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Best USDT earn rates

Compare current USDT earn options across major exchanges. This page highlights the strongest flexible APY tiers by balance range and the best fixed-term USDT offers by lock duration.

Updated June 11, 7:09 PM.

Flexible

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

0-500 USDT
CoinEx 13.31%
500-5K USDT
MEXC 6.78%
5K-50K USDT
Binance 5.51%
Unlimited tier
Binance 5.51%

Fixed

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

7d or less lock
Bitunix 1.77%
14d lock
LBank 2.50%
30d lock
CoinW 6.41%
90d lock
CoinW 15.00%
180d lock
Bitmart 9.50%
365d lock
Bitmart 10.00%

How to read these USDT 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 USDT. A fixed rate may require locking funds for weeks or months. A promotional APY may disappear, sell out or be limited by account eligibility.

APYterminal is designed to show rates with the product context that matters: exchange, coin, product type, term and tier. Always verify the current exchange page before transferring funds.

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