5.00% High Yield Cash Management Account

Short-term savings, higher yields.

FutureMoney Reserve, a high-yield cash management account that ensures your near-term cash works harder in a fully managed, tax-advantaged structure, so you keep more of what you have.

No lock-ups

Request withdrawals anytime

Open a Reserve account

5.00%

Tax-equivalent yield¹

SIPC Insured

Covered up to $75 million

Accessible

Request withdrawals when you need them³

Managed

FutureMoney professionals handle your account

Up to 5.00% as of 8/25/2026. Illustrative for a single California filer earning $175,000. Your result depends on your bracket, where you live, and your balances. Tax-equivalent yield is the rate a fully taxable account would need to pay to match Reserve after tax.

How the Yield is Built

More yield, less complexity.

You can raise the base APY in two easy ways:

1. Get a 3-month new client boost
‍Open and fund a Reserve account to earn an additional 0.65% for your first 3 months. Up to $150,000 balance.¹

‍2. Invest for retirement
‍Open and fund an eligible FutureMoney retirement account to earn an additional 0.25% on eligible balance.¹

What is Reserve?

The tax-smart account that is Built to Stay Accessible

Reserve is a high-yield cash management account from FutureMoney for money you want to keep accessible. Your cash is invested into treasury bills and municipal bonds to earn more than a typical savings account and optimize your after-tax return.

Higher yield on idle cash

Money sitting still should still be working. Reserve is built to earn more than cash left in checking or savings.

Optimized for tax

The number that matters is what you keep. Reserve is designed around after-tax return, not just the headline rate.

Accessible when you need it

No lock-ups, no withdrawal penalties, no minimum holding period. Move money out when life asks for it.³

Why keep your cash with FutureMoney?

Your short-term cash and long-term investments, together.

FutureMoney already helps families invest for the goals years away. Reserve gives the money you may need sooner a place to work too. See your Reserve alongside your family's other FutureMoney accounts, automate contributions and build toward short- and long-term goals in one place.

One family. Different goals. One financial home.

3.61% is the 30-day SEC yield of the Treasury fund held in the situation above, before any tax advantage, as of 8/25/2026. Comparison rates as of August 2026: high-yield savings 3.00% APY (Ally Bank HYSA) and traditional savings 0.38% (FDIC national rate for savings).

How FutureMoney Compares

5.00% tax-equivalent yield

Automatically allocate your cash into treasury bills or municipal bonds to help you keep more of what you earn, potentially with zero federal taxes or zero state and local taxes on the income.²

How you're Protected with FutureMoney

Stress-free saving, backed by SIPC insurance.

Your account value is covered up to $75 million per owner across all FutureMoney accounts with Alpaca Securities through SIPC insurance.

With FutureMoney, you're covered automatically, no action needed.

Your money is protected

We work hard to keep you safe and secure.

SIPC Insured. Your contributions are covered up to $75 million per owner across FutureMoney accounts held with Alpaca Securities.

Secure. Your investments are held by industry-leading, trusted custodians, including Alpaca Securities.

SOC 2 Compliant. FutureMoney meets rigorous, independently audited standards for security, availability, and data privacy, so your information stays protected.

Questions

What is a Reserve account?

Reserve is a high-yield cash management account from FutureMoney, designed to earn more on money you want to keep accessible. Your cash is invested in a fully managed portfolio optimized for after-tax return. Yield and performance can vary, with modest volatility.

What does Reserve invest in?

Reserve invests in a managed portfolio built for yield on accessible cash, which includes ETFs holding Treasury bills or municipal bonds. FutureMoney builds and manages the portfolio for you.

Can I lose money in Reserve?

Reserve carries minimal volatility, which means your balances could decline, as well as grow. While past results are no indication of future performance, a similar product in recent years would have ranged in terms of annual performance from down a little over 2% to up about 5%.

Is Reserve FDIC insured?

No. Reserve is an investment account, so it is not FDIC insured. Your Reserve investments are eligible for SIPC protection of up to $75 million in the event of a brokerage firm's financial failure. SIPC coverage does not protect against market losses.

Can I automate contributions to Reserve?

Yes. Set a recurring contribution and Reserve builds automatically. You can change or pause it at any time.

Where can I open a Reserve account?

Exclusively through FutureMoney. Download the app on the App Store or Google Play, or sign up at app.futuremoney.co.

Is Reserve a savings account?

No. Reserve is an investment account, not a bank deposit account. It is designed to earn more than a typical savings account, but your balance can move modestly with markets and yield is not guaranteed. It is protected by SIPC coverage rather than FDIC insurance.

What does "optimized for after-tax return" mean?

It means Reserve is designed around what you keep, not just the headline rate. Interest from a savings account is taxed as ordinary income at the federal, state, and local levels. Reserve's portfolio is built to save you either state and local tax or federal tax on the interest you earn, depending on your home state and income bracket.

How quickly can I withdraw money from Reserve?

You can request a withdrawal at any time with no penalties or lock-ups. Withdrawals typically take 1-3 business days to settle and arrive in your linked bank account, as securities must first be sold and those trades must settle. Recent contributions can only be withdrawn after 10 business days.

Who is Reserve for?

Reserve is for anyone holding cash they want to keep accessible but don't want sitting idle: an emergency cushion beyond your checking buffer, money earmarked for a near-term goal, or cash you're deciding what to do with. It works alongside FutureMoney's long-term family accounts.

How is Reserve taxed?

Earnings in Reserve are generally taxable in the year they're received, and you'll get the relevant tax forms from the custodian. The income from Reserve will either be taxable federally, or it will be taxable at the state and local level. Reserve's portfolio is designed with after-tax return in mind, but we don't provide tax advice, consult a tax professional about your specific situation.

How much does FutureMoney cost?

FutureMoney charges no management fees on Reserve accounts, on any of our pricing plans. Depending on your pricing plan, subscription fees or management fees on other account types may apply. See Pricing page for details.

¹ Up to 5.00% as of August 25, 2026, illustrative for a California resident filing single with $175,000 of income. Includes a 0.25% retirement match, paid on the lesser of your Reserve balance or your combined IRA balances, subject to a $1000 minimum combined IRA balance ("eligible balance"). Includes a 0.65% boost for your first three months only, on up to $150,000 Reserve balance. The ongoing rate is 4.35%, or 4.10% without a match, which are subject to change. Most clients earn less than the maximum. Your result depends on your tax bracket, where you live, and your balances. Tax-equivalent yield is the rate a fully taxable account would need to pay to match Reserve after tax, using the rates stated. Fund yields fluctuate daily and are not guaranteed. Reserve is not a deposit account. Reserve holds exchange-traded funds, which are not FDIC insured and may lose value. The match and boost are taxable as ordinary income. Consult a tax professional.

² 3.61% is the 30-day SEC yield of the Treasury fund held in the situation above, before any tax advantage, as of August 25, 2026, and is subject to change. Comparison rates as of August 2026: high-yield savings 3.00% APY (Ally Bank) and traditional savings 0.38% (FDIC national rate for savings). Bank rates are variable, quoted before tax, and are not the highest available. Bank deposits are FDIC insured; Reserve holdings are not and may lose value.

³ Withdrawals typically take 1-3 business days to settle and arrive in your linked bank account, as securities must first be sold and those trades must settle. Recent contributions can only be withdrawn after 10 business days.

Copyright © 2026 Future Money Inc.

Standard SIPC insurance covers up to $500,000 (including $250,000 for cash) under SIPC coverage in the event of a brokerage firm's financial failure. SIPC coverage does not protect against market losses. 529 plan accounts are not covered by SIPC. For investment accounts held with Alpaca, excess SIPC insurance is provided by FutureMoney's custodian partner Alpaca Securities LLC (dba Alpaca Clearing) ("Alpaca") via Lloyd's of London, up to $75 million in securities and $75 million in cash, with an aggregate limit of $250 million across all customer accounts. Details.

FutureMoney RIA, LLC - Form CRS, Form ADV Part 2A, Privacy Policy, Investment Management Agreement. SEC registration does not imply a certain level of skill. All investments made are legally owned by you.
Charles Schwab & Co. Inc. - Form CRS, Form ADV Part 2A, Privacy Policy
Altruist Financial LLC - Form CRS, Form ADV Part 2A, Privacy Policy
Alpaca Securities LLC - Form CRS, Privacy Notice, Use & Risk, Terms & Conditions, PFOF, Margin, Extended Hours, BCP Summary

If your state or your designated beneficiary’s state offers a 529 plan, you may want to consider what, if any, potential state income-tax or other state benefits it offers, such as financial aid, scholarship funds, and protection from creditors, before investing. State tax or other benefits should be one of many factors to be considered prior to making an investment decision. Please consult with your financial, tax, or other advisor about how these state benefits, if any, may apply to your specific circumstances. Earnings in 529 plan or Junior Roth IRA grow tax-free. Qualified withdrawals from these accounts are tax-free. Unqualified withdrawals may be subject to tax and penalty. Consult IRS website and your state tax authority for details. Certain conditions apply to 529 plan to Roth IRA rollover. See here for details.

Projected assets under management are based on current account values, recurring contributions set, estimated returns, and goal dates.
UI Screenshots Disclosure: All screenshots provided are for illustrative purposes only and any performance figures displayed should not be considered representative of actual performance