Where to earn the most interest on your cash
Dated, sourced yields for Treasury bills, savings accounts, CDs and money market options in the US, and the math on what you keep after federal and state tax.
Treasury bill yields today
4-week
3.99%
13-week (3 month)
4.17%
26-week (6 month)
4.36%
52-week (1 year)
4.49%
Coupon equivalent yields for Oct 21, 2026. Source: U.S. Department of the Treasury.
Four places cash can earn interest
Treasury bills
Short-term US government debt from 4 to 52 weeks. Interest is exempt from state and local income tax. Not a bank deposit and not FDIC insured; backed by the full faith and credit of the US government.
High yield savings accounts
Savings at a bank or credit union with a variable rate you can withdraw at any time. Deposits are insured only at an FDIC or NCUA insured institution, up to the coverage limits.
Certificates of deposit
A fixed rate for a fixed term. Taking money out early usually costs a penalty, unless it is a no-penalty CD.
Money market accounts and funds
A money market account is a bank deposit. A money market fund is an investment sold by brokers and fund companies and is not FDIC insured. Similar names, different protection.
How we keep the numbers honest
- Every rate shows where it came from and the date it applies to.
- We only use official data or rates we have checked ourselves on the institution's own public page.
- If we have no reliable number, we show nothing instead of an estimate.
- Tables are sorted by yield. Payment from a company never changes its position.
- We call an account FDIC or NCUA insured only after checking the regulator's own lookup.
Read the full methodology and our advertiser disclosure.