Find the best ETH lending rates and earn up to 21.5% APY APY. Compare 13 platforms side-by-side.
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The best Ethereum lending rate is 6.25% APY on Nexo.. Other top platforms include Nebeus (4.5% APY) and YouHodler (12% APY). Compare ETH lending rates across 13 platforms.
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | US Access |
|---|---|---|---|---|---|---|
| Euler Finance | Go to Platform | 1.48% APY | — | — | — | Check terms |
| Kamino | Go to Platform | 0.14% APY | — | — | — | Check terms |
| JustLend | Go to Platform | 0.00016% APY | — | — | — | Check terms |
Rates shown are the headline rates we track for the United States users; actual rates may vary by product, tier, or terms.
Lunefi currently offers the highest Ethereum lending rate in the United States at 21.50% APY, matching its 30-day average of 21.50%.
We evaluate each platform's regulatory status, transparency, and track record.
| Platform | Regulatory Status | Proof of Reserves | Track Record | Insurance |
|---|---|---|---|---|
| Nexo | EU (VARA Dubai, Multiple VASPs) | 2024-12 (Armanino) | Has issues | Custodial insurance |
| OKX | EU (MiCA Malta, VARA) | 2025-01 (Hacken) | No defaults | None |
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