Live savings rate analysis · March 2026
Yield
Concierge
Your money deserves a better rate
We calculate your real qualifying APY across a curated set of banks, verify every rate live, then recommend the one account that pays you the most — based on how you actually bank.
20+Banks tracked
LiveRate verification
$0Paid placements
10Questions
What we do
Not a comparison site.
A concierge.
01
Your actual qualifying rate
We don't show you a bank's headline APY. We calculate the rate you would personally earn — based on your balance, direct deposit setup, new-customer status, and conditions you're willing to meet.
02
Live rate verification
Before recommending anything, we scan official bank websites and trusted aggregators in real time. If a rate has changed since our last update, we catch it and flag it before it affects your decision.
03
Ask anything, refine anything
After your recommendation, a concierge chat opens with full context on your profile and every verified rate. Ask what happens if you can't do direct deposit. Compare two banks in detail. Get exactly the answer you need.
The process
1
Answer 10 questions
Your balance, purpose, direct deposit situation, access needs, and account preferences. Takes about 2 minutes.
2
We verify rates live
While you wait, we search official bank websites and trusted sources to confirm every APY for your top qualifying options.
3
Get your recommendation
One bank, with the exact APY you'd earn, why it was chosen, and honest caveats — plus your full qualifying rate table.
4
Refine with the concierge
Ask follow-up questions in plain English. Change an assumption, compare two options, or get the exact steps to open your account.
Why this is different
"Most comparison sites show you the highest advertised rate. We show you the rate you'd actually earn — then let you ask questions until you're sure."
◆No bank pays for placement or recommendation
◆Rates verified at the time of your session
◆Promo expiry dates and conditions surfaced automatically
◆Existing-customer status strips promotions you don't qualify for
The difference
Why not just use
Bankrate or NerdWallet?
Comparison sites
✕Show rates paid for by banks
✕Display headline APY, not your qualifying rate
✕No verification — rates may be weeks old
✕Can't account for your direct deposit or balance tier
✕No follow-up — you're on your own after the list
Yield Concierge
◆Zero paid placements — independence guaranteed
◆Calculates your personal qualifying APY per bank
◆Scans live sources before every recommendation
◆Accounts for DD amount, balance, promo eligibility
◆Concierge chat to answer every follow-up question
Ready?
Find your best rate
in under 3 minutes
No sign-up. No email. No ads. Just your recommendation.
Begin your analysis →