Updated October 4th, 2026

What's the difference between Tellus accounts?

Whether you want to stay in control of your interest or save with extra protection, you have options. Choose which account is right for you — or grow your savings with all of them.


Boost
Vaults (3 month) Reserve
Deposit
Base rate
5.29% APY
5.75% APY
7.75% APY
4.50% APY
FDIC insured
No
No
No
Yes
Interest paid daily
Yes
Yes
Yes
Yes
Boost rewards
Yes

No

No
No
Max. balance
$5 million
$5 million
$2,500
$100,000
Anytime withdrawals
Yes

No

Yes
Yes
Minimum transfer
$100
$1,000
$100
$100
Fees
No

No

No
No

Tellus is not a bank. Tellus is not FDIC-insured. The FDIC-insured Deposit Account is provided by Central Bank of Kansas City, Member FDIC. Eligible deposits held at Central Bank of Kansas City are insured by the FDIC up to applicable limits in the event of the bank’s failure. FDIC insurance does not apply to Tellus itself or to non-deposit products or services.

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