Your annual percentage yield, or APY, is variable and can change. As of October 31, 2025, the APY we are offering for Cash Reserve is 3.50%. Interest will be paid into your account by the first business day of each month, unless that day is a bank holiday, then it will be paid by the following business day.
Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Betterment is not a bank. FDIC insurance provided by Program Banks, subject to certain conditions. Learn more.
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