Frequently Asked Questions

YieldVault is a community-powered savings platform that helps you escape traditional banks' minimal interest rates (around 0.01%) and access high-yield savings opportunities earning 5%+ through crowdsourced rate discovery. For serious savers, YieldVault Pro offers automated optimization with rates of 6-8%, plus exclusive alternative investments for accredited investors earning 8-12%+.

Simply create a free account to browse community-submitted rates, compare offers, and submit your own discoveries. If you want automated optimization and higher returns, upgrade to YieldVault Pro with a $10,000 minimum deposit.

Yes. The community rate comparison platform is completely free forever. You can browse rates, submit discoveries, and access our database at no cost. We make money through YieldVault Pro subscriptions and bank partnership referral fees.

It's simple:

1. Log into your YieldVault account
2. Click "Submit Rate"
3. Upload a screenshot of the rate from the bank's website or app
4. Our AI automatically extracts the rate details
5. Review and confirm the information
6. Your submission helps the entire community

We use a comprehensive multi-step verification process:

Click the "Report" button on any rate listing. Our team reviews all reports within 24 hours and removes inaccurate information immediately.

Yes. YieldVault is founded by the team behind YieldStreet, which manages over $3 billion in investments for accredited investors. We use bank-level security measures:

Yes. We only list rates from FDIC-insured banks and NCUA-insured credit unions. Your deposits remain protected up to $250,000 per depositor, per institution. YieldVault Pro spreads your funds across multiple institutions for maximum protection.

No. For free users, we have zero access to your accounts. For YieldVault Pro, we can move funds between your optimized accounts to maximize returns, but you maintain full withdrawal rights and ownership. We cannot withdraw funds to external accounts.

We have three revenue streams:

1. YieldVault Pro Subscriptions - $29-79/month for our managed optimization service
2. Bank Partnership Fees - Some banks pay us a referral fee when users open accounts (this never affects which rates we show)
3. Accredited Investor Products - Management fees on alternative investments for qualified Pro members

No. Our community rate rankings are based purely on APY and user submissions. We never manipulate rankings based on partnerships. Transparency is core to our mission.

Your current bank makes money by paying you as little as possible while lending your deposits at much higher rates. We make money by helping you earn more. Our incentives are aligned with yours, not against you.

Absolutely. You can:

• Use your virtual debit card instantly anywhere
• Initiate same-day ACH transfers to external banks
• Withdraw any amount at any time with no penalties

Your money is never locked up.

Cancel anytime—no long-term contracts or cancellation fees. Your funds remain in the partner bank accounts, and you simply manage them directly going forward. We'll provide you with all account details for seamless transition.

To access Pro + Accredited tier, you must meet SEC requirements:

• Individual net worth of $1M+ (excluding primary residence), OR
• Annual income of $200K+ ($300K+ joint) for the past two years with expectation to continue

We verify accreditation status during Pro onboarding.

YieldVault works on:

• iOS (iPhone/iPad app + mobile web)
• Android (app + mobile web)
• Desktop (Chrome, Safari, Firefox, Edge)

Yes! YieldVault Pro members get full access to our iOS and Android apps with virtual debit card management, real-time earnings tracking, and instant transfers.

The free community platform is accessible via mobile web on all devices.