Wealthfront Cash is VaultRubric's pick: it scores 100.0% vs SoFi's 82.6% (a 17.4-point lead).
Data as of · Last updated · By VaultRubric Research · How we score · Not investment advice.
Wealthfront Cash and SoFi are both popular high-yield savings accounts. Here are the sourced facts side by side, then VaultRubric's equal-weight score with the math shown. Every value links to its source with an as-of date; anything we couldn't verify says not found.
Rates change often — verify on the bank's or broker's site before opening an account. Every value shows its as-of date; ⚑ marks figures from third-party sites. Not financial advice.
Run your own comparison →Opens the tool with these platforms filled in, so you can change the weights.
| Fact | Wealthfront Cash | SoFi |
|---|---|---|
| APY (standard) | 3.55% src · 2026-10-10 | 0.8% src · 2026-10-11 |
| APY conditions | not found | 3.30% with eligible direct deposit or qualifying deposits; new members up to 4.20% with limited-time 0.90% boost for up to 6 months src · 2026-09-23 |
| Promo (not scored) | apy: up to 4.45%, boost_cap: $150,000 src · 2026-10-01 | apy: 3.30, note: 3.30% with eligible direct deposit or $5k deposits/31 days; up to 4.20% with new-member 0.90% boost src · 2026-10-11 |
| Minimum to earn APY | $0 src · 2026-10-11 | $0 src · 2026-10-10 |
| Monthly fee | $0 src · 2026-10-10 | $0 src · 2026-10-10 |
| Deposit insurance | Up to $8,000,000 src · 2026-10-10 Not a bank; sweep to FDIC-insured program banks | Up to $250,000 src · 2026-10-10 FDIC; SoFi Bank, N.A. |
| FDIC cert | not found | 26881 (SoFi Bank, National Association) src · 2026-10-10 |
| Regulatory actions (5 yrs) | none found in last 5 yrs src · 2026-10-10 | none found in last 5 yrs src · 2026-10-10 |
VaultRubric pick: Wealthfront Cash
| Criterion (weight) | Wealthfront Cash | SoFi |
|---|---|---|
| APY (standard rate) (20%) | 10.0/10 | 2.3/10 |
| Minimum to earn APY (20%) | 10.0/10 | 10.0/10 |
| Fees (20%) | 10.0/10 | 10.0/10 |
| Deposit insurance (20%) | 10.0/10 | 9.0/10 |
| Regulatory record (20%) | 10.0/10 | 10.0/10 |
| Overall | 100.0% coverage 100% | 82.6% coverage 100% |
0.200×10.0 + 0.200×10.0 + 0.200×10.0 + 0.200×10.0 + 0.200×10.0 = 10.00 → 100.0%0.200×2.3 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 8.26 → 82.6%Opens the tool with these platforms filled in, so you can change the weights.
On VaultRubric's equal-weight rubric, Wealthfront Cash scores higher (100.0% for Wealthfront Cash, 82.6% for SoFi). Change the weights in the tool to match your priorities.
Standard APY in our data: Wealthfront Cash 3.55% (as of 2026-10-10), SoFi 0.8% (as of 2026-10-11). Rates are variable; check each bank's site.
Only from our curated dataset (official pages, regulators, and flagged third-party sites), with fixed formulas shown in “Show math”. No AI or live scraping, so the same comparison always gives the same result. Not financial advice.