The Fed Cut Rates — But Your Cash Can Still Earn 4.00% at Compound Advisory

The headlines are in: the Fed just lowered rates. Borrowers may be smiling, but savers? Not so much. Traditional banks are already slashing yields on savings accounts — many of which were barely above 0.50% APY to begin with.

But here’s the part most investors will miss: your cash doesn’t have to suffer.

Right now, Altruist’s High-Yield Cash Account is paying 4.00% APY under its limited-time promotion. For clients with Altruist One accounts, the standard High-Yield Cash rate is also 4.00% APY. Even the baseline High-Yield Cash account, at 3.70% APY, is nearly 10x the national average.

That means whether you’re using the promotional rate or the Altruist One program, you’re still among the highest-yielding cash accounts in the industry — without lockups or gimmicks.

Why This Matters Now

• Rates are falling fast. The national average savings account pays just 0.38% APY¹ — and that number is heading lower. Protecting your yield now is critical.

• Liquidity matters. With Altruist, you keep same-day access to your cash. Unlimited transfers. No minimums. No lock-ups.

• Coverage is robust. FDIC insurance up to $3M per depositor ($6M joint accounts) through Altruist’s program banks — far above the standard $250,000 cap.

💡 Here’s the math:
If you’re sitting on $500,000 in cash:

• At the national average (0.38%), you’d earn just $1,900 in a year.

• At 4.00%, you’d earn $20,000 in a year.
  That’s more than $18,000 extra working for you — without giving up access to your money.

How We Put This to Work for Clients

At Compound Advisory, we don’t let cash sit idle. Instead, we integrate Altruist’s High-Yield Cash Account into broader strategies:

• Retirement income buckets: Holding 12–36 months of cash so you don’t need to sell investments in a downturn.

• Post-sale liquidity: Business owners can park large sums safely while we design a tax and harvesting strategy.

• Short-term bridges: From home purchases to tax payments, clients keep their money accessible and still earning.

The Takeaway

Yes, rates are coming down. But that doesn’t mean your cash has to earn pennies. With Altruist, you can still capture 3.70%–4.00% APY today, depending on your account type.

That’s real yield, real liquidity, and real peace of mind.

With a quick 15-minute call, we can open your account the same day.