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Betterment Rates & Review October 2026

Q: How many branches does Betterment operate?

Betterment currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Betterment does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Betterment provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Betterment rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.98%, 6-month CD rates at 2.84% and 3-month CD rates at 2.66%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.38%. These rates come from our rate database, not Betterment, and you can see how they compare in the Betterment rate tables below. MonitorBankRates has no FDIC call report data for Betterment (no FDIC certificate on file), so it is not rated. Deposits may be insured through a partner bank; check the institution's own disclosures. Database rates last updated and verified on 10/13/2026.

Betterment money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Betterment? Share your experience about Betterment by leaving a review below, or read customer reviews before you decide to use Betterment.

Overall Health & Safety Grade

N/A

Not Rated No current filing

MonitorBankRates Rating

N/A

Not Rated No current filing

Texas Ratio

N/A

Not Rated No data

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Betterment Other Rates

Product	Rate	Points	APY/APR	Term	View More
Robinhood Gold	-	-	4.00%
Details FDIC insurance: Up to $2.5M; Account fees: $5/mo Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Betterment is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Betterment rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Betterment's official website for the most current offers and terms.

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Frequently Asked Questions About Betterment

How many branches does Betterment operate?

Betterment currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Betterment does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Betterment provides members with tools to manage their accounts and build a solid financial history.

Does Betterment offer online and mobile banking?

Most modern institutions like Betterment provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.betterment.com.