Ethereum (ETH) Lending Rates Up to 12% APY
Find the best ETH lending rates and earn up to 12% APY. Compare 30 platforms side-by-side.
Find the best ETH lending rates and earn up to 12% APY. Compare 30 platforms side-by-side.
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | US Access |
|---|---|---|---|---|---|---|
| YouHodler | Go to Platform | 12% APY | — | — | — | Not US |
| Nexo | Go to Platform | 7.5% APY | 4.5% APY | — | 30 days | Check terms |
| EarnPark | Go to Platform | 5% APY | — | — | 30 days | Not US |
| AQRU | Go to Platform | 3% APY | — | — | — | Check terms |
| Gemini | Go to Platform | 0.01% APY | — | — | — | US Available |
| Wirex | Go to Platform | 12% APY | — | — | — | Not US |
| Bitget | Go to Platform | 5% APY | — | — | — | Check terms |
| Nebeus | Go to Platform | 4.5% APY | 4.5% APY | $1 | — | Not US |
| BTSE | Go to Platform | 3.5% APY | — | — | — | Check terms |
| Klink | Go to Platform | 3.2% 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.
YouHodler currently offers the highest Ethereum lending rate in the United States at 12.00% APY, matching its 30-day average of 12.00%.
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 |
| Gemini | US (NYDFS, FinCEN) | 2024-12 (Big Four (SOC 2)) | Has issues | Digital asset insurance |
