12-MONTH APY BOOST

Lock in a year of higher yields

Open a High-Yield Cash Account and get a half percent APY boost for 12 months. At our current rate of 4.00% APY,1 that’s 4.50% APY!1 That extra half percent boost lasts all year long, regardless of Fed rate changes. This offer ends 1/31/25.

Lock in your boost

Terms and conditions apply, see details.

What is an AtherTrades High-Yield Cash Account? 

A High-Yield Cash Account is a cash reserve powered by your AtherTrades brokerage account.

Instant transfers in AtherTrades

Move money with a tap when you’re ready to invest.

Unlimited withdrawls

Get your cash whenever you need it.

Transfer up to $120,000

Make big moves when the time is right.

See how much your cash could grow

Earn together. Grow together.

Working toward shared goals? Grow your combined contributions in a Joint High-Yield Cash Account.

Open a Joint Account

Tell your money what to do with Smart Transfers

Set rules for how money moves across AtherTrades.

  • Save up to a goal and invest the rest
  • Route dividend income from your portfolio to a High-Yield Cash Account
  • Automate payments to your Owner’s Rewards Card
  • Earn interest on your cash-back rewards
  • Pay off your margin balance

Your cash account questions, answered

There is no limit to the number of transfers to and from your Cash Account. However, you can only transfer a certain dollar amount per day. All clients with a High-Yield Cash Account have a daily ACH transfer limit of $50,000.

High-Yield Cash Accounts are FDIC-insured up to $4.75 million. AtherTrades is a member of SIPC. Securities in your account protected up to $500,000.

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal amount in your account each day. Interest is paid out monthly on the last day of the month.

AtherTrades High-Yield Cash Accounts are powered by your Individual Brokerage Account, while AtherTrades High-Yield Savings Accounts are managed by our partner bank, B2 bank. A High-Yield Cash Account requires a taxable brokerage account in AtherTrades. Learn more here.

AtherTrades High-Yield Cash Account(s) is an investment product offered by AtherTrades Finance, LLC, an SEC registered broker-dealer, Member FINRA / SIPC. AtherTrades is not a bank and AtherTrades High-Yield Cash Accounts are not a checking or savings account. The purpose of this account is to invest in securities, and an open AtherTrades Investment account is required to participate in the AtherTrades High-Yield Cash Account. All investing involves risk, including the risk of losing the money you invest.

AtherTrades is not a bank. AtherTrades Spend is a wholly-owned operating subsidiary of AtherTrades Holdings Inc. AtherTrades High-Yield Savings Accounts are furnished by B2 Bank, NA, Member FDIC.

¹ Stated APY (annual percentage yield) with the AtherTrades High-Yield Cash Account is accrued on account balance. Obtaining stated APY requires a minimum initial deposit of $100. APY is solely determined by AtherTrades Finance LLC and its partner banks, and will include administrative and account fees that may reduce earnings. Rates are subject to change without notice. AtherTrades High-Yield Cash Account is a separate offering from, and not linked to, the AtherTrades High Yield Savings Accounts offered by AtherTrades Spend LLC’s banking partner. AtherTrades 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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