Earn up to 4.65% APY on your USD balance
No lockups4, no monthly fees, FDIC insured2
How much would you earn on a balance of $10,000?
● USD Interest Account3 (4.65% APY1)
○ National average savings rate (0.59% APY)
The national average savings account yield was 0.59 percent APY, according to Bankrate’s survey of institutions as of Aug. 29. Illustration assumes a one-time $10,000 deposit with interest paid annually.
Earn USD better
For the first time at Uphold, you can earn up to 4.65% APY1 on your USD balance by moving funds to a USD Interest Account3
Earn up to 4.65% APY
Supercharge your USD balance by earning up to 4.65% APY1 (2% on balances under $1,000).
FDIC insured
Your money is fully FDIC insured2 at program banks up to $2.5 million.
No lockup periods
Funds can be moved instantly4 between the USD Interest Account3 and Uphold’s crypto trading platform5.
$1 min, no max—no caps
The USD Interest Account3 is designed for anyone, with a minimum deposit of just $1 and zero monthly fees.
All in the Uphold app
No wait times4. No changing platforms. Do it all from the convenience of the Uphold app!
Earn while you sleep
Moving USD between trading5 and bank accounts can be cumbersome and typically incurs fees.
As a result,
Crypto traders5 often miss out on earning interest on funds they leave sitting idle in stablecoins and fiat.
Now, with the USD Interest Account3, you can maximize your earnings effortlessly.
FDIC insured
Source: www.fdic.gov
Start earning up to 4.65% APY
- 1.
Open the Uphold app
Make sure you have the latest version
- 2.
Tap Interest
- 3.
Make your first deposit
- 4.
Watch your money grow
Frequently Asked Questions
A USD Interest account is a brokerage account that provides you the opportunity to earn up to 4.65% APY on US Dollars and provides access to FDIC insurance at program banks. The USD Interest Account is fully integrated into the Uphold App.
You can withdraw at any time - there is no lock up period - and deposit from as little as $1 with no cap.
For crypto traders, it’s an easy, convenient, and cost effective way to earn interest on USD while keeping funds handy for trading.
Gone are the days when you have to shuffle money backwards and forwards to a bank account to access interest and insurance protection.
The account is provided by Atomic Brokerage, a U.S. broker dealer, and can be opened in seconds via the Uphold App.
Key features:
- 4.65% interest on USD balances above $1,000
- 2% interest on USD balances $1-999
- $2.5 million in FDIC insurance at program banks
- No lock up period - access your funds instantly
- Move USD to and from crypto trading instantly
- No subscription required
- Yield generated through a US cash-sweep program
So what are you waiting for? This is an industry-leading offer. Put your US Dollars to work today.
Atomic Brokerage LLC ("Atomic Brokerage") is a registered broker-dealer and subsidiary of AtomicVest Inc. The company provides brokerage services. Through its integrated service model, you’re given access to a USD Interest Account, without ever leaving the Uphold environment.
Atomic Brokerage is registered with the SEC and is a member of FINRA / SIPC. You can find out more about Atomic Brokerage on FINRA's BrokerCheck website.
If you’re a U.S. resident, you’re likely to qualify for an account provided:
- You do not reside in New York, Texas, Illinois, and US overseas territories
- You’re at least 18 years old
- You’ve successfully set up an Uphold account
- You’re not a 10% shareholder, officer or executive at a public company
- You’re not an employee at a FINRA broker-dealer
- You’re not a politician or have a close family member in politics
- 4.65% on USD balances of $1,000 or more
- 2% on balances below $1,000
Interest rates may vary based on market conditions and other factors. We will notify you in advance of any changes.
Interest is accrued daily and paid out monthly, up to the 15th day of each month.
You’ll receive a push notification and an email every time interest is paid.
The interest value is paid into your USD Interest Account.
For transparency, you can check the daily accrued interest value in the Uphold App.
Your funds participating in the cash-sweep program are FDIC-insured up to $2.5M at program banks. 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. See the program Terms and Conditions for more information.
Access to your funds is typically available at any time. Transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Additionally, sometimes transfers can be delayed.
No. Balances of $1,000 or more qualify for our highest rate of interest - 4.65%.
The minimum balance to start earning interest is $1. You’ll earn 2% interest on any amount between $1 - $999.
Within one business day.
Unlike many competitor products, there are no subscription charges or other account fees with the USD Interest account.
From the Uphold App. On the USD Interest screen just tap “Money In” and select a funding source.
If you use USD, there are no trading fees.
You can also move money directly from cryptocurrencies into your USD Interest Account. There will be a standard exchange fee for currency conversion.
Atomic Brokerage can close your USD Interest Account at their discretion. Also, accounts with no activity for one year, with balances below $1, are considered inactive, and therefore may be closed. All you need is make sure you have enough balance to generate interest.
Before closing an account, due to inactivity, Atomic Brokerage will notify you and you will be given 30 days to fund your account and keep your money working for you.
Trust in Transparency
Unveil the transparency you need - gain insights into fees, find quick help, answer your queries, and feel secure with our lawful dedication.
Navigate your way with our detailed answers to frequently asked questions.
With reserves exceeding 100%, your funds are ready for withdrawal anytime.
Our commitment to meet legal requirements.
Instant assistance and answers.
1 Balances of $1,000 or more earn 4.65% APY. Balances under $1,000 earn 2% APY. Rate is subject to change.
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.
3 USD Interest Account is a brokerage account offered by Atomic Brokerage LLC, member FINRA/SIPC, for participation in the Atomic Cash Sweep Program. Content provided for informational purposes only and not investment advice. Crypto not offered through Atomic Brokerage.
4 Access to your funds is typically available within seconds. Transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Additionally, sometimes transfers can be delayed.
5 Crypto is offered by Uphold and held in an Uphold account.
Uphold HQ Inc. 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. For more details about Atomic Brokerage, please see the Form CRS, the Atomic Brokerage General Disclosures, and the Privacy Policy. Check the background of Atomic Brokerage on FINRA’s BrokerCheck. Technology services may be provided by AtomicVest, Inc. Neither Atomic Brokerage, nor any of its affiliates, is a bank.
The Atomic Cash Sweep (“Cash Sweep”) is a product offered by Atomic Brokerage that allows clients to earn interest on the available cash in their Atomic Brokerage account. Through Cash Sweep, clients’ funds are deposited into an interest-bearing deposit account (“Deposit Account”) at one or more banks (“Program Banks”), where the funds earn a variable interest rate and are eligible for FDIC insurance coverage.
The annual percentage yield (APY) on the deposit balances in Cash Sweep is variable and subject to daily changes. Clients’ actual APY may be lower if they designate certain banks as ineligible to receive their deposits. The Program Bank list may change over time. For a current list of the Program Banks at any point in time, please refer to Atomic Brokerage’s website or contact Atomic Brokerage. Atomic Brokerage and third parties receive a fee for the Atomic Cash Sweep program.
If you participate in Cash Sweep, you authorize Atomic Brokerage to allocate your funds among one or more Program Banks at its discretion. Deposits at each Program Bank are insured by the FDIC up to $250,000 per insurable capacity. In total, funds deposited into Cash Sweep are eligible for up to $2,500,000 of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity at up to 10 Program Banks). However, if clients exclude certain Program Banks, the amount of available FDIC insurance may be lower. Clients are responsible for monitoring the total amount of deposits that they have with each Program Bank, in order to determine the extent of FDIC deposit insurance coverage available to them. For more information on FDIC insurance, visit www.FDIC.gov.
Balances maintained in the Deposit Accounts at each Program Bank are FDIC insured but are not protected by SIPC. You should not expect cash deposited in an Atomic Brokerage account solely for the purpose of accessing the Cash Sweep 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. You may obtain further information about SIPC coverage, including a brochure that describes SIPC and SIPC insurance, by accessing the SIPC website at www.sipc.org.
For more details about Cash Sweep, see the full Atomic Brokerage LLC Cash Sweep Program Terms & Conditions.
Images are for illustrative purposes only.