0.65% Cash Reserve Promotional APY Boost

Terms and Conditions

This offer is only available to PEAK6 Employees who have an existing Betterment Cash Reserve account as of January 1, 2026 or who open a new Betterment Cash Reserve account during the promotional period (“Qualifying PEAK6 Employees”).

If you are a Qualifying PEAK6 Employee, your Cash Reserve rate will be increased by 0.65% on top of the current standard Cash Reserve rate (“promotional rate”) from January 1, 2026 through March 31, 2026 (the “promotional period”). “PEAK6 Employees” include employees of PEAK6 Investments, employees of Apex Fintech Services LLC, and employees of PEAK6 InsurTech Services LLC (collectively, “PEAK6”). For avoidance of doubt, PEAK6 Employees who already have a Betterment Cash Reserve account as of January 1, 2026 are Qualifying PEAK6 Employees and are eligible for the promotional rate during the promotional period. The Cash Reserve Rate is currently 3.25% but is subject to change, including 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 is variable and 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 at that time. 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.

This offer is not valid with any other offers (and, for the avoidance of doubt, may not overlap with any other Cash Reserve promotional rate offers), and it is non-transferable. Offer available to U.S. Residents only. 

This promotional offer is made solely by Betterment LLC and is not sponsored, endorsed, or administered by PEAK6. PEAK6 is not providing investment or financial advice in connection with this offer, does not guarantee any aspect of the promotion, and is not responsible for the administration of the offer. Eligibility for this promotion is determined solely by Betterment in its discretion.

This offer is not a recommendation by Betterment of any investment or investment strategy and is not a recommendation that a customer transfer assets into a Betterment Cash Reserve account.

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 Account Agreements have been violated.