Bank
Betterment Savings Rates
Betterment’s best savings rate is 4.25% APY, with its Betterment Cash Reserve, with extra requirements. Rates checked October 26, 2026.
How Betterment’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Betterment
4.25%APY
- Requires
- Conditions apply
- Minimum
- $10
- Earns on $10,000 a year
- $425
Betterment Cash Reserve
Top rate
Service Credit Union
10.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $1,000
2nd-highest rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Betterment Cash Reserve
Up to 4.25%APY
Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Not a bank; funds deposited at Program Banks and FDIC-insured up to $4M individual / $8M joint. No account fees.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $1,000,000Base APY of 3.50% plus 0.75% APY boost on balances up to $1M for new clients with a qualifying deposit. Guaranteed through February 15, 2027. Variable APY; if base APY changes, boosted APY will change. $10 minimum deposit for base APY. · $10 to open | 4.25% | $10 | $425 | Base APY of 3.50% plus 0.75% APY boost on balances up to $1M for new clients with a qualifying deposit. Guaranteed through February 15, 2027. Variable APY; if base APY changes, boosted APY will change. $10 minimum deposit for base APY. |
| Any balance0.25% APY boost on top of current standard Cash Reserve rate (standard APY 3.50%) for 92 days from date claimed for existing Betterment clients with Betterment Checking, Betterment Visa Debit Card, and Cash Reserve, enrolled in DOSH cash-back program and redeemed cash-back rewards. Must claim offer within 30 days. Variable rate. · Unknown to open | 3.75% | Unknown | $375 | 0.25% APY boost on top of current standard Cash Reserve rate (standard APY 3.50%) for 92 days from date claimed for existing Betterment clients with Betterment Checking, Betterment Visa Debit Card, and Cash Reserve, enrolled in DOSH cash-back program and redeemed cash-back rewards. Must claim offer within 30 days. Variable rate. |
| Any balanceVariable APY. $10 minimum deposit for base APY. No monthly account fees. · $10 to open | 3.50% | $10 | $350 | Variable APY. $10 minimum deposit for base APY. No monthly account fees. |
Sources (4)
- betterment.com
- betterment.com/help/cash-apy
- betterment.com/cash-reserve
- betterment.com/legal/offers/ch…cash-reserve-boost-terms
All captured Oct 26, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.