Markets open · Engine online
Real rates. No signup.
No sales pitch.
BankCheap pulls live rate data from FRED and financial institutions directly — savings, mortgages, cards, loans — and lets you ask an AI to run the math, in plain English. No email required. No 'best of' rankings for sale.
/engine
The AI-assisted calculator.
Not your bank's calculator. Describe the goal — the engine models the math.
AI Projection
"What if I save $800/mo for 5 years?"
Describe your financial scenario in plain English. Our AI fills in reasonable assumptions and returns a single projection with the math it used.
AI PROJECTIONREADY
$ session.init --mode=savings
$ verifying disclaimer.acceptance ...
âš awaiting disclaimer acknowledgement.
Projection · savingsAwaiting projection…
—Live market comparison
High-Yield Savings · CDs · Treasury● LIVE FEED
| Institution | APY | Status | ||
|---|---|---|---|---|
My Banking Direct $500 min · FDIC Insured · Lesser-known NY-based bank. | 5.05% APY | Hidden Gem | ||
NASA Federal Credit Union $10k min · 15-mo term · FDIC Insured · 15-month share certificate. | 5.30% APY (CD) | Credit Union Only | ||
BrioDirect $5k min · FDIC Insured · High-yield savings, $5k min. | 5.30% APY | Highest APY | ||
US Treasury Direct - I Bonds $25 min · FDIC Insured · Composite rate, no state tax. | 3.11% Yield | Inflation Hedge | ||
Varo Bank $0 min · FDIC Insured · Up to 5.00% APY with qualifying activity. | 5.00% APY | Top APY | ||
Marcus by Goldman $0 min · FDIC Insured | 3.75% APY | Trusted |
Hidden Gem5.30% APY
BrioDirect HYS
Lesser-known online bank consistently topping the APY charts.
Compare Banks →
Credit Union5.30% APY
NASA FCU 15-mo CD
Credit-union-only certificate paying above-market rates.
See CDs →
Rent Hack1x Pts
Bilt Mastercard
Earn points on rent payments with no transaction fee.
View Cards →