# M1 High-Yield Cash Account: 3.10% APY

Canonical: https://dealaka.com/offers/m1-high-yield-cash-account-rate

- Status: Limited reports
- Bonus: 3.10% APY
- APY: 3.10% (ongoing APY)
- Requirement: No minimum stated
- Expires: no published end date
- Availability: Nationwide
- Institution: M1
- Verified: Aug 1, 2026 against m1.com
- Field reports: 0

## Summary
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.

## Requirements
1. Apply through the offer page to open the High-Yield Cash Account.
2. Complete the requirement: No minimum stated.

## 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

## Sources
- m1.com rate page <https://m1.com/transfer/> (checked Aug 1, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._