MutualOne Bank vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | MutualOne BankMo Premium Savings Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 4.07% | 3.25% - 3.90% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$1,018 | $5,000+$171 $10,000+$341 $25,000+$853 |
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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | 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 MutualOne Bank vs. Wealthfront
As of MutualOne Bank offers an APY of 4.07% for its Mo Premium Savings account, with a minimum balance of $20,000, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
MutualOne Bank pays $66 more than Wealthfront on a $10,000 balance after one year. MutualOne Bank pays $407, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why MutualOne Bank?
- ✓Higher potential APY (4.07% vs 3.90%)
- ✓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. $341 vs $0/yr).
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $853/yr).
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $66 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.
Executive Summary as of
MutualOne Bank offers a competitive Mo Premium Savings account with an APY of 4.07%, making it the top choice for larger deposits starting at $20,000. In contrast, Wealthfront's Cash Account provides a promotional APY of 3.90% for the first three months, dropping to 3.25% thereafter, but requires no minimum deposit. Both accounts are online-only and have no maintenance fees. While MutualOne Bank's product is better suited for higher balances, Wealthfront's account may appeal to those looking for flexibility with smaller amounts.
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
MutualOne Bank vs. Wealthfront Savings Calculator
You earn $129.1 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: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$684.90(3.3%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,684.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | MutualOne Bank | Wealthfront |
|---|---|---|
| APY | 4.07% Verified: 1/7/2026 Stable (90d) | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | Mo Premium Savings | Cash Account |
| Minimum Deposit | $20,000 | $0 |
| Min. Balance for APY | $20,000 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.8 Android4.9 |
| 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 3.90% for 3 months, after which the 3.25% 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% | 3.90% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 | -18.8 |
Days Since Change | 55 | 55 | 19 |
2-Month High | 0.40% | 4.07% | 4.15% |
2-Month Low | 0.40% | 4.07% | 3.90% |
Adjustments / Mo | 0.00 | 0.00 | 0.54 |
Volatility Score | 0.000 | 0.000 | 0.030 |
How to read these metrics(Click to expand)
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