Promotional rate:
4.00% APY1
Secure a one-year APY boost
Standard rate: 3.35% APY1
Stop chasing rates and lock in this APY boost for the whole year ahead. Simply open a new High-Yield Cash Account before December 10, 2025 and you’ll get an extra +0.65% on top of our base APY1.
New Earn clients only. Promo terms and conditions apply, see details.
Stop hunting rates. Start building portfolios.
You don’t need to chase rates to build wealth. With M1, you can invest and hold “ready cash” in tandem. That’s because a High-Yield Cash Account is a useful companion to an M1 Invest account. It’s easy to set up Smart Transfers and choose your own rules for how money moves between the two. That’s sophisticated wealth-building, simplified.
Stop hunting rates. 
Start building portfolios.
You don’t need to chase rates to build wealth. With M1, you can invest and hold “ready cash” in tandem. That’s because a High-Yield Cash Account is the perfect companion to an M1 Invest account. It’s easy to set up Smart Transfers and choose your own rules for how money moves between the two. That’s sophisticated wealth-building, simplified.
A home to stash your uninvested cash
- No minimum balance
- Unlimited withdrawals
- FDIC-insured up to $4.75 million2
Here’s how it works
- Open a new High-Yield Cash Account on M1
- Add money to your account
- Enjoy your boosted rate for 12 months
Open a new High-Yield Cash Account by December 10, 2025 to get your boost
¹ Stated APY (annual percentage yield) with the M1 High-Yield Cash Account is accrued on account balance. APY is solely determined by M1 Finance LLC and its partner banks, and will include administrative and account fees that may reduce earnings. Rates are subject to change without notice. M1 High-Yield Cash Account is a separate offering from, and not linked to, the M1 High Yield Savings Accounts offered by M1 Spend LLC’s banking partner. M1 is not a bank.
2 The cash balance in your Cash Account is eligible for FDIC Insurance once it is swept to our partner banks and out of your brokerage account. Until the cash balance is swept to partner banks, the funds are held in a brokerage account and protected by SIPC insurance. Once funds are swept to a partner bank, they are no longer held in your brokerage account and are not protected by SIPC insurance. FDIC insurance is not provided until the funds participating in the sweep program leave your brokerage account and into the sweep program. FDIC insurance is applied at the customer profile level. Customers are responsible for monitoring their total assets at each of the sweep program banks. A complete list of participating program banks can be found here.
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