Ivy Bank vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Ivy BankHigh-Yield Savings Account Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 0.05% - 4.10% | 3.25% - 3.90% |
Est. Earnings | $5,000+$205 $10,000+$410 $25,000+$1,025 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $2,500 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | 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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredMod. MinimumGreat iOS App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Ivy Bank vs. Wealthfront
As of Ivy Bank offers an APY of 4.10% for its High-Yield Savings Account, with a minimum balance of $2,500, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Ivy Bank pays $69 more than Wealthfront on a $10,000 balance after one year. Ivy Bank pays $410, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for Ivy Bank.
Why Ivy Bank?
- ✓Higher potential APY (4.10% vs 3.90%) on all balances
Why Wealthfront?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.9 vs 3.5)
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Ivy BankIvy Bank's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $341/yr).
Better Returns at $25,000
Ivy BankIvy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $853/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.9 (vs. 3.5)
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account pays $69 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Ivy Bank's standard rate still yields a higher 1-year return.
Executive Summary as of
Ivy Bank's High-Yield Savings Account offers a competitive APY of 4.10%, making it the higher-yielding option compared to Wealthfront's Cash Account, which provides an APY of 3.90% for the first three months before dropping to 3.25%. Ivy Bank requires a minimum deposit and balance of $2,500, while Wealthfront has no minimum requirements, making it more accessible for new savers. Both accounts are online-only and have no maintenance fees. However, Ivy Bank's account is restricted to residents of California and U.S. Territories (excluding the District of Columbia). For those looking for a higher yield, Ivy Bank is the clear winner.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Ivy Bank vs. Wealthfront Savings Calculator
You earn $67.5 more with Ivy Bank than Wealthfront on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Ivy Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Ivy Bank | Wealthfront |
|---|---|---|
| APY | 4.10% Range: 0.05% - 4.10% Verified: 1/7/2026 - | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | High-Yield Savings Account | Cash Account |
| Minimum Deposit | $2,500 | $0 |
| Min. Balance for APY | $2,500 | $0 |
| 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 | iOS4.7 Android3.5 | iOS4.8 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A- | F |
| Important Notes | - | 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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Ivy Bank Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Ivy Bank | Wealthfront |
|---|---|---|
| High-Yield Savings Account | Cash Account | |
Current APY | 4.10% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -11.9 | -18.8 |
Days Since Change | 22 | 19 |
2-Month High | 4.25% | 4.15% |
2-Month Low | 4.10% | 3.90% |
Adjustments / Mo | 0.55 | 0.55 |
Volatility Score | 0.018 | 0.030 |
How to read these metrics(Click to expand)
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