# Earn up to 3.56% APY on your idle cash today Canonical: https://brew.new/templates/alpaca/earn-up-to-3-56-apy-on-your-idle-cash-today Brand: alpaca.markets Category: general ![Preview of Earn up to 3.56% APY on your idle cash today](https://cdn.brew.new/email-preview-32f9ad4fdb2fb929-tracking_r57gt38shtrvxf0rcaqxrqb0c18ejnws-1791822127164.png) ## Email content Alpaca Markets Hey there, Starting September 22, 2026, our High-Yield Cash† APY is increasing up to 3.56%, helping you earn more on your idle cash while keeping it available when you need it.‡ With Alpaca’s High-Yield Cash program, you can: ✅ Earn up to 3.56% APY, more than 9x the national average††† ✅ Access your cash anytime, including using it as buying power ✅ Receive up to $2.5 million in FDIC pass-through insurance coverage.†† Following the Federal Reserve’s rate increase at its recent policy meeting, we’re also updating margin rates effective September 17, 2026, to 6.50% (base rate + 2.5%)* and 5.00% (base rate + 1%) for select Alpaca Elite users**, depending on your investment level. Put your idle cash to work. Enroll today to start earning and enjoy the higher APY when it takes effect. Enroll Today Have questions? Contact us at support@alpaca.markets. We look forward to supporting your investing journey with us, The Alpaca Team X / Twitter LinkedIn Github †High-Yield Cash API is subject to, among other things, Alpaca’s API terms and conditions. In addition, customer access to the FDIC Bank Sweep is subject to, among other things, the Alpaca Customer Agreement, Alpaca Terms and Conditions, and the Alpaca FDIC Bank Sweep Program Terms and Conditions. Please see alpaca.markets/disclosures for further information and important disclosures. ‡Please note that this interest rate is effective as of September 22, 2026, and is subject to change and may not be the interest rate on the date this is read. †† The FDIC reports the national average savings account interest rate. This current interest rate is 0.38 APY as of August 17, 2026, and is subject to change and may not be the interest rate on the date this is read. https://www.fdic.gov/national-rates-and-rate-caps ††† Alpaca Securities LLC customers who enroll in the FDIC Bank Sweep are potentially eligible for enhanced FDIC pass-through insurance coverage. Neither Alpaca nor Alpaca Securities is FDIC-insured. FDIC pass-through insurance coverage is subject to various conditions. The Program's enhanced FDIC insurance coverage is limited to the aggregate number of participating program banks, multiplied by the FDIC insurance limit (i.e., $250,000). The total number of participating banks is subject to change, and Alpaca Securities may not utilize all program banks at all times, which will affect the Program's insurance coverage amount. In addition, if a customer has a direct banking relationship with a program bank, this may affect the amount of funds that are potentially eligible for FDIC pass-through insurance coverage. There is no guarantee that customer funds will be allocated in a way that maximizes possible FDIC pass-through insurance coverage. Please see alpaca.markets/disclosures for further information and important disclosures. *Base rate refers to the Fed Funds Rate. **For more information on Alpaca Elite please see the term and conditions. Margin trading involves significant risk and is not suitable for all investors. Before considering a margin loan, it is crucial that you carefully consider how borrowing fits with your investment objectives and risk tolerance. When trading on margin, you assume higher market risk, and potential losses can exceed the collateral value in your account. Alpaca may sell any securities in your account, without prior notice, to satisfy a margin call. Alpaca may also change its “house” maintenance margin requirements at any time without advance written notice. You are not entitled to an extension of time on a margin call. Please review the Firm’s Margin Disclosure Statement before investing. Brokerage services are provided by Alpaca Securities LLC (dba Alpaca Clearing), member FINRA/SIPC, a wholly-owned subsidiary of AlpacaDB, Inc. Cryptocurrency services are made available by Alpaca Crypto LLC (Alpaca Crypto), a FinCEN-registered money services business (NMLS #2160858) and a wholly-owned subsidiary of AlpacaDB, Inc. Alpaca Crypto is not a member of SIPC or FINRA. Cryptocurrencies are not stocks, and your cryptocurrency investments are not protected by either FDIC or SIPC. Neither Alpaca Clearing nor Alpaca Crypto takes responsibility for or accepts time-sensitive instructions sent by email, including orders or funds transfer instructions. This is not an offer, solicitation of an offer, or advice to buy or sell securities or cryptocurrencies or open a brokerage account or cryptocurrency account in any jurisdiction where Alpaca Clearing or Alpaca Crypto, respectively, are not registered or licensed, as applicable. Commission-free trading means that there are no commission charges for Alpaca Clearing self-directed individual brokerage accounts that trade U.S.-listed securities through an API. Relevant regulatory fees may apply. Commissions may be charged if your account is held at one of Alpaca Clearing’s correspondent firms. Technology and services are offered by AlpacaDB, Inc. The Paper Trading API is offered by AlpacaDB, Inc. and does not require real money or permit a user to transact in real securities in the market. Providing use of the Paper Trading API is not an offer or solicitation to buy or sell securities, securities derivatives, or futures products of any kind, or any type of trading or investment advice, recommendation, or strategy, given or in any manner endorsed by AlpacaDB, Inc. or any AlpacaDB, Inc. affiliate and the information made available through the Paper Trading API is not an offer or solicitation of any kind in any jurisdiction where AlpacaDB, Inc. or any AlpacaDB, Inc. affiliate (collectively, “Alpaca”) is not authorized to do business. Please see the Disclosure Library for additional information and disclosures from Alpaca Securities and Alpaca Crypto. © 2025 Alpaca Securities LLC. All rights reserved. 12 E 49th Street, Floor 11, New York, NY 10017 © 2025 Alpaca Crypto LLC. All rights reserved. 3 East Third Ave, Suite 214, San Mateo, CA 94401 © 2025 AlpacaDB, Inc. 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