Get up to $15,000 to invest
Switch to an investing platform that’s elegant and easy-to-use. Always commission-free Commission-free trading of stocks and ETFs refers to $0 commissions charged by M1 Finance LLC for self-directed brokerage accounts. Other fees may apply such as regulatory, M1 Plus membership, account closures, and ADR fees. For complete list of fees, visit m1.com/legal/disclosures/misc-fees , M1 gives you the power to automate your strategy. And right now, you can get an investment bonus up to $15,000 when you transfer from another brokerage. Promotional terms & conditions apply.
5.00% APY1 to accelerate your savings
M1 Plus members earn 5.00% APY1 with the M1 High-Yield Savings Account, one of the highest out there. It’s FDIC-insured up to $5 million3—20x higher than standard protections. See how quickly your savings could grow with our interest calculator.
Borrow on margin for as low as 6.95%
With M1 Margin Loans, you can put your portfolio to work. Borrow against 40% of your portfolio’s value and get one of the lowest rates on the market—all paperwork-free.
Get up to 10% cash back in credit card rewards
With the Owner’s Rewards Card in your wallet, you can pay yourself back as you spend. Earn up to 10% cash back2 and automatically re-invest your rewards in your portfolio. Better yet, there’s no annual fee.
Borrow at low rates, fee-free
Whether you’re consolidating debt or gearing up for a big purchase, get the funding you need fast with M1 Personal Loan. Pay it off on your schedule—no fees or pre-payment penalties.
To see the difference between personal loans and margin loans, click here
M1 Plus: Get the best of M1 for just $10 a month
M1 Plus is a membership that gives you the best rates and tools that M1 has to offer, including:
Top-tier account protections to give you more peace of mind
Member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.
All M1 High-Yield Savings Accounts deposits are FDIC-insured up to an aggregate total of $5 million.3
As a technology-first company, M1 utilizes the latest in information security to keep your private information secure.
Join hundreds of thousands
who trust us with $6 billion
Information as of June 2023
Best for Sophisticated Investors and Low Costs
App for Portfolio Customization
One of the best robo-advisors of 2023
One of the best Roth IRAs
Over 60,000 users left 5-star reviews4
1 Obtaining stated APY (annual percentage yield) or opening a savings account does not require a minimum account balance. Stated APY is valid from date of account opening. Account fees may reduce earnings. Higher APY rate subject to paid M1 Plus subscription. Rates are subject to change.
2 1.5% – 10% Owner’s Rewards cash back earned on eligible purchases subject to a maximum of $200 cash back per calendar month. Cash back rates of 2.5% – 10% require an active M1 Plus subscription (billed at $95 annually or at $10 monthly).
3 B2 Bank is a member FDIC institution and does not itself provide more than $250,000 of FDIC insurance per legal category of account ownership as described in FDIC regulations. Additional FDIC insurance coverage is provided through B2’s Insured Deposit Network Program involving other FDIC insured depository institutions. Deposits may be insured up to $5,000,000 through B2’s Insured Deposit Network Program. Full terms of the Program can be found at m1.com/legal/agreements/HYSA_Agreement and a complete list of participating banks in the program can be found at m1.com/legal/agreements/depositnetwork.
4 Sources: https://apps.apple.com/us/app/m1-finance/id1071915644 & https://play.google.com/store/apps/details?id=com.m1finance.android&hl=en_US&gl=US
APR ranges from 19.99% – 29.99% based on creditworthiness of the applicant. APR will vary with the market based on the Prime Rate. There is no Annual Fee for the Owner’s Rewards Card. Rates as of June 2, 2023.
*Lowest fixed rates available to M1 Plus members only, subject to credit history, income, term of loan, and other factors.
*M1 Plus is a paid membership that confers benefits for products and services offered by M1 Finance LLC, M1 Spend LLC and M1 Digital LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. “M1” refers to M1 Holdings Inc., and its affiliates.
^Rates are not guaranteed and are subject to change. Not all applicants qualify for the lowest available rate.