Betterment vs. Ivy Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Betterment
Cash Reserve
3.50%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Betterment
Cash Reserve
Ivy Bank
High-Yield Savings Account
Up to4.25%APYDec 10, 2025FDIC InsuredMod. MinimumGreat iOS AppRange: 0.05% – 4.25%Show Fine Print & Trends Hide Details
Ivy Bank
High-Yield Savings Account
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Betterment vs. Ivy Bank Savings Calculator
Ivy Bank earns $482.7 more than Betterment.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
Ivy Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,596.80(12.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,596.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Betterment vs. Ivy Bank
Why Betterment?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.7 vs 3.5)
- ✓Available Nationwide
Why Ivy Bank?
- ✓Higher potential APY (4.25% vs 3.50%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Ivy BankIvy Bank's High-Yield Savings Account earns more on smaller deposits (approx. $425 vs $350/yr).
Better Returns at $25,000
Ivy BankIvy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1063 vs $875/yr).
Best for Simplicity
BettermentBetterment's Cash Reserve offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account pays $75 more interest on a $10,000 balance than Betterment's Cash Reserve.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Ivy Bank offers a High-Yield Savings Account with a competitive APY of 4.25%, making it the winner in this comparison. This account requires a minimum deposit and balance of $2,500, and is available online only. In contrast, Betterment's Cash Reserve provides a simpler option with a 3.50% APY and no minimum balance or deposit requirements, also online only. Both accounts have no maintenance fees and are FDIC insured, but Ivy Bank's higher yield makes it more advantageous for those who can meet the deposit requirement.
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.
Top Market Contenders
See who beats both Betterment and Ivy Bank.
| Feature | Betterment | Ivy Bank |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 4.25% Range: 0.05% - 4.25% Verified: 12/10/2025 - |
| Product Name | Cash Reserve | High-Yield Savings Account |
| Minimum Deposit | $10 | $2,500 |
| Min. Balance for APY | $0 | $2,500 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.7 | iOS4.7 Android3.5 |
| BBB Rating | A- | A- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | Ivy Bank |
|---|---|---|
| Cash Reserve | High-Yield Savings Account | |
Current APY | 3.50% | 4.25% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 26 | 26 |
1-Month High | 3.50% | 4.25% |
1-Month Low | 3.50% | 4.25% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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