Wealthfront | Earn 3.95% APY on your cash right until you need it

The APY rates and other information listed are as of January 30, 2026 and are subject to change. High Yield Savings Accounts were chosen based on being top rated by popular personal finance review platforms such as Bankrate and Nerdwallet.

The Base APY for the Cash Account is 3.30% as of January 30, 2026 but is variable and is subject to change. If you are eligible for the overall boosted rate of 3.95% offered in connection with this promo, your boosted rate is also subject to change if the base rate decreases during the three-month promotional period. See additional promo disclosure here.

Exceptionally safe. Your money gets up to $8 million in FDIC insurance (or $16 million for joint accounts). This is possible because we aren’t a bank — we sweep your deposits to up 32 program banks (each with its own federally-insured $250,000 limit) at any given time. As a result, you get up to 32x the FDIC insurance in a Wealthfront Cash Account than you’d get with a regular bank account.

Beyond the federal backstop provided by the FDIC, we keep your money secure by complying with the rules of our federal regulators, protecting your data with robust security practices, and conducting annual third-party accounting audits.

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Review Wealthfront Brokerage LLC with FINRA’s BrokerCheck here.

1. References to “Funded clients“ totals and “Total assets“ include clients with assets in products offered by both Wealthfront Advisers and Wealthfront Brokerage. “Funded clients“ totals and “Total assets“ are as of February 28, 2026.

2. Apple App Store and Google Play Store ratings are based on user ratings that are subject to change and submitted according to the applicable terms of use maintained by the Apple App Store and the Google Play Store. The Apple App Store and the Google Play Store do not utilize questionnaires or surveys and are not designed or prepared to produce any predetermined result. Users may submit ratings and verbatim feedback based on their experience with the Wealthfront application, which rating and or verbatim feedback may or may not reflect that user’s experience with the investment advisory product or service provided by Wealthfront Advisers. Reported ratings are as of August 15, 2025, and based on all user ratings submitted from February 2014 (Apple) and December 2015 (Google) through August 14, 2025. Ratings independently compiled by Apple, Inc., and Google, Inc., who receive compensation for hosting our app but not for collecting or compiling reported ratings.

3. Bankrate receives cash compensation for referring potential clients to Wealthfront Brokerage via advertisements placed on their website which creates a conflict of interest. While they receive compensation for referring potential clients, Bankrate’s opinions, statements, and rankings provided above represent independent endorsements by Bankrate, and their awards, which are not directly tied to such compensation, are determined by their editorial team. Wealthfront Brokerage and Bankrate are not associated with one another and have no formal relationship outside of this arrangement. Bankrate is not a client of Wealthfront Brokerage. The formula used for Best Cash Management Account takes into account the range of deposit products offered, fees, minimum balance requirements, availability of competitive APYs, the extent of ATM networks, and key digital banking features. Best Cash Management Account awards received January 10, 2023, December 12, 2023, and December 11, 2024. Wealthfront pays an annual license fee to use Bankrate’s awards in marketing materials. Learn more about their methodology and review process: https://www.bankrate.com/awards/2025/methodologies/.

4. The national average interest rate for savings accounts is 0.39% as posted on FDIC.gov, as of February 17, 2026.

The Cash Account is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member of FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and the Cash Account itself is not a deposit account. The Annual Percentage Yield (“APY”) on cash deposits as of January 30, 2026, is representative, requires no minimums, and may change at any time. The APY for the Wealthfront Cash Account represents the weighted average of the APY on the aggregate deposit balances of all clients at insured depository institutions that participate in our cash sweep program (the "Program Banks"). Wealthfront sweeps available cash balances to Program Banks where they earn a variable rate of interest and, subject to the satisfaction of certain conditions, are eligible for FDIC insurance. A list of current Program Banks can be found here: www.wealthfront.com/programbanks. Deposit balances are not allocated equally among the participating program banks. FDIC pass-through insurance is not provided until the funds arrive at the Program Banks, and protects against the failure of Program Banks, not Wealthfront. While cash balances are at Wealthfront Brokerage, and while they are transitioning to and/or from Wealthfront Brokerage to the Program Banks, they are not eligible for FDIC pass-through insurance, but are eligible for SIPC protection, subject to the limit of $250,000 for cash. FDIC insurance coverage is limited to $250,000 for the total amount of all deposits a customer holds in the same ownership capacity per banking institution, regardless of whether those deposits are placed through Wealthfront Brokerage, so you are responsible for monitoring your total deposits at each Program Bank to avoid exceeding FDIC limits. Wealthfront Brokerage partners with more than one Program Bank to make available up to $8 million (or up to $16 million for joint accounts) of FDIC pass-through coverage for your cash deposits. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The deposits at Program Banks are not covered by SIPC.

Wealthfront does not charge for wire fees to title and escrow companies and accounts you own at other institutions, but the receiving entity or institution may charge a fee. For more information about wires, visit www.wealthfront.com/legal/online-transfer-agreement.

Wealthfront Brokerage has partnered with Green Dot Bank to offer certain checking features including The Wealthfront Visa® Debit Card, send a check, and mobile check deposits to Wealthfront Cash Accounts. The Wealthfront Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa USA. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also offers certain Wealthfront Cash Accounts account & routing numbers which support additional checking features including bill pay, direct deposits, and payments through third-party sites. The checking features provided by Green Dot Bank for Wealthfront Cash Accounts are subject to identity verification by Green Dot Bank and the Wealthfront Visa® Debit Card is optional and must be requested. Green Dot Bank operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Wealthfront brokerage and advisory services are not affiliated with Green Dot Bank.

Wealthfront Brokerage has established a relationship with UMB Bank, National Association (“UMB Bank”), Member FDIC, which may allow certain Wealthfront Cash Accounts to opt-in to a limited-purpose account number and UMB Bank routing and transit number which will enable certain withdrawals and deposits into Wealthfront Cash Accounts including bill pay, direct deposits, and payments through third-party sites through the Automated Clearing House network. Wealthfront brokerage and advisory services are not affiliated with UMB Bank.

Fee-free ATM access is for in-network ATMs only. Out-of-network ATMs and bank tellers incur a $2.50 fee, plus any fee the owner or bank may charge. Fees and eligibility requirements may apply to certain checking features. See the Customer Debit Agreement at www.wealthfront.com/static/documents/client-agreements/green-dot-deposit-account-agreement.pdf for details. Copyright 2025 Green Dot Corporation. All rights reserved.

Wealthfront Brokerage Cash Account clients with an active Wealthfront Debit Card offered by Green Dot Bank are eligible for domestic out-of-network ATM fee reimbursement. Reimbursement covers fees on the first two withdrawals per card, per account, per month, including Green Dot’s $2.50 fee and up to $5.00 operator/owner fees (max $7.50 per transaction, $15 per month). Other fees are not reimbursed. No reimbursement is provided before September 16, 2024. Program may change or end without notice. See full terms at wealthfront.com/legal/out-of-network-terms.

Instant and same-day withdrawals use the Real-Time Payments (RTP) network or FedNow service. Transfers may be limited by your receiving institution, daily caps, or participating entities. New Cash Account deposits have a 2–4 day hold before transfer. Wealthfront does not charge fees for these services, but receiving institutions may impose an RTP or FedNow Fee. Processing times may vary.

The information contained in this communication is provided for general informational purposes only, and should not be construed as investment or tax advice. Nothing in this communication should be construed as tax advice, a solicitation or offer, or recommendation, to buy or sell any security. Any links provided to other server sites are offered as a matter of convenience and are not intended to imply that Wealthfront Advisers or its affiliates endorses, sponsors, promotes and/or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated otherwise.

By using this website, you understand the information being presented is provided for informational purposes only and agree to our Terms of Use and Privacy Policy. Wealthfront Advisers relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security. Additionally, Wealthfront Advisers or its affiliates do not provide tax advice and investors are encouraged to consult with their personal tax advisors.

All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Please see our Full Disclosure for important details.

Investment management and advisory services are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser, and brokerage related products are provided by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), a Member of FINRA/SIPC.

Wealthfront Advisers and Wealthfront Brokerage are wholly owned subsidiaries of Wealthfront Corporation.

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“The Wealthfront Cash Account is my main source of money coming in and going out. I just like the convenience of having everything in one place versus a whole bunch of services that I need to manage.”

“They always have me as a client, as a customer and a consumer with my best interests in mind... I have real time access to my money, even on weekends and holidays, which is a
remarkable feature.”

Is 3.30% APY a promotional rate? Will it change on me?

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