M1 Invest Account
Afternoon trade window
This trade window, exclusively for M1 Plus members, begins at 3pm ET*.
Smart Transfers
Plus members can create Smart Transfers, or cash sweeps, to automatically move money between their M1 High-Yield Savings and taxable Invest Accounts based on customizable rules.
M1 Custodial Accounts
Plus members get access to create Custodial Accounts. Open a Custodial Account here.
M1 High-Yield Savings Account
5.00% APY** for current Savings accountholders with M1 Plus.
All other current Savings accountholders get 1.50% APY** on their balance.
M1 Margin Loan***
7.25% rate
You can take an M1 Margin Loan of up to 40% of your portfolio value at 8.75% interest rate, or 7.25% if you are an M1 Plus member*.
****M1 Plus Margin Loan rate is a reduction of the M1 Margin Loan base rate of 8.75%, which is variable and tracks the Federal Funds Rate. When the Federal Funds Rate goes up or down, the M1 Margin Loan base rate may follow.
Learn more about M1 Margin Loans.
Owner's Rewards Card by M1
Apply for the Owner’s Rewards Card by M1.
Earn 1.5-10% cash back
Earn 10%, 5%, or 2.5% cash back on purchases with 70+ brands included in the Owner’s Rewards program, and 1.5% standard cash back on everything else.
* Participate in both windows daily when you have $25,000+ in your investment portfolio to comply with pattern-day-trading regulations.
** Obtaining stated APY (annual percentage yield) or opening a savings account does not require a minimum account balance. Stated APY is valid from date of account opening. Account fees may reduce earnings. Higher APY rate subject to paid M1 Plus subscription. Rates are subject to change.
M1 is not a bank. High-Yield Savings Accounts are provided by B2 Bank NA, Member FDIC.
***M1 Margin Loan available on margin accounts with at least $2000 invested. Not available for all account types. Investing involves risk, including the risk of loss. Using M1 Margin Loan account can add to these risks. Brokerage products and services offered by M1 Finance LLC, Member FINRA/ SIPC.
****M1 Plus Margin Loan rate is a reduction of the M1 Margin Loan base rate of 8.75%, which is variable and tracks the Federal Funds Rate. When the Federal Funds Rate goes up or down, the M1 Margin Loan base rate may follow.
M1 is not a bank. Personal Loans furnished by B2 Bank NA, Member FDIC, Equal Opportunity Lender.
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