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Vanguard cash interest rate
Last updated · 12 official sources (listed below)
What Vanguard pays on cash you haven't invested, straight from its own pages.
Not published
Settlement fund (VMFXX) yield page renders blank to both scripts and web readers.
More on Vanguard: all Vanguard fees and fine print · Fidelity vs Vanguard · Charles Schwab vs Vanguard
Published cash rates at other brokers
| Broker | Rate | Catch |
|---|---|---|
| Robinhood | 3.6% APY (Gold) | Requires Robinhood Gold subscription and opting in to High-Yield Cash. Non-Gold rate not stated on this page. |
| 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. |
| Wealthfront | 3.55% APY | Wealthfront Cash Account (program banks). Promotional boosts up to 4.45% on up to $150k. |
| Fidelity | 3.52% | 7-day yield of the Government Money Market Fund core position (SPAXX). Not an APY; varies daily. |
| Interactive Brokers | 3.38% | Nothing paid on the first $10,000; accounts under $100k NAV get a proportionally lower rate. |
| Public | 3.30% APY | High-Yield Cash Account (a separate brokerage account). 3.75% with the paid Public Reserve subscription. |
| Firstrade | 0.15% | 0.15% at every balance tier; FDIC-insured deposit rate also 0.15%. Credit rate effective 12/20/2024. |
| TradeStation | 0.15% (over $100k only) | Nothing paid on balances of $100,000 or less; IRAs excluded. Program effective Oct 1, 2022. |
| Charles Schwab | 0.01% APY | Bank Sweep / Schwab One Interest (same rate). Money funds such as SWVXX pay more but are not the default. |
| E*TRADE | 0.01% APY | 0.01% for balances up to $499,999; 0.05% at $500k–$999,999; 0.15% at $1M+. |
| 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%. |
| Ally Invest | 0% | Self-Directed cash earns nothing; Ally Bank accounts are separate. |
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.