Various Apys Apys 6 Months Profits on Apy Revenues 10kk 6 Months Revenues 6 Months Revenues 30,000 6 Months Revenues 4.00% $198 $594 $990 4.25% $210 $631 $1,051 4.50% $223 $668 $1,1113 $1,235
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Please note that the rates you earn in your savings account, money market account, cash account, or money market funds can fluctuate and will almost certainly fall when the Fed begins to cut. In contrast, the CD and the Treasury allow them to come back in the terminology set.
Best Payment Options for Savings, CDs and Treasury This Week’s Ministry of Savings, and Ministry of Finance
For still rewarding low-risk returns, today’s top cash investment options fall into three main categories:
Bank and Credit Union Products: Savings Accounts, Money Market Accounts (MMA), Certificate of Deposit (CDS) Securities Company and RoboAdvisor Products: Money Market Funds and Cash Management Accounts US Financial Products: T Bill, Memos, Bonds, Plus Inflation Protection I Bonds
You can select a single option based on your goals and timeline or mix and match. Either way, it’s essential to know what each person is currently paying for. Below we will analyze how the top rates for each category have changed since last week as the market approaches on Friday.
Bank and Credit Union Fees
The following fees represent the nationally available annual yield (APY) from federal insurance banks and credit unions based on daily analysis of over 200 institutions offering products nationwide.
Cash Fees for Securities and Robo Advisors
Money market fund yields fluctuate daily, but cash management account fees are more fixed, but can be adjusted at any time.
US Finance Rate
Treasury securities pay interest through maturity and can either purchase from the Treasury or trade in the secondary market through banks or intermediaries. I bonds must be purchased from TreasuryDirect and can be held for up to 30 years with a fee adjusted every six months.
The best cash rates this week are all in one place
Here’s an overview of all the cash vehicles listed above sorted by today’s highest rates. Please note that the rates shown are the highest eligible rates for each product type.
How to choose the best place for your cash
Bank and Credit Union Products
Savings account
The most basic place to hide cash is sometimes referred to as a bank or credit union savings account, or a high-yield savings account. This will add money and withdraw it. But don’t assume that your major bank will pay competitive fees. Some banks pay virtually zero interest.
Luckily, the daily rankings for the best high-revenue savings accounts offer 18 options to pay APY between 4.30% and 5.00%. However, please note that your savings account fees may change at any time.
Money Market Account
A Money Market Account is a savings account where you can write a paper check. If this is a useful feature for you, compare the best money market accounts.
If you do not need paper check writing, choose your account type (money market or savings). Today’s top money market account rate is 5.00%. But again, just like savings account fees, money market rates fluctuate. This means you can pull it down at any time.
Deposit certificate
A certificate of deposit (CD) is a bank or credit union product with a fixed interest rate that promises guaranteed revenue for a period of time. Typically, ranging from 3 months to 5 years, CDS offers predictable returns at rates that cannot be changed over the period.
But remember that it is a commitment to teeth. If you earn cash before maturity, your revenue will reduce your early withdrawal penalty. The daily rankings of the best national CDs currently include 12 options that pay at least 4.50% at a minimum rate of 4.60%.
Securities companies and robo-advisor products
Money Market Fund
Unlike banks’ money market accounts, money market funds are mutual funds that are invested in evidence and provided by brokerages and robo-advisor companies. Their yields can fluctuate daily, but currently range from 3.96% to 4.22% for the three largest brokerages.
Cash Management Account
For cash not invested in by a brokerage or robo-advisor, the funds can be “swept” into a cash management account. Unlike money market funds, cash management accounts offer specific interest rates that a brokerage or robo-advisor can adjust whenever they like. Currently, some popular brokers are paying APYs between 3.83% and 4.00% in cash accounts.
US Financial Products
Treasury bills, memos, bonds
The US Treasury offers a wide range of short-term and long-term bond equipment. Treasury bills are in the shortest time period in the range of 4-52 weeks, while Treasury has a maturity of 2-5 years. The longest option is a Ministry of Finance bond with a maturity of 20 or 30 years. Today’s rates for various financial products range from 3.84% to 5.00%.
You can buy T-Buildings, Memos and Bonds directly from TreasuryDirect, or buy and sell in the secondary markets of brokerages and banks. Selling financial products allows you to leave before your bond matures. However, you may pay a fee or commission for secondary market purchases and sales during purchases and redemptions on TreasuryDirect, the US Treasury online platform for purchasing federal securities.
You can also purchase ETFs from the Ministry of Finance. It trades in the market like stocks. Treasury ETFs have advantages and limitations, and can be read here.
I’ll be connected
US Treasury I bonds have a rate that is adjusted every six months to match inflation trends. You can redeem your i-bond at any time in a year or hold it for 30 years. While you own the bond, your rate changes every six months.
On May 1, it increased from 3.11% of bonds issued in the past six months to 3.11% of new bonds purchased between May 1 and October 31, 2025. See our stories about recent rate changes, including rate tables for different bond dates.
How to find the best savings and CD rates
Every day, Investopedia tracks rate data from over 200 banks and credit unions that provide CDs and savings accounts to customers across the country, determining daily rankings of the best ing accounts. To qualify for our list, the institution must be federal insurance (FDIC in the bank, NCUA in the credit union) and the minimum initial deposit in the account must not exceed $25,000. Additionally, you cannot specify a maximum deposit amount of less than $5,000.
To qualify for national availability, banks must be available in at least 40 states. Also, some credit unions require that you donate to a specific charity or association if you do not meet other eligibility criteria (for example, you do not live in a particular area or work in a certain type of work), but exclude credit unions with a donation requirement of $40 or more. Read our complete methodology for more information on how to choose the best price.
