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Grow your cash with a 4.00% APY
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Start earning 4.00% APY (variable) on your cash with this limited time offer. Right now, you can earn a 0.75% APY boost on up to $1M through January 15 when you enroll and deposit $1,000 or more into Cash Reserve by October 15.
It's simple to unlock:
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Click through this email to enroll
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Deposit $1,000 or more into Cash Reserve (takes 1–3 business days)
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Once it lands, your boost kicks in on your Cash Reserve accounts, up to $1M
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And just so you know, if our base APY changes, your 0.75% boost will stay on top of the new rate through January 15. The sooner you deposit, the longer you earn it.
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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. Up to $8M (jt.)/$4M (ind.) applies to eligible cash. Learn more below.
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Annual percentage yield (variable) is 3.25% as of 12/12/2025, plus a 0.75% boost ("APY Boost") on balances up to $1M for existing clients with a qualifying deposit. $10 min deposit for base APY. Terms apply; if the base APY changes, the Boosted APY will change.
This is a marketing communication. The information provided is for educational purposes only and is not tax or investment advice. Advisory services are provided by Betterment LLC, an SEC-registered investment adviser. Brokerage services are provided to clients of Betterment LLC by Betterment Securities, an SEC-registered broker-dealer and member of FINRA/SIPC. Betterment Cash Reserve is offered by Betterment LLC through brokerage accounts at Betterment Securities. 401(k) plan administration services provided by Betterment for Business LLC. Betterment Financial, LLC checking accounts and the Betterment Visa Debit Card are provided and issued by nbkc bank, Member FDIC.
Investing involves risks, including potential loss of principal. Past performance does not guarantee future results. Investments in securities are: Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. No Betterment entity is a bank.
See full disclosure.
© Betterment Holdings Inc. All rights reserved.
Betterment 450 West 33rd Street, FL 11 New York, NY 10001
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