Betterment Cash Reserve vs Empower Personal Cash
Side by side on the numbers that decide it. The Money 8020 Score already weighs these — this is the receipts.
Money 8020 pick B Betterment Cash Reserve Betterment 94/100 | E Empower Personal Cash Empower 82/100 | |
|---|---|---|
| Tier | Essential | Strong |
| APY | 3.25% | 3.00% |
| Monthly fee | $0 | $0 |
| FDIC coverage | Via program banks | Via program banks |
| Protection | FDIC (program banks) | FDIC (program banks) |
| Annual fee | — | — |
| Best for | Investors who want a high yield on cash next to their brokerage | Investors who want a high yield on cash next to their brokerage |
| View profile | View profile |
Which should you choose: the Betterment Cash Reserve or the Empower Personal Cash?
The Betterment Cash Reserve is the stronger pick of the two, with a Money 8020 score of 94/100 versus 82. Choose the Empower Personal Cash instead if investors who want a high yield on cash next to their brokerage.
On aPY, the Betterment Cash Reserve shows 3.25% versus the Empower Personal Cash's 3.00%. Both figures are reflected in the Money 8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Betterment Cash Reserve vs Empower Personal Cash: FAQ
Is the Betterment Cash Reserve or the Empower Personal Cash better?
By our scoring, the Betterment Cash Reserve edges ahead with a Money 8020 score of 94/100 versus 82. The Empower Personal Cash can still be the better fit if investors who want a high yield on cash next to their brokerage.
What is the main difference between the Betterment Cash Reserve and the Empower Personal Cash?
On aPY, the Betterment Cash Reserve offers 3.25% while the Empower Personal Cash offers 3.00%. Review the full table above and confirm current terms with each provider. This is not financial advice.