Available nationwide, earn 3.25% APY on your funds when you upgrade to Robinhood Gold.
Note: Keep in mind that you can subscribe to Robinhood Gold for only $5 per month
Update 1/13/26: The rate has decreased to 3.25% APY from 3.50%.
Robinhood Gold Information
Here is your opportunity to earn a great rate on your funds. Open a new account and start earning interest and get started today!
- Rate Offer: 3.25% APY
- Availability: Nationwide
- Credit Inquiry: Unknown
- Credit Funding: Unknown
- Minimum Balance: None
- Maximum Balance: None
- Opening Deposit: Any
- Monthly Fee: Robinhood Gold for only $5 per month
- Early Termination Fee: None listed
(FDIC Insured)
| PROMOTION LINK | OFFER | OFFER |
| SoFi Checking and Savings Account | 3.30% APY + $325 Bonus | Review |
| Always.Bank Savings | 4.00% 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 |
ACH Capabilities and Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | ? | ? | ? | ? |
| Pull | ? | ? | ? | ? |
Account Rates
| Balance Requirement | APY Rate |
| $0.01+ | 3.25% APY |
Account Benefits
- Interest on your cash. Earn more interest on your uninvested cash. There’s no cap, and you can withdraw anytime.
- Bigger Instant Deposits. Get up to $50K of your deposits instantly, so you can jump on investment opportunities faster.
- Margin investing at 6.5%. Borrow money to increase your buying power, if eligible. (10.5% without Gold)
- Advanced market data. See people’s bids and asks on securities with Level II market data from Nasdaq.
- Professional research. Plan your next move with in-depth research by independent financial analysts at Morningstar.
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Author’s Verdict
If you have un-invested cash in your Robinhood account, it may be a great idea to subscribe to Robinhood Gold to earn a great rate on your funds to produce more capital to trade or just let your money grow while sitting dormant.
In addition to the current rate from Valley Direct, 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, or CIT Bank.
If you happen to know whether this account incurs a hard/soft pull, please let us know. Let us know about your thoughts and experience with this account! Be sure to check back on BankDealGuy for more bank rates!
