{"id":18075,"date":"2026-01-28T13:00:24","date_gmt":"2026-01-28T21:00:24","guid":{"rendered":"https:\/\/canary.kcprod.info/blog\/?p=18075"},"modified":"2026-01-28T13:00:26","modified_gmt":"2026-01-28T21:00:26","slug":"apy-increase-effr","status":"publish","type":"post","link":"https:\/\/canary.kcprod.info/blog\/apy-increase-effr\/","title":{"rendered":"Why We\u2019re Raising the APY on Your Cash"},"content":{"rendered":"\n

Starting this Friday, January 30, the base rate your cash earns in the <\/strong>Cash Account<\/strong><\/a> will increase to 3.30% APY<\/strong> (annual percentage yield) from program banks.\u00a0<\/p>\n\n\n\n

Our goal has always been to build high-quality products at a low cost, and share more of the savings with our clients\u2014and that includes the Cash Account. The APY offered on the Cash Account typically changes in response to shifts in the federal funds rate, which is expressed as a target range. Today, that target range has not changed. But the effective<\/em> federal funds rate, or EFFR, has recently stabilized at a higher rate within that target range, and that means we can pass along more interest to you as a result.<\/p>\n\n\n\n

Our program banks, where we sweep Cash Account deposits, pay interest based on the EFFR. That means that when the EFFR moves a bit higher, so does the amount of interest these banks pay. The chart below shows the difference between the EFFR and the lower end of the target range since 2022. As you can see, the EFFR was close to the bottom end of the range for several years. However, within the last few months, the EFFR has climbed within the range.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Because the EFFR has been stable at a higher rate within its target range, we want to share that increase with you. <\/p>\n\n\n\n

We know you have many choices about where to build your wealth, and we work hard to ensure Wealthfront is the easy answer. One way we do this is by offering a high APY for your cash in the Cash Account, so your savings can earn an industry-leading rate until you\u2019re ready to invest. We also share savings in other ways, like offering free instant transfers (which other institutions often charge extra for), reimbursing up to two out-of-network ATM fees per month (for those times when you can\u2019t get to one of the 19,000+ free in-network ATMs), and charging no monthly fees. We\u2019re glad to have this opportunity to make the Cash Account an even better place to save and manage your every day finances. Thank you for choosing Wealthfront.<\/p>\n","protected":false},"excerpt":{"rendered":"

Starting this Friday, January 30, the base rate your cash earns in the Cash Account will increase to 3.30% APY (annual percentage yield) from program banks.\u00a0 Our goal has always been to build high-quality products at a low cost, and share more of the savings with our clients\u2014and that includes the Cash Account. The APY […]<\/p>\n","protected":false},"author":10003,"featured_media":18077,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1360],"tags":[],"coauthors":[2446],"class_list":["post-18075","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-product-news"],"acf":[],"yoast_head":"\nWhy We\u2019re Raising APY on Your Cash to 3.30% | Wealthfront<\/title>\n<meta name=\"description\" content=\"The Fed left rates unchanged, but we saw an opportunity to pass along more interest to Wealthfront clients.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/canary.kcprod.info/blog\/apy-increase-effr\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" 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