From your first savings account to a multi-entity treasury operation — Vaultstone delivers institutional-grade products with transparent pricing, best-in-class security, and a team that is always in your corner.
The Vaultstone Personal account is designed for people who refuse to settle for average. Earn a market-leading 4.75% APY on your savings, pay zero fees, send money globally in seconds, and get AI-powered insights that surface opportunities you'd never spot on your own.
Account Overview
Business Dashboard
Vaultstone Business gives finance teams complete control over cash flow, payroll, and treasury — with enterprise-grade tooling that scales from a two-person startup to a multinational operation. Your dedicated relationship manager knows your business, not just your account number.
Vaultstone Wealth is reserved for clients with $1M or more in investable assets. You receive a private banker assigned exclusively to you, access to investment opportunities unavailable on public markets, and a comprehensive financial plan built around your life — not a template.
Private Portfolio Snapshot
Our savings rates are reviewed weekly and consistently beat the national average by more than 10×. Every dollar you deposit works harder from day one.
| Account Type | APY Rate | Min Balance | Compounding | Notes |
|---|---|---|---|---|
| Personal High-Yield | 4.75% Top Rate | $0 | Daily | No lock-in, instant access |
| Business High-Yield | 5.10% Best Business | $10,000 | Daily | Up to $5M sweep-network eligible |
| 12-Month CD | 5.35% | $1,000 | Monthly | Fixed term, FDIC insured |
| 24-Month CD | 5.50% | $1,000 | Monthly | Rate guaranteed for full term |
| Kids & Teen Savings | 3.50% | $0 | Monthly | Custodial account, no fees |
| IRA Savings | 4.75% | $0 | Daily | Traditional & Roth available |
APY rates current as of April 2026. Rates subject to change. All accounts FDIC insured up to applicable limits.
Daily compounding on your Vaultstone savings means your interest earns interest — every single day. On a $50,000 deposit at 4.75% APY over 10 years, you don't just earn $23,750 — you earn $29,403 thanks to daily compounding. That extra $5,653 costs you nothing.
Compound Growth Projection — $50,000 at 4.75% APY
Projections assume constant 4.75% APY with daily compounding. Actual returns may vary. Past rates do not guarantee future performance.
Competitive rates, fast decisions, and transparent terms — no junk fees, no bait-and-switch pricing. Know exactly what you owe before you sign.
Vaultstone Investment Accounts give you access to diversified ETF portfolios, individual stocks and bonds, and alternative assets — all managed with a low, transparent 0.25% annual fee and zero trading commissions. SIPC-protected up to $500,000.
Portfolio Snapshot — Balanced Growth
Vaultstone Securities LLC is a registered broker-dealer, member SIPC/FINRA. Investments are not FDIC insured, not bank guaranteed, and may lose value.
Every Vaultstone product is built on the same secure foundation. Here is how they differ.
| Feature | Personal | Business | Wealth |
|---|---|---|---|
| Monthly Fee | $0 | $25 / mo | 0.75% AUM/yr |
| FDIC Coverage | $250,000 | $500,000 | Up to $5M (sweep) |
| Savings APY | 4.75% | 5.10% | Customised |
| Debit / Credit Card | Titanium Debit | Business Metal | Black Infinite |
| Cash-Back Rate | 2% | 1.5% + points | 3% unlimited |
| Daily Transfer Limit | $25,000 | $500,000 | Unlimited |
| Multi-User Access | — | ||
| Dedicated Advisor | — | Relationship Mgr | Private Banker |
| Payroll & Invoicing | — | ||
| Alternative Assets | — | — | |
| Estate & Tax Planning | — | — | |
| Customer Support | 24/7 Chat & Phone | Priority 24/7 | Dedicated Hotline |
| API Access | — | ||
| SOC 2 Type II |