USDC APY – Earn the Best Interest Rates

Best USDC Interest Rates and Savings Accounts

We list the best USDC interest rate APY options for you. 

If you HODL other stablecoins or cryptocurrencies, compare and earn crypto interest rates APY and the highest staking rewards.

No Financial Advice, Information only. Do your own research

Best USDC Interest Rates APY

We have listed all the best USDC interest rates in the table below. As you can see, you can earn up to 16% on your USDC holdings with NEXO.




*Sign up bonus with terms and conditions

**Reduction in fees

NEXO USDC Interest rates APY

To earn USDC interest on NEXO, you can use the Nexo Earn Interest Product. You can earn up to 14% per year on USDC and 16% on other stablecoins.

NEXO screenshot

Here are the different ways to earn interest on USDC:

Flexible Terms

You can earn up to 4% annually on USDC with flexible terms regardless of your loyalty tier by just keeping them in your account.

Fixed Terms

You can put the USDC from your Savings Wallet in a fixed-term deposit for 3 or 12 months and get up to 9% and 12% per annum, respectively. 

The exact interest rate of your term will depend on your payout preference (earning in NEXO Tokens comes with an additional bonus) and your loyalty tier. Please note that fixed-term deposits cannot be unlocked or withdrawn until the term’s due date.

NEXO Loyalty Levels

Your loyalty level determines the interest rate you receive. The higher your loyalty level, the higher the interest rate you receive. You can increase your loyalty level by holding NEXO tokens in your account.


YouHodler USDC APY

YouHolder offers a USDC savings account that allows you to earn interest on your USDC holdings. 

Youhodler screenshot

Get started with YouHodler:

  1. Add Assets: Buy crypto with a credit card, bank transfer, or top up from an external wallet. You can also convert other cryptocurrencies or fiat to compatible crypto assets.
  2. Select Wallets: Choose your favorite coins and get loyalty payouts in crypto up to 15%.
  3. Start Earning: Once you start, your crypto starts working for you! Earn and monitor your growth daily on the wallet page.
  4. Claim Rewards: Cash out your reward and don’t forget to start a new period!

If you HODL Dogecoin DOGE, Youhodler is offering the best Dogecoin DOGE interest rate APY.

YouHodler Fixed VS Flexible

YouHodler Flexible Earnings vs. Fixed Earnings: A Comparison

Flexible Earnings:

  1. Pros:
    • Liquidity: Provides immediate access to your funds, allowing you to withdraw or use them whenever needed without restrictions.
    • No Commitment: No fixed time commitment; you can deposit and withdraw your funds at any time without penalties.
    • Adaptability: Suited for short-term investors or those looking for flexibility in managing their funds and investment strategies.
  2. Cons:
    • Lower Interest Rates: Generally offers lower interest rates compared to fixed-term options since it offers the benefit of liquidity and flexibility.
    • Interest Fluctuations: Interest rates can vary and are subject to change based on market conditions or the platform’s policies, potentially resulting in unpredictable earnings.
    • Opportunity Cost: Due to lower interest rates, you might miss out on potential higher earnings that fixed-term options could provide.

Fixed Earnings:

  1. Pros:

    • Higher Interest Rates: Typically offers higher interest rates compared to flexible options due to the fixed-term commitment and less frequent withdrawals.
    • Guaranteed Returns: Provides a predictable and guaranteed return on your investment, allowing for better financial planning and goal setting.
    • Ideal for Long-Term Holders: Suited for long-term investors or those looking to maximize interest earnings on their crypto holdings.
  2. Cons:

    • Lack of Flexibility: Requires locking your funds for a specified period, restricting access to your assets during the fixed term.
    • Penalties for Early Withdrawal: Breaking the fixed term may result in penalties or a reduction in the interest earned.
    • Less Liquidity: Compared to flexible options, you have limited or no access to your funds until the end of the fixed term.

Choosing Between the Two:

  • Consider Your Goals: Evaluate your financial goals, risk tolerance, and the need for liquidity to determine which option aligns better with your investment strategy.
  • Diversification: Depending on your portfolio, a combination of both flexible and fixed earnings may offer a balanced approach, allowing for both liquidity and higher interest rates.
  • Risk Assessment: Assess the current market conditions and interest rate trends to make an informed decision on whether to opt for flexible or fixed earnings based on the prevailing rates and potential market changes.

Ultimately, the choice between flexible and fixed earnings in YouHodler will depend on your individual financial situation, investment goals, and risk tolerance. USDC Interest rates can give you the absolute best USDC interest rate.

However, you should be aware of the obligations you need to fulfill to receive 15% interest on your USDC holdings.

Here, we summarize them.

  1. You have to stake their native token, CRO, equivalent to $40.000
  2. You have to lock your funds for three months at a time.
  3. You will get 12% paid out in USDC and 2% extra in CRO.

$25 SignUp Bonus

When you signup with via our referral link and stake CRO for a Ruby metal VISA card ($400) you will get $25 in a welcome bonus. The ruby card will give you 2% cashback on all purchases and 100% back on Spotify.

Binance USDC Interest rates

Binance Earn offers a lousy USDC interest rate, and you might not even want to consider depositing to Binance to earn this low interest rate.

Instead, Binance is offering great rates for other cryptocurrencies like


Kraken Earn is a feature on the Kraken cryptocurrency exchange that allows you to earn rewards on your crypto holdings. You can earn rewards on a variety of assets, including USDC, by opting in to the rewards program. The APY (annual percentage yield) for USDC is currently 3.75%.

USDC is a stablecoin that is pegged to the US dollar. This means that its value is always roughly equal to $1 USD. USDC is a popular choice for staking because it is a low-risk asset that is relatively easy to earn rewards on.

To earn rewards on USDC with Kraken Earn, you will need to:

  1. Create a Kraken account and verify your identity.
  2. Deposit USDC into your Kraken wallet.
  3. Opt in to the Kraken Earn rewards program for USDC.

Once you have completed these steps, you will start earning rewards on your USDC holdings. Rewards are paid out twice a day in USDC.

Here are some of the benefits of earning rewards on USDC with Kraken Earn:

  • High APY: The current APY for USDC is 3.75%, which is one of the highest rates available for staking USDC.
  • Low risk: USDC is a stablecoin, so it is a low-risk asset to stake.
  • Easy to earn: It is easy to earn rewards on USDC with Kraken Earn. All you need to do is opt in to the rewards program and deposit USDC into your wallet.

Overall, Kraken Earn is a great way to earn rewards on your USDC holdings. The high APY, low risk, and ease of use make it a compelling option for investors who are looking for a way to earn passive income on their crypto holdings.

What is USDC?

USD Coin (USDC) is a stablecoin fully backed by U.S. dollars or dollar-denominated assets like U.S. Treasury securities. The U.S. government does not issue it. USDC’s reserve assets are held in segregated accounts with multiple banks. The stablecoin was launched in 2018 by Circle and Coinbase.

How does USDC work?

USDC is an ERC-20 token that runs on the Ethereum blockchain. It can be used for peer-to-peer transactions, remittances, and other use cases requiring a stable value store. USDC can be purchased on various cryptocurrency exchanges and stored in any Ethereum wallet supporting ERC-20 tokens.

Advantages of USDC

USDC offers several advantages over other cryptocurrencies. Firstly, it provides stability as its value is pegged to the U.S. dollar. Secondly, it offers fast transaction times and low fees compared to traditional banking systems. Thirdly, it provides transparency as Grant Thornton LLP, a public accounting firm, audits its reserves.

Disadvantages of USDC

USDC has some disadvantages as well. Firstly, it is not decentralized, as its reserves are held in centralized bank accounts. Secondly, it is not immune to regulatory risks as it is subject to the same regulations as traditional financial institutions.

Use Cases of USDC

USDC has several use cases. It can be used for remittances, micropayments, and other peer-to-peer transactions requiring a stable value store. It can also be used for trading on various cryptocurrency exchanges and accessing decentralized finance (DeFi) applications built on the Ethereum blockchain.