Amex vs. Otus: savings rates compared
American Express High Yield Savings pays 3.20% APY. Otus pays 6.00% today. Starting with $25,000 and adding $100 a month, that's $61,003 versus $48,343 after 10 years.
Amex
American Express High Yield Savings
3.20%
APY · checked Oct 22, 2026
Otus
Guardian, average of the top 10 vaults
6.00%
APY today · live from our vaults
+2.80 pts vs. Amex
What your money would grow to
Added at the end of every month, at your bank and at Otus.
Amex in 10 years
Otus in 10 years
more with Otus
Otus
You put in
Extra
- Otus · 6.00%
- Amex · 3.20%
- What you put in:
Side by side
| Feature | Amex | Otus |
|---|---|---|
| APY | 3.20% | 6.00%Average of the top 10 Guardian vaults today |
| Account | American Express High Yield Savings | Otus Guardian: onchain lending vaults, rebalanced automatically |
| FDIC insurance | Yes | No |
| Rate checked | Oct 22, 2026 · Amex's site | Live · Transparency page |
Questions
Does Otus pay more than Amex?
Today, yes: 6.00% APY at Otus versus 3.20% at Amex. Starting with $25,000 and adding $100 a month, that's about $12,661 more after 10 years if both rates held, and they won't: rates change.
Is Otus a bank?
No. Otus isn't a bank and isn't FDIC-insured. American Express High Yield Savings is FDIC-insured.
Where does the 6.00% come from?
It's today's average APY across the top 10 Otus Guardian vaults, the same number we publish on our Transparency page. It moves with the vaults.
What does Otus cost?
Otus Guardian is $5/month flat, no percentage of assets. You can start with $10, and there are no lock-ups, no exit fees and no waiting periods. The estimates on this page don't subtract the $5/month.
How current is Amex's rate?
We last checked it on Oct 22, 2026. Amex can change it at any time, so confirm on their site before you move money.
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Wells Fargo vs. OtusAmex's rate was last checked Oct 22, 2026 and may have changed since; see Amex's site for today's rate. The Otus rate (6.00%) is today's average APY across the top 10 Otus Guardian vaults, the same number on our Transparency page. Rates vary and aren't guaranteed. Estimates compound monthly, with deposits added at the end of each month, and assume today's rates hold for the whole period, which they won't. They don't subtract the Otus Guardian fee of $5/month. Otus isn't a bank and isn't FDIC-insured.
Try it with just $10
Keep Amex for your bills and let a small amount show you the difference.
