Wealthfront's Cash Account earns a base 3.30% APY from program banks with no account fees and free instant withdrawals. New clients can earn up to 3.95% APY for 3 months on up to $150,000 with a 0.65% promotional boost. The rate is subject to change in response to federal funds rate changes.
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 Wealthfront Cash Account rate
- Apply through the offer page to open the Cash Account.
- Complete the requirement: No minimum, FDIC insured up to $8M.
The fine print that matters
- 3.30% base annual percentage yield (APY) as of 01/30/2026 is provided by program banks and is subject to change
- APY boost is up to a $150,000 balance
- New clients earn 3.95% with a 0.65% apy boost for 3 months on up to $150,000
- Direct deposit and invest gets 0.25% apy increase with no expiration date or balance limit when you direct deposit $1,000 a month
- Interest accrues daily based on current balance and pays out near the beginning of each month
- Funds sweep to up to 32 program banks for FDIC insurance
Verification and reports
Confirmed against wealthfront.com on Aug 10, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: wealthfront.com rate page (checked Aug 10, 2026)
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