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Ca🦩sh on Hand Feels Smartꦯ Right Now—But Be Sure to Earn a Solid Return

Given 澳洲幸运5开奖号码历史查询:the economic rollercoaster🎶 triggered by President Trump's continually evolving tariff policy, boosting the cash you have in reserve seems wise. But whether you're holding savings in the bank or shifting funds from stocks into cash vehicles, it's important to consider how much you can earn from different strategies.

For an attractive interest rate that involves virtually no risk, the options for safe cas♒h i✃nvestment come in three main flavors:

1. Bank and credit union products: Savings accounts, money market accounts, and 澳洲幸运5开奖号码历史查询:certificates of deposit (CDs)
2. Brokerage and robo-advisor products: 澳洲幸运5开奖号码历史查询:Money market funds and cash management accounts
3. U.S. Treasury products: T-bills, notes, and bonds, in addition to I bonds

You can choose just one of these or mix and match products for different buckets of funds and timelines. In any case, you'll want to understand what each product pays. Below, we lay out today's top rates in every category, indicating the change from a week ago.

Today's Best Rates on Cash - Apr. 25, 2025

Right now you can earn the highest rate with a 澳洲幸运5开奖号码历史查询:high-yield savings account, with two options paying 5.00%. However, those two leaders have some special requirements that might not suit your needs, with 4.60% being the top high-yield savings rate with "no🍷 strings attached."

Savings and money market account rates can drop at any time, however. To ensure you earn today's rates for months or even years into the future, 澳洲幸运5开奖号码历史查询:consider a CD instead. The top rate there is also 4.60%, for terms of 6 to 10 months⭕. Or you can lock in a slightly lower APY that will be guaranteed for longer.

Rates on brokerage money market funds and cash management accounts showed little change this week, while rates on Treasurys held mostly steady in the s꧅horter durations but declined somewhat among longer bonds.

Bank and Credit Union Rates

The r✅ates below are the top nationally available APYs from federally insured banks and credit unions, based on our daily rate rese🍸arch of more than 200 institutions that offer nationwide products.

Brokerage and Robo-Advisor Rates

The yield on money market funds fluctuates daily, while rat💝es on cash management accounts are more fixed, but can change at any time.

U.S. Treasury Rates

Treasury securities pay their rate through maturity and can be bought directly from TreasuryDirect, or c☂an be bought and sold on the secondary market via a bank or brokerage. I bonds must be bought from TreasuryDirect and can be held for up to 30 years, with rates adjusted every six months.

Summary Table: All Cash Options by Rate

Here's a different look at all of the cash vehicles above, sorted by rate. Note that the rates shown are the highest qualifying rate for each product type.

Understanding Your Different Cash Options

Bank and Credit Union Products

Savings Accounts

The most basic place to stash cash is a bank or credit union savings account—sometimes called a 澳洲幸运5开奖号码历史查询:high-yield savings account—that lets you add and withdraw money as you please. But don't assume your primary bank pays a🔴 competitive rate. Some banks pay virtually zero interest.

Fortunately, we make shopping for a high rate easy. Our daily ranking of the best high-yield savings accounts gives you 澳洲幸运5开奖号码历史查询:18 options p💮aying 4.35% to 5.00% APY. Note, however, that savings account rates can change at any time♒.

Money Market Accounts

A 澳洲幸运5开奖号码历史查询:money market account is a savin⛄gs account that lets you write paper ch🥀ecks. If this is a useful feature to you, shop our list of the best money market accounts.

If you don't need paper check-writing, choose whichever account type—money market or savings—pays the better rate. The top money market account rate🧸 is 🌌currently 4.40% APY. Again, be aware that money market rates 𝔍are variable, so they can be lowered without warning.

Certificates of Deposit

A 澳洲幸运5开奖号码历史查询:certificate of deposit (CD) is a bank or credit union product with a fixed interest rate that promises a guaranteed return for a set p♛eriod of time. Generally ranging from 3 months to 5 years, CDs offer a predictable return with a rate that cannot be changed for the duration of the term.

But be aware that it's a commitment with teeth: If you cash in before maturity, your earnings will be dinged with an early withdrawal penalty. Our daily ranking of the best nationwide CDs currently includes 澳洲幸运5开奖号码历史查询:options paying up to 4.60% APY.

Brokerage and Robo-Advisor Products

澳洲幸运5开奖号码历史查询: Money Market Funds

Unlike a money market account at a bank, money market funds are mutual funds invested in cash and offered by brokerage and robo-advisor firms. Their yields can fluctuate daily but currently range from ౠ3.96% to 4.22% at the three biggest brokerages.

Cash Management Accounts

For uninvested cash held at a 澳洲幸运5开奖号码历史查询:brokerage or 澳洲幸运5开奖号码历史查询:robo-advisor, you can have the funds "swept" into a cash management account where it will earn a return.🦄 Unlike money market funds, cash management accounts offer a specific interest rate that the brokerage or robo-advisor can adjust whenever it likes. Currently, sev🌌eral popular brokers are paying 3.83% to 4.00% APY on their cash accounts.

U.S. Treasury Products

Treasury Bills, Notes, and Bonds

The 澳洲幸运5开奖号码历史查询:U.S. Treasury offers a wide array of short- and long-term bond instruments. Treasury bills have the shortest duration, ranging from 4 to 52 weeks, while Treasury notes have a maturity of 2 to 5 years. The longest-term option is a Tr💯easury bond, which has a 20- to 30-year maturity. Today's rates on the various Treasury products r𒅌ange from 3.74% to 4.75%.

You can 澳洲幸运5开奖号码历史查询:buy T-bills, notes, and bonds directly from 澳洲幸运5开奖号码历史查询:TreasuryDirect or buy and sell them on the secondary market at brokerages and banks. Selling a Treasury product allows you to exit before the bond matures. However, you may pay 💎a fee or commi🧸ssion for secondary market purchases and sales, while buying and redeeming at TreasuryDirect—the U.S. Treasury’s online platform for buying federal government securities—has no fees.

You can also buy Treasury ETFs, which trade on the market like a stock. Treasury ETFs have advantages and limitations, which you 澳洲幸运5开奖号码历史查询:can read about here.

I Bonds

U.S. Treasury I bonds have a rate that's adjusted every six months to align with inflation trends. You can redeem an I bond anytime after one year or hold it for as long as 30 years. Every six months you own the bond, your rate will change.

How We Find the Best Savings and CD Rates

Every business day, Investopedia tracks the rate data of more than 200 banks and credit unions that offer CDs and savings accounts to customers nationwide and determines daily rankings of the top-paying accounts. To qualify for our lists, the institution must be federally insured (FDIC for banks, NCUA for credit unions), and the account's minimum initial deposit must not exceed $25,000. It also cannot specify a maximum deposit amount that's below $5,000.

Banks must be available in at least 40 states to qualify as nationally available. And while some credit unions require you to donate to a specific charity or association to become a member if you don't meet other eligibility criteria (e.g., you don't live in a certain area or work in a certain kind of job), we exclude credit unions whose donation requirement is $40 or more. For more about how we choose the best rates, 澳洲幸运5开奖号码历史查询:read our full methodology.