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1 USDC = Loading...USDC Yield Calculator & Rate Tracker
Track 13 active USDC-specific offers using accessible base rates, original APR or APY labels, and current product terms.
Looking for editorial picks rather than a calculator? See the USDC earn platforms ranked by score. For a detailed comparison table, open current USDC interest rates.
Calculate Your USDC Yields
Estimate potential earnings using a selected annual rate. The calculator applies annual compounding for illustration and does not reproduce every provider's payout schedule.
*Breakdown estimates based on Year 1 earnings. Totals based on annual compounding over duration.
How do USDC Yield Accounts Work?
A USDC yield product can generate returns through lending, platform-funded rewards, fixed savings or a managed vault. The mechanism determines which custody, borrower, liquidity and smart-contract risks apply.
Compare the accessible base rate before a conditional maximum. Confirm whether the provider quotes APR or APY, how rewards are paid, and whether the displayed rate applies to the full balance.
Current USDC Yield Offers
Active USDC-specific offers ordered by accessible base rate.
Lune
Product: fixed-term lending
Terms: 29.5% requires the 360-day term. Early withdrawal terms apply; verify the selected pool before depositing.
Checked October 20, 2026
CoinDepo
Product: flexible lending
Terms: APR by interest account term: daily 15%, weekly 16%, monthly 17.5%, quarterly 19%, semiannual 20%, annual 22%. Confirm account and jurisdiction eligibility before depositing.
Checked November 7, 2026
YouHodler
Product: flexible lending
Terms: Check current product terms
Checked November 11, 2026
Nexo
Product: fixed lending
Terms: 90 days
Checked November 11, 2026
CoinRabbit
Product: flexible lending
Terms: Check current product terms
Checked September 7, 2026
Solid
Product: flexible lending
Terms: 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
Figure Markets
Product: flexible lending
Terms: Check current product terms
Checked May 11, 2026
Kraken
Product: flexible lending
Terms: Flexible Opt-In Rewards; variable 3.75% APR, maximum eligible balance 10 million USDC. Geographic restrictions apply. Separate bonded and fixed-rate products excluded.
Checked September 7, 2026
Coinbase
Product: flexible rewards
Terms: Coinbase One membership required for advertised 3.75% APY; hold at least $1 of USDC and be trade eligible in an eligible region. Rates vary by country and account type; availability is subject to location.
Checked October 30, 2026
Krak
Product: flexible lending
Terms: Check current product terms
Checked May 11, 2026
KAST
Product: flexible lending
Terms: Check current product terms
Checked May 11, 2026
Phemex
Product: flexible lending
Terms: Lockup for 14 days
Checked May 11, 2026
Crypto.com
Product: flexible lending
Terms: Check current product terms
Checked May 11, 2026
Checklist: How to choose USDC yield accounts
- Compare Rate Units & TiersCheck whether the quote is APR or APY and whether it applies to your full deposit amount.
- Check Withdrawal TermsDecide between flexible accounts (withdraw anytime) or fixed lock-ups (higher yields but less liquid).
- Platform HistoryLook for platforms with a solid track record through multiple market cycles.
How to Calculate USDC Yield
Providers may quote APR or APY. APY includes an assumed compounding effect, while APR does not. This calculator treats the entered percentage as an effective annual rate for illustration; verify the provider's payout schedule before comparing the result.
Risks of Earning Yield on USDC
- Platform Risk: Centralized platforms hold your private keys. If they go bankrupt, you may lose funds.
- Smart Contract Risk: In DeFi protocols, bugs in the code could be exploited.
- Market Volatility: While you earn yield inUSDC, the USD value of your asset can drop significantly.
Frequently Asked Questions
What is the current price of USDC?
The current price of USDC is loading.... Prices fluctuate based on market demand and are updated in real-time.
What risks come with earning yield on USDC?
Crypto yield products can add platform, custody, borrower, liquidity, smart-contract and regulatory risk. They are not insured bank deposits, and spreading funds across platforms does not remove those risks.
Do I need to lock my USDC?
Not always. Flexible accounts allow you to withdraw anytime, though usually at a lower yield. Fixed terms (30, 90 days) typically offer higher APY.