Moomoo $1,000 Savings Bonus (24.4% Effective APY) - 2026 Review
Bonus Tiers & Effective APY
Overview
Moomoo's cash account bonus pays up to $1,000 on a $100,000 deposit, with a 4.1% APY on idle cash and a surprisingly short 60-day hold. Bonus is paid in NVDA stock (sellable immediately), not cash — minor detail but worth knowing. At smaller tiers ($2k/$10k) this is one of the highest-return short-hold plays available.
Who This Savings Bonus Is Best For
Churners who want a quick cash-account bonus without a DD setup or long lock-in. Also a solid parking spot for pre-tax quarterly savings or any cash you'd otherwise hold in a lower-APY HYSA.
How to Maximize This Bonus
Open a Moomoo cash account, fund with net-new money within 30 days, and hold for 60 days (120 for $50k tier, 180 for $100k tier). The $2,000 tier alone pays $100 — that's a 5% return in 60 days, or ~30% annualized. The $10,000 tier ($200 bonus) is nearly as efficient. Sell the NVDA shares the moment they post if you want cash.
Pros
Cons
How This Compares to Other Bonuses
At the $2k-$10k tiers, Moomoo's effective APY is excellent (20-30%+ annualized) and beats any comparable cash parking. At $100k, the effective APY is ~7% — still strong, but you'd earn more with Capital One's $1,500 on $100k played over 105 days. Use Moomoo for smaller deposits; use Capital One for the big bag.
Frequently Asked Questions
Is Moomoo FDIC insured?
No. Moomoo is a brokerage, so your cash is held under SIPC protection (up to $500,000). This is not the same as FDIC — in a brokerage failure, SIPC covers securities and cash held at the broker, but it works differently than FDIC bank coverage.
What stock is the bonus paid in?
Historically Moomoo has paid the bonus in NVDA shares (NVIDIA stock). You can sell immediately for cash.
How long do I have to hold the deposit?
60 days for tiers up to $10,000. 120 days for the $50,000 tier. 180 days for the $100,000 tier.
Related Bonus Reviews
Eligibility
Cash account (brokerage cash sweep). SIPC protected, not FDIC insured. New customers.
Fees
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Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.