Wealthfront HYSA at 4.50% — 3-Month Review, $187 Earned

Three months ago I moved $18,500 from SoFi (4.00%) to Wealthfront (4.50%). Here's the real-world experience.

Earned $187.43 in interest so far. That's about $55 more than SoFi would've paid. Transfer speed is instant between Wealthfront and my checking account. No fees, no minimum balance.

The app is clean. FDIC insurance up to $8M through their partner banks. Customer service answered in 3 minutes via chat.

Only downside: no joint account option. For a solo emergency fund it's perfect. If you're married or want a joint account, look at Marcus at 4.25%.

Verdict: 4.50% is the best rate I've found without gimmicks. Worth the switch from SoFi for the extra $92/year.