Forbright Bank vs. Wealthfront
Forbright Bank's Growth Savings pays 3.85% APY while Wealthfront's Cash Account pays 3.95% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Forbright Bank pays $39 more than Wealthfront annually ($385 vs $346).
Choose Forbright Bank if getting the best rate matters most, BBB rating matters to you, or you want Zelle for quick transfers.
| Metric | Forbright BankGrowth Savings Sep 7, 2026 | WealthfrontCash Account Sep 5, 2026 |
|---|---|---|
| APY | 3.85% | 3.30% - 3.95% |
Earns in a year | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$173 $10,000+$346 $25,000+$866 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | Limited offer: The stated APY includes a temporary 0.30% APY boost for new customers. Only people who never had a Forbright Bank Growth Savings or Growth CD account can get the boost. The account must be opened online, and a one-time balance of $1,000 must be reached by 08/31/2026. The boost ends on 12/31/2026, and a lower APY applies after that. Existing customers get the standard APY. See terms at Forbright Bank. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get the stated APY for 3 months, after which a lower APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily Compounding |
Prefer In-Person Banking?
Both of these institutions are online-only. If you need in-branch access, check out our list of savings accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Forbright Bank vs. Wealthfront
Executive Summary
Wealthfront offers a competitive Cash Account with an APY of 3.95%, which is higher than Forbright Bank's Growth Savings at 3.85%. Wealthfront's account is available online and nationally, with a promotional boost for new clients that lasts for three months. In contrast, Forbright Bank's Growth Savings requires a one-time deposit of $1,000 and is available only to new customers who have never held a Forbright account. Forbright also provides other savings options, such as the Sprout Savings and Bright Savings accounts, which yield 3.46% but are limited to specific states and eligibility requirements. Overall, Wealthfront's Cash Account offers a higher APY with broader accessibility.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Forbright Bank?
- Physical branch access (Locations in the Washington D.C. area (Maryland and Virginia))
- Offers 4 different high-yield savings options
- Fast transfers via Zelle®
Why Wealthfront?
No distinct advantages found vs Forbright Bank.
Key Feature Differences
Better Returns at $10,000
Forbright BankForbright Bank's Growth Savings earns more on smaller deposits (approx. $385 vs $346/yr).
Better Returns at $25,000
Forbright BankForbright Bank's Growth Savings pulls ahead with larger amounts (approx. $963 vs $866/yr).
Shared Benefits
Over a 1-year period, Forbright Bank's Growth Savings pays $39 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Forbright 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
Forbright Bank vs. Wealthfront Savings Calculator
You earn $37.5 more with Forbright 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.
Forbright Bank
Growth Savings
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
Wealthfront
Cash Account
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $341 a year in interest.
Both Forbright Bank and Wealthfront advertise far more than that typical branch-bank rate.
| Feature | Forbright Bank | Wealthfront |
|---|---|---|
| APY | 3.85% Observed: 9/7/2026 Stable over 90 days | 3.95% Range: 3.30% - 3.95% Observed: 9/5/2026 0.05%90-day change |
| Product Name | Growth Savings | Cash Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | 4 (MD) | Not reported |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | Yes |
| Zelle® Support | Available Branch accounts only; Growth Savings online does NOT support. | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | Limited offer: The stated APY includes a temporary 0.30% APY boost for new customers. Only people who never had a Forbright Bank Growth Savings or Growth CD account can get the boost. The account must be opened online, and a one-time balance of $1,000 must be reached by 08/31/2026. The boost ends on 12/31/2026, and a lower APY applies after that. Existing customers get the standard APY. See terms at Forbright Bank. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get the stated APY for 3 months, after which a lower APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Forbright 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 | Forbright Bank | ||
|---|---|---|---|
| Bright Business Savings | Bright Savings | Sprout Savings | |
Current APY | 3.46% | 3.46% | 3.46% |
Trend | Stable | Stable | Stable |
Speed of change | 0.00 | 0.00 | 0.00 |
Days Since Change | 144 | 144 | 144 |
7-Month High | 3.46% | 3.46% | 3.46% |
7-Month Low | 3.45% | 3.45% | 3.45% |
Changes per month | 0.13 | 0.13 | 0.13 |
Steadiness | 0.001 | 0.001 | 0.001 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 226-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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Compare Forbright Bank's APY of 3.85% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Forbright Bank vs Ally Bank | 3.00% | $0 |
| Forbright Bank vs American Express | 3.00% | $0 |
| Forbright Bank vs Axos Bank | 4.21% | $0 |
| Forbright Bank vs Barclays | 3.65% | $0 |
| Forbright Bank vs Capital One | 3.50% | $0 |
| Forbright Bank vs Chime | 3.75% | $0 |
| Forbright Bank vs CIT Bank | 3.75% | $100 |
| Forbright Bank vs EverBank | 3.90% | $0 |
| Forbright Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Forbright Bank vs Newtek Bank | 4.20% | $100 |
| Forbright Bank vs Openbank | 3.80% | $500 |
| Forbright Bank vs Pibank | 4.10% | $0 |
| Forbright Bank vs SoFi Bank | 4.00% | $0 |
| Forbright Bank vs Synchrony Bank | 3.30% | $0 |
| Forbright Bank vs Varo Bank | 3.75% | $0 |