{"id":15806,"date":"2026-09-18T10:30:55","date_gmt":"2026-09-18T17:30:55","guid":{"rendered":"https:\/\/www.wealthfront.com/blog\/?p=15806"},"modified":"2026-09-24T04:49:18","modified_gmt":"2026-09-24T11:49:18","slug":"cash-account-apy","status":"publish","type":"post","link":"https:\/\/www.wealthfront.com/blog\/cash-account-apy\/","title":{"rendered":"Cash In Your Wealthfront Cash Account Now Earns 3.55% APY (And Higher)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Today, we&#8217;re excited to share that Wealthfront Cash Account clients are earning a higher base rate on their cash. <strong>Your base APY is now 3.55%\u2014and you can earn even more with rewards.<\/strong> That means earning over 9x the <a href=\"https:\/\/www.fdic.gov\/national-rates-and-rate-caps\">national average for savings accounts<\/a> on all your cash\u2014whether you\u2019re saving for a rainy day, organizing your spending money, or getting ready to invest. In addition to a high APY (annual percentage yield), you get:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No monthly account fees<\/li>\n\n\n\n<li>No minimum or maximum balance to earn 3.55% APY from program banks<\/li>\n\n\n\n<li>Easy access to your money with free, 24\/7 instant withdrawals to eligible accounts, a debit card, compatibility with apps like Venmo &amp; Apple Pay, free outgoing wire transfers, and the ability to send and deposit checks for free<\/li>\n\n\n\n<li>Up to $8 million of FDIC insurance eligibility through our program banks<\/li>\n\n\n\n<li>Account &amp; routing numbers for paying bills like credit cards, daycare, and your mortgage\u00a0<\/li>\n\n\n\n<li>Access to 19,000+ free ATMs, with two out-of-network ATM fee reimbursements per month (up to $7.50 each)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How to earn up to 4.55% APY with the Cash Account<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Currently, we offer three ways to boost your APY and earn more on your cash:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Earn<\/strong> <strong>4.20% APY<\/strong> <strong>with a new client boost<\/strong>\u2014When you open a Cash Account as a new client, you\u2019ll get a 0.65% APY boost for three months on up to a $150K balance.<\/li>\n\n\n\n<li><strong>Earn<\/strong> <strong>4.30% APY<\/strong> <strong>when you refer a friend<\/strong>\u2014When they open their first Cash Account, you\u2019ll receive an 0.75% APY boost for three months on up to a $150K balance. Cash Accounts with an existing referral APY boost will also have the new APY of 4.30% for the remaining time.<\/li>\n\n\n\n<li><strong>Earn up to<\/strong> <strong>4.55% APY<\/strong> <strong>when you make recurring deposits + invest with us<\/strong>\u2014Add 0.25% APY\u2014ongoing and with no maximum balance\u2014when you make monthly qualifying deposits and also maintain a funded Wealthfront investing account. Combine it with a referral boost and you\u2019re earning a maximum of 4.55% APY for a limited time.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">Qualifying deposits are either A) direct deposit at least $1,000 per month into your Cash Account, or B) recurring deposits of at least $2,500 per month into any account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why is the APY going up?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Short answer: On September 16th, the Federal Reserve announced a 0.25% increase to the Federal Funds Rate, and we\u2019re passing that increase to our clients.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Longer answer: <a href=\"https:\/\/www.wealthfront.com\/blog\/wealthfront-isnt-a-bank\/\">Wealthfront isn\u2019t a bank<\/a>, but we partner with banks to give our clients access to better rates, sweeping your deposits to earn interest on your uninvested funds. The rates that banks offer broker-dealers like Wealthfront for your deposits can be higher than what they typically offer individual customers, which means we can pass a higher rate along to you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>We&#8217;re delighted to help you earn more on your cash, and we\u2019ll keep looking for opportunities to make the Cash Account even better in the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>A single place to save, invest, and manage your everyday finances<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><div class=\"o-grid__col-medium--12 o-grid__col--3 c-post__related c-post__box right\"><div class=\"c-post__box-content\">Earn an industry-leading APY on your short-term cash. <a href=\"https:\/\/www.wealthfront.com\/start\/account-type\/for?highLevel=banking&amp;intent=cash&amp;utm_source=blog&amp;utm_medium=pcallout&amp;utm_campaign=cashaccountapy\">Open a Cash Account<\/a><\/div><\/div><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Wealthfront, we want to help you build wealth on your own terms. We\u2019re proud to offer a Cash Account that allows you to earn more interest on your deposits so your cash can grow faster with no extra effort, no monthly fees, and no market risk. The Cash Account is built to hold your everyday cash and short-term savings until you\u2019re ready to invest. It comes with leading automation features so you can organize your saving and spending money into categories, track your progress against your goals, and when you add a Wealthfront investing account, you can invest in minutes whenever the market&#8217;s open.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Don\u2019t have a Cash Account yet? <a href=\"https:\/\/www.wealthfront.com\/start\/account-type\/for?highLevel=banking&amp;intent=cash&amp;utm_source=blog&amp;utm_medium=pcallout&amp;utm_campaign=cashaccountapy\">You can sign up for one here<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Today, we&#8217;re excited to share that Wealthfront Cash Account clients are earning a higher base rate on their cash. Your base APY is now 3.55%\u2014and you can earn even more with rewards. That means earning over 9x the national average for savings accounts on all your cash\u2014whether you\u2019re saving for a rainy day, organizing your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18434,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1360],"tags":[],"coauthors":[523],"class_list":["post-15806","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-product-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cash In With Your Wealthfront Cash Account Now8 Earns 3.55% APY | Wealthfront<\/title>\n<meta name=\"description\" content=\"Because the EFFR has stabilized at a higher rate within its target range, the cash in your Wealthfront Cash Account will earn 3.55% APY starting 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