We’re pleased to share that the USD Interest Account now pays 4.5% APY on all balances of $10 or more.

This update reflects our ongoing commitment to provide access to industry leading interest rates and make it easier to earn on your holdings, whether crypto or national currencies like USD.

What’s Changing?

Starting on July 21, 2025, the interest rate on balances of $10 or more will be 4.5% APY. Any account balance below $10 will earn 2.0%.1

Uphold remains dedicated to offering access to rates competitive with the market.

What Does This Mean for You?

Your USD Interest Account will continue to grow your balance, and you don’t need to do anything—the new rate will apply automatically. To maximize your earning potential balances of $10 or more now earn the headline rate.

FAQs

1. What do I need to do?
   Nothing at all! The updated rate will apply automatically starting on July 21, 2025.
2. Can I add more funds?
   Absolutely. You can deposit additional funds at any time to take full advantage of the 4.5% rate on balances of $10 of more.
3. When does this take effect?
   The new rates will apply starting on July 21, 2025.

In Summary:

Uphold continues to provide access to a convenient way to earn interest and grow your USD balance. Your funds remain eligible for FDIC insurance2 through program banks, and your account will continue to earning one of the leading interest rates automatically.

Have questions? Click below to discover more about the USD Interest Account.

Learn more

 

¹ Balances of $10 or more earn 4.5% APY. Balances below $10 earn 2.0% interest. Rates are subject to change. Interest is paid on a monthly basis and is compounded monthly. 
² You are able to have up to $2,500,000 ($250,000 per depositor, per insured bank for each account) Federal Deposit Insurance Corporation (FDIC) insurance for deposits in your Atomic Brokerage account when those deposits are swept to all ten Program Banks in the Atomic Cash Sweep Program. Funds held in your Atomic Brokerage account are not FDIC insured. Funds held in your Atomic Brokerage account solely for the purpose of accessing the Cash Sweep are also not protected by SIPC.

Disclosure: Uphold is not affiliated with, but has an engagement with, Atomic Brokerage LLC (“Atomic Brokerage”), a registered broker-dealer and member of FINRA and SIPC, to bring you the opportunity to open a brokerage account through Atomic Brokerage (“USD Interest Account”) in which cash is swept into unaffiliated bank deposit accounts opened for you by, and in the name of, Atomic Brokerage as agent and custodian. You should not expect cash in your USD Interest Account to be protected by SIPC or FDIC insurance, and cash is only protected by FDIC insurance (subject to coverage limits and eligibility requirements) once deposited by Atomic in the unaffiliated bank deposit accounts. If you prefer your cash to be invested in a Money Market Fund eligible for SIPC coverage, you must send an email to [email protected] to discuss your options. For full details about the Atomic Cash Sweep Program, see the Terms & Conditions. For more details about Atomic, please see their Form CRS, General Disclosures, Privacy Policy, and BrokerCheck. Neither Atomic nor any of its affiliates is a bank.