Best USDC interest rates (November 2026)
Right now 74 USDC pools pass our safety filters. The best 30-day average is 13.15% on Upshift (Ethereum), and the middle of the pack earns about 6.09%.
Last updated · refreshes hourly · Data: DefiLlama ↗
New to this? Read the 30-second versionQuick explainer
- A stablecoin is a token built to stay worth $1. You can lend it out or deposit it in a protocol and earn interest, paid by borrowers or by what the protocol does with the money.
- We rank by the 30-day average (APY), not today's rate, because rates jump around. Tap + on any row for the risks and a link to the source.
- Higher rates usually mean more risk. None of this is insured like a bank account.
Guide: How stablecoin yields work →How to read these tablesGlossary
74 options match
- 1
Upshift
XUPUSDC · Ethereum
13.15%30d avg
Now 13.15%TVL $15.2MSteadyDetails
- 2
Accountable
USDC · Ethereum
12.13%30d avg
Now 12.13%TVL $14.2MSteadyDetails
- 3
Morpho Blue
ROXCUSDC · Ethereum
11.44%30d avg
Now 8.27%TVL $29.2MFallingDetails
- Reward tokens
- 0.56% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Morpho Blue website ↗
- 4
Pareto Credit
USDC · Ethereum
10.59%30d avg
Now 10.59%TVL $11.1MSteadyDetails
- Note
- Bastion
- Source
- DefiLlama pool page ↗Pareto Credit website ↗
- 5
Accountable
USDC · Monad
10.18%30d avg
Now 9.75%TVL $71.0MSteadyDetails
- Note
- Earn ACC Points
- Reward tokens
- 0.25% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Accountable website ↗
- 6
Ember
USDC · Sui
10.02%30d avg
Now 10.00%TVL $11.3MSteadyDetails
- Note
- Ember Earn
- Source
- DefiLlama pool page ↗Ember website ↗
- 7
Gami Labs
EARNUSDC · Stellar
10.00%30d avg
Now 10.00%TVL $27.5MSteadyDetails
- Note
- Gami earnUSDC
- Source
- DefiLlama pool page ↗Gami Labs website ↗
- 8
Agua
USDC · Ethereum
10.00%30d avg
Now 10.00%TVL $14.9MSteadyDetails
- Note
- Global Carry Vault
- Source
- DefiLlama pool page ↗
- 9
Gami Labs
GAMIUSDC · Ethereum
9.62%30d avg
Now 9.60%TVL $10.3MSteadyDetails
- Note
- Gami USDC
- Source
- DefiLlama pool page ↗Gami Labs website ↗
- 10
Ember
USDC · Ethereum
9.17%30d avg
Now 14.45%TVL $17.9MRisingDetails
- Note
- Y10K Capital USD
- Source
- DefiLlama pool page ↗Ember website ↗
- 11
Lagoon
GAMIUSDC · Ethereum
9.15%30d avg
Now 9.10%TVL $10.3MSteadyDetails
- 12
ZEROBASE CeDeFi
USDC · Base
9.00%30d avg
Now 9.00%TVL $10.5MSteadyDetails
- Reward tokens
- 2.00% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗ZEROBASE CeDeFi website ↗
- 13
Morpho Blue
ROXUSDCY · Ethereum
8.12%30d avg
Now 8.39%TVL $32.9MSteadyDetails
- Reward tokens
- 0.43% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Morpho Blue website ↗
- 14
Morpho Blue
HYPERUSDCA · Monad
8.12%30d avg
Now 8.55%TVL $43.3MSteadyDetails
- Reward tokens
- 0.92% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Morpho Blue website ↗
- 15
Pareto Credit
USDC · Ethereum
8.06%30d avg
Now 8.06%TVL $131.9MSteadyDetails
- Note
- FalconX
- Source
- DefiLlama pool page ↗Pareto Credit website ↗
- 16
Midas RWA
USDC · Ethereum
7.69%30d avg
Now 7.75%TVL $29.0MSteadyDetails
- Note
- mHYPER
- Source
- DefiLlama pool page ↗Midas RWA website ↗
- 17
Sentora Curator
USDC · Ethereum
7.54%30d avg
Now 7.51%TVL $101.0MSteadyDetails
- Note
- Sentora USD
- Source
- DefiLlama pool page ↗Sentora Curator website ↗
- 18
Midas RWA
USDC · Ethereum
7.52%30d avg
Now 7.64%TVL $66.1MSteadyDetails
- Note
- mFONE
- Source
- DefiLlama pool page ↗Midas RWA website ↗
- 19
Morpho Blue
RESERVOIRUSDC · Ethereum
7.33%30d avg
Now 7.68%TVL $11.4MSteadyDetails
- Reward tokens
- 1.38% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Morpho Blue website ↗
- 20
Dolomite
USDC · Ethereum
7.22%30d avg
Now 7.74%TVL $22.2MSteadyDetails
- Reward tokens
- 3.99% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Dolomite website ↗
- 21
Fluid Lite
USDC · Ethereum
7.16%30d avg
Now 7.98%TVL $37.6MRisingDetails
- 22
Current
USDC · Sui
7.05%30d avg
Now 7.08%TVL $18.1MSteadyDetails
- Note
- MainMarket
- Reward tokens
- 4.74% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Current website ↗
- 23
Yearn Finance
USDC · Ethereum
7.02%30d avg
Now 6.63%TVL $14.6MSteadyDetails
- 24
Morpho Blue
HUMAUSDC · Ethereum
6.92%30d avg
Now 8.87%TVL $14.4MRisingDetails
- 25
Morpho Blue
PENDLEUSDC · Ethereum
6.81%30d avg
Now 6.85%TVL $21.5MSteadyDetails
- Reward tokens
- 1.30% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Morpho Blue website ↗
Is earning interest on USDC safe?
Safer is not safe. Every pool here is a smart contract that could have a bug, and USDC itself could lose its $1 peg if Circle or its backing runs into trouble. Pools with very high rates often pay part of the yield in reward tokens or lend to riskier borrowers. Pools listed under "USDC" include vaults and wrapped versions built on USDC, which add their own manager or strategy risk. Read the full risk explainer.
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