See How AWS Vision Stacks Up Against the Big Banks
We compared bank annual APY (savings & CDs) against AWS Vision's monthly savings gratuity and investment program returns — calculated from published bank rates and our official program terms.
Compare earnings at deposit size
Showing projections for $50,000
Deposit Yields vs AWS Vision Programs
Banks show best published annual APY (savings or promotional CD). AWS Vision investment plans pay monthly profit on capital by tier — Silver 2%/mo from $5K, Gold 3%/mo from $10K, Diamond 4%/mo from $30K, Platinum 5%/mo from $50K, Premium Diamond 6%/mo from $70K, Executive 7%/mo from $100K. Earnings below use your matched plan rate × 12 months (simple annual).
| Institution | Rate | Est. 1-Year Earnings on $50,000 | vs AWS Vision |
|---|---|---|---|
| AWS Vision | — | $0 | — |
Bank earnings: principal × (annual APY ÷ 100). AWS Vision: monthly plan rate × 12 months on principal. At $50,000 vs a 4.5% bank APY earning about $2,250/yr.
CD vs Investment & Fixed Deposit Programs
Bank CDs use APY (annual percentage yield). AWS Vision investment programs use monthly profit on capital — shown here as estimated 12-month program earnings using simple monthly accrual at your matched tier.
| Institution | 12-Mo CD (standard) | 1-Year CD Earnings | vs AWS Vision Program |
|---|---|---|---|
| AWS Vision — — (—%/mo) | — | $0 / yr | Enroll at /rates for current FD promo |
AWS Vision Investment Tiers vs Traditional Banking
At $50,000, your matched tier is — — estimated $0 in 12-month program profit vs. $0from Chase's standard 12-month CD (1.50% APY).
Silver
2%
monthly profit on capital
Min $5,000 · 48% total / 24 mo
$12,000/yr est. (simple)
Gold
3%
monthly profit on capital
Min $10,000 · 72% total / 24 mo
$18,000/yr est. (simple)
Diamond
4%
monthly profit on capital
Min $30,000 · 96% total / 24 mo
$24,000/yr est. (simple)
Platinum
5%
monthly profit on capital
Min $50,000 · 180% total / 36 mo
$30,000/yr est. (simple)
Premium Diamond
6%
monthly profit on capital
Min $70,000 · 216% total / 36 mo
$50,400/yr est. (simple)
Executive
7%
monthly profit on capital
Min $100,000 · 420% total / 60 mo
$84,000/yr est. (simple)
How We Calculate This Comparison
Bank savings & CDs:Earnings = deposit × (APY ÷ 100). Rates sourced from each bank's published rate sheets and independent publishers (June 18, 2026).
AWS Vision investment plans: Earnings = capital × (monthly rate ÷ 100) × 12 months (simple annual). Your matched tier is chosen by minimum capital — e.g. $10,000 → Gold at 3%/mo = $3,600 over 12 months; $50,000 → Platinum at 5%/mo = $30,000; $100,000 → Executive at 7%/mo = $84,000.
AWS Vision investment / FD programs (compound): When compound interest is enabled on your plan, 12-month profit uses capital × ((1 + monthly rate ÷ 100)12 − 1). Shown in the CD comparison section where applicable.
Why the Output Is So Different
Higher yields than branch savings
Even megabank promotional CDs top out around 4–4.5% APY. AWS Vision investment programs distribute monthly profit from 2% to 7% on enrolled capital — a different product structure with higher modeled returns.
Structured wealth programs
Traditional CDs lock in low single-digit APY. AWS Vision FD and investment tiers align with global sector portfolios — Silver through Executive — with up to 420% total program return.
Non-profit fund option
No megabank offers 8%–10% monthly returns on organization fund capital. AWS Vision's non-profit program serves $100K–$1M enrolled capital with a dedicated portal.
Non-Profit Organizations
Traditional banks do not offer comparable monthly returns on endowed or reserve fund capital. AWS Vision non-profit tiers:
| Enrolled capital | Monthly rate | Est. monthly profit |
|---|---|---|
| $100,000 | 8% | $8,000 |
| $250,000 | 8.44% | $21,100 |
| $500,000 | 8.89% | $44,450 |
| $750,000 | 9.33% | $69,975 |
| $1,000,000 | 10% | $100,000 |
Published competitor rates (June 18, 2026)
Reference figures from bank websites and independent rate publishers. Your actual rate may vary by location, balance, and relationship requirements.
Bank of America
- Best published: 4.50% APY
- Standard savings: 0.04% APY
- 12-mo CD: 2.50% APY
- Best promo: 4.50% — Featured CD — up to ~4.50% APY on select terms (varies by market, $1,000 min)
- Min CD: $1,000
Chase Bank
- Best published: 4.00% APY
- Standard savings: 0.01% APY
- 12-mo CD: 1.50% APY
- Best promo: 4.00% — Featured 3-month CD — 4.00% APY with Private Client relationship (Jun 2026)
- Min CD: $1,000
Wells Fargo
- Best published: 4.00% APY
- Standard savings: 0.01% APY
- 12-mo CD: 2.00% APY
- Best promo: 4.00% — Special Fixed Rate CD — promotional terms up to 4.00% APY (Fortune major-bank roundup, Jun 2026)
- Min CD: $2,500
Capital One
- Best published: 4.25% APY
- Standard savings: 3.10% APY
- 12-mo CD: 3.75% APY
- Best promo: 4.25% — Select promotional 360 CD terms — up to ~4.25% APY on featured maturities
- Min CD: $0
Citibank
- Best published: 4.35% APY
- Standard savings: 3.10% APY
- 12-mo CD: 2.75% APY
- Best promo: 4.35% — Promotional CDs — up to ~4.35% APY on select terms (Fortune major-bank roundup, Jun 2026)
- Min CD: $500
Important disclosures: AWS Vision investment, fixed deposit, and non-profit fund programs are structured wealth products — not FDIC-insured bank deposits. Competitor savings and CD rates shown are illustrative benchmarks from publicly available sources as of June 18, 2026 and may change without notice. Relationship rates, promotional CDs, and ZIP-specific pricing may differ. AWS Vision earnings illustrations use program terms at enrollment and do not guarantee future performance.
Sources reviewed: Chase deposit rates (PDF) · Bank of America CD rates · Wells Fargo CD rates · Capital One 360 rates · Citibank CD rates · Fortune major-bank CD roundup (Jun 2026) · NerdWallet HYSA rankings (Jun 2026)