M1 offers 3.10% APY on money in your high-yield cash accounts. The rate applies to both individual and joint account types. Cash accounts are investment products offered through M1 Finance and are not traditional savings accounts.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the M1 High-Yield Cash Account rate
- Apply through the offer page to open the High-Yield Cash Account.
- Complete the requirement: No minimum stated.
The fine print that matters
- M1 high-yield cash accounts are investment products offered by M1 Finance, LLC, an SEC registered broker-dealer
- An open M1 investment account is required to participate
- All investing involves risk, including the risk of losing the money you invest
- M1 high-yield cash accounts are not FDIC insured
Verification and reports
Confirmed against m1.com on Aug 1, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: m1.com rate page (checked Aug 1, 2026)