For a monthly or annual subscription charge, you get access to Gold’s premium features. This includes the High-Yield Cash Program where Robinhood Gold members ($5 monthly subscription) can opt in to earn a 3.35% annual percentage yield (APY)* on eligible brokerage cash that’s in your investing accounts (cash intended for investing but is not yet invested or spent). That means you can put your money to work, even if you’re not currently investing it. Rates are subject to change.

For example, if you start January 1 with $10,000 in uninvested brokerage cash and 3.35% APY that is swept to the program banks, you could earn $335 by January of the following year. This includes compounding, assuming you don’t deposit or withdraw funds for the entire year.

Your interest will be paid by the program banks monthly, and you can keep track of how much interest you’ve earned in Account → Menu (3 bars icon) → Investing → High-Yield Cash Program.

The hypothetical calculation shown is for illustrative purposes only and assumes the interest rate and balance do not change for the year. Actual amounts earned may vary. The High-Yield Cash Program is an added Robinhood Gold feature. Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC. For more information, review the Robinhood Gold User Agreement.

Interest is earned on eligible cash in your investing accounts. The APY is 3.35% for Robinhood Gold members as of Feb 11, 2026. The APY might change at any time at Robinhood’s discretion. Additionally, any fees or charges Robinhood receives may vary and are subject to change. Neither Robinhood Financial LLC nor any of its affiliates are banks.

With the High-Yield Cash Program, the eligible cash that’s held in your investing accounts (cash intended for investing but is not yet invested or spent) is protected by SIPC in the event of broker dealer failure. Funds in the Cash Sweep Program are deposited into program banks, and are eligible for deposit insurance by the FDIC.

Robinhood isn’t an FDIC-insured bank. FDIC insurance covers the failure of insured partner banks. Products other than the Cash Sweep Program are not insured by the FDIC, are not deposits, and may lose value. Conditions apply for FDIC pass-through deposit coverage. Review the High-Yield Cash Program Agreement for more information.

Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.