What your idle cash earns
Highest published rates on uninvested cash: Robinhood 3.6% APY (Gold); moomoo 3.6% APY (qualifying); Wealthfront 3.55% APY (per each broker's own page, checked Oct 30, 2026).
Last updated · 12 official sources (listed below)
The rate each broker pays on uninvested cash, and the catch (subscription, balance tier, opt-in). Rates move often; each row shows the broker's own "as of" date. Click a broker for its full cash-rate page.
| Broker | Rate | Tier / catch | Rate as of | Source |
|---|---|---|---|---|
| Robinhood | 3.6% APY (Gold) | Requires Robinhood Gold subscription and opting in to High-Yield Cash. Non-Gold rate not stated on this page. | Oct 30, 2026 | source |
| moomoo | 3.6% APY (qualifying) | Existing customers who haven't met the deposit/transfer conditions get 0.03%. Requires Cash Sweep enrollment. Promo page says rate as of 18/09/26. | Sep 18, 2026 | source |
| Wealthfront | 3.55% APY | Wealthfront Cash Account (program banks). Promotional boosts up to 4.45% on up to $150k. | Oct 1, 2026 | source |
| Fidelity | 3.52% | 7-day yield of the Government Money Market Fund core position (SPAXX). Not an APY; varies daily. | Oct 22, 2026 | source |
| Interactive Brokers | 3.38% | Nothing paid on the first $10,000; accounts under $100k NAV get a proportionally lower rate. | Oct 30, 2026 | source |
| Public | 3.30% APY | High-Yield Cash Account (a separate brokerage account). 3.75% with the paid Public Reserve subscription. | Sep 17, 2026 | source |
| Firstrade | 0.15% | 0.15% at every balance tier; FDIC-insured deposit rate also 0.15%. Credit rate effective 12/20/2024. | Dec 20, 2024 | source |
| TradeStation | 0.15% (over $100k only) | Nothing paid on balances of $100,000 or less; IRAs excluded. Program effective Oct 1, 2022. | Oct 1, 2022 | source |
| Charles Schwab | 0.01% APY | Bank Sweep / Schwab One Interest (same rate). Money funds such as SWVXX pay more but are not the default. | Oct 30, 2026 | source |
| E*TRADE | 0.01% APY | 0.01% for balances up to $499,999; 0.05% at $500k–$999,999; 0.15% at $1M+. | Oct 30, 2026 | source |
| Merrill Edge | 0.01% APY | Default bank sweep. 0.05% at $1M-$9.99M, 0.15% at $10M+. Preferred Deposit (non-sweep, $100k minimum) pays 3.15%. | Oct 29, 2026 | source |
| Ally Invest | 0% | Self-Directed cash earns nothing; Ally Bank accounts are separate. | Oct 30, 2026 | source |
| Vanguard | not published | Settlement fund (VMFXX) yield page renders blank to both scripts and web readers. | ||
| Webull | not published | Cash-management page (re-read 2026-10-30) still renders the APY as '--'; the rate is shown only in-app. | ||
| SoFi Invest | not published | Cash-sweep help page (re-read 2026-10-30) says interest is variable and points to an account-level rate; no APY in the page text. | ||
| tastytrade | not published | Fee schedule and help pages don't publish a rate on uninvested cash. | ||
| J.P. Morgan Self-Directed (Chase) | not published | Sweep-yields page tells Self-Directed clients to call the Client Service Center for the sweep rate; none is published. |
Sources
- https://public.com/high-yield-cash-account
- https://robinhood.com/us/en/gold/
- https://us.etrade.com/l/options-uninvested-cash/sweep-rates
- https://www.ally.com/invest/commissions-and-fees/
- https://www.fidelity.com/page/manage-cash-rising-costs
- https://www.firstrade.com/trading/pricing/margin-rates
- https://www.interactivebrokers.com/en/accounts/fees/pricing-interest-rates.php
- https://www.moomoo.com/us/support/topic4_221
- https://www.mymerrill.com/Publish/Content/application/pdf/GWMOL/ICCRateSheet.pdf
- https://www.schwab.com/cash-investments
- https://www.tradestation.com/faqs/
- https://www.wealthfront.com/cash
Each source was read on or before Oct 30, 2026. Fees and rates change; confirm on the broker's site before acting.