Ivy Bank vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Ivy Bank vs. Wealthfront
Key Metrics at a Glance
| Feature | Ivy Bank | Wealthfront |
|---|---|---|
| Top Savings APY | 4.25% High-Yield Savings Account | 4.15% Cash Account |
| Minimum to Open | $2,500 | $0 |
| Minimum Balance for Top APY | $2,500 | $0 |
| Note | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
Ivy Bank
Strengths
- Ivy Bank offers a higher APY of 4.25% compared to Wealthfront's 4.15%.
- Ivy Bank has a solid BBB rating of A-.
- Ivy Bank has no minimum balance requirement for its High-Yield Savings Account.
Potential Drawbacks
- Ivy Bank is not BBB Accredited.
- Ivy Bank has no branches for in-person banking.
- Ivy Bank's App Store rating is lower at 4.7 compared to Wealthfront's 4.8.
Wealthfront
Strengths
- Wealthfront offers a higher Google Play rating of 4.9.
- Wealthfront has no minimum deposit requirement for its Cash Account.
- Wealthfront's APY is competitive at 4.15% for the first three months.
Potential Drawbacks
- Wealthfront has a poor BBB rating of F.
- Wealthfront's APY drops to 3.50% after three months.
- Wealthfront is not a bank but a financial services company.
→ As of November 12, 2025 Ivy Bank offers an APY of 4.25% for its High-Yield Savings Account, with a minimum balance of $2,500, compared to Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Ivy Bank yields $10 more than Wealthfront on a $10,000 balance after one year. Ivy Bank pays $425, while Wealthfront pays $415 - an APY advantage for Ivy Bank.
Calculate Savings Growth for Ivy Bank vs Wealthfront
Ivy Bank - High-Yield Savings Account
Total savings breakdown:
- Interest earned: $2,596.8 (12.61%)
- Total contributions: $13,000 (63.12%)
- Initial deposit: $5,000 (24.28%)
Your total balance
$20,596.80
Total balance: $20,596.8
Earnings: $2,596.8
Bank OverviewWealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Ivy Bank's total earnings would be $65 higher than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Ivy Bank's vs Wealthfront's Savings Accounts
| Ivy Bank | Wealthfront | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Cash Account |
| APY | 0.05% - 4.25% (as of 11/12/2025) | 3.50% - 4.15% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $2,500 | $0 | |
| Minimum Balance for APY | $2,500 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | Residents of California and U.S. Territories (except District of Columbia) are ineligible to apply. | United States | |
| Note | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | ||
| App Store Rating | 4.7/5 | 4.8/5 | |
| Google Play Rating | 3.5/5 | 4.9/5 | |
| BBB Rating | A- | F |
No historical data available.