Valley Direct vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Valley Direct vs. Wealthfront
Key Metrics at a Glance
| Feature | Valley Direct | Wealthfront |
|---|---|---|
| Top Savings APY | 4.10% High-Yield Savings Account | 4.15% Cash Account |
| Minimum to Open | $1,000 | $0 |
| Minimum Balance for Top APY | $0.01 | $0 |
| Note | Promo. Eligibility restricted to new customers. | 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. |
Valley Direct
Strengths
- Valley Direct offers a consistent APY of 4.10%, with no lower APY after a promotional period.
- Valley Direct has an A+ BBB rating, indicating higher trustworthiness compared to Wealthfront.
- Valley Direct has a branch presence in NJ, NY, FL, and AL for customer service.
Potential Drawbacks
- Valley Direct's APY is lower than Wealthfront's initial APY of 4.15% for new clients.
- Valley Direct requires a minimum deposit of $1,000 to open the High-Yield Savings Account.
Wealthfront
Strengths
- Wealthfront offers a higher initial APY of 4.15% for new clients, compared to Valley Direct.
- Wealthfront has a higher Google Play rating of 4.9 compared to Valley Direct's 4.5.
Potential Drawbacks
- Wealthfront has an F BBB rating, indicating lower trustworthiness than Valley Direct.
- Wealthfront has no physical branches, limiting in-person customer service options.
→ As of November 12, 2025 Valley Direct offers an APY of 4.10% for its High-Yield Savings Account, with a minimum balance of $0.01, compared to Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Wealthfront yields $5 more than Valley Direct on a $10,000 balance after one year. Valley Direct pays $410, while Wealthfront pays $415 - an APY advantage for Wealthfront.
Calculate Savings Growth for Valley Direct vs Wealthfront
Valley Direct - High-Yield Savings Account
Total savings breakdown:
- Interest earned: $2,499.4 (12.19%)
- Total contributions: $13,000 (63.42%)
- Initial deposit: $5,000 (24.39%)
Your total balance
$20,499.40
Total balance: $20,499.4
Earnings: $2,499.4
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, Valley Direct's total earnings would be $32.4 lower than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Valley Direct's vs Wealthfront's Savings Accounts
| Valley Direct | Wealthfront | ||
|---|---|---|---|
| Product | High-Yield Savings Account | vs | Cash Account |
| APY | 4.10% (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 | $1,000 | $0 | |
| Minimum Balance for APY | $0.01 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | Only for new customers. Existing Valley Bank or Valley Direct customers may open a savings account with a somewhat lower rate. | United States | |
| Note | Promo. Eligibility restricted to new customers. | 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 | 4.5/5 | 4.9/5 | |
| BBB Rating | A+ | F |
No historical data available.