Home loans with clear rates upfront. Get your rate
Home loans with clear rates upfront.
Get a low rate without the runaround.
Home loans with clear rates and terms upfront.
Get a low rate and estimated monthly payment without the runaround.
Earn up to 4.20% APY
Your cash earns a base 3.30% APY and higher!
Zero account fees
Free 24/7 instant withdrawals
Up to $8M FDIC insurance through program banks
3.30% Base Annual Percentage Yield (APY) as of 1/30/26 is provided by program banks and is subject to change. APY Boost is up to a $150,000 balance. See additional terms in the footer.
Earn more with two great rewards
You can raise the 3.30% base APY in two easy ways:
Open and fund a Cash Account
New clients earn 3.95% with a 0.65% APY boost for 3 months on up to $150,000.
Direct deposit and invest with us
Get a 0.25% APY increase—no expiration date or balance limit—when you direct deposit $1,000 a month, plus open and fund any investing account.
Turn your savings into wealth
A smart investing strategy can help you earn more over time than a high yield on cash, despite the added risk. So whether you need an all-in-one index investing account or a specific strategy to complement your portfolio, all our investing products are designed to benefit your long-term bottom line.
Built and managed for you
Build long-term wealth with our award-winning automation and time-tested best practices.
Automated Investing Account
An all-in-one portfolio of diversified index funds, designed for long-term growth and personalized to you.
9.82% average annual returns since inception Annualized returns: 1-year: 27.89%, 5-year: 10.28%, 10-year: 11.51%
Build long-term wealth with best-practice investing
Managed automatically, so you don’t need to talk to anyone
Explore other managed accounts:
Make the most of your money, wherever you’re at.
Growing your savings
Earn interest on every penny of your paycheck.
Building wealth together
Save, spend and earn as a couple, all in one place.
Managing complex finances
Find a simpler way to manage your money.
“Wealthfront beats out Fidelity, Schwab and Vanguard when it comes to direct indexing and tax-loss harvesting.
From Forbes, July 26, 2025. 2025 Forbes Media LLC. All rights reserved. Used under license. Forbes and the author are not clients of Wealthfront and no compensation was provided for the article.
Questions? 5 things to know in 5 minutes or less.
To learn more about Wealthfront, read our whitepapers or visit the help center.
Are there any restrictions around the 3.30% APY? Is this a promotional rate?
What kind of fees do you charge? Is there a minimum to know about?
How is automated investing at Wealthfront different?
What is Tax-Loss Harvesting? And what does that mean for me?
How is the Stock Investing Account different from the Automated Investing Account?