Quontic Bank vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
We earn a commission if you open an account through some links on this page.
Summary of Quontic Bank vs. Wealthfront
Key Metrics at a Glance
| Feature | Quontic Bank | Wealthfront |
|---|---|---|
| Top Savings APY | 3.75% High Yield Savings | 4.15% Cash Account |
| Minimum to Open | $100 | $0 |
| Minimum Balance for Top APY | $0 | $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. |
Quontic Bank
Strengths
- Quontic Bank offers a consistent APY of 3.75%, unchanged from 30 days ago.
- Quontic Bank has an A+ BBB rating, indicating higher trustworthiness.
- No maintenance fees for Quontic Bank's High Yield Savings account.
Potential Drawbacks
- Quontic Bank has no branches for banking, only loan offices.
Wealthfront
Strengths
- Wealthfront's Cash Account offers a higher APY of 4.15% for the first 3 months.
- Wealthfront has a 4.9 Google Play rating, higher than Quontic Bank's.
Potential Drawbacks
- Wealthfront has an F BBB rating, indicating lower trustworthiness.
- Wealthfront's APY drops to 3.50% after 3 months.
→ As of November 12, 2025 Quontic Bank offers an APY of 3.75% for its High Yield Savings account, with a minimum balance of $0, compared to Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Wealthfront yields $40 more than Quontic Bank on a $10,000 balance after one year. Quontic Bank pays $375, while Wealthfront pays $415 - an APY advantage for Wealthfront.
Calculate Savings Growth for Quontic Bank vs Wealthfront
Quontic Bank - High Yield Savings
Total savings breakdown:
- Interest earned: $2,273.8 (11.22%)
- Total contributions: $13,000 (64.12%)
- Initial deposit: $5,000 (24.66%)
Your total balance
$20,273.80
Total balance: $20,273.8
Earnings: $2,273.8
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, Quontic Bank's total earnings would be $258 lower than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Quontic Bank's vs Wealthfront's Savings Accounts
| Quontic Bank | Wealthfront | ||
|---|---|---|---|
| Product | High Yield Savings | vs | Cash Account |
| APY | 3.75% (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 | $100 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| 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 | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.8/5 | 4.9/5 | |
| BBB Rating | A+ | F |
No historical data available.