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Best USDC (USD Coin) Interest Rates of May 2024

Compare the best USDC (USD Coin) interest rates and withdrawal fees of May 2024, from the top crypto interest accounts. Comparison of the best CeFi platforms to earn on USDC, so you can maximize your USD Coin APY / APR, and earn yield.

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Base APY (paid in kind)
Withdrawal Fee
Sign Up Bonus
Additional Info
Nexo logo  Nexo
14.00% (APR) - requires locking asset for 3 months, maintaining a ratio over 10% for NEXO tokens vs rest of portfolio, and receiving interest in NEXO
$25 in BTC
Finblox logo  Finblox
network fees + 1 USDC
up to $250 in USDC
may take up to 48 hours to withdraw logo
0.50% (APR)
10.00% on up to $500,000

highest rate requires locking asset for 3 months, and staking (holding for 6 months) $40,000 worth of CRO
16 USDC (ERC20)
0.8 USDC (Polygon)
0.18 USDC (Cronos)
1 USDC (Arbitrum One)
1.28 USDC (Optimism)
1 USDC (Stellar Lumens)
0.72 USDC (Base)
0.06 USDC (ZkSync Era)
$25 in CRO
Ledn logo  Ledn
9.5% on first 100k USDC
10.5% for over 100K USDC
$10 in USDC
may take up to 7 business days to withdraw
Abra logo  Abra
network fees + withdrawal fee from Bittrex (Abra's custodian)
none currently
Not your keys, not your coins.

Lending your crypto can carry significant risk. Consider using a non-custodial, hardware wallet such as Ledger, Trezor, or Jade.

Some content may contain affiliate links, meaning that for referring you, we may receive a commission. This is at no cost to you, and may provide you with a bonus / discount as part of the referral offer.

Best USDC Interest Rates

The table above compares the best USDC interest rates. As you’ll notice, there are base rates and max rates. Since the max rates often have certain requirements, such as locking the asset for a fixed amount of time, the best USD Coin interest rate will depend on your willingness to fulfill any of those requirements.

For example, platform A might have a higher base rate than platform B, but platform B can offer a higher max rate if you lock your USDC for one month. So the best USDC interest rate would depend on your willingness to lock the asset.

Where To Earn the Highest USDC Yield

The max APY column will show where you can earn the highest USDC yield, depending on your willingness to fulfill any requirements specified. Some platforms also have tiers, as specified, so you may only be able earn the highest USDC interest rate on the first X amount of USDC.

In addition, there is a toggle above the table where you can change the location between United States and International. The platforms and USD Coin rates may change for US vs non-US. The table also includes other details relevant to determining the highest USDC interest rates, such as pointing out when a platform is unavailable in a specific US state.


The table shows USDC rates in APY (Annual Percentage Yield) by default. However, some platforms advertise their rates in APR (Annual Percentage Rate), so the table will specify when rates are in APR. APY takes into account compound interest, while APR does not. If a platform has USDC rates in APR, you can use tools like this to convert USDC APR to USDC APY.

Best USDC Staking Rates / Best USDC Lending Rates

For earning yield, staking USDC is sometimes used interchangeably with lending USDC. So those looking for the best USDC staking rates to earn interest might be looking for the best USDC lending rates to earn interest. With the CeFi platforms covered here, you are lending your USDC to centralized entities, as a way to earn yield on USDC.

How To Earn Interest on USDC

To earn interest on USDC, an individual would create an account, then there is usually a KYC (Know Your Customer) process to verify your identity. From there, you can often just deposit USDC to start earning interest. To earn the highest USDC APY, as shown in the max APY column, there are sometimes other requirements, as specified in the table.

Why Earn USDC Interest

The high yield offered by USDC interest accounts is likely the main reason an individual would want to earn USDC interest, rather than letting it sit idle. Also, since USD Coin is a stablecoin pegged to the US dollar, one might want to earn yield on USDC due to the low volatility relative to the US dollar.

However, there is always risk that you lose some or all of your assets. For example, USD Coin could depeg from the US dollar, or a CeFi platform could halt withdrawals on the coins you deposited. Do your own research to make sure you understand all the risks of any particular cryptocurrency, or platform holding your crypto. No cryptocurrency or platform is without risk.

Best USDC Interest Account / Best USDC Savings Account

CeFi platforms are sometimes referred to as crypto interest accounts or crypto savings accounts (though very different from traditional bank accounts). The best USDC interest account / best USDC savings account might vary based on an individual’s preferences and situation.

For instance, some platforms have tiers, so what might be ideal for one person, might be less ideal for someone with a much higher amount of USDC. You also wouldn’t want to use a platform that you believe is too risky, even if everything else seems ideal.

Sign Up Bonuses

Nexo - 1) Sign up through this referral link. 2) Complete Advanced Verification. 3) Top up (deposit) at least $100 of any supported asset. 4) Must keep porfolio above $100 for at least 30 days. You'll earn $25 in BTC. App - Sign up through this link using referral code 6k4dx8gb6c. Stake (deposit for 6 months) $400 in CRO for the ruby card tier or above, and you'll receive $25 in CRO.

Finblox - 1) Sign up through this link. 2) Pass the “Verified” level in Identity Verification. 3) Deposit assets within 7 days of signing up, and maintain balance for 30 days. 4) You'll earn a bonus of up to $250 USDC, based on the amount you deposit / maintain. See reward payout table here.

Ledn - Sign up through this referral link, and complete KYC. Then deposit at least 75 USDC or 0.0015 BTC, and hold for 15 days or longer. Deposit must be made within 30 days of opening an account. You'll receive 10 USDC.

Abra - Abra has no sign up bonus currently. Feel free to sign up through this link or using referral code RC7F4APFN.