Ethereum (ETH) Interest Rates | Lending, Staking & Loan APY

Best ETH Interest Rates

Updated every 5 min

Lending

21.50% APY

on Lunefi

Staking

21.50% APY

on Lunefi

Borrowing

1.90% APR

on Nexo

Comparing ETH rates across 31 platforms to find you the best yields.

Best ETH Lending Options

Highest Rate:Lunefi(21.50% APY)

Maximum yield currently available

Best Overall:Nexo(6.25% APY)

Regulated CeFi with insurance

Recommendations based on current rates, platform type, and trust factors. Always do your own research before investing.

Compare Ethereum (ETH) Interest Rates

Ethereum (ETH) Lending Rates

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	US Access
Nexo	Go to Platform	6.25% APY	3.25% APY	—	30 days	Check terms
Nebeus	Go to Platform	4.5% APY	—	—	—	Check terms
YouHodler	Go to Platform	12% APY	—	—	—	Check terms
Lune.fi	Go to Platform	21.5% APY	—	—	—	Check terms
EarnPark	Go to Platform	20% APY	—	—	—	Check terms
OKX	Go to Platform	5.47% APY	—	—	—	Check terms
Gearbox	Go to Platform	3.26% APY	—	—	—	Check terms
AQRU	Go to Platform	3% APY	—	—	—	Check terms
Silo Finance	Go to Platform	2.7% APY	—	—	—	Check terms
Kamino	Go to Platform	2.47% APY	—	—	—	Check terms
Morpho	Go to Platform	2.14% APY	—	—	—	Check terms
Bitfinex	Go to Platform	2.12% APY	—	—	—	Check terms
Fluid	Go to Platform	1.6% APY	—	—	—	Check terms
Euler Finance	Go to Platform	0.95% APY	—	—	—	Check terms
Gemini	Go to Platform	0.01% APY	—	—	—	Check terms
JustLend	Go to Platform	0.0007356% APY	—	—	—	Check terms
Maple	Go to Platform	0% APY	—	—	—	Check terms

See all 17 lending rates

Ethereum (ETH) Staking Rewards

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	US Access
Nexo	Go to Platform	6.25% APY	3.25% APY	—	30 days	Check terms
Lune.fi	Go to Platform	21.5% APY	—	—	—	Check terms
Ether.fi	Go to Platform	2.75% APY	—	—	—	Check terms
Stakin	Go to Platform	2.71% APY	—	—	—	Check terms
Ankr	Go to Platform	2.67% APY	—	—	—	Check terms
Stader	Go to Platform	2.36% APY	—	—	—	Check terms
Lido	Go to Platform	2.22% APY	—	—	—	Check terms
StakeWise	Go to Platform	2.14% APY	—	—	—	Check terms
Gemini	Go to Platform	0.23% APY	—	—	—	Check terms

See all 9 staking rewards

Ethereum (ETH) Loan Rates

Platform	Action	Best Rate	LTV	Min Collateral	US Access
Nexo	Get Loan	1.9% APR	—	—	Check terms
YouHodler	Get Loan	8% APR	—	—	Check terms

See all 2 loan rates

Ethereum (ETH) Prices

Platform	Coin	Price
Bithumb	Ethereum (ETH)	1,743.7
Coinspot	Ethereum (ETH)	1,769.24
BTSE	Ethereum (ETH)	1,862.76
Bitrue	Ethereum (ETH)	1,770
LBank	Ethereum (ETH)	1,769.99
CoinEx	Ethereum (ETH)	1,769.96
WhiteBit	Ethereum (ETH)	1,769.88
BigONE	Ethereum (ETH)	1,768.92
Nexo	Ethereum (ETH)	1,767.78

See all 9 prices

ETH Lending Rates Market Summary

Average Rate

5.5%APY

Highest Rate

21.5%APY

Lune.fi

Platforms Tracked

Best Risk-Adjusted

21.5%APY

Lune.fi

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Frequently Asked Questions About Ethereum (ETH) Interest Rates

What is Ethereum and how does it differ from Bitcoin?: Ethereum is a programmable blockchain that enables developers to build and deploy smart contracts and decentralized applications (dApps). Unlike Bitcoin, which primarily functions as digital money, Ethereum serves as a global computer where code executes automatically and autonomously. Its native token, ETH, is used for paying transaction fees (gas), securing the network through staking, and interacting with DeFi, NFT marketplaces, and other decentralized services. The platform’s goal is to enable a wide range of applications beyond payments, from finance to gaming, with ongoing upgrades like Proof of Stake (completed in 2022) and plans to increase throughput and reduce costs.
How does the Proof of Stake transition (The Merge) affect ETH rewards and security?: The Merge moved Ethereum from Proof of Work to Proof of Stake, meaning validators (not miners) secure the network by staking ETH as collateral. Validators earn rewards for proposing and validating blocks, typically in the range of a few percent annually, depending on total stake and network conditions. PoS reduces energy consumption by over 99% and introduces penalties for malicious behavior, improving security through slashing. For users, this shift generally means a more sustainable network with the potential for staking yields, though it requires staking mechanisms (direct validator participation or through staking services).
What is EIP-1559 and how does it affect ETH supply and transaction fees?: EIP-1559 introduced a base fee mechanism that is burned (destroyed) with each transaction, along with a priority tip to miners/validators. This creates deflationary pressure during periods of high activity: more ETH is burned than issued as rewards to validators, potentially reducing circulating supply over time. In practice, users pay a dynamic base fee that contracts with network demand, plus a tip to prioritize inclusion in a block. The net effect can be lower average fees during calm periods and occasional upward pressure on ETH scarcity during busy times.
What are the main use cases for ETH within the Ethereum ecosystem?: ETH serves several critical roles: paying gas fees to execute smart contracts and participate in dApps, staking to secure the network and earn rewards, and acting as collateral or liquidity in DeFi protocols. It’s also used to purchase NFTs and digital assets on various marketplaces. As institutional adoption grows, ETH is increasingly held in treasuries and offered in regulated products like spot ETFs, giving traditional investors a familiar way to gain exposure while supporting the ecosystem’s liquidity and security.
What is the roadmap for Ethereum in terms of scalability and future upgrades?: Ethereum’s roadmap focuses on increasing transaction throughput, reducing confirmation times, and maintaining decentralization and security. After The Merge, upgrades aim to augment sharding and rollups (layer 2 solutions) to push effective throughput well beyond current levels, potentially exposing capacity targets like 100,000 transactions per second in the long term. Ongoing research targets improvements in data availability, network efficiency, and resistance to future threats (e.g., quantum computing). Practically, users and developers can expect lower fees and faster confirmations as Layer 2 ecosystems mature and base layer improvements take effect.

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Frequently Asked Questions About Ethereum (ETH) Interest Rates

What is Ethereum and how does it differ from Bitcoin?

Ethereum is a programmable blockchain that enables developers to build and deploy smart contracts and decentralized applications (dApps). Unlike Bitcoin, which primarily functions as digital money, Ethereum serves as a global computer where code executes automatically and autonomously. Its native token, ETH, is used for paying transaction fees (gas), securing the network through staking, and interacting with DeFi, NFT marketplaces, and other decentralized services. The platform’s goal is to enable a wide range of applications beyond payments, from finance to gaming, with ongoing upgrades like Proof of Stake (completed in 2022) and plans to increase throughput and reduce costs.

How does the Proof of Stake transition (The Merge) affect ETH rewards and security?

The Merge moved Ethereum from Proof of Work to Proof of Stake, meaning validators (not miners) secure the network by staking ETH as collateral. Validators earn rewards for proposing and validating blocks, typically in the range of a few percent annually, depending on total stake and network conditions. PoS reduces energy consumption by over 99% and introduces penalties for malicious behavior, improving security through slashing. For users, this shift generally means a more sustainable network with the potential for staking yields, though it requires staking mechanisms (direct validator participation or through staking services).

What is EIP-1559 and how does it affect ETH supply and transaction fees?

EIP-1559 introduced a base fee mechanism that is burned (destroyed) with each transaction, along with a priority tip to miners/validators. This creates deflationary pressure during periods of high activity: more ETH is burned than issued as rewards to validators, potentially reducing circulating supply over time. In practice, users pay a dynamic base fee that contracts with network demand, plus a tip to prioritize inclusion in a block. The net effect can be lower average fees during calm periods and occasional upward pressure on ETH scarcity during busy times.

What are the main use cases for ETH within the Ethereum ecosystem?

ETH serves several critical roles: paying gas fees to execute smart contracts and participate in dApps, staking to secure the network and earn rewards, and acting as collateral or liquidity in DeFi protocols. It’s also used to purchase NFTs and digital assets on various marketplaces. As institutional adoption grows, ETH is increasingly held in treasuries and offered in regulated products like spot ETFs, giving traditional investors a familiar way to gain exposure while supporting the ecosystem’s liquidity and security.

What is the roadmap for Ethereum in terms of scalability and future upgrades?

Ethereum’s roadmap focuses on increasing transaction throughput, reducing confirmation times, and maintaining decentralization and security. After The Merge, upgrades aim to augment sharding and rollups (layer 2 solutions) to push effective throughput well beyond current levels, potentially exposing capacity targets like 100,000 transactions per second in the long term. Ongoing research targets improvements in data availability, network efficiency, and resistance to future threats (e.g., quantum computing). Practically, users and developers can expect lower fees and faster confirmations as Layer 2 ecosystems mature and base layer improvements take effect.