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Crunching the numbers for your scenario. This should only take a moment.
Crunching the numbers for your scenario. This should only take a moment.
Smarter Way Wealth, LLC is a registered investment adviser in the State of Connecticut (CRD #342140 — verify on IAPD). Registration does not imply a certain level of skill or training.
Information provided is for educational purposes only and does not constitute investment advice, a solicitation, or a recommendation to buy or sell any security. Past performance is not indicative of future results. All investing involves risk, including possible loss of principal.
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Disclosures last updated 2026-04-28. © 2026 Smarter Way Wealth, LLC. All rights reserved.
Public information, verified
The highest standard, nationally available rates we could verify against each institution's own published figures — last verified July 31, 2026. No promotional teasers, no fine-print hurdles, and no accounts we get paid to show you.
At the top verified rate (3.95% APY, Bread Savings High-Yield Savings), the same cash would earn roughly
$1,785 more per year
Simple first-year difference: $50,000× (3.95% − 0.38%). Before compounding and taxes; rates are variable and change.
Defaults are sourced, not invented: the national average savings rate is 0.38% APY per the FDIC (rates as of July 20, 2026), and the largest U.S. banks pay as little as 0.01% on standard savings (Chase Savings (standard rate, all balance tiers)).
Standard rates on nationally available online savings accounts, as of July 31, 2026. The date links to each institution's own rate page.
| Institution | APY | Min. to open | Verified |
|---|---|---|---|
| Bread SavingsHigh-Yield Savings | 3.95% | $100 | July 31, 2026 |
| EverBankPerformance Savings | 3.90% | $0 | July 31, 2026 |
| Popular DirectExclusive Savings | 3.90% | $100 | July 31, 2026 |
| Zynlo BankTomorrow Savings | 3.85% | $0 | July 31, 2026 |
Standard money market rates, as of July 31, 2026. Money market accounts sometimes add check-writing or debit access; terms vary by institution.
| Institution | APY | Min. to open | Verified |
|---|---|---|---|
| Zynlo BankMoney Market | 3.90% | $0 | July 31, 2026 |
| Quontic BankMoney Market | 3.80% | $100 | July 31, 2026 |
| CFG BankHigh Yield Money Market | 3.80% | $1,000 | July 31, 2026 |
For context, the FDIC publishes official national average deposit rates monthly. As of July 20, 2026:
The top verified accounts above pay roughly ten times the national savings average. Source: FDIC National Rates and Rate Caps (published monthly, on the third monday of each month).
This page is information, not a recommendation of any institution or account. Smarter Way Wealth is not affiliated with, and receives no compensation from, any institution listed — and we never hold your money. Your accounts stay in your name, at institutions you choose.
What we do is advice: how much cash to hold, where it should sit, and how it fits the rest of your plan — for a flat fee, from a CFA Charterholder and CFP® Practitioner.
Rates are variable and change without notice. Figures on this page were verified July 31, 2026; the machine-readable version lives at /api/savings-rates.