Tellus Reviews & Ratings

Jeremy BiberdorfBy: Jeremy Biberdorf

September 13, 2023September 13, 2023

Tellus Logo

With the multitude of investment apps out there, deciding where to park your hard-earned cash can be quite the head-scratcher. Enter Tellus, a flashy newcomer in the app scene that lets you dive into real estate investments and promises juicy returns of at least 5.0% APY. Sounds tempting, right?

While it’s been marketed as a high-yield savings account equivalent, we have a few reservations about that claim (stay tuned for the specifics in this Tellus App review). The Tellus concept is undeniably intriguing.

But the million-dollar question is, is Tellus the real deal, and is it worth your precious time and energy? One way to find this out is to look at current users’ words! So let’s do that, and while we are at it, dissect every nook and cranny of Tellus so you can make a well-informed decision on whether Tellus savings is your financial cup of tea.

Learn More About Tellus

Pros & Cons


  • Easy to use
  • Competitive interest rates
  • Has a stacks and organization feature
  • Wide range of account types
  • Little to no fees


  • Not FDIC insured
  • May require extra attention for best results

What Is Tellus?

Tellus is a fintech Cupertino-based service that offers a unique blend of financial services, bridging the gap between high-yield savings accounts and investment apps. Their app provides fee-free access to investment products and property management tools.

Tellus stands out with APYs ranging from 5.0% to 5.9% and daily interest payments, positioning itself as a flexible savings account alternative. For instance, consistently depositing $100 per month could yield $58,043 in 30 years, far surpassing typical savings accounts.

However, it’s vital to note that Tellus isn’t a bank but an investment firm focused on residential real estate. Importantly, they lack FDIC insurance, so investing with them carries inherent risks.

Tellus collaborates with established financial institutions like J.P. Morgan Chase Bank, Wells Fargo Bank, and Sunwest Bank to secure user funds.

Features of Tellus

Tellus offers a versatile suite of financial services:

  • Tellus Boost Account: This account combines flexible access with potential boosts for up to 10% interest. The APY varies but typically ranges from 4-6%.
  • Tellus Reserve Account: A more straightforward option with a 4.5% base APY and no boosts, best for those seeking straightforward returns. The current limit is $2,500.
  • Tellus Vaults: Like a CD account, Vaults offer higher interest rates (5.1-5.9% APY) for longer commitments. Early withdrawals forfeit interest, with a minimum deposit of $1,000.
  • Property Management Software: Targeted at landlords, it facilitates tenant communication and rent collection.

Key Features:

  • Daily compounding interest and 12 p.m. PST daily deposits.
  • Robust security measures.
  • Diverse account options.
  • Periodic boosts for higher APY.
  • User-friendly app.
  • Flexible deposits and withdrawals.
  • “Stacks” for setting savings goals.

Who is Tellus For?

Tellus caters primarily to the following groups:

  • Individuals looking for higher yields than what traditional banks offer may find Tellus a compelling alternative. The daily boosts feature can accelerate savings growth compared to conventional savings accounts.
  • Those eyeing real estate investments and passive income may find Tellus a good option. Its competitive interest rates and the Tellus Boost feature present an enticing option for investors aiming to maximize their returns.
  • Tellus offers robust property management software equipped with tools for rental property management. This feature streamlines various tasks, making it ideal for property managers seeking efficiency improvements.

What People Say…

Overall Rating: 4.4

“I must say that Tellus stands out as one of the most impressive and user-friendly platforms I have ever encountered.
From the moment I started using Tellus, I was struck by how intuitive and easy to navigate the interface was. The platform is extremely well-designed, with clear menus and buttons.” – Greg Franklin
“They have very good digital customer service that has been good about responding to my needs. They do update the app a lot, but that is a sign they’re constantly improving and I love being able to earn boosts on my money just by signing in daily.” – Noah
“Love the app – simple and easy to use. The amazing part is to compound interest every day. It’s a miracle wow breathtaking cause you don’t have to wait for the whole entire year to keep up the great work guys thanks.” – Ludvig Laurent
“I have been using ‘Tellus’ for a while and it’s been a great experience so far. It’s a very decent app with a neat user interface. Daily trivia is fun to play, learn some basic real estate things and earn a daily boost which is amazing. During these high price markets getting 3% APY interest makes sense to me. I really liked the customer support/customer success team prompt help/support on any queries. They are ready to listen to customers and support their needs. Overall I am happy with Tellus based on my so far experience.” – Surya K.
“Customer support is excellent and timely….very often real-time answers to questions. I have been very pleased with the ability to track rental property and tenants in one place. This makes tax time so much easier. I am very pleased to have found Tellus and I appreciate that they are going strong and frequently updating the platform.” – Lisa (

Tellus – Final Thought

Tellus has you covered if you’re in the market for a high-yield savings product. Their Reserve Account offers a solid base of 4.75% APY on your deposited funds. Opt for the Boost Account, and you can enjoy a base 3.85% APY, with the potential to supercharge it up to an impressive 6.00% APY through “power-ups.”

Vaults are another attractive option, offering up to 5.12% APY without any maximum balance limit. Plus, Tellus introduces Stacks, a convenient tool to budget and save for specific financial goals.

The best part? No fees are associated with any of the Tellus accounts, and you can count on responsive customer support via email or in-app live chat. Tellus is a fantastic choice if you’re seeking a hassle-free and rewarding way to make your money work harder while earning high interest.

For a deeper dive into Tellus and more detailed information, don’t forget to click here to sign up!

Get Started With Tellus

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Jeremy Biberdorf
Jeremy Biberdorf

About the Author:

Jeremy Biberdorf is the founder of Modest Money. He's a father of 2 beautiful girls, a dog owner, a long-time online entrepreneur and an investing enthusiast.

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