0.01%
Traditional Bank
→
5%+
With YieldVault

Escape 0.01%. Find 5%+.
It's that simple.

YieldVault combines community power with professional optimization to maximize your savings returns.

Browse Rates → Try Pro Free

See How YieldVault Works

Watch this quick overview to understand how we help you earn better rates

Choose Your Savings Strategy

🆓

Community Free

DIY Rate Discovery

Browse rates shared by 50,000+ savers. Find, compare, and open accounts on your own terms.

Learn More →
⭐

YieldVault Pro

Automated Optimization

Deposit once. We continuously optimize your savings across highest-yield accounts automatically.

Learn More →
🆓

For Everyone: Free Forever

Community Rate Discovery

Active Users: 50,000+
Rates Shared: 2,847
1
Chase Bank 6.89% APY Marcus 5.40% APY

Browse

See real rates from savers across the country. Updated hourly by our community.

See Rates →
2
📸 Upload Screenshot AI Extracts

Submit

Found a great rate? Share it in seconds. Our AI extracts details automatically.

Submit Rate →
3
Account Type: All ▼ Min Deposit: $0 Term: Any ▼ Results: 847 rates Best Match

Compare

Filter by type, term, minimum. Find the perfect match and open directly with the bank.

Try Tool →
✨ Cost: Free. Forever. ✨

No credit card. No hidden fees.
Access 2,800+ rates instantly.

⭐ For Serious Savers: YieldVault Pro

Want 6-8% returns without the manual work?
We handle everything for you.

DIY: 5-6%

Manual work
Multiple accounts

VS

Pro: 6-8%

Automated
Single dashboard

🎯

Smart Account Management

Daily rate monitoring with automatic transfers to maximize your returns.

💳

Virtual Debit Card

Instant access to your savings anywhere with our virtual debit card.

📊

Unified Dashboard

All your optimized accounts in one place with detailed analytics.

🤖

Set It & Forget It

We handle rate-chasing while you earn more. Zero effort required.

💎 Accredited Investor Access

Qualified investors unlock premium opportunities earning 8-12%+

  • Structured products
  • Private credit instruments
  • Alternative fixed-income investments
  • Institutional-grade returns

Building on our YieldStreet foundation with rigorous due diligence.

Requirements: 💰 $1M+ net worth OR $200K+ income
Learn About Accreditation →

How Pro Works: Simple Steps

1
👤

Sign Up

10 minutes

2
🆔

Verify ID

KYC check

3
💰

Fund

Link bank

4
⚙️

Set Prefs

Tell us goals

5
📈

We Optimize

Daily auto

6
💵

Earn More

6-8% APY

Security & Trust

Your financial data deserves the highest level of protection

Bank-Level Security

256-bit encryption protects all your data

We use the same security standards as major banks to keep your information safe. Multi-factor authentication and zero-knowledge architecture.

Deposits Protected

Partner banks insured up to $250K

All savings rates come from federally insured institutions. Your deposits protected up to $250,000 per account. Pro accounts spread across multiple banks for maximum protection.

Community Verified

Real users verify real rates

Our community of 50,000+ savers ensures rate accuracy through crowd verification. AI flags suspicious submissions for manual review.

📊 Transparent Operations

We make money through Pro subscriptions and referral partnerships—never by selling your data.

See Our Business Model →

Frequently Asked Questions

💰

How does YieldVault make money?

▼
We charge a monthly subscription fee for YieldVault Pro accounts. We also earn referral fees from some banks when users open accounts through our platform. The community rate comparison tool is free forever. We never sell your data.
🔐

Do I need to give YieldVault access to my accounts?

▼
For Free Community: No. You simply browse rates and open accounts directly with banks.

For YieldVault Pro: Yes, we need secure, read-only access to optimize your accounts and provide virtual debit card services. We never have withdrawal access to your accounts.
✅

How do you verify rates are accurate?

▼
We use multiple verification layers:
  • AI automatically reads and validates rate data from screenshots
  • Cross-reference with bank websites when possible
  • Community members can confirm or dispute rates
  • AI identifies suspicious rates for manual review
  • Rates removed within 24 hours if unconfirmed
❓

What's the catch?

▼
No catch. We're here to fix a broken system where banks profit from keeping you in the dark about better rates. Our business model is transparent: free community tools funded by Pro subscriptions. We make more when you save more.
⏱

How quickly do rates update?

▼
Community rates are submitted in real-time throughout the day. Our homepage showcases the highest verified rate, updated hourly. Pro members get daily optimization where we automatically move funds to the best available rates.
❌

Can I cancel Pro anytime?

▼
Yes. Cancel anytime with no penalties or fees. Your money remains in the optimized accounts, you'll just lose automatic optimization and virtual card access. You can always downgrade to the free community tools.
👤

Who qualifies as an accredited investor?

▼
Generally, individuals with:
• $1M+ net worth (excluding primary residence), OR
• $200K+ annual income ($300K+ joint)

Full requirements and verification process available during Pro onboarding.

Choose Your Plan

Feature Free Pro Standard Pro Accredited
Browse rates ✓ ✓ ✓
Submit rates ✓ ✓ ✓
Auto-optimize ✗ ✓ ✓
Virtual card ✗ ✓ ✓
Typical APY 5-6% 6-8% 8-12%+
Alternative investments ✗ ✗ ✓
Priority support ✗ ✓ ✓ 24/7
Cost Free 0.5%/year 0.4%/year
Start Free Start Pro Apply Now

Ready to Earn What You Deserve?

Join 50,000+ savers who've already made the switch to better rates

✓ No credit card required ✓ Takes 60 seconds ✓ Access 2,800+ rates instantly

Or Try Pro with 14-day free trial