X Money Savings Rates & APY
Latest rate data:
Savings Accounts
X Money
Bank sweep / cash account · FDIC
6.00% APY
6.00% APY with Premium+, or with $1,000 in qualifying payroll deposits or X Creator payouts during a trailing 34-day period. The deposit-based path does not require a paid subscription. Other eligible users earn 4.00% APY.
Account details & sources
No monthly account maintenance fee. New York residents do not earn interest; a joint account with any New York owner also earns no interest. Optional subscriptions and transaction services can carry fees.
Funds are held at Cross River Bank, Member FDIC. Standard FDIC coverage is $250,000 per depositor, per insured bank, per ownership category; the automatic IntraFi sweep can provide up to $10 million in aggregate pass-through coverage across participating banks, subject to program conditions and deposit aggregation.
Selected terms reviewed 2026-09-29 · Provider source
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