{"id":15806,"date":"2026-01-29T17:04:06","date_gmt":"2026-01-30T01:04:06","guid":{"rendered":"https:\/\/canary.kcprod.info/blog\/?p=15806"},"modified":"2026-03-02T08:17:46","modified_gmt":"2026-03-02T16:17:46","slug":"cash-account-apy","status":"publish","type":"post","link":"https:\/\/canary.kcprod.info/blog\/cash-account-apy\/","title":{"rendered":"Cash In Your Wealthfront Cash Account Now Earns 3.30% APY"},"content":{"rendered":"\n<p>Wealthfront is always looking for opportunities to help you earn more on your cash. <strong>Today, we\u2019re happy to announce that cash in your Wealthfront Cash Account will earn 3.30% APY (annual percentage yield) starting on Friday, January 30, 2026. <\/strong>This increase is a result of the effective federal funds rate, or EFFR, stabilizing at a higher rate within its target range\u2014meaning we can pass along more interest to you.&nbsp;<\/p>\n\n\n\n<p>This base APY is 8x the national average for savings accounts, making the Cash Account a desirable home for your uninvested cash, whether you\u2019re building a rainy day fund, organizing your spending money, or getting ready to invest. In addition to a high APY, you get:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No monthly fees<\/li>\n\n\n\n<li>Many ways to conveniently access your cash, including free 24\/7 instant withdrawals, a debit card, compatibility with apps like Venmo &amp; Apple Pay, free wire transfers, and the ability to send and deposit checks for free<\/li>\n\n\n\n<li>Up to $8 million of FDIC insurance through our program banks<\/li>\n\n\n\n<li>Ability to use account &amp; routing numbers to pay bills like your credit card, daycare, and mortgage&nbsp;<\/li>\n\n\n\n<li>Access to 19,000+ free ATMs, with two out-of-network ATM fee reimbursements per month<\/li>\n<\/ul>\n\n\n\n<p>Currently, there are three additional ways to boost your APY and earn more on your cash:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you sign up as a new client, you\u2019ll receive an 0.65% APY boost for three months, meaning your new APY will be 3.95%.&nbsp;<\/li>\n\n\n\n<li>If you make a referral, you\u2019ll receive an 0.75% APY boost for three months, meaning your new APY will be 4.05%. Cash Accounts with an existing APY boost will also have the new APY of 4.05%.<\/li>\n\n\n\n<li>Starting on March 2, 2026, you can earn an additional 0.25% APY indefinitely if you direct deposit at least $1,000 per month to your Cash Account and also have a funded Investing Account.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Why is the APY going up?<\/h2>\n\n\n\n<p>The APY is going up because the EFFR has stabilized at a higher rate within its target range for the first time in several years. You can read more about the details in <a href=\"https:\/\/www.wealthfront.com\/blog\/apy-increase-effr\/\">this blog post<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>A desirable place to save and manage your everyday finances&nbsp;<\/strong><\/strong><\/h2>\n\n\n\n<div class=\"o-grid__col-medium--12 o-grid__col--3 c-post__related c-post__box right\"><div class=\"c-post__box-content\">Earn an industry-leading APY on your short-term cash. <a href=\"https:\/\/www.wealthfront.com\/start\/account-type\/for?highLevel=banking&amp;intent=cash&amp;utm_source=blog&amp;utm_medium=pcallout&amp;utm_campaign=cashaccountapy\">Open a Cash Account<\/a><\/div><\/div>\n\n\n\n<p>At Wealthfront, we want to help you build wealth on your own terms. We\u2019re proud to offer a Cash Account that allows you to earn more interest on your deposits so your cash can grow faster with no extra effort, no monthly fees, and <a href=\"https:\/\/www.wealthfront.com\/blog\/short-term-long-term-savings\/\">no market risk<\/a>. The Cash Account is a desirable home for your everyday cash and <a href=\"https:\/\/www.wealthfront.com\/blog\/short-term-long-term-savings\/\">short-term savings<\/a> until you\u2019re ready to invest, and it comes with leading automation features so you can organize your saving and spending money into categories, track your progress against your goals, and invest your money within minutes during market hours.&nbsp;<\/p>\n\n\n\n<p>Don\u2019t have a Cash Account yet? <a href=\"https:\/\/www.wealthfront.com\/app\/account-type\">You can sign up for one here<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Wealthfront is always looking for opportunities to help you earn more on your cash. Today, we\u2019re happy to announce that cash in your Wealthfront Cash Account will earn 3.30% APY (annual percentage yield) starting on Friday, January 30, 2026. This increase is a result of the effective federal funds rate, or EFFR, stabilizing at a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18087,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1360],"tags":[],"coauthors":[523],"class_list":["post-15806","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-product-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cash In Your Wealthfront Cash Account Now Earns 3.30% APY | Wealthfront<\/title>\n<meta name=\"description\" content=\"Because the EFFR has stabilized at a higher rate within its target range, the cash in your Wealthfront Cash Account will earn 3.30% APY starting January 30, 2026.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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