MaxMyInterest review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
MaxMyInterest is a cash-management account paying a variable 3.86%, with cash held in your own FDIC-insured accounts and reachable the same day. It suits people who want some interest on working balances without tying funds up, and the model is no monthly fee while help runs on email and help centre only.
Key facts
- Best for
- US savers who want a variable rate on cash they can still reach, with no minimum and no monthly charge.
- Headline rate
- 3.86%↗
- Rate type
- Variable↗
- Minimum deposit
- $0↗
- Access terms
- Cash stays in own FDIC-insured accounts with same-day access; ACH transfers 1-2 business days; cancel any time↗
- Account kind
- Cash management↗
- Legal entity
- Six Trees Capital LLC↗
- Headquarters
- United States↗
- Founded
- 2013↗
- Support channels
- Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- maxmyinterest.com
Facts checked September 26, 2026, 5 sources
Pros and cons
Pros
- The model is no monthly fee, so no monthly charge reduces what the balance earns.
- The minimum deposit is $0, so there is no balance floor to clear before the account works.
- Cash stays in your own FDIC-insured accounts, so the deposit protection comes from the bank holding the money.
- Access is same-day and you can cancel any time, so the balance is never locked away.
- The 3.86% headline rate is above 3.3% at PayPal Colombia.
Cons
- Support runs on email and help centre only, so there is no phone line when a transfer needs explaining.
- The rate type is variable, so 3.86% can fall and there is no fixed version of it to lock in.
- On headline rate the account ranks 165 of 473 brands, so the yield is a solid middle rather than a standout.
Who it suits
- People in the US with a working balance who want a variable 3.86% with no term attached.
- Readers who want cash held in their own FDIC-insured accounts rather than one pooled platform balance.
- Savers opening a first account, since the minimum deposit is $0 and the model is no monthly fee.
Who should look elsewhere
- Plazo ES, whose 24.19% headline rate sits well above 3.86%, for readers who care more about the quoted figure than about same-day access.
- AXI Card Tarjeta y Credito, which shows 21.59% against 3.86%, if the highest number on the page is the goal.
- Anyone who saves mainly inside a wallet, since PayPal Colombia shows 3.3%, below 3.86% here.
Rates and terms
The account pays a variable 3.86%, and the rate type is variable, so the headline figure is live rather than locked for a term. That sits above the median cash-management rate of 3.41% in the ranking, though the highest figure any of them shows is 5%, so 3.86% is a good rate without topping the category. Most cash-management accounts in that ranking are variable as well, at 88.9%, so this is the normal arrangement rather than an exception. The practical reading for a saver: 3.86% is today's number, it can move down later, and the value here is access, not a return locked for a set period.
Where it sits among rivals
Two rankings tell different stories. On minimum deposit the account sits at 1 of 370 brands, the strongest placement available on that measure, and it reflects a genuinely open entry point. On headline rate the same account is at 165 of 473, which is competitive rather than outstanding. Set against the wider savings field, whose median headline rate is 3%, the picture is a solid middle rather than a standout. Read the two placements together and the case for this account rests on cost and access, with the rate as a reasonable bonus on top rather than the reason to open it.
Who runs it
The service is run by Six Trees Capital LLC, a US operation based in the United States, and it has been trading since 2013. Support runs on email and help centre, which means a help centre of written answers and email rather than a phone line, and that is the detail most likely to matter when a transfer is in flight. The layering is the other thing to understand: cash sits in your own FDIC-insured accounts, so the bank holding the balance provides the deposit, while Six Trees Capital LLC handles the interest and the transfers. Read the two sides together before judging safety, because the money and the paperwork sit with different parties.
How MaxMyInterest compares
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MaxMyInterest vs Finom9.0 vs 8.9
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9.0 vs 8.7- 9.0 vs 8.0
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9.0 vs 9.0
Where MaxMyInterest is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does MaxMyInterest pay, and is it fixed?+
The account advertises a headline rate of 3.86%, and the rate type is variable. That means the figure you see is the figure you earn while it holds, and it can move either way. Since the rate type is variable, treat the headline number as a starting point rather than a promise over a term.
What does it cost to hold an account?+
The pricing model is no monthly fee and the minimum deposit is $0, so there is no monthly charge and no balance to build up before the account earns. The account type is cash management, which is why the interest is paid on money that is still working for you. For a reader counting costs, nothing is deducted each month.
Where is my money held, and is it protected?+
Cash stays in your own FDIC-insured accounts rather than in one pooled platform balance, which is the clearest thing about this setup. The account is provided by Six Trees Capital LLC, a US company, so the deposit protection comes from the bank that holds the cash and not from the platform running the account. You keep ownership of the balance throughout.
How quickly can I get money out?+
Access is same-day on the cash and you can cancel any time, so the balance is not held against any term. ACH transfers in and out take a business-day window to clear, so plan around that rather than expecting an instant move. The account type is cash management, which is why the money stays reachable while it earns 3.86%.
How do I get hold of support?+
Support runs on email and help centre, so a help centre for written answers and email for anything more specific. There is no phone line, which is worth weighing if you would rather talk a problem through with a person. Replies come from Six Trees Capital LLC, a named US entity, rather than a generic desk.
Who runs MaxMyInterest?+
The service is operated by Six Trees Capital LLC, which has been running since 2013 and sits in the United States. For a reader that means a long-standing US counterparty behind the product rather than a new entrant, and a company you can hold to the account terms. The only routes to them are email and help centre.
How does the rate compare with other brands?+
On headline rate, MaxMyInterest ranks 165 of 473 brands, so the number is competitive rather than exceptional. PayPal Colombia shows 3.3%, which is lower, and the median savings headline rate on the site is 3%. The gap between this rate and the higher quoted figures is a margin, not a multiple.
Is there a minimum balance needed to open?+
The minimum deposit is $0, so you can open with a small balance and add money whenever you like. The model is no monthly fee, which means nothing is taken out of the account each month either. Together those two facts remove both of the usual reasons a reader puts off opening a savings account.
Sources
- maxmyinterest.com checked September 26, 2026
Backs: Rate type
“Our patented approach allows you to earn more on your cash even as rates shift”
- maxmyinterest.com/contact-us checked September 26, 2026
Backs: Headquarters, Support channels
“Six Trees Capital LLC, 36 Maplewood Ave, Portsmouth, NH 03801”
- maxmyinterest.com/faq checked September 26, 2026
Backs: Account kind, Founded, Headline rate, Minimum deposit
“Max is an intelligent cash management service designed to help you earn higher yields without sacrificing safety or liquidity.”
- maxmyinterest.com/individuals checked September 26, 2026
Backs: Access terms, Pricing model
“your cash will always be liquid and held directly in your own FDIC-insured bank accounts; you may cancel at any time”
- maxmyinterest.com/terms-of-use checked September 26, 2026
Backs: Legal entity
“Six Trees Capital LLC (herein referred to as "Max") operates an online cash management communications platform at www.maxmyinterest.com”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Deposit protection.
Related by the facts
MaxMyInterest
US savers who want a variable rate on cash they can still reach, with no minimum and no monthly charge.