Introducing Wealthfront Home Lending

Buy or refinance your home with a low rate.

Buy or refinance with a rate that’s ~0.50% below the national average.

Earn up to 4.20% APY

Your cash earns a base 3.30% APY and higher!

Zero account fees

Free 24/7 instant withdrawals

Up to $8M FDIC insurance through program banks

3.30% Base Annual Percentage Yield (APY) as of 1/30/26 is provided by program banks and is subject to change. APY Boost is up to a $150,000 balance. See additional terms in the footer.

Earn more with two great rewards

You can raise the 3.30% base APY in two easy ways:

1. Open and fund a Cash Account

New clients earn 3.95% with a 0.65% APY boost for 3 months on up to $150,000.

2. Direct deposit and invest with us

Get a 0.25% APY increase—no expiration date or balance limit—when you direct deposit $1,000 a month, plus open and fund any investing account.

Turn your savings into wealth

A smart investing strategy can help you earn more over time than a high yield on cash, despite the added risk. So whether you need an all-in-one index investing account or a specific strategy to complement your portfolio, all our investing products are designed to benefit your long-term bottom line.

Built and managed for you

Build long-term wealth with our award-winning automation and time-tested best practices.

Automated Investing Account

An all-in-one portfolio of diversified index funds, designed for long-term growth and personalized to you.

9.56% average annual returns since inception Annualized returns: 1-year: 34.53%, 5-year: 9.10%, 10-year: 10.82%

Build long-term wealth with best-practice investing

Managed automatically, so you don’t need to talk to anyone

Explore other managed accounts:

• Retirement Accounts
• 529 Education Savings Plan

Build it yourself

Pick your own stocks and ETFs or build a portfolio with sophisticated strategies like bond investing or direct indexing.

Stock Investing Account

Buy stocks and ETFs with zero commissions, and zero pressure to trade. Built for long-term stock and ETF investing, not gambling.

Make the most of your money, wherever you’re at.

Growing your savings

Earn interest on every penny of your paycheck.

Building wealth together

Save, spend and earn as a couple, all in one place.

Managing complex finances

Find a simpler way to manage your money.

“Wealthfront beats out Fidelity, Schwab and Vanguard when it comes to direct indexing and tax-loss harvesting.

Trusted by 1.4M+ clients

$95B+

$95B+ in client funds

14+ years

Simplifying finances since 2011.

WLTH

Traded on the NASDAQ®.