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* AN FDIC-INSURED SAVINGS ACCOUNT WITH INDUSTRY LEADING 5.00% APY1.
SAVINGS
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High-Yield Savings Account
MORE ABOUT HIGH-YIELD SAVINGS ACCOUNTS WITH M1
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Higher yields with M1 Plus
Account safeguarding
Savings FAQs
* SpendExpand
* MAXIMIZE EVERYDAY FINANCES WITH TIERED CREDIT CARD REWARDS.
CHECKING
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M1 Spend
CREDIT
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Owner’s Rewards Card
MORE ABOUT EVERYDAY FINANCES WITH M1
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Automate your transfers
Higher yields with M1 Plus
What are Owner’s Rewards?
Account safeguarding
MORE ABOUT CREDIT AT M1
--------------------------------------------------------------------------------
What are Owner’s Rewards?
Higher cash back with M1 Plus
* InvestExpand
* FLEXIBLE, CUSTOMIZABLE,
AND AUTOMATED.
INTELLIGENTLY INVEST YOUR WAY, COMMISSION-FREE.
BROKERAGE ACCOUNTS
--------------------------------------------------------------------------------
Individual
Joint
Custodial
RETIREMENT ACCOUNTS
--------------------------------------------------------------------------------
Traditional IRA
Roth IRA
SEP IRA
OTHER ACCOUNTS
--------------------------------------------------------------------------------
Crypto
Trust
MORE ABOUT INVESTING AT M1
--------------------------------------------------------------------------------
Transfer investments to M1
How M1 Pies work
Automate your investing
Borrow against your account
Account safeguarding
* BorrowExpand
* BORROW AGAINST YOUR QUALIFYING INVESTMENTS OR FROM US WITH LOW RATES FOR
QUALIFIED BORROWERS.
PORTFOLIO LINES OF CREDIT
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Margin Loans
LOANS
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Personal Loans
MORE ABOUT MARGIN LOANS AT M1
--------------------------------------------------------------------------------
What’s a margin loan?
What can you use one for?
M1 Plus lowers your interest rate
Maintenance calls
Margin loans differ from personal loans
MORE ABOUT PERSONAL LOANS AT M1
--------------------------------------------------------------------------------
Personal loan eligibility
Does applying for a personal loan affect my credit?
When will I receive my funds?
M1 Plus lowers your APR
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* Contact Us
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THE M1 HIGH-YIELD SAVINGS ACCOUNT
Join M1
Learn more
This is big.
Score a staggering 5.00% APY1 on your savings with an M1 Plus membership. And
there’s even more to love about M1…
Featured in:
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GET UP TO $15,000 TO INVEST
Switch to an investing platform that’s elegant and easy-to-use. Always
commission-free Commission-free trading of stocks and ETFs refers to $0
commissions charged by M1 Finance LLC for self-directed brokerage accounts.
Other fees may apply such as regulatory, M1 Plus membership, account closures,
and ADR fees. For complete list of fees, visit
m1.com/legal/disclosures/misc-fees , M1 gives you the power to automate your
strategy. And right now, you can get an investment bonus up to $15,000 when you
transfer from another brokerage. Promotional terms & conditions apply.
Get your bonus
5.00% APY1 TO ACCELERATE YOUR SAVINGS
M1 Plus members earn 5.00% APY1 with the M1 High-Yield Savings Account, one of
the highest out there. It’s FDIC-insured up to $5 million3—20x higher than
standard protections. See how quickly your savings could grow with our interest
calculator.
Try the calculator
BORROW ON MARGIN FOR AS LOW AS 6.95%
With M1 Margin Loans, you can put your portfolio to work. Borrow against 40% of
your portfolio’s value and get one of the lowest rates on the market—all
paperwork-free.
Learn more
GET UP TO 10% CASH BACK IN CREDIT CARD REWARDS
With the Owner’s Rewards Card in your wallet, you can pay yourself back as you
spend. Earn up to 10% cash back2 and automatically re-invest your rewards in
your portfolio. Better yet, there’s no annual fee.
Explore Owner’s Rewards Card
BORROW AT LOW RATES, FEE-FREE
Whether you’re consolidating debt or gearing up for a big purchase, get the
funding you need fast with M1 Personal Loan. Pay it off on your schedule—no fees
or pre-payment penalties.
Learn more
To see the difference between personal loans and margin loans, click here
Next
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M1 PLUS: GET THE BEST OF M1 FOR JUST $10 A MONTH
M1 Plus is a membership that gives you the best rates and tools that M1 has to
offer, including:
5.00%
APY1 so you can save stronger
UP TO
10%
cash back2 on purchases with the Owner’s Rewards Card by M1
1.5%
discount* for M1 Personal Loans
See how M1 Plus adds up
TOP-TIER ACCOUNT PROTECTIONS TO GIVE YOU MORE PEACE OF MIND
Member of SIPC. Securities in your account protected up to $500,000. For
details, please see www.sipc.org.
All M1 High-Yield Savings Accounts deposits are FDIC-insured up to an aggregate
total of $5 million.3
As a technology-first company, M1 utilizes the latest in information security to
keep your private information secure.
JOIN HUNDREDS OF THOUSANDS
WHO TRUST US WITH $6 BILLION
Information as of June 2023
Best for Sophisticated Investors and Low Costs
(Investopedia, 2023)
Best Investment
App for Portfolio Customization
(Insider, 2023)
One of the best robo-advisors of 2023
(Bankrate, 2023)
One of the best Roth IRAs
(Fortune, 2023)
Over 60,000 users left 5-star reviews4
BUILD AND MANAGE YOUR WEALTH, YOUR WAY
Join M1
1 Obtaining stated APY (annual percentage yield) or opening a savings account
does not require a minimum account balance. Stated APY is valid from date of
account opening. Account fees may reduce earnings. Higher APY rate subject to
paid M1 Plus subscription. Rates are subject to change.
2 1.5% – 10% Owner’s Rewards cash back earned on eligible purchases subject to a
maximum of $200 cash back per calendar month. Cash back rates of 2.5% – 10%
require an active M1 Plus subscription (billed at $95 annually or at $10
monthly).
3 B2 Bank is a member FDIC institution and does not itself provide more than
$250,000 of FDIC insurance per legal category of account ownership as described
in FDIC regulations. Additional FDIC insurance coverage is provided through B2’s
Insured Deposit Network Program involving other FDIC insured depository
institutions. Deposits may be insured up to $5,000,000 through B2’s Insured
Deposit Network Program. Full terms of the Program can be found at
m1.com/legal/agreements/HYSA_Agreement and a complete list of participating
banks in the program can be found at m1.com/legal/agreements/depositnetwork.
4 Sources: https://apps.apple.com/us/app/m1-finance/id1071915644 &
https://play.google.com/store/apps/details?id=com.m1finance.android&hl=en_US&gl=US
APR ranges from 19.99% – 29.99% based on creditworthiness of the applicant. APR
will vary with the market based on the Prime Rate. There is no Annual Fee for
the Owner’s Rewards Card. Rates as of June 2, 2023.
*Lowest fixed rates available to M1 Plus members only, subject to credit
history, income, term of loan, and other factors.
*M1 Plus is a paid membership that confers benefits for products and services
offered by M1 Finance LLC, M1 Spend LLC and M1 Digital LLC, each a separate,
affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. “M1”
refers to M1 Holdings Inc., and its affiliates.
^Rates are not guaranteed and are subject to change. Not all applicants qualify
for the lowest available rate.
Check the background of M1 Finance LLC on FINRA's BrokerCheck
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About
Careers Newsroom
Legal
Terms of Use Privacy Policy Agreements Disclosures Accessibility
Contact
Help Center Service Status Affiliates Press Inquiries
--------------------------------------------------------------------------------
By using this website, you accept our Terms of Use and Privacy Policy and
acknowledge receipt of all disclosures in our Disclosure Library. All agreements
are available in our Agreement Library. M1 relies on information from various
sources believed to be reliable, including clients and third parties, but cannot
guarantee the accuracy and completeness of that information.
M1 is a technology company offering a range of financial products and services.
"M1" refers to M1 Holdings Inc., and its wholly-owned, separate affiliates M1
Finance LLC, M1 Spend LLC, and M1 Digital LLC.
M1 Plus is a paid annual membership that confers benefits for products and
services offered by M1 Finance LLC, M1 Spend LLC and M1 Digital LLC, each a
separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc.
"M1" refers to M1 Holdings Inc., and its affiliates.
All investing involves risk, including the risk of losing the money you invest.
Past performance does not guarantee future performance. Using M1 Borrow’s margin
account can add to these risks, and you should review our margin account risk
disclosure before borrowing. Nothing in this informational site is an offer,
solicitation of an offer, or advice to buy or sell any security and you are
encouraged to consult your personal investment, legal, or tax advisors.
Brokerage products and services are not FDIC insured, no bank guarantee, and may
lose value. Brokerage products and services are offered by M1 Finance LLC, an
SEC registered broker-dealer, Member FINRA / SIPC.
Commission-free trading of stocks and ETFs refers to $0 commissions charged by
M1 Finance LLC for self-directed brokerage accounts. Other fees may apply such
as regulatory, M1 Plus membership, account closures and ADR fees. For complete
list of fees, visit M1 Fee Schedule.
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M1 is not a bank. M1 Spend is a wholly-owned operating subsidiary of M1 Holdings
Inc. M1 High-Yield Savings Accounts are furnished by B2 Bank, NA, Member FDIC.
M1 Personal Loans are furnished by B2 Bank NA, Member FDIC and Equal Opportunity
Lender.
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Credit Card not available for US Territory Residents. Review Cardholder
Agreement and Rewards Terms for important information about the Owner’s Rewards
Card by M1. The Owner’s Rewards Card by M1 is Powered by Deserve and issued by
Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.
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M1 is not a bank. M1 Spend is a wholly-owned operating subsidiary of M1 Holdings
Inc. M1 Checking Accounts furnished by Lincoln Savings Bank, Member FDIC. M1
Visa®️ Debit Card is issued by Lincoln Savings Bank, Member FDIC.
Lincoln Savings Bank utilizes a deposit network service, which means that at any
given time, all, none, or a portion of the funds in your M1 Checking accounts
may be placed into and held beneficially in your name at other depository
institutions which are insured by the Federal Deposit Insurance Corporation
(FDIC). For a complete list of other depository institutions where funds may be
placed, please visit https://www.cambr.com/bank-list. Balances moved to network
banks are eligible for FDIC insurance once the funds arrive at a network bank.
To learn more about pass-through deposit insurance applicable to your account,
please see the Account Documentation. Additional information on FDIC insurance
can be found at https://www.fdic.gov/resources/deposit-insurance/.
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M1 Digital LLC is a wholly separate affiliate of M1 Finance LLC, and neither are
involved with the execution or custody of cryptocurrencies. Cryptocurrencies are
not FDIC or SIPC insured. For relevant crypto disclosures and risks, visit
Crypto Disclosures.
--------------------------------------------------------------------------------
All product and company names are trademarks™ or registered® trademarks of their
respective holders. Use of them does not imply any affiliation with or
endorsement by them.
App Store is a service mark of Apple Inc. Google Play and the Google Play logo
are trademarks of Google LLC.
200 N LaSalle St., Ste. 800 Chicago, IL 60601
© Copyright 2023 M1 Holdings Inc.
M1 | SAVE, INVEST, BANK
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* Home
* SaveExpand child menuExpand
* AN FDIC-INSURED SAVINGS ACCOUNT WITH INDUSTRY LEADING 5.00% APY1.
SAVINGS
--------------------------------------------------------------------------------
High-Yield Savings Account
MORE ABOUT HIGH-YIELD SAVINGS ACCOUNTS WITH M1
--------------------------------------------------------------------------------
Higher yields with M1 Plus
Account safeguarding
Savings FAQs
* SpendExpand child menuExpand
* MAXIMIZE EVERYDAY FINANCES WITH TIERED CREDIT CARD REWARDS.
CHECKING
--------------------------------------------------------------------------------
M1 Spend
CREDIT
--------------------------------------------------------------------------------
Owner’s Rewards Card
MORE ABOUT EVERYDAY FINANCES WITH M1
--------------------------------------------------------------------------------
Automate your transfers
Higher yields with M1 Plus
What are Owner’s Rewards?
Account safeguarding
MORE ABOUT CREDIT AT M1
--------------------------------------------------------------------------------
What are Owner’s Rewards?
Higher cash back with M1 Plus
* InvestExpand child menuExpand
* FLEXIBLE, CUSTOMIZABLE,
AND AUTOMATED.
INTELLIGENTLY INVEST YOUR WAY, COMMISSION-FREE.
BROKERAGE ACCOUNTS
--------------------------------------------------------------------------------
Individual
Joint
Custodial
RETIREMENT ACCOUNTS
--------------------------------------------------------------------------------
Traditional IRA
Roth IRA
SEP IRA
OTHER ACCOUNTS
--------------------------------------------------------------------------------
Crypto
Trust
MORE ABOUT INVESTING AT M1
--------------------------------------------------------------------------------
Transfer investments to M1
How M1 Pies work
Automate your investing
Borrow against your account
Account safeguarding
* BorrowExpand child menuExpand
* BORROW AGAINST YOUR QUALIFYING INVESTMENTS OR FROM US WITH LOW RATES FOR
QUALIFIED BORROWERS.
PORTFOLIO LINES OF CREDIT
--------------------------------------------------------------------------------
Margin Loans
LOANS
--------------------------------------------------------------------------------
Personal Loans
MORE ABOUT MARGIN LOANS AT M1
--------------------------------------------------------------------------------
What’s a margin loan?
What can you use one for?
M1 Plus lowers your interest rate
Maintenance calls
Margin loans differ from personal loans
MORE ABOUT PERSONAL LOANS AT M1
--------------------------------------------------------------------------------
Personal loan eligibility
Does applying for a personal loan affect my credit?
When will I receive my funds?
M1 Plus lowers your APR
* PlusExpand child menuExpand
* Membership
* ResourcesExpand child menuExpand
* Help Center
* Contact Us
* Blog
* Referral Program
* Knowledge Bank
* AboutExpand child menuExpand
* Our Mission
* Our Team
* M1 Milestones
* Careers
* Press
Get Started
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