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Compare current USDC interest rates across rewards, lending, savings and vault products. The table preserves base and maximum rates, APR or APY, requirements and the date each offer was checked.
Current USDC rates sorted by accessible base rate
The GENIUS Act restricts permitted payment-stablecoin issuers from paying interest or yield solely for holding, using or retaining a payment stablecoin. The third-party products below are separate from issuer-paid yield and have their own terms and risks.
Stablecoins are not FDIC insured and earning yield typically requires lending or otherwise deploying the asset, which involves risks.
We use interest rate as a comparison term, while preserving whether each provider quotes APR or APY. Those measures are not interchangeable.
| Platform | Asset & product | Base rate | Maximum | Requirements & freshness |
|---|---|---|---|---|
  | USDCflexible lending | 29.5% APY | - | Checked August 11, 2026 |
  | USDCflexible lending | 17% APR | 23% APR | Checked August 6, 2026 |
  | USDCfixed lending | 13% APY | - | 90 daysChecked July 21, 2026 |
  | USDCflexible lending | 12% APY | - | Checked August 31, 2026 |
  | USDCflexible lending | 12% APY | - | Checked August 31, 2026 |
  | USDCflexible lending | 10.00004127% APY | - | Checked July 26, 2026 |
  | usdcfixed savings | 8.2% APR | - | 12 month lockupChecked August 6, 2026 |
  | USDCflexible lending | 7.47% APY | 8.47% APY | Bonus APY $10k deposit and/or deposit for 3 monthsChecked August 20, 2026 |
  | USDCflexible lending | 5% APY | - | Checked May 11, 2026 |
  | USDCflexible lending | 4.5% APY | - | Official page shows the USDC token rate; the separate platform-wide up-to rate is not treated as an asset-specific maximum.Checked August 20, 2026 |
  | USDCflexible lending | 4.08% APY | 5.12% APY | Checked May 11, 2026 |
  | USDCflexible lending | 3.85% APY | - | Checked May 11, 2026 |
  | USDCflexible lending | 3.79% APY | - | Checked May 11, 2026 |
  | USDCflexible lending | 3.6% APY | - | Checked May 11, 2026 |
  | USDCflexible rewards | 3.5% APY | - | Coinbase One membership required; availability is subject to location.Checked August 23, 2026 |
  | USDCflexible lending | 3.3% APY | 7% APY | Checked May 11, 2026 |
 | USDCflexible lending | 3% APY | 10% APY | |
  | USDCflexible lending | 2% APY | 10% APY | Lockup for 14 daysChecked May 11, 2026 |
  | USDCflexible lending | 2% APY | - | Checked May 11, 2026 |
  | USDCflexible lending | 0.5% APY | - | Checked May 11, 2026 |
CIR ranking · USDC accounts
Top-rated USDC accounts for editorial context
This editorial shortlist remains ordered definitively by CIR score. The rate table above is ordered by accessible base rate; the two views answer different questions.
Lune
Tracked USDC rate
29.5%
CoinDepo
Tracked USDC rate
Up to 23%
Clapp Finance
Tracked USDC rate
8.2%
Kraken
Tracked USDC rate
Up to 5.12%
#1 · Best overall
Lune
Why it stands out: Lune combines a 4.7 CIR score with a tracked USDC offer of 29.5% APY. The ranking balances editorial score and rate competitiveness, then checks the product structure, access and lockup before assigning a category award.
- Base APY
- 29.5%
- Product type
- flexible lending
- Lockup
- 1-360 days
- Availability
- Worldwide
Why consider it
- +CIR score of 4.7 out of 5.
- +29.5% APY tracked USDC offer.
- +Worldwide availability is reported.
Tradeoffs to check
- !Confirm the eligible balance, region and product.
- !1-360 days is the listed lockup or withdrawal term; verify it directly.
- !USDC yield is not an insured bank deposit and can involve platform, lending, custody or smart-contract risk.
#2 · Runner-up
CoinDepo
Why it stands out: CoinDepo combines a 4.7 CIR score with a tracked USDC offer of 17% APR base · up to 23% APR. The ranking balances editorial score and rate competitiveness, then checks the product structure, access and lockup before assigning a category award.
- Base APR
- 17%
- Product type
- flexible lending
- Lockup
- None
- Availability
- Worldwide
Why consider it
- +CIR score of 4.7 out of 5.
- +17% APR base · up to 23% APR tracked USDC offer.
- +Worldwide availability is reported.
Tradeoffs to check
- !Confirm the eligible balance, region and product.
- !No fixed lockup is currently listed; verify withdrawal timing and product-specific conditions.
- !USDC yield is not an insured bank deposit and can involve platform, lending, custody or smart-contract risk.
#3 ·
Clapp Finance
Why it stands out: Clapp Finance combines a 4.5 CIR score with a tracked USDC offer of 8.2% APR. The ranking balances editorial score and rate competitiveness, then checks the product structure, access and lockup before assigning a category award.
- Base APR
- 8.2%
- Product type
- fixed savings
- Lockup
- None to 12 months
- Availability
- Worldwide
Why consider it
- +CIR score of 4.5 out of 5.
- +8.2% APR tracked USDC offer.
- +Worldwide availability is reported.
Tradeoffs to check
- !12 month lockup
- !No fixed lockup is currently listed; verify withdrawal timing and product-specific conditions.
- !USDC yield is not an insured bank deposit and can involve platform, lending, custody or smart-contract risk.
#4 ·
Kraken
Why it stands out: Kraken combines a 4.3 CIR score with a tracked USDC offer of 4.08% APY base · up to 5.12% APY. The ranking balances editorial score and rate competitiveness, then checks the product structure, access and lockup before assigning a category award.
- Base APY
- 4.08%
- Product type
- flexible lending
- Lockup
- Check product
- Availability
- Worldwide
Why consider it
- +CIR score of 4.3 out of 5.
- +4.08% APY base · up to 5.12% APY tracked USDC offer.
- +Worldwide availability is reported.
Tradeoffs to check
- !Confirm the eligible balance, region and product.
- !Check product is the listed lockup or withdrawal term; verify it directly.
- !USDC yield is not an insured bank deposit and can involve platform, lending, custody or smart-contract risk.
How we ranked these picks
- 1.To qualify, a platform must have an active, normalized USDC-specific earn offer.
- 2.CIR score determines the ranking order. The highest-scoring matching platform ranks first.
- 3.Ties in CIR score are resolved by base rate, then maximum rate, then platform name.
- 4.APR and APY labels are preserved, and conditional maximums are shown separately.
- 5.Product structure, geography and access can outweigh a small rate difference.
- Read the full Coin Interest Rate methodology
What is USDC?
USDC is a dollar-denominated stablecoin issued by Circle. It is designed to be redeemable one-for-one for U.S. dollars, but holding USDC by itself does not generate yield. Learn more at circle.com.
See also: Stablecoin Interest Calculator
Stablecoins are useful and in-demand for many purposes, but because their price is stable and predictable they are especially useful for traders and holders. You should compare interest rates often to ensure you’re earning your fair share for USDC (Circle). Interest rates change, so knowing where and who is paying the most is critical.
Stablecoins are a type of digital currency designed to minimize the volatility typically associated with Bitcoin or Ethereum. Unlike those coins, stablecoins are designed to maintain a stable value over time. This stability is achieved by pegging the value to a more stable fiat currency like USD, EUR or GBP. In the case of USDC, it is pegged to the United States Dollar (USD).
Some uses of stablecoins in the crypto markets include:
- Medium of Exchange: Stablecoins provide a more stable medium of exchange than volatile cryptocurrencies, making them ideal for daily transactions, remittances and commerce. This stability encourages their use for buying and selling goods and services without the risk of significant price changes. For example, most people would rather spend their USD than their BTC, since the value is steady and predictable.
- Dollar-denominated balance: Stablecoins can reduce direct exposure to crypto price volatility, but issuer, reserve, platform and depeg risks remain.
- CeFi/DeFi Applications: Stablecoins are integral to the crypto finance ecosystem, which includes lending, borrowing, yield farming, and liquidity mining.
- Trading Pairs: In cryptocurrency exchanges, stablecoins are commonly used as trading pairs against other cryptocurrencies. This usage simplifies the trading process, as traders can easily calculate the fiat equivalent of their trades without converting back to traditional currencies, reducing transaction fees and complexity.
Why should you be comparing rates?
Compare the accessible base rate first, then review any conditional maximum, rate unit, product mechanism, term, eligibility and withdrawal rules. A higher percentage can reflect a longer lockup, a promotion or a materially different risk structure.
Where can you earn interest on USDC?
USDC returns can come from holding rewards, lending, fixed savings or managed vaults. Use the USDC yield calculator and rate tracker to model an annual rate, or review the full USDC earn-platform ranking for CIR-score-based editorial picks.
