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Best USDC earn rates

Find the best USDC earn offer for your amount and term. APYterminal compares up-to-date flexible tiers and fixed lock options, then links each best offer directly to the source exchange.

Updated June 16, 4:57 PM.

Flexible

Best effective APY by standardized balance tier. Larger tiers account for lower-rate portions when tier limits apply.

0-500 USDC
CoinEx 12.45%
500-5K USDC
Bitmart 6.18%
5K-50K USDC
Bitmart 6.02%
Unlimited tier
Bitmart 6.00%

Fixed

Best APY by lock duration, ordered from shorter to longer terms. Funds may be locked until maturity.

7d or less lock
MEXC 10.52%
14d lock
KuCoin 2.02%
30d lock
Bitmart 6.00%
90d lock
Bitmart 8.00%
180d lock
Bitmart 9.50%
365d lock
Bitmart 10.00%

How to read these USDC rates

The highest number is not always the best product for every user. A high flexible rate may apply only to the first 100, 300 or 500 USDC. A fixed rate may require locking funds for weeks or months. A promotional APY may disappear, sell out or be limited by account eligibility.

Use this page as a shortlist for your USDC. Enter your amount for flexible products, compare fixed lock terms, then open the source exchange to verify availability before subscribing.

If you want to compare USDC against other coins and exchanges in the live dashboard, open APYterminal dashboard.