AWS Vision vs U.S. Banks & Investment Firms
Side-by-side with Chase, Bank of America, Ally, Fidelity, Schwab, Vanguard, Betterment and more — bank deposit APYs and brokerage cash/money-market yields vs AWS Vision program earnings by capital tier (published plans up to 7% monthly at Executive). Your exact profit rate depends on enrolled capital.
40× higher
vs Chase 12-mo CD
on $50,000
5%/mo
Platinum tier
Matched to $50,000 capital
$30,000
Est. 12-mo program profit
5%/mo × 12 on this capital
Compare earnings at deposit size
Showing projections for $50,000 using the Platinum tier at 5% monthly ($30,000 est. over 12 months). Higher capital unlocks higher published tiers (up to 7%/mo) — talk to an agent for enrollment terms.
Bank & Firm Cash Yields vs AWS Vision Programs
Banks use published deposit/CD APY. Brokerages and robos use cash / money-market / cash-reserve yields (not equity returns). AWS Vision earnings below use the published plan for this deposit size: Platinum at 5% monthly. Higher capital can qualify for higher tiers (up to 7%/mo Executive).
| Institution | Rate | Est. 1-Year Earnings on $50,000 | vs AWS Vision |
|---|---|---|---|
| AWS Vision | 5%/mo · Platinum | $30,000 | — |
| Bank of AmericaBank | 4.50% APY (deposit APY) | $2,250 | 13× higher |
| Chase BankBank | 4.00% APY (deposit APY) | $2,000 | 15× higher |
| Wells FargoBank | 4.00% APY (deposit APY) | $2,000 | 15× higher |
| Capital OneBank | 4.25% APY (deposit APY) | $2,125 | 14× higher |
| CitibankBank | 4.35% APY (deposit APY) | $2,175 | 14× higher |
| Ally BankBank | 4.40% APY (deposit APY) | $2,200 | 14× higher |
| American ExpressBank | 4.20% APY (deposit APY) | $2,100 | 14× higher |
| Discover BankBank | 4.30% APY (deposit APY) | $2,150 | 14× higher |
| Marcus by Goldman SachsBank | 4.40% APY (deposit APY) | $2,200 | 14× higher |
| U.S. BankBank | 3.90% APY (deposit APY) | $1,950 | 15× higher |
| PNC BankBank | 4.00% APY (deposit APY) | $2,000 | 15× higher |
| TD BankBank | 4.00% APY (deposit APY) | $2,000 | 15× higher |
| TruistBank | 3.95% APY (deposit APY) | $1,975 | 15× higher |
| Fidelity InvestmentsBrokerage | 4.50% APY (cash / MM yield) | $2,250 | 13× higher |
| Charles SchwabBrokerage | 4.45% APY (cash / MM yield) | $2,225 | 13× higher |
| VanguardBrokerage | 4.35% APY (cash / MM yield) | $2,175 | 14× higher |
| E*TRADE (Morgan Stanley)Brokerage | 4.25% APY (cash / MM yield) | $2,125 | 14× higher |
| Merrill (Bank of America)Wealth advisor | 4.50% APY (cash / MM yield) | $2,250 | 13× higher |
| BettermentRobo-advisor | 4.25% APY (cash reserve) | $2,125 | 14× higher |
| WealthfrontRobo-advisor | 4.30% APY (cash reserve) | $2,150 | 14× higher |
| Edward JonesWealth advisor | 4.10% APY (cash / MM yield) | $2,050 | 15× higher |
Competitor earnings: principal × (published cash/deposit APY ÷ 100). Brokerage figures are cash/MM yields — not stock-market returns. AWS Vision for this size: 5%/mo × 12 ($30,000/yr at $50,000) vs a 4.5% bank APY earning about $2,250/yr.
CD vs Investment & Fixed Deposit Programs
Bank CDs use APY. AWS Vision uses the published Platinum tier (5% monthly) for this deposit size — talk to support for enrollment terms.
| Institution | Program / CD | 1-Year Earnings | Next step |
|---|---|---|---|
| AWS Vision — 5%/mo | Platinum for $50,000 | $30,000 / yr | Talk to an agent → |
| Bank of America | 2.50% APY (12-mo CD) | $1,250 | 32× higher |
| Chase Bank | 1.50% APY (12-mo CD) | $750 | 53× higher |
| Wells Fargo | 2.00% APY (12-mo CD) | $1,000 | 40× higher |
| Capital One | 3.75% APY (12-mo CD) | $1,875 | 21× higher |
| Citibank | 2.75% APY (12-mo CD) | $1,375 | 29× higher |
| Ally Bank | 3.90% APY (12-mo CD) | $1,950 | 20× higher |
| American Express | 3.50% APY (12-mo CD) | $1,750 | 23× higher |
| Discover Bank | 3.85% APY (12-mo CD) | $1,925 | 21× higher |
| Marcus by Goldman Sachs | 3.90% APY (12-mo CD) | $1,950 | 20× higher |
| U.S. Bank | 2.25% APY (12-mo CD) | $1,125 | 35× higher |
| PNC Bank | 2.40% APY (12-mo CD) | $1,200 | 33× higher |
| TD Bank | 2.50% APY (12-mo CD) | $1,250 | 32× higher |
| Truist | 2.35% APY (12-mo CD) | $1,175 | 34× higher |
| Fidelity Investments | 4.00% APY (cash/CD) | $2,000 | 20× higher |
| Charles Schwab | 4.00% APY (cash/CD) | $2,000 | 20× higher |
| Vanguard | 3.95% APY (cash/CD) | $1,975 | 20× higher |
| E*TRADE (Morgan Stanley) | 3.90% APY (cash/CD) | $1,950 | 20× higher |
| Merrill (Bank of America) | 2.50% APY (cash/CD) | $1,250 | 32× higher |
| Edward Jones | 3.50% APY (cash/CD) | $1,750 | 23× higher |
Promotional CD rates (banks)
Short-term promotional CDs — often require new money or specific terms. Compared against AWS Vision at 5% monthly for this capital size.
| Bank | Promo rate | 1-Year earnings* | vs AWS Vision |
|---|---|---|---|
| Bank of America | 4.50% APY promo (7-mo) | $2,250 | 18× higher |
| Chase Bank | 4.00% APY promo (3-mo) | $2,000 | 20× higher |
| Wells Fargo | 4.00% APY promo (4-mo) | $2,000 | 20× higher |
| Capital One | 4.25% APY promo (11-mo) | $2,125 | 19× higher |
| Citibank | 4.35% APY promo (6-mo) | $2,175 | 18× higher |
| Ally Bank | 4.40% APY promo (9-mo) | $2,200 | 18× higher |
| American Express | 4.20% APY promo (11-mo) | $2,100 | 19× higher |
| Discover Bank | 4.30% APY promo (9-mo) | $2,150 | 19× higher |
| Marcus by Goldman Sachs | 4.40% APY promo (14-mo) | $2,200 | 18× higher |
| U.S. Bank | 3.90% APY promo (7-mo) | $1,950 | 20× higher |
| PNC Bank | 4.00% APY promo (4-mo) | $2,000 | 20× higher |
| TD Bank | 4.00% APY promo (6-mo) | $2,000 | 20× higher |
| Truist | 3.95% APY promo (7-mo) | $1,975 | 20× higher |
| Fidelity Investments | 4.50% APY promo (6-mo) | $2,250 | 18× higher |
| Charles Schwab | 4.45% APY promo (6-mo) | $2,225 | 18× higher |
| Vanguard | 4.35% APY promo (6-mo) | $2,175 | 18× higher |
| E*TRADE (Morgan Stanley) | 4.25% APY promo (6-mo) | $2,125 | 19× higher |
| Merrill (Bank of America) | 4.50% APY promo (7-mo) | $2,250 | 18× higher |
| Betterment | 4.25% APY promo (12-mo) | $2,125 | 19× higher |
| Wealthfront | 4.30% APY promo (12-mo) | $2,150 | 19× higher |
| Edward Jones | 4.10% APY promo (9-mo) | $2,050 | 19× higher |
*Promo earnings use APY on principal for illustration; actual promo terms may be shorter than 12 months.
AWS Vision Investment Tiers vs Traditional Banking
At $50,000, the matching Platinum rate (5%/mo) projects about $30,000 over 12 months vs. $750from Chase's standard 12-month CD. Published plans go up to 7%/mo at Executive ($100k+).
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 (by capital): Earnings = capital × (matched tier monthly rate ÷ 100) × 12 months. Example: $10,000 → Gold at 3%/mo; $50,000 → Platinum at 5%/mo; $100,000+ → Executive at 7%/mo. Enrollment terms are confirmed with support.
Personalized terms: Plan selection follows published minimums on the Rates page; your representative confirms the final monthly profit rate at enrollment.
Why the Output Is So Different
Higher yields than branch savings
Even megabank promotional CDs top out around 4–4.5% APY. AWS Vision published tiers run from Silver (2%/mo) up to Executive (7%/mo at $100k+) — a different product structure matched to capital.
Structured wealth programs
Traditional CDs lock in low single-digit APY. AWS Vision investment and FD packages are structured wealth programs — terms are finalized with support based on your capital.
Non-profit fund option
AWS Vision's non-profit program serves organization capital with a dedicated portal. Returns are confirmed on a call with your representative.
Non-Profit Organizations
Traditional banks do not offer a comparable dedicated non-profit fund package. AWS Vision capital tiers — returns finalized with your representative:
| Tier | Enrolled capital | Monthly rate |
|---|---|---|
| Foundation | $100,000 | Discuss on call |
| Growth | $250,000 | Discuss on call |
| Impact | $500,000 | Discuss on call |
| Legacy | $750,000 | Discuss on call |
| Premier | $1,000,000 | Discuss on call |
Published competitor rates (June 18, 2026)
Banks show deposit/CD APYs. Brokerages and robos show cash / money-market / cash-reserve yields — not stock-market returns. Figures are illustrative and change often.
U.S. banks
Bank of America
Bank
- 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
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
Bank
- 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
Bank
- 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
Bank
- 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
Ally Bank
Bank
- Best published: 4.40% APY
- Standard savings: 3.30% APY
- 12-mo CD: 3.90% APY
- Best promo: 4.40% — Featured CD terms — up to ~4.40% APY on select maturities
- Min CD: $0
American Express
Bank
- Best published: 4.20% APY
- Standard savings: 3.30% APY
- 12-mo CD: 3.50% APY
- Best promo: 4.20% — Select CD promotions — up to ~4.20% APY on featured terms
- Min CD: $0
Discover Bank
Bank
- Best published: 4.30% APY
- Standard savings: 3.40% APY
- 12-mo CD: 3.85% APY
- Best promo: 4.30% — Featured CD — up to ~4.30% APY on select terms
- Min CD: $0
Marcus by Goldman Sachs
Bank
- Best published: 4.40% APY
- Standard savings: 3.50% APY
- 12-mo CD: 3.90% APY
- Best promo: 4.40% — Select CD terms — up to ~4.40% APY on featured maturities
- Min CD: $500
U.S. Bank
Bank
- Best published: 3.90% APY
- Standard savings: 0.01% APY
- 12-mo CD: 2.25% APY
- Best promo: 3.90% — Special CD offers — up to ~3.90% APY in select markets
- Min CD: $1,000
PNC Bank
Bank
- Best published: 4.00% APY
- Standard savings: 0.02% APY
- 12-mo CD: 2.40% APY
- Best promo: 4.00% — Promotional CD — up to ~4.00% APY on short featured terms
- Min CD: $1,000
TD Bank
Bank
- Best published: 4.00% APY
- Standard savings: 0.02% APY
- 12-mo CD: 2.50% APY
- Best promo: 4.00% — Special rate CDs — up to ~4.00% APY on select terms
- Min CD: $250
Truist
Bank
- Best published: 3.95% APY
- Standard savings: 0.01% APY
- 12-mo CD: 2.35% APY
- Best promo: 3.95% — Featured CD — up to ~3.95% APY on select terms
- Min CD: $1,000
U.S. investment firms (cash & MM benchmarks)
Fidelity, Schwab, Vanguard, E*TRADE, Merrill, Betterment, Wealthfront, Edward Jones, Fisher — cash yields only for an apples-to-apples deposit-style comparison.
Fidelity Investments
Brokerage
- Best cash/MM: 4.50% APY
- Cash / sweep: 4.20% APY
- 12-mo CD / brokered: 4.00% APY
- Best promo: 4.50% — Higher short-term MM / CD offerings when available — up to ~4.5% illustrative
- Fees: Brokerage: $0 stock commissions typical; advisory fees if enrolled
Brokerage cash / core money market yields (e.g. government MM) — illustrative ~4.2% (not equity returns). Advisory AUM fees are separate.
View source →Charles Schwab
Brokerage
- Best cash/MM: 4.45% APY
- Cash / sweep: 4.15% APY
- 12-mo CD / brokered: 4.00% APY
- Best promo: 4.45% — Featured short MM/CD cash options — up to ~4.45% illustrative
- Fees: Brokerage commissions $0 typical; Schwab Wealth advisory fees if used
Schwab money market / cash features — illustrative yield ~4.15% (cash, not stock market returns).
View source →Vanguard
Brokerage
- Best cash/MM: 4.35% APY
- Cash / sweep: 4.10% APY
- 12-mo CD / brokered: 3.95% APY
- Best promo: 4.35% — Higher cash/MM yields in elevated-rate environments — up to ~4.35% illustrative
- Fees: Fund expense ratios apply; advisory (PAS) fees if enrolled
Vanguard Federal Money Market / cash settlement — illustrative ~4.1% (fund yield, not equity).
View source →E*TRADE (Morgan Stanley)
Brokerage
- Best cash/MM: 4.25% APY
- Cash / sweep: 0.15% APY
- 12-mo CD / brokered: 3.90% APY
- Best promo: 4.25% — Money market / promo cash products — up to ~4.25% illustrative
- Fees: Morgan Stanley Wealth Management advisory fees if applicable
Brokerage cash sweep — often low; higher yields via money market funds (illustrative).
View source →Merrill (Bank of America)
Wealth advisor
- Best cash/MM: 4.50% APY
- Cash / sweep: 0.04% APY
- 12-mo CD / brokered: 2.50% APY
- Best promo: 4.50% — Featured bank CD via BoA relationship — up to ~4.50% illustrative
- Fees: Merrill advisory wrap fees typically ~1% AUM range (varies)
Linked BoA / Merrill cash — low deposit APY unless Preferred Deposit / MM elected.
View source →Betterment
Robo-advisor
- Best cash/MM: 4.25% APY
- Cash / sweep: 4.00% APY
- Best promo: 4.25% — Cash Reserve can move with Fed funds — up to ~4.25% illustrative peaks
- Fees: Investing advisory fee on invested balance (Cash Reserve fee structure differs)
Cash Reserve — variable cash APY (illustrative ~4.0%). Investing portfolios are separate (market risk).
View source →Wealthfront
Robo-advisor
- Best cash/MM: 4.30% APY
- Cash / sweep: 4.00% APY
- Best promo: 4.30% — Cash APY fluctuates — up to ~4.30% illustrative
- Fees: 0.25% advisory on investment accounts (Cash Account terms differ)
Cash Account — variable APY (illustrative ~4.0%). Automated investing portfolios are separate.
View source →Edward Jones
Wealth advisor
- Best cash/MM: 4.10% APY
- Cash / sweep: 0.05% APY
- 12-mo CD / brokered: 3.50% APY
- Best promo: 4.10% — Select CD inventory — up to ~4.10% illustrative
- Fees: Advisor-sold mutual funds / advisory fees commonly apply
Bank deposit / cash sweep options via partners — typically low vs HYSA (illustrative).
View source →Fisher Investments
Wealth advisor
- Best cash/MM: 0.00% APY
- Cash / sweep: 0.00% APY
- Fees: Asset-based advisory fees (varies by mandate)
Primarily discretionary portfolio management — not a HYSA bank. Cash drag varies; equity returns not used here.
View source →Deeper write-ups: vs U.S. banks · vs Fidelity / Schwab / robos · vs Chase · vs Fidelity · vs Schwab
Important disclosures: AWS Vision investment, fixed deposit, and non-profit fund programs are structured wealth products — not FDIC-insured bank deposits. Competitor savings, CD, and cash/money-market rates shown are illustrative benchmarks from publicly available sources as of June 18, 2026 and may change without notice. Brokerage and robo yields on this page are cash products only — not equity or mutual-fund performance. AWS Vision earnings on this page are illustrated at up to capital and are confirmed at enrollment with support. Illustrations do not guarantee future performance. Published plan ceiling is 7% monthly (Executive).
Sources reviewed: Chase deposit rates (PDF) · Bank of America CD rates · Wells Fargo CD rates · Capital One 360 rates · Citibank CD rates · Ally Bank rates · American Express High Yield Savings · Discover Online Savings · Marcus by Goldman Sachs · Fidelity cash / money market · Schwab money market / cash · Vanguard cash / money market · Betterment Cash Reserve · Wealthfront Cash Account · Fortune major-bank CD roundup (Jun 2026) · NerdWallet HYSA rankings (Jun 2026)