What is the interest rate on my cash?

Your annual percentage yield, or APY, is variable and can change. As of April 2, 2024, the APY we are offering for Cash Reserve is 5.00%*. 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 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.