How much is the J.P. Morgan Self-Directed Investing bonus actually worth?
The headline number is Up to $1,000. Counting the money you tie up and the time the requirements take, it works out to about $1,500/hr per hour of your own time.
Big number, but you need six figures parked for a quarter.
The numbers, in full
| Payout | Up to $1,000 |
|---|---|
| What it takes | Fund new money, tiered. Top tier needs ~$250K held 90 days. |
| Direct deposit needed | No |
| Money tied up | $250,000 |
| Time committed | 90 days |
| Effective APY | 1.6% |
| Per hour of your time | $1,500/hr |
| When it pays | ~15 days after qualifying |
| Offer ends | Jul 21, 2026 |
| Last checked | Jul 5, 2026 |
What the return actually looks like
$250,000 committed for about 90 days pays $1,000, which annualizes to 1.6%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 4.9% | |
| 45 days | 3.2% | |
| 60 days | 2.4% | |
| 90 days | 1.6% | The offer's own stated window |
| 120 days | 1.2% | |
| 180 days | 0.8% | |
| 270 days | 0.5% | |
| 365 days | 0.4% |
Open it
We have no referral for this one, so this goes straight to the public offer.
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