Save and earn more with 3.20% APY*

Betterment's high-yield Cash Reserve account can help you grow your savings during volatile times by earning 15x the national average.**

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A safe with a sun behind it.

Cash Reserve is only available to clients of Betterment LLC, which is not a bank, and cash transfers to program banks are conducted through the clients’ brokerage accounts at Betterment Securities. For Cash Reserve ("CR"), Betterment LLC only receives compensation from our program banks; Betterment LLC and Betterment Securities do not charge fees on your CR balance.

Earn more interest.

  • Earn interest on your cash with a variable annual percent yield (APY) of 3.20%. 15x the national average.**
  • Your money is FDIC-insured up to $1M with our program banks ($2M for joint accounts).  
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Bucket your savings.

Create separate stashes of cash for specific goals, and even set up auto-deposits for each. Save purposefully for whatever is on this year’s to-do, to-purchase, or to-make list.

A kitchen renovation goal, fancy new couch goal, and weekend getaway goal.

Move money with ease.

Flexible limits on how often you can move money, and no fees to do so. You can withdraw in just 1–2 business days.

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Ready to start growing your cash?

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