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1 NerdWallet, "The Best Budget Apps for 2026" January 2026. ©2014-2026 and TM, NerdWallet, Inc. All Rights Reserved.
2 App Store rating is as of March 2026 and is based upon all ratings and reviews received by Apple App Store®.
3 From Forbes Advisor, March 13, 2025 ©2025.
4 The national average savings account interest rate is 0.38% Annual Percentage Yield (APY) as reported by the FDIC (as of 6/15/2026).
Empower Personal Cash™ Program is offered through Empower Personal Wealth, LLC (“Empower”). Empower is not an FDIC-insured bank and deposit insurance covers the failure of an insured bank. Bank deposit products provided by UMB Bank n.a., Member FDIC (“UMB”). Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. To participate in the program, you must open an account at UMB, through which your funds will be placed in accounts at participating program banks (which may include UMB). The advertised interest rates are paid by participating program banks, including by UMB in its capacity as a participating program bank. Your funds will be FDIC insured up to applicable limits while in transit through UMB. UMB receives a fee from each program bank (except UMB) in connection with the program that is based on the aggregate daily closing balance of deposits held in program accounts by such program bank. The fee may vary from program bank to program bank and will generally increase as the aggregate amount of funds held in program accounts with the program bank increases.
The Empower Personal Cash™ standard Annual Percentage Yield (APY) as of 07/15/2026 is 3.30% APY (3.251% interest rate). The calculation for APY is rounded to the nearest basis point. Both the interest rate and APY are variable and subject to change at UMB’s discretion at any time without notice.
The information provided in your account application is being provided by you to UMB. UMB may share this information with UMB’s affiliates and with EMPOWER, each of which may use this information in accordance with its respective privacy policy. Upon acceptance of the application, an account will be opened with UMB.
