Key takeout
Good news for savers: The Fed is unlikely to cut interest rates anytime soon, so today’s strong cash revenue is expected to stick for now. The largest high-yield savings account offers up to 5.00%, but the best CD rate of the week is impressive at 4.60%. Cash from brokerages and robo-advisors can earn over 4.00%, while the latest US Treasury yields reach 4.93%. The table below will help you to determine by comparing current returns between banks, brokerage companies, robo-advisors and the Ministry of Finance.
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I’m still paying cash well
Holding cash cushions is always a wise move, but I feel that keeping money in reserves is even more important in today’s environment of economic uncertainty driven by President Donald Trump’s changing tariff policy. Whether you save savings at a bank or move your funds from a more volatile investment, it can be beneficial to consider how much cash can make. Different strategies offer different yields, and the right approach can make meaningful differences.
Fortunately for savers, today’s options remain extremely attractive, with revenue still being supported by rising Federal Reserve benchmark interest rates. And that favorable environment could last for several more months. According to CME Group’s FedWatch tool, there is an over 70% chance that a first cut will not occur until the Fed’s announcement on September 17th.
That’s good news for savers, as the fees offered by banks, credit unions and brokerages are closely tied to federal fund rates. It drops whenever the Fed cuts benchmark rates, savings, money markets, and CD account yields.
Best cash rates today
For attractive interest rates that are virtually risk-free, the safe cash investment option belongs to three main flavors.
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.
You can choose just one of these or mix and match different bucket funds with timeline products. Either way, you’ll want to understand what each product pays for. Below we lay out today’s highest rates for all categories that are approaching the market on Friday, showing the changes from a week ago.
Bank and Credit Union Fees
The following fees are nationally available annual yields (APY) from federal insurance banks and credit unions based on daily rate surveys of more than 200 institutions offering nationwide products.
Securities companies and robo-advisor rates
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 fees through maturity and are purchased directly from the Treasury or sold in the secondary market via 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.
Summary Table: All cash options are based on fees
All of the above cash vehicle views are sorted by rate. Please note that the rates shown are the highest eligible rates for each product type.
Understand the various cash options
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, we make shopping easier with high prices. Our daily rankings of the best high income savings accounts offer 15 options to pay APY between 4.31% 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, buy a list of the best money market accounts.
If you do not need paper check writing, choose your account type (money market or savings). Currently, the top money market account rate is 4.37%. Again, please note that money market rates fluctuate. That way you can lower it without warning.
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 ranking of the best national CDs currently includes 16 options that pay at least 4.50%.
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 3.92% to 4.20% 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 prices for various financial products range from 3.90% to 4.93%.
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 Department’s 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.
I rose from 3.11% on May 1 to 3.11% of bonds issued over the past six months to 3.98% 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.
