MutualOne Bank vs. Wealthfront
Comparing MutualOne Bank and Wealthfront for high-yield savings: MutualOne Bank's Mo Premium Savings pays 4.07% APY while Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost).
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Wealthfront pays $346 more than MutualOne Bank annually ($346 vs $0).
Choose MutualOne Bank if you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, BBB rating matters to you, you value in-person banking, or you want Zelle for quick transfers. Choose Wealthfront if getting the best rate matters most.
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). MutualOne Bank's 4.07% rate has no scheduled drop, though all rates are subject to change.
| Metric | MutualOne BankMo Premium Savings Feb 21, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 4.07% | 3.30% - 3.95% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$1,018 | $5,000+$173 $10,000+$346 $25,000+$866 |
Min Deposit | $20,000 | $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 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Comparison Analysis
Comparing MutualOne Bank vs. Wealthfront
Executive Summary
MutualOne Bank offers a competitive Mo Premium Savings account with an APY of 4.07%, making it the highest-yielding option between the two banks. This account requires a minimum deposit and balance of $20,000, but has no maintenance fees. In contrast, Wealthfront's Cash Account provides an APY of 3.95% for the first three months, after which it drops to 3.30%. While Wealthfront has no minimum deposit requirements, its lower yield on larger amounts makes MutualOne Bank the preferred choice for higher balances. Both accounts are online-only and do not require direct deposits.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why MutualOne Bank?
- ✓Higher potential APY (4.07% vs 3.95%)
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
- ✓Fast transfers via Zelle®
Why Wealthfront?
- ✓Higher rated Android app (4.9 vs 4.4)
— Key Feature Differences —
Better Returns at $10,000
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $346 vs $0/yr).
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $866/yr).
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $61 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet MutualOne Bank's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
MutualOne Bank vs. Wealthfront Savings Calculator
You earn $119.1 more with MutualOne Bank than Wealthfront on a $20,000 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.
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
Wealthfront
Cash Account
Promo Rate: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$694.90(3.4%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,694.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | MutualOne Bank | Wealthfront |
|---|---|---|
| APY | 4.07% Verified: 2/21/2026 Stable (90d) | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | Mo Premium Savings | Cash Account |
| Minimum Deposit | $20,000 | $0 |
| Min. Balance for APY | $20,000 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Full-service banking offices in Framingham, MA, and Natick, MA | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| Zelle® Support | Available Verified via website and app descriptions. | 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 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at MutualOne 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 | MutualOne Bank | Wealthfront | |
|---|---|---|---|
| Online Savings | Mo Premium Savings | Cash Account | |
Current APY | 0.40% | 4.07% | 3.95% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | 0.0 | -8.6 |
Days Since Change | 100 | 100 | 22 |
3-Month High | 0.40% | 4.07% | 4.15% |
3-Month Low | 0.40% | 4.07% | 3.90% |
Adjustments / Mo | 0.00 | 0.00 | 0.60 |
Volatility Score | 0.000 | 0.000 | 0.028 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare MutualOne Bank vs...
Comparing against Standard Savings
Compare Wealthfront vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.
More Comparisons
Compare MutualOne Bank's APY of 4.07% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| MutualOne Bank vs Ally Bank | 3.20% | $0 |
| MutualOne Bank vs American Express | 3.30% | $0 |
| MutualOne Bank vs Axos Bank | 4.21% | $0 |
| MutualOne Bank vs Bank of America | 0.01% | $100 |
| MutualOne Bank vs Barclays | 3.85% | $0 |
| MutualOne Bank vs Capital One | 3.30% | $0 |
| MutualOne Bank vs Chase Bank | 0.01% | $0 |
| MutualOne Bank vs Chime | 3.00% | $0 |
| MutualOne Bank vs CIT Bank | 3.75% | $100 |
| MutualOne Bank vs Citibank | 3.20% | $0 |
| MutualOne Bank vs Discover Bank | 3.30% | $0 |
| MutualOne Bank vs EverBank | 3.90% | $0 |
| MutualOne Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| MutualOne Bank vs Newtek Bank | 4.20% | $0.01 |
| MutualOne Bank vs Openbank | 4.09% | $500 |
| MutualOne Bank vs Pibank | 4.60% | $0 |
| MutualOne Bank vs SoFi Bank | 4.00% | $0 |
| MutualOne Bank vs Synchrony Bank | 3.50% | $0 |
| MutualOne Bank vs Varo Bank | 5.00% | $0 |
| MutualOne Bank vs Wells Fargo | 0.05% | $25 |