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Key Takeaways
- Many cash options continue to pay competitive yields in the 3%–5% range if you know where to look.
- Top savings accounts, CDs, brokerage cash accounts, and Treasuries offer solid returns with almost no risk—some with a guaranteed return.
- Choosing the right home for your cash can meaningfully increase what $10,000—or more—earns over time.
See Where Cash Is Paying the Most Right Now—All in One Chart
With the Federal Reserve currently in a holding pattern, cash yields are likely to remain fairly steady for the near term. And at current levels, today’s safest places to park money continue to offer attractive returns.
Across savings accounts, CDs, brokerage cash options, and U.S. Treasuries, yields vary by product and provider, yet many of the top options currently pay between the low-3% range and 5%. That makes it possible to earn a solid return on cash—without taking on stock-market risk.
To make it easier to compare your choices, we’ve pulled together the best-paying options across every major cash category—all in one chart. Top high-yield savings accounts continue to offer standout rates, the best CDs allow you to lock in a high yield for a set period, and brokerage cash options and Treasuries provide additional ways to balance return, flexibility, and stability.
Taken together, these yields highlight how much cash can still earn in today’s safest accounts. Below, we show what different balances could generate and how the top options compare across product types.
Why This Matters for You
Cash doesn’t have to sit on the sidelines to stay safe. Knowing which accounts are still paying competitive yields can help you earn more on savings you may need soon—without taking on market risk.
How Much You Can Earn on $10K—Or More
Staying cautious with your liquid savings doesn’t mean it has to sit idle. The right account can still turn short-term safety into meaningful earnings.
With a lump-sum savings deposit of $10,000, you can earn about $200 in interest in just six months by choosing a 4% account. Below we show what you’d earn at different interest rates, as well as what a balance of $25,000 or $50,000 would earn.
| Six Months of Earnings at Various APYs | |||
|---|---|---|---|
| APY | Earnings on $10K for 6 months | Earnings on $25K for 6 months | Earnings on $50K for 6 months |
| 3.50% | $173 | $434 | $867 |
| 3.75% | $186 | $464 | $929 |
| 4.00% | $198 | $495 | $990 |
| 4.25% | $210 | $526 | $1,051 |
| 4.50% | $223 | $556 | $1,113 |
| 4.75% | $235 | $587 | $1,174 |
| 5.00% | $247 | $617 | $1,235 |
Important
The rate you earn from a savings account, money market account, cash account, or money market fund is variable and can change over time. In contrast, CDs and Treasuries allow you to lock in your yield for a set time period.
This Week’s Top Options for Savings, CDs, Brokerages, and Treasuries
For investors looking to earn a competitive return without taking on much risk, today’s top cash options fall into three main categories—each with slightly different trade-offs depending on how long you plan to keep funds parked.
- Bank and credit union products: Savings accounts, money market accounts (MMAs), and certificates of deposit (CDs)
- Brokerage and robo-advisor products: Money market funds and cash management accounts
- U.S. Treasury products: T-bills, notes, and bonds, plus inflation-protected I bonds
You can choose a single option or mix and match based on your goals and timeline. Either way, it helps to know what each option is paying right now. Below, we break down current rates in each category as of Friday’s market close.
Bank and Credit Union Rates
The rates below represent the top nationally available annual percentage yields (APYs) from federally insured banks and credit unions, based on our daily analysis of more than 200 institutions offering accounts nationwide.
Brokerage and Robo-Advisor Cash Rates
The yield on money market funds fluctuates daily, while rates on cash management accounts are more fixed but can be adjusted at any time.
U.S. Treasury Rates
Treasury securities pay interest through maturity and can be purchased from TreasuryDirect or traded on the secondary market through 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.
