With Tuyo, your $10,000 could earn
than at Bank of America. Over 10 years: $5,130.71 more, compounded.
Assuming the rates shown stay the same and earnings are reinvested.
Tuyo APY snapshot: . Refreshing from Tuyo’s API…
Tuyo’s APY reflects the highest rate reported by the API at the time shown. You select your interest strategy in the app. You can choose from this curated list. Rates change and returns are not guaranteed. Estimates exclude fees and taxes. Bank rates checked Oct 15, 2026; account and location conditions apply.
See what the same balance could earn
Ranked by APY, the annual rate including compounding. Select an account to open its rate source in a new tab.
Swipe to compare earnings over one year and ten years.
| Rank | Account | APY | Earnings / year | Difference vs Tuyo / year | Difference vs Tuyo / 10 years |
|---|---|---|---|---|---|
| 1 | TuyoCash on Morpho Cash in TuyoYour everyday balance in Tuyo. Choose from a curated list of interest strategies and keep your money available to spend. This is not a bank savings account. | 4.26% | $425.59 | $0.00 | $0.00 |
| 2 | Ally BankSavings Account High-yield savings accountA high-yield savings account. It works like a savings account but usually pays a higher rate. Rates can change; card spending typically requires a transfer to checking. | 3.10% | $310.00 | -$115.59 | -$1,600.57 |
| 3 | Capital One360 Performance Savings High-yield savings accountA high-yield savings account. It works like a savings account but usually pays a higher rate. Rates can change; card spending typically requires a transfer to checking. | 3.10% | $310.00 | -$115.59 | -$1,600.57 |
| 4 | U.S. BankBank Smartly Savings Savings accountA bank account for money you set aside. It pays interest and typically requires a transfer to checking before debit-card spending. | 0.05% | $5.00 | -$420.59 | -$5,120.67 |
| 5 | Bank of AmericaAdvantage Savings Savings accountA bank account for money you set aside. It pays interest and typically requires a transfer to checking before debit-card spending. | 0.04% | $4.00 | -$421.59 | -$5,130.71 |
| 6 | CitibankCiti Savings Savings accountA bank account for money you set aside. It pays interest and typically requires a transfer to checking before debit-card spending. | 0.03% | $3.00 | -$422.59 | -$5,140.74 |
| 7 | PNC BankStandard Savings Savings accountA bank account for money you set aside. It pays interest and typically requires a transfer to checking before debit-card spending. | 0.03% | $3.00 | -$422.59 | -$5,140.74 |
| 8 | TD BankTD Simple Savings Savings accountA bank account for money you set aside. It pays interest and typically requires a transfer to checking before debit-card spending. | 0.02% | $2.00 | -$423.59 | -$5,150.77 |
| 9 | ChaseChase Savings Savings accountA bank account for money you set aside. It pays interest and typically requires a transfer to checking before debit-card spending. | 0.01% | $1.00 | -$424.59 | -$5,160.78 |
| 10 | TruistTruist One Savings Savings accountA bank account for money you set aside. It pays interest and typically requires a transfer to checking before debit-card spending. | 0.01% | $1.00 | -$424.59 | -$5,160.78 |
| 11 | Wells FargoWay2Save Savings Savings accountA bank account for money you set aside. It pays interest and typically requires a transfer to checking before debit-card spending. | 0.01% | $1.00 | -$424.59 | -$5,160.78 |
Tuyo is the $0 baseline. Negative amounts show how much less an account could earn than Tuyo; positive amounts show how much more. The 10-year estimate reinvests all earnings at the rates shown.
Savings: standard bank savings. HYSA: high-yield savings account. Cash: your earning balance in Tuyo, not a bank deposit. Other accounts and offers may pay more.
How we calculate this comparison
What Tuyo could earn above your bank with reinvested earnings at the rates shown:
We use your average balance as the starting amount and assume unchanged APYs, reinvested earnings, and no fees, taxes, deposits or withdrawals. The table subtracts Tuyo’s earnings from each account’s earnings; the chart shows Tuyo’s potential advantage. For either account, earnings = balance × [(1 + APY)ʸᵉᵃʳˢ − 1]. Display rates are rounded; calculations use full precision. Projections are not guaranteed returns.
View Tuyo’s current APY · A dated snapshot is included in the page and refreshed from this API when you open it. One savings product is tracked per bank; location, balance and relationship conditions apply. The Tuyo rate shown is the highest reported across its curated list of interest strategies at the time shown. You can select your strategy in the app. Strategies carry different risks and protections from bank deposits. Returns may be lower or negative.
- Bank of America · Advantage Savings — Standard rate sheet for CO, ID, NE, UT and WI. Other locations or account terms may differ.
- Chase · Chase Savings — Standard savings APY for all balances in all states. Promotional bonuses excluded.
- Wells Fargo · Way2Save Savings — Standard rate checked for ZIP 10001. Platinum Savings and relationship offers excluded.
- Citibank · Citi Savings — Standard Everyday Benefits rate for ZIP 10001. Relationship tiers, promotions and Citi Accelerate excluded.
- U.S. Bank · Bank Smartly Savings — Standard rate checked for ZIP 55402. Higher relationship rates require eligible linked products and qualifying balances.
- PNC Bank · Standard Savings — ZIP 15222 standard rates: 0.02% below $2,500; 0.03% at $2,500+. Minimum $1 to earn interest. TotalRewards boosts and High Yield Savings excluded.
- Truist · Truist One Savings — Published Truist One Savings rate for all listed balance tiers. Money market accounts excluded.
- TD Bank · TD Simple Savings — Published Simple Savings rate for all balances. Signature Savings and relationship rates excluded.
- Capital One · 360 Performance Savings — Published 360 Performance Savings APY for all balances. No minimum balance.
- Ally Bank · Savings Account — Published Savings Account APY. No minimum opening deposit. Other products excluded.
Realtime interest
Paid in realtime
Your balance earns in realtime. See it grow without waiting for a monthly payout.
No lockups
Keep your money available for purchases and transfers. There’s no fixed term to wait out.
One everyday balance
The same eligible dollar balance can earn and pay. Keep your everyday money together.
Most savings accounts need a transfer to checking before you can pay by card. Tuyo lets the same balance earn and pay.
The comparison uses the highest strategy APY reported by Tuyo’s API at the time shown. You choose your strategy in the app. Rates vary, returns can be negative, and strategies are not bank deposits or covered by deposit insurance. Strategy withdrawals may be delayed. App preview is illustrative.