Help Center

Returns & Interest

The stated rate, daily interest, fees, and risk

How returns work

What interest rate does CREB pay?

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.

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How does CREB generate yield?

CREB 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.

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How is interest calculated?

Interest 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.

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Is interest compounded?

Yes. 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.

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When does interest begin accruing?

Interest 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.

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Payouts and fees

How and when is interest paid?

Interest 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.

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Can I withdraw my interest or let it compound?

Both. 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.

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Are there any fees?

No. 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.

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Risk

Are returns guaranteed?

No. CREB pays a stated rate, but returns are not guaranteed. CREB bonds are investments, not bank deposits, and you could lose money, including principal.

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What are the main risks of investing in CREB?

The 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.

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