What has your bank done
for you lately?
Try something new.Earn up to
4.50%
"Switching to Linus has been pain-free and only positive. My portfolio is earning 2x as much as my high yield savings account."
Landon B.
We've Got Great Fans
"I've been in financial services most of my professional career. Linus is the simplest way to earn interest I've ever seen."
Damien H.
"I feel better knowing my money is working harder for me than in a regular savings account. Thanks Linus!"
Wallis H.
"I'm currently earning 3.5% APY on my deposit with @getlinus. Go to getlinus.io to #getLinus today"
Josh R.
What is Linus?
Linus is not a savings account, a mutual fund, or a robo-advisor. Linus is a
new alternative to traditional cash deposit accounts.
Generate Greater Returns
+2.70% APYThan comparable cash deposit accounts.
Access Your Money Anytime
No Withdraw RestrictionsIt's easy, and there are no fees to do so.
Rest Assured
Principal Not At RiskUnlike equities and other speculative assets.
A new opportunity to earn interest that you’ll actually notice.
Deposit in minutes using your debit card.
Deposit in minutes using your bank account.
Save more,
earn more.
4.00% APY
Start Here
Our industry-leading rate, available to everyone who signs up.
4.25% APY
Unlock at $2,500
Our middle-tier rate, available to those on their way to strong savings.
4.50% APY
Unlock at $10,000
Our top-tier rate, available to seasoned savers with a well-built nest egg.
A cash account you don't
need to think twice about.
Wondering where to invest your money? Online savings accounts, certificates of deposit, and money market accounts can't touch our high yield interest rate. They also come with strings attached.
With a Linus account you can earn 64x the national savings account rate, minus the fuss.
Wondering where your APY comes from?
Linus connects you to borrowers in digital asset credit markets, where demand for your cash is greater than with your bank.
Linus makes this process simple. All you need to manage is your email and password.
How It WorksSmarter Choices Make Happier Wallets
See the impact of Linus on your savings.
$792.61
Hover over the chart to see how the values change.
The Details
No hidden feesWe don’t take management or advisory fees, so the high yield interest you earn stays in your pocket. Seriously.
No term limitsUnlike traditional certificates of deposit, we don't require you to lock up your funds to earn our stated high yield interest rate.
No minimum balance requirementsOpen an account and maintain any balance with no fees. Get started earning a high yield interest rate with as little as $1.00.
Unlimited free withdrawalsIt’s your money. Withdraw as many times as you want. No restrictions on the amount. Kick that old savings account to the curb.
Protected and insuredFunds are protected against borrower default using collateralized assets -- 150% of the value on average -- and insured from theft, loss, and hacks by our third-party custody provider.
Domestic support teamOur team is available seven days a week to answer your questions. Try getting a bank to do that.
Not ready?
That's ok. Schedule a quick call with our team and we'll answer all your questions.
Schedule a CallQuestions?
Get more answers and information in our FAQs.
Do you have a mobile app?
Not yet. Deposit funds using your bank account and access your Linus account details, all on your mobile device web browser.
Is my rate subject to change?
Yes. Just like your old savings account, our high yield interest rates change from time to time. We will always let you know ahead of time though.
How are my funds protected?
We believe in transparency, so we want you to know up front that funds on Linus are not insured by the FDIC or SIPC. However, funds are protected by underlying collateral assets and insured with our third-party custodian from hacks, theft, and loss.
Where is Linus available?
Currently, Linus supports users residing in the United States.