Built for people who know they could be saving more — but aren't sure how much more.
Arca shows you exactly what you're leaving on the table, and what to do about it.
Why most people never find the best high-yield savings rate
Finding the best high-yield savings account shouldn't be this hard — but over the last few years, I kept having the same conversation with friends who felt stuck. Arca started with a pattern I kept hearing from friends. Smart, financially aware people — the kind who track their spending and max out a 401(k) — were sitting on cash in 0.01% APY savings accounts. They knew better rates existed. They'd seen the headlines about 4% and 5% high-yield accounts. But when they tried to actually move, they got stuck: too many options, no easy way to compare them apples-to-apples, and no clear sense of how much the delay was actually costing them each month.
“I knew there were better rates out there. I just didn't know how to compare them — or how much it was actually costing me to stay where I was.”
That's the gap Arca fills. We put the opportunity cost front and center: here's what you're earning now, here's what you could be earning, and here's the right account for you based on how you actually use your money.
Understanding the real problem, not just the obvious one
I've spent the last 15 years in product management, and the lesson that keeps repeating is that the obvious feature is rarely the right one. The temptation here was to ship a rate comparison table — sortable columns, filters, the whole thing. The web already has dozens of those. They aren't the reason people stay stuck.
The real friction is that people can't evaluate what they see. APY numbers without context don't answer the question that actually matters: what does this mean for me, given my balance, my habits, and my goals? Until that question gets a personal, dollar-denominated answer, no comparison table will move anyone.
Why I'm the right person to build this
I spent seven years at Citibank on the digital customer experience team for banking products — close enough to the inside to understand how account opening, KYC, funding, and the day-to-day mechanics of a savings account actually work, and where they break down for ordinary people.
After Citi I spent eight years building consumer products: hotel search results at Priceline, subscriptions at Quizlet (where I helped grow subscription revenue more than 700%), and a few others in between. I have an MS in Finance from the Vanderbilt Owen Graduate School of Management.
Alex Quintana
Founder, Arca · Former Citibank, Priceline, Quizlet · MS Finance, Vanderbilt Owen
Seven years at Citibank on the digital customer experience team for banking products, then eight years building consumer products at Priceline, Quizlet, and others — including growing Quizlet's subscription revenue more than 700%.
Savings shouldn't require a research project
Arca is free for consumers. We earn a commission from financial institutions when we make a match between you and an account that's a better fit than the one you're in today. That's the whole business model: we only make money when you end up in a better place than you started. Your interest is our interest.