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Cash Investment Center: Rates and Tiers

Cash Sweep

Cash sweep program pays interest at specific rates based on the tiers below, which yields a blended rate over the entire balance.

As Of May 6, 2020
Tier Rate APY
$0–$24,999 0.01% 0.01%
$25,000–$74,999 0.01% 0.01%
$75,000–$99,999 0.01% 0.01%
$100,000–$249,999 0.01% 0.01%
$250,000–$499,999 0.01% 0.01%
$500,000–$1,999,999 0.01% 0.01%
$2,000,000+ 0.01% 0.01%

The rates published above are effective as of the date stated on the website. When rates change and new rates become effective, we attempt to update them promptly on our website. If you have any questions about rates on a given day, please contact us by email at support@folioinvesting.com or phone at 1(888) 973-7890.

Rates are variable and may change at any time. Each day, we calculate the interest on your cash and add it to your account monthly. We round the daily interest amount to the nearest $0.01. If your daily interest is less than $0.005, then you may not be paid any interest on that day.

As Of May 6, 2020
Examples Blended Rate APY
$8,000 0.01% 0.01%
$45,000 0.01% 0.01%
$75,000 0.01% 0.01%
$200,000 0.01% 0.01%
$400,000 0.01% 0.01%
$750,000 0.01% 0.01%
$1,500,000 0.01% 0.01%
$3,000,000 0.01% 0.01%
$6,000,000 0.01% 0.01%

To help you get the highest interest rate possible, we combine the cash sweep program funds of all your accounts into one large fund. If you have $10,000 in cash in an individual, retirement, and joint account, we invest your money in the sweep as $30,000, rather than three smaller investments of $10,000. This allows you to reach a higher tier and earn more interest.

FDIC.PLUS

An FDIC-insured enhanced-yield deposit designed to provide income on larger cash deposits, safety of capital and next-day access to funds.

As Of May 6, 2020
Amount Invested Rate APY
$0-$24,999 0.00% 0.00%
$25,000-$49,999 0.01% 0.01%
$50,000-$99,999 0.02% 0.02%
$100,000-$249,999 0.02% 0.02%
$250,000-$499,999 0.03% 0.03%
$500,000-$999,999 0.03% 0.03%
$1,000,000+ 0.05% 0.05%

Interest rates are based on how much cash you invest in FDIC.PLUS. Rates are variable and may change at any time. Each day, we calculate the interest on your cash and add it to your account monthly. We round the daily interest amount to the nearest $0.01. If your daily interest is less than $0.005, then you may not be paid any interest on that day.

Important Notes

FDIC.CASH

The FDIC.CASH deposit earns interest at a flat rate on the applicable balance.

As Of May 6, 2020
Rate APY
0.01% 0.01%

Important Notes — FDIC-CASH