High-yield savings APY benchmarks and deposit terms

Flagship Liquidity Reserve

Tiered Money Market Account

Maintains 5.15% effective annual cost yield with zero monthly maintenance hurdles and instant ACH liquidity.

Structured for balances above $50,000 with daily compounding calculations and complete FDIC pass-through protection.

Compounding yield formulas and fine-print withdrawal penalties

A 0.25% spread looks negligible until you calculate interest compounded over twenty-esven years. We audit daily versus monthly compounding schedules to expose the net savings yield you actually retain after hidden maintenance thresholds.

We don't take money to change our verdict; every calculation shows the total effective annual cost up front, factoring in early withdrawal penalties and balance minimums that trigger fee tiers.

Simulate your CD ladder return timelines

Test various rate assumptions and maturity structures with our institutional-grade financial modeling tools.