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*Promo 8.1% APY (as of 12/10/2025) is for new users who have never made a deposit or transfer before. The Base Rate is 3.35% APY, plus a 4.75% temporary booster once activated. The actual APY earned may differ based on when the user activates the coupon, as the base rate may change.
1. Cash Sweep 3.35% APY eligibility: All new user accounts. (Existing users must meet either qualifying deposit, transfer, or referral requirements to unlock promo rate.) Otherwise, the rate is 0.03%. Rates as of 12/10/2025 and subject to change.
Interest is earned on uninvested cash swept from customer's brokerage account to Deposit Banks in the Cash Sweep Program "Program Bank". These banks pay interest on the swept cash minus any fees paid to Moomoo Financial Inc. ("MFI"). Once swept to a Program Bank, the customer's uninvested cash becomes eligible for FDIC insurance up to $250,000 per Program Bank, inclusive of any other deposits the customer already hold at the bank, in the same ownership capacity, which may impact how much is covered. MFI is not responsible for monitoring the amount of each customer's deposits in any Program Bank, whether in the cash sweep program or otherwise, to determine whether the amount on deposit exceeds the FDIC insurance limits. Note, until funds are swept to a Program Bank, they are held in the customer's brokerage account which is protected by SIPC. Once funds are swept, they are no longer in the brokerage account and not protected by SIPC. However, they become eligible for FDIC insurance through the Program Banks. See the Deposit Bank List for the current listing of Program Banks.
The Cash Sweep program is a feature of the brokerage account. Neither MFI, nor any of its affiliates are banks. Moomoo is a financial information and trading app offered by Moomoo Technologies Inc. In the U.S., investment products and services on Moomoo are offered by Moomoo Financial Inc., Member FINRA/SIPC. Additional terms & conditions apply. For more info, visit moomoo.com/us/support/topic4_445.
2. APY Booster Rate is effective for 2 months on up to $20,000 in cash sweep program once coupon is activated. Terms & Conditions apply. See https://www.moomoo.com/us/support/topic4_410.
3. The deposit bonus is available only to clients who have never made a deposit or transfer before 1/1/2026. Offer is only valid for US residents with a valid SSN who are at least 18 years old. After receiving the free stocks, you will need to maintain your average assets based on the requirements for the specified holding period to unlock the stocks. Additional terms and conditions apply, learn more at https://www.moomoo.com/us/support/topic4_410.
Investing involves risk and the potential to lose principal. Securities offered through Moomoo Financial Inc., Member FINRA/SIPC.