Save faster.
Way faster.
A super high-yield interest account created for renters and landlords.
Open an account in minutes
Enjoy a 5% return on your money for 7 days - use code 5PERCENT
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Design for home buyers by real estate experts.

The first savings app for home buyers seeking to grow and access their down payment.

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Buying a home is harder than

it has been in a generation.

Many buyers are losing the desire to begin or continue the buying process.

High home prices
High 
borrowing costs
Low supply of homes for sale
Longer home shopping cycle
High inflation: fear of staying in cash

We need to put more money down than we planned to make the numbers work.

Your down payment is a journey.

Where you save it matters.

Savings accounts do not grow your money effectively.

The average bank savings account pays just 0.24% APY¹.

That’s before fees.

83%

Homeowners attribute their purchase success to effective saving.

675 homeowners were surveyed
on the Tellus app.

Chart is for illustrative purposes only.

Market investments 
are unpredictable.

Stock and crypto investments lack the control and liquidity needed to cash in when you need.

The best app

to grow and access

your down payment.

Save more, faster with 5.00-5.90% APY

Earn more in one day with Tellus than up to three weeks in a bank savings account².

Stay in control of your money

No stock or crypto exposure. No fees. Withdraw anytime.
How it works

Why do home buyers choose Tellus?

Superior saving power.

No matter where you are in your down payment savings journey, we have the right account for you.
*Boosted rate refers to APY achievable using Boosts, in-app rewards that can increase the Base rate for short periods of time.

Features that make the difference.

High yield

Earn 5.00%–5.90% APY with 
daily compounding interest

No fees

Tellus is 100% free to use

Daily payouts

Interest arrives in your 
account daily

No crypto or stock exposure

Tellus does not invest in market securities of any kind

Withdraw anytime

Move when you need to

No credit check

Start earning in 3 minutes or less

Get more from your savings app.

Your savings, powered by real estate.

When you deposit your money into a Tellus account, we supercharge your returns with interest income generated by residential real estate lending³. Your earnings are paid out daily and your money can be pulled out at any time.

Collateral

Every dollar Tellus lends is backed by high quality, prime residential real estate with title recorded and deed delivered to Tellus.

We target loan-to-value collateralization ratios of 80% or less to protect our balance sheet.

Capital

We hold capital reserves proportional to every dollar deposited to provide an additional liquidity buffer for our depositors.

Each deposit is a liability held on our balance sheet – not subject to performance of any single loan.

Security

Enjoy peace of mind with bank-level AES 256 encryption supported by industry-leading partners and a US-based treasury and risk management practice.

Learn more about our Triple Layer Protection framework.

Frequently Asked Questions

What is Tellus?

Tellus is a smart savings platform that delivers exceptional yields to consumers while shielding them from the volatility of the stock and crypto markets. Yields are powered by short term, single family home loans, enabling consumers to turn their savings into passive income. With the Tellus Boost Account, savers can budget smarter, and save more faster through their own actions on the platform.

Tellus is on a mission to unlock the power and durability of real estate to enable everyone to save for home purchase and reach their financial goals with the highest levels of access, simplicity, transparency and trust.

What are the benefits of using Tellus?

Tellus supercharges your rewards with interest income generated by residential real estate lending. Your interest is paid out daily and your money can be pulled out at any time. Your cash is not exposed to the volatility of the crypto or stock markets. There is no cap on your rewards. Tellus charges no fees for the use of its products. Our California-based customer success team offers amazing live service via in-app chat.

What are the best ways to use Tellus?

We recognize that each individual will have unique savings and income goals. Tellus can be used to save for everything from a rainy day fund to saving for your down payment on a house. You can use our smart savings platform to accelerate the growth of your emergency fund by applying free APY ‘power-ups’ (Boosts) daily. Take advantage of our Stacks feature to put aside regular savings for specific goals. Use our Vault feature when you have an extended time horizon that you are targeting. For all your property management needs, Tellus provides a seamless mobile solution to managing your high-value residential real estate assets, securing solid tenant relationships and collecting rent electronically.

What are the best options for earning passive income?

Passive income is income that requires little-to-no effort to earn and maintain. Taking advantage of a high yield cash account like Tellus Boost is a free and simple way to earn a passive income, while engaging in rewarding activities that enable you to accelerate your earnings power through your own actions.

How do I fund my Tellus account?

From within the Tellus app, you can initiate an ACH transfer to fund your Tellus account from a linked bank account. Alternatively, you can make a wire transfer directly from your bank account (via your bank's website or mobile app).

How can Tellus help me save?

Tellus offers different savings products that can help you save in different ways. Our Boost Account offers the ability to supercharge your rewards every day. Stacks will allow you to customize and organize your savings around specific savings target categories. Our Reserve Account feature can help jumpstart your savings up to a small capped amount, and Vaults will help you reach those longer term goals with their higher reward APYs.

Where can I learn more about Tellus and how it works?

Please check out our ‘How it Works’ page. If you have more questions, contact us or reach out to our customer success team via in-app chat.
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A few things you should know
1 The market(s) refers to the stock and crypto markets. Tellus does not invest in the stock market, crypto or any other similar security.

2 Backed by the underlying real estate, Tellus user APY daily interest payments are made independent of Tellus real estate lending returns.

3 Typical savings account refers to rates of savings accounts offered by US banks, as of 03/21/2023; Source: FDIC

* All interest rate comparisons made based on rates of savings accounts offered by US banks, as of 03/21/2023; Source: FDIC.
Definitions
By using this website you agree to and accept our Terms of Service and Privacy Policy.

Tellus is not a bank. Tellus is not FDIC insured.

All cash on Tellus’ balance sheet is held at Member FDIC banks. There are no fees for opening or using Tellus; however, your bank may charge fees based on their terms of service.

No communication by TellusApp, Inc. or any of its affiliates (collectively, “Tellus™”), through this website or any other medium, should be construed or is intended to be a recommendation to purchase, sell or hold any security or otherwise to be investment, tax, financial, accounting, legal, regulatory or compliance advice.

Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. In addition, other financial metrics and calculations shown on the website (including amounts of principal and interest repaid) have not been independently verified or audited and may differ from the actual financial metrics and calculations for any investment, which are contained in the investors’ portfolios. Any investment information contained herein has been secured from sources that Tellus believes are reliable, but we make no representations or warranties as to the accuracy of such information and accept no liability therefore. Articles or information from third-party media outside of this domain may discuss Tellus or relate to information contained herein, but Tellus does not approve and is not responsible for such content. Hyperlinks to third-party sites, or reproduction of third-party articles, do not constitute an approval or endorsement by Tellus of the linked or reproduced content.

Banking services are provided by Member FDIC banks. Payment solutions are provided by Stripe and Plaid.
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