The stated rate, daily interest, fees, and risk
CREB currently pays a stated 8.50% APY. Interest is calculated and credited to your balance every day, and it compounds as it's added. There are no fees, so 8.50% is what you earn.
Read MoreCREB earns interest from short-term, first-lien real estate loans and U.S. Treasuries. Borrowers pay higher rates than CREB pays investors, and that income supports the stated 8.50% APY on your bonds.
Read MoreInterest is calculated every day on your full balance, including interest already credited, and added to your account daily. Over a full year, the stated rate works out to 8.50% APY.
Read MoreYes. Interest is compounded daily. Each day's interest is added to your balance, so the next day's interest is calculated on your principal plus everything you've already earned.
Read MoreInterest begins once your deposit has settled and the funds are invested. Bank transfers usually take a few business days to settle, and you'll see interest appear in your dashboard as soon as it starts.
Read MoreInterest is credited to your CREB balance every day, where it compounds. It isn't sent to your bank automatically; to receive income, you request a withdrawal from your dashboard.
Read MoreBoth. Interest is credited to your balance daily and compounds automatically. If you'd rather take income, request a withdrawal of any amount from your dashboard, with no fee.
Read MoreNo. CREB charges no management, account, platform or withdrawal fees. The stated 8.50% APY is what you earn, and every dollar you invest goes to work.
Read MoreNo. CREB pays a stated rate, but returns are not guaranteed. CREB bonds are investments, not bank deposits, and you could lose money, including principal.
Read MoreThe main risks are credit and real estate risk in the loan portfolio, interest rate changes, liquidity limits on large withdrawals, CREB's limited operating history, and the fact that the bonds are unsecured and not FDIC insured.
Read MoreGetting started