Cash rate record
Betterment
Cash Reserve (base rate, without promotional boost)
Observed rate
3.50%
- Product
- Cash Reserve (base rate, without promotional boost)
- Last verified
- October 28, 2026
- Source
- www.betterment.com
Rate alerts
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Current commentary
Betterment pays a yearly rate of 3.50 percent on uninvested cash in its Cash Reserve (base rate, without promotional boost). This rate was also 3.50 percent about a month ago. The current top rate on this site’s leaderboard is 4.30 percent from Raisin. Rates can change and may depend on balance or account type, so this figure is an observation, not a promise.
Rate context
3.50 percent is the rate Betterment currently pays on uninvested cash through Cash Reserve (base rate, without promotional boost), according to its public page on October 28, 2026. The highest rate on the site's leaderboard is 4.30 percent at Raisin. Rates can change and may depend on balance or account type, so this is an observation, not a recommendation.
Rate history
Rate (%)
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History data
| Observed | Rate |
|---|---|
| Sep 5, 2026 | 3.25% |
| Sep 22, 2026 | 3.50% |
| Oct 28, 2026 | 3.50% |