Betterment has a nationwide promotion for their Cash Reserve Account and you can earn 3.25% APY! Betterment allows low risk investing for cash and is a great savings account alternative.
Update 12/15/25: The rate has decreased to 3.25% APY from 3.50%.
Betterment Cash Reserve Account Summary
Here is your opportunity to earn a highly competitive return rate on your funds. Open a new Betterment Cash Reserve Account and get started today!
- Rate Offer: 3.25% APY Rate
- Availability: Nationwide
- Expiration: None
- Credit Inquiry: Unknown
- Opening Deposit Requirement: $10
- Direct Deposit Requirement: None
- Monthly Service Fee: None
- Early Termination Fees: None
(FDIC Insured)
| PROMOTION LINK | OFFER | OFFER |
| SoFi Checking and Savings Account | 3.30% APY + $325 Bonus | Review |
| Always.Bank Savings | 4.10% APY | Review |
| Valley Direct Online Savings | 4.00% APY | Review |
| Valley Bank High Yield Savings | 3.96% APY + $1200 Bonus | Review |
| Centier Bank High Yield Savings | 3.90% APY + $1200 Bonus | Review |
| American First Credit Union Money Market Deposit | 3.90% APY + $1200 Bonus | Review |
| Western Alliance Bank High-Yield Savings | 3.80% APY + $1200 Bonus | Review |
| Live Oak Bank Savings | 3.80% APY | Review |
| Quontic Bank High Yield Savings | 3.50% APY | Review |
| Robinhood Gold | 3.25% APY | Review |
| Betterment Cash Reserve | 3.25% APY | Review |
| Upgrade Premier Savings | 3.05% APY | Review |
Account Rates
| Balance Requirement | APY |
| Any Amount | 3.25% |
Account Benefits
- Meet short-term goals with long-term security.
- Bucket your savings. Create separate stashes of cash for specific goals, and even set up auto-deposits for each. Save purposefully for whatever is on this year’s to-do, to-purchase, or to-make list.
- There are no limits on how often you can move money, and no fees to do so. You can withdraw in just 1–2 business days.
- FDIC Insured
Account Requirements
Simply open a new Betterment Cash Reserve Account and start earning the competitive rate!
Avoid Monthly Fees
- There are no monthly fees.
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Author’s Verdict
Betterment is offering a competitive APY for simply opening an account. If you are interested in this offer, be sure to apply as soon as you can!
In addition to the current rate from Betterment, you can also take advantage of a range of great promotions from banks such as HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, BBVA or CIT Bank.
Be sure to check back on BankDealGuy for more bank promotions and/or for more bank rates!
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