Best USDC earn rates today
11 USDC (USD Coin) savings and staking offers from 9 platforms, ranked by rate. Flexible and fixed-term offers are listed separately, with new-user deals in their own section.
Updated Oct 14, 2026
Best flexible
8.00% APR
Bitget · Savings · Flexible
Best fixed term
2.00% APR
KuCoin · Simple Earn · 14-day
Best for new users
100.00% APR
CoinW · Fixed Savings · 3-day · ≈ $12.33 total
Flexible USDC savings
Withdraw at any time.
| Platform | APR / APY | Product | Term | Conditions | Action |
|---|---|---|---|---|---|
Bitget | 8.00%APR Promo | Savings | Flexible | Up to 300K USDC: 8% APRAbove 300K: 4% APR | View offer |
WEEX | 8.00%APR Promo | EarnChecked Oct 14, 2026 | Flexible | Up to 200 USDC: 8% APRAbove 200: 3% APR | View offer |
Bybit | 7.67%APR | On-chain Earn | Flexible | Any amount | View offer |
MEXC | 6.00%APR Promo | Flexible Savings | Flexible | Up to 100 USDC: 6% APRAbove 100: 1% APR | View offer |
Bybit | 5.95%APR Promo | Flexible Savings | Flexible | Up to 100 USDC: 5.95% APRAbove 100: 2.95% APR | View offer |
Aave | 5.81%APY | Supply | Flexible | Any amountUSDC on Monad, incl. 1.69% rewards | View offer |
Binance | 3.94%APR Promo | Simple Earn | Flexible | Up to 10K USDC: 3.94% APRAbove 10K: 1.94% APR | View offer |
OKX | 3.50%APR | Simple Earn | Flexible | Any amount | View offer |
Gate | 2.79%APR | Simple Earn | Flexible | Any amount | View offer |
KuCoin | 0.38%APR | Simple Earn | Flexible | Any amount | View offer |
Fixed-term USDC savings
Locked for the term shown.
| Platform | APR / APY | Product | Term | Conditions | Action |
|---|---|---|---|---|---|
KuCoin | 2.00%APR | Simple Earn | 14-day | Any amount | View offer |
USDC offers for new users
New accounts or first deposits only, ranked by the most you can earn.
| Platform | APR / APY | Product | Term | Conditions | Action |
|---|---|---|---|---|---|
CoinW | 100.00%APR New users | Fixed Savings | 3-day | New users · max 1.5K USDC3 days · ≈ $12.33 total | View offer |
Rates are collected once a day from each platform's public data and can change at any time; boosted rates usually apply to a limited amount. "View offer" buttons are referral links: we may earn a commission, which never changes the ranking. Not financial advice.
USDC earn rates: common questions
What is the best USDC earn rate today?
As of Oct 14, 2026, the best flexible USDC rate is 8.00% APR on Bitget, and the best fixed-term rate is 2.00% APR on KuCoin for 14-day. Boosted rates often apply only to a limited amount, so check the conditions column before depositing.
Should I choose flexible or fixed-term USDC savings?
Flexible products let you withdraw at any time, and the rate can change daily. Fixed terms lock your USDC for a set number of days, often for a higher rate, but you usually can't withdraw early without losing the interest.
Are there USDC offers for new users?
Yes. Some platforms pay a much higher rate on a small, capped amount for new accounts or first deposits. Right now the most rewarding is 100.00% APR on CoinW, worth about $12.33 in total. These offers are short and capped, so compare the total reward, not just the APR.
How often are these rates updated?
Every day. We read each platform's published USDC earn rates automatically; a few platforms that only show rates to signed-in users are checked by hand and marked with the date we checked them.
What is the difference between APR and APY?
APR is the simple yearly rate. APY includes compounding, the interest earned on your interest, so the same number quoted as APY pays slightly less than the same number as APR. Most exchanges quote APR; DeFi protocols such as Aave usually quote APY.