{
 "api": "v1",
 "updated": "2026-11-06",
 "attribution": "Source: Movable Capital (movablecapital.com), rates verified at each provider’s own page on the date shown.",
 "license": {
  "name": "CC BY 4.0",
  "url": "https://creativecommons.org/licenses/by/4.0/"
 },
 "docs": "https://www.movablecapital.com/developers",
 "rates": [
  {
   "id": "pibank-savings",
   "category": "savings",
   "provider": "Pibank",
   "name": "Pibank Savings",
   "label": "Pibank Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 4.4,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-10-21",
   "estimated": false,
   "sourceUrl": "https://www.pibank.com",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: FDIC insured through Intercredit Bank, N.A.",
   "conditions": "No minimum to open or keep the rate",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "peak-bank-envision",
   "category": "savings",
   "provider": "Peak Bank",
   "name": "Peak Bank Envision High Yield Savings",
   "label": "Peak Bank Envision High Yield Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 4.27,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-10-01",
   "estimated": false,
   "sourceUrl": "https://www.peak.bank/peak-bank/savings",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: FDIC insured",
   "conditions": "$100 to open. Rate is for new accounts, up to $499,999.99; 3.40% on balances of $500,000+. One account per customer",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "everbank-performance-savings",
   "category": "savings",
   "provider": "EverBank",
   "name": "EverBank Performance Savings",
   "label": "EverBank Performance Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 4.2,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-02",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://www.everbank.com/banking/performance-savings",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor",
   "conditions": "No minimum. Rate is for new accounts",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "zynlo-tomorrow-savings",
   "category": "savings",
   "provider": "ZYNLO Bank",
   "name": "ZYNLO Tomorrow Savings",
   "label": "ZYNLO Tomorrow Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 4.1,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-10-27",
   "estimated": false,
   "sourceUrl": "https://www.zynlobank.com/products/checking-savings",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor",
   "conditions": "No minimum to open; $0.01 to earn interest",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "vio-online-savings",
   "category": "savings",
   "provider": "Vio Bank",
   "name": "Vio Bank High Yield Online Savings",
   "label": "Vio Bank High Yield Online Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 4.01,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-10-23",
   "estimated": false,
   "sourceUrl": "https://www.viobank.com/online-savings-account",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor (counted with MidFirst Bank)",
   "conditions": "$100 to open. $5 monthly fee for paper statements",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "x-money",
   "category": "savings",
   "provider": "X Money",
   "name": "X Money",
   "label": "X Money",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 4,
   "rateNote": "Base rate; promo: 6.00% on the first $150,000 with $1,000+ in direct deposits every 34 days, or with X Premium+",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-12",
   "estimated": false,
   "sourceUrl": "https://money.x.com/en/i/interest-faq",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Pass-through insurance through X Money’s partner bank (X’s rate page doesn’t name the bank)",
   "conditions": "No minimum. New York residents earn no interest",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "openbank-hys",
   "category": "savings",
   "provider": "Openbank",
   "name": "Openbank High Yield Savings",
   "label": "Openbank High Yield Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 4,
   "rateNote": "Base rate; promo: New customers get +0.35% for 6 months",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-20",
   "estimated": false,
   "sourceUrl": "https://www.openbank.us/savings",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor (combined with Santander Bank)",
   "conditions": "$500 to open",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "ivy-bank-hys",
   "category": "savings",
   "provider": "Ivy Bank",
   "name": "Ivy Bank High-Yield Savings",
   "label": "Ivy Bank High-Yield Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 4,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-11-01",
   "estimated": false,
   "sourceUrl": "https://www.ivybank.com",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard limit (counted with Cambridge Savings Bank)",
   "conditions": "$2,500 to open. Rate applies on balances of $2,500 to $1,000,000; 0.05% below $2,500",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "sallie-mae-hys",
   "category": "savings",
   "provider": "Sallie Mae Bank",
   "name": "Sallie Mae High-Yield Savings",
   "label": "Sallie Mae High-Yield Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 4,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-11-05",
   "estimated": false,
   "sourceUrl": "https://www.salliemae.com/savings/high-yield-savings-account/",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor",
   "conditions": "No minimum deposit or balance",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "tab-bank-hys",
   "category": "savings",
   "provider": "TAB Bank",
   "name": "TAB Bank High Yield Savings",
   "label": "TAB Bank High Yield Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.95,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-11-05",
   "estimated": false,
   "sourceUrl": "https://www.tabbank.com/high-yield-savings/",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor",
   "conditions": "No minimum to open; $0.01 to earn the rate",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "bask-interest-savings",
   "category": "savings",
   "provider": "Bask Bank",
   "name": "Bask Interest Savings",
   "label": "Bask Interest Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.9,
   "rateNote": "Base rate; promo: Limited-time +0.40% rate boost on a new account (page shows both 4.30% and 4.15% totals)",
   "verifiedOn": "2026-11-05",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://baskbank.com/products",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor (combined with Texas Capital Bank)",
   "conditions": "No minimum balance",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "popular-direct-exclusive-savings",
   "category": "savings",
   "provider": "Popular Direct",
   "name": "Popular Direct Exclusive Savings",
   "label": "Popular Direct Exclusive Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.9,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-10-26",
   "estimated": false,
   "sourceUrl": "https://www.populardirect.com/",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor (Popular Bank)",
   "conditions": "$100 to open. Transfers in limited to your linked account for the first 70 days",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "forbright-growth-savings",
   "category": "savings",
   "provider": "Forbright Bank",
   "name": "Forbright Bank Growth Savings",
   "label": "Forbright Bank Growth Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.85,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-11-05",
   "estimated": false,
   "sourceUrl": "https://www.forbrightbank.com/personal-banking/growth-savings/",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: FDIC insured",
   "conditions": "No minimum deposit. Online only",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "western-alliance-hys",
   "category": "savings",
   "provider": "Western Alliance Bank",
   "name": "Western Alliance Bank High-Yield Savings",
   "label": "Western Alliance Bank High-Yield Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.8,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-01-08",
   "estimated": false,
   "sourceUrl": "https://westernalliancebancorporation.com/personal-banking/high-yield-savings-account",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor",
   "conditions": "$500 to open; $0.01 to earn the rate",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "axos-summit-savings",
   "category": "savings",
   "provider": "Axos Bank",
   "name": "Axos Summit Savings",
   "label": "Axos Summit Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.75,
   "rateNote": "Base rate; promo: New customers get +0.26% for 6 statement cycles with code SUM26 (opened by Dec 1, 2026)",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-11-02",
   "estimated": false,
   "sourceUrl": "https://www.axosbank.com/personal/bank/savings-accounts/summit-savings",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor",
   "conditions": "No minimum",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "cit-platinum-savings",
   "category": "savings",
   "provider": "CIT Bank",
   "name": "CIT Bank Platinum Savings",
   "label": "CIT Bank Platinum Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.75,
   "rateNote": "Base rate; promo: +0.60% for 6 months with promo code BOOST60 (4.35% on $5,000+), through Dec 15, 2026",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-07-01",
   "estimated": false,
   "sourceUrl": "https://www.cit.com/cit-bank/platinum-savings/boost60",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor",
   "conditions": "$100 to open. Rate applies on balances of $5,000+; 0.25% below $5,000",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "briodirect-hys",
   "category": "savings",
   "provider": "BrioDirect",
   "name": "BrioDirect High-Yield Savings",
   "label": "BrioDirect High-Yield Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.75,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-11-05",
   "estimated": false,
   "sourceUrl": "https://www.briodirectbanking.com",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor (Santander Bank, N.A.)",
   "conditions": "$5,000 to open; $25 to earn the rate",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "wealthfront-cash",
   "category": "savings",
   "provider": "Wealthfront",
   "name": "Wealthfront Cash Account",
   "label": "Wealthfront Cash Account",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.55,
   "rateNote": "Base rate; promo: New clients get +0.65% for 3 months on up to $150,000",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-01",
   "estimated": false,
   "sourceUrl": "https://www.wealthfront.com/cash",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Up to $8M through program banks",
   "conditions": "None stated",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "marcus",
   "category": "savings",
   "provider": "Marcus",
   "name": "Marcus by Goldman Sachs High Yield Savings",
   "label": "Marcus by Goldman Sachs High Yield Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.5,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-10-23",
   "rateAsOf": "2026-10-23",
   "estimated": true,
   "sourceUrl": "https://www.marcus.com/us/en/savings/high-yield-savings",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor",
   "conditions": "No minimum, no fees",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "betterment-cash",
   "category": "savings",
   "provider": "Betterment",
   "name": "Betterment Cash Reserve",
   "label": "Betterment Cash Reserve",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.5,
   "rateNote": "Base rate; promo: New clients with a qualifying deposit get +0.75% on balances up to $1M through Feb 15, 2027",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-09-21",
   "estimated": false,
   "sourceUrl": "https://www.betterment.com/cash-reserve",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Up to $4M individual, $8M joint through program banks",
   "conditions": "$10 to earn the base APY",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
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  },
  {
   "id": "sofi",
   "category": "savings",
   "provider": "SoFi",
   "name": "SoFi Savings",
   "label": "SoFi Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.3,
   "rateNote": "Base rate; promo: Up to 4.40% with direct deposit or qualifying deposits",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-20",
   "estimated": false,
   "sourceUrl": "https://www.sofi.com/banking/savings-account/",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Up to $3M through participating banks",
   "conditions": "None stated",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
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  },
  {
   "id": "public-hyca",
   "category": "savings",
   "provider": "Public",
   "name": "Public High-Yield Cash Account",
   "label": "Public High-Yield Cash Account",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
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   "rateNote": "Base rate; promo: 3.75% with a Public Reserve membership ($20 a month)",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-09-17",
   "estimated": false,
   "sourceUrl": "https://public.com/high-yield-cash-account",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Up to $5M through partner banks (brokerage cash sweep)",
   "conditions": "No minimum",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
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   "limits": {
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  {
   "id": "ufb-portfolio-savings",
   "category": "savings",
   "provider": "UFB Direct",
   "name": "UFB Portfolio Savings",
   "label": "UFB Portfolio Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.26,
   "rateNote": "Base rate; promo: Up to 4.01% for 6 months with code UFB75 (offer ends Dec 1, 2026)",
   "verifiedOn": "2026-11-05",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://www.ufbdirect.com/savings/high-yield-savings-account",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor through Axos Bank (shared with Axos accounts)",
   "conditions": "No minimum deposit. Same rate on all balances",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
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  },
  {
   "id": "ally",
   "category": "savings",
   "provider": "Ally",
   "name": "Ally Online Savings",
   "label": "Ally Online Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.2,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-02",
   "rateAsOf": "2026-10-30",
   "estimated": false,
   "sourceUrl": "https://www.ally.com/bank/online-savings-account/",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor",
   "conditions": "Same rate on all balances",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
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   "limits": {
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  },
  {
   "id": "amex",
   "category": "savings",
   "provider": "American Express",
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   "label": "American Express High Yield Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.2,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-10-23",
   "rateAsOf": "2026-10-23",
   "estimated": true,
   "sourceUrl": "https://www.americanexpress.com/en-us/banking/online-savings/account/",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: Standard $250k per depositor",
   "conditions": "None stated",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
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   "limits": {
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  },
  {
   "id": "quontic-hys",
   "category": "savings",
   "provider": "Quontic Bank",
   "name": "Quontic High Yield Savings",
   "label": "Quontic High Yield Savings",
   "ticker": null,
   "product": "High-yield savings",
   "accountType": "Savings account",
   "ratePct": 3.2,
   "rateNote": "Base rate, no conditions",
   "verifiedOn": "2026-11-05",
   "rateAsOf": "2026-05-14",
   "estimated": false,
   "sourceUrl": "https://www.quontic.com/banking/savings/high-yield-savings/",
   "citeUrl": "https://www.movablecapital.com/savings-rates",
   "access": "1 to 2 business days to move",
   "accessDays": 2,
   "protection": "FDIC: FDIC insured",
   "conditions": "$100 to open",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": false,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
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 ]
}