Disclosures

Affiliate disclosure

TokenizedDepositRates.com may earn a commission or referral fee when you click certain links and open an account or buy a product. Those links are marked as sponsored. We may also show ads. This money helps keep the site free. Compensation does not affect the rates we publish, and we don't accept payment to change a rate or a source. We are not a partner of, or endorsed by, any bank, issuer, or platform named on this site unless we clearly say so on that page.

Affiliate links for savings accounts and crypto platforms

Some "Learn more" or "See offer" buttons for high-yield savings accounts and stablecoin or crypto platforms may become affiliate links. If you open an account through one, we may be paid. That never changes the rate we show, the order of a table (tables are sorted by rate), or whether a product is listed. Until we join a program, buttons go to the provider's official page and earn us nothing.

Not financial advice

Everything here is general education. It isn't financial, investment, legal, or tax advice, and it isn't a recommendation to open any account or buy any digital asset. Your situation is your own, so consider talking with a qualified professional.

Rates may change

Rates (APY) are variable and can change at any time without notice. Each rate shows the date it was published and links to its source. Rates may depend on eligibility, location, membership fees, or balance. Always confirm current terms on the provider's own site before you act.

FDIC insurance: what it does and doesn't cover

• Deposits only. FDIC insurance covers deposits at FDIC-insured banks if the bank fails. A tokenized deposit can be covered only if it's a deposit liability of an FDIC-insured bank and meets the legal definition of a deposit.
• Limits. The standard limit is $250,000 per depositor, per insured bank, for each account ownership category. Tokenized deposits share that limit with your other deposits at the same bank.
• Stablecoins aren't insured. Payment stablecoins (for example USDC) and other crypto assets are not FDIC insured, even if a bank or exchange offers them. Under an FDIC proposal, bank deposits held as stablecoin reserves wouldn't be passed through to stablecoin holders as insured deposits.
• Stablecoin "rewards" aren't interest or insured savings. Rewards on stablecoins are paid by the platform (or come from DeFi lending), can change or end at any time, and carry platform, depeg, smart-contract, and hacking risk. Listing a stablecoin program on this site is not a recommendation.
• Converting changes protection. When you convert a tokenized deposit into a stablecoin or crypto, that money is no longer an insured deposit.
• What insurance doesn't cover: market losses, hacked or lost wallets, scams, mistaken transfers, or the failure of a non-bank company.
• Non-U.S. products may be covered by a different (or no) deposit insurance scheme.
• Learn more at FDIC.gov.

Trademarks

Company and product names are the trademarks of their owners and are used only to identify those products. We don't use any company's logo.

Promotional and "up to" rates

Where a provider advertises a promotional, conditional, or "up to" rate, we show it separately from the standard rate and describe the conditions we found. Where we couldn't verify a current rate from the provider, we show "Check site" instead of a number.

Accuracy and corrections

We work to keep information accurate, but errors happen. If you spot one, email TODO: contact email.