In-depth review
U.S. Money Reserve Name Review (2026)
U.S. Money Reserve is best for retirement investors who value an established dealer, personalized rollover assistance, and a broad precious-metals catalog, provided they are comfortable confirming prices and fees by phone.
4.0
Our score / 5
Founded
2001
Metals offered
Gold, silver, platinum, palladium
Storage
IRS-Approved Depository
BBB rating
A+
The quick verdict
Is U.S. Money Reserve worth it?
U.S. Money Reserve is worth considering for investors who want guided help opening a precious-metals IRA through an established dealer. Its product selection, first-year fee promotion, and A+ BBB rating are appealing, but limited public disclosure of ongoing fees and product markups makes comparison shopping important.
Bottom line
Best for investors who want hands-on rollover assistance and a large selection of precious metals. Consider alternatives if transparent online IRA pricing is your priority.
What we like
Watch out for
Best for
Not ideal for
Costs
Fees, pricing & minimums
U.S. Money Reserve advertises first-year setup, transaction, transfer, maintenance, storage, and insurance fee coverage for qualifying precious-metals IRAs funded above 10000 dollars. Its FAQ has also referenced different qualifying thresholds depending on whether an account is funded through a new contribution or rollover, so investors should request the current promotion in writing. Custodian, administration, storage, and insurance charges after the promotional period depend on the selected account and depository, while IRA metal prices are generally confirmed through a representative.
Security
Storage & custody
U.S. Money Reserve works with third-party custodians and approved depositories rather than holding IRA assets directly for clients. Equity Trust is identified as its preferred custodian, while the specific depository and availability of segregated or commingled storage depend on the account arrangement. Metals remain insured during shipment to the depository, and IRA-owned metals must remain under qualified custody rather than being stored at the investor’s home.
Products
Metals & product selection
U.S. Money Reserve offers gold, silver, platinum, and palladium in coins and bars, although IRA eligibility depends on each product meeting federal purity and custody rules. Its catalog includes bullion, proof, certified, and government-issued products, giving investors considerable choice but also creating a need to compare premiums carefully. Customers purchasing metals outside an IRA can generally arrange insured home delivery.
Trust
Reputation & track record
Founded in 2001, U.S. Money Reserve has operated through multiple precious-metals market cycles and maintains an A+ rating and accreditation with the Better Business Bureau. BBB customer reviews are generally positive about representative knowledge and rollover support, although complaints and past legal or regulatory disputes make it sensible to scrutinize premiums, liquidation terms, and written disclosures before purchasing.
Scorecard
How we scored U.S. Money Reserve
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Editorial
How we review gold IRA companies
We examine each provider’s account costs, metal selection, custodial relationships, storage protections, customer assistance, business history, and independent reputation. Fees and value, product selection, storage and security, customer support, and reputation receive consistent weighted scores so readers can compare providers on the same basis.
FAQ
Common questions about U.S. Money Reserve
What is U.S. Money Reserve’s minimum investment?
U.S. Money Reserve currently advertises first-year IRA fee coverage for qualifying accounts funded above 10000 dollars. Its published materials have contained varying thresholds and inventory conditions, so confirm the applicable minimum and promotion before transferring funds.
Is U.S. Money Reserve a legitimate, safe choice?
U.S. Money Reserve is an established precious-metals dealer founded in 2001 and holds an A+ BBB rating. However, precious metals can lose value, dealer premiums affect returns, and neither BBB accreditation nor insured storage guarantees investment performance.
Can I roll over a 401(k) into a gold IRA with them?
Yes, provided the plan is eligible for rollover. A properly completed direct trustee-to-trustee transfer is generally not taxable, but investors should confirm eligibility and tax treatment with the plan administrator, custodian, and a qualified tax professional.
Where will my metals be stored?
IRA metals are stored at a qualified, custodian-approved depository selected during setup. Personally taking possession or storing IRA-owned metals at home can jeopardize the account’s tax-advantaged status.
Final verdict
Should you choose U.S. Money Reserve?
U.S. Money Reserve is a reasonable choice for investors who value personal guidance, an extensive metals catalog, and a dealer with a long operating history. Investors focused on the lowest premiums or complete online fee transparency should compare written quotes from several providers before deciding.
Affiliate disclosure: We may earn a commission if you open an account through our links, at no extra cost to you. This can influence which companies we feature. We only cover providers we believe offer genuine value.
Not financial advice: Informational only. Precious-metals investing carries risk, including loss of principal. Consult a licensed advisor before investing.
