Bank vs Axos Bank4.31%$0
Chase Bank vs Bank of America0.01%$100
Chase Bank vs Barclays4.00%$0
Chase Bank vs Bask Bank3.90%$0
Chase Bank vs BMO Alto3.25%$0
Chase Bank vs Bread Savings4.10%$100
Chase Bank vs BrioDirect4.00%$5,000
Chase Bank vs Capital One3.40%$0
Chase Bank vs Charles Schwab Bank0.15%$0
Chase Bank vs Chime3.50%$0
Chase Bank vs CIT Bank3.75%$100
Chase Bank vs Citibank3.30%$0
Chase Bank vs Citizens Access™3.15%$0.01
Chase Bank vs Climate First Bank4.21%$50
Chase Bank vs Discover Bank3.40%$0
Chase Bank vs E*TRADE from Morgan Stanley3.75%$0
Chase Bank vs Elevault4.08%$0
Chase Bank vs EverBank4.05%$0
Chase Bank vs Fitness Bank4.75%$100
Chase Bank vs FNBO Direct3.00%$1
Chase Bank vs Forbright Bank4.00%$0
Chase Bank vs FVCbank3.85%$500
Chase Bank vs GO2bank4.50%$0
Chase Bank vs Ivy Bank4.25%$2,500
Chase Bank vs LendingClub4.20%$0
Chase Bank vs Marcus by Goldman Sachs3.65%$0
Chase Bank vs Neighbors Bank4.30%$0
Chase Bank vs Newtek Bank4.35%$0.01
Chase Bank vs Openbank4.20%$500
Chase Bank vs Peak Bank4.20%$100
Chase Bank vs Pibank4.60%$0
Chase Bank vs PNC3.53%$0
Chase Bank vs Presidential Bank4.00%$5,000
Chase Bank vs Quontic Bank3.75%$100
Chase Bank vs Salem Five Direct3.71%$10
Chase Bank vs Sallie Mae Bank3.90%$0
Chase Bank vs Santander Bank0.01%$25
Chase Bank vs SoFi Bank4.30%$0
Chase Bank vs Synchrony Bank3.65%$0
Chase Bank vs TD Bank2.75%$0
Chase Bank vs TIMBR4.40%$1,000
Chase Bank vs UFB Direct3.71%$5000
Chase Bank vs Upgrade3.05%$0
Chase Bank vs Valley Direct4.10%$1,000
Chase Bank vs Varo Bank5.00%$0
Chase Bank vs Vio Bank4.16%$100
Chase Bank vs Wealthfront4.15%$0
Chase Bank vs Wells Fargo0.05%$25
Chase Bank vs Zynlo Bank4.05%$10