0.50% Cash Reserve APY Boost

Terms and Conditions

At Betterment’s discretion, your Cash Reserve rate will be increased by 0.50% on top of the current standard Cash Reserve rate (“promotional rate”) starting January 16, 2026 through March 17, 2026 (the “promotional period”). The Cash Reserve APY is currently 3.25% but is variable and is subject to change, including the boosted rate offered in this promotion during the promotional period. For example, if the standard Cash Reserve Rate decreases during the promotional period, your promotional rate will also decrease. Please note that the Cash Reserve APY only applies to Cash Reserve accounts or goals set to hold cash, not investments. At the end of the promotional period, your interest rate will return to the standard Cash Reserve rate. If you elect to exclude Cash Reserve deposits from one or more participating Program Banks, Betterment is unable to guarantee you will receive the promotional rate regardless of whether you have made a qualifying deposit.

This promotion is not valid with any other offers (and, for the avoidance of doubt, may not overlap with any other Cash Reserve promotional rate offers), is unique to the account-holder associated with the email address receiving this offer, and is non-transferable. Offer available to U.S. residents only. Accounts advised through the Betterment Advisor Solutions platform and balances held in 401(k) plans managed by Betterment at Work are excluded from this offer. Betterment reserves the right to terminate this offer at any time, to limit account bonuses you are eligible to receive, and to refuse or recover any promotion award if Betterment determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the Betterment Client Agreements have been violated.