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APY
3.25%
Minimum Deposit
USDÂ 10.0
Fees & Caveats
- APY is variable
- A $10 minimum deposit is required to earn interest
- Betterment is not a bank; Cash Reserve requires a Betterment Securities brokerage account
- Funds in transit to or from Program Banks are generally not FDIC-insured but are covered by SIPC
- No branch or ATM access
- Does not come with a debit card
Additional Information
- New customers may receive a 0.65% APY boost for 3 months with a qualifying deposit, bringing the rate to 3.90%. An additional 0.75% APY boost is available for referring a friend.
Historical APY
Coming soon
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FAQ's
What is the interest rate on Betterment Cash Reserve savings account?
The interest rate on Betterment Cash Reserve is 3.25% as of Sun Jun 28 2026.
Is the Betterment Cash Reserve savings account safe?
Betterment Cash Reserve is FDIC insured. This means that your money is insured up to $250,000 by the United States government.
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