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Key Takeaways
- Many safe cash options are still delivering competitive yields in the 3–5% range if you know where to look.
- The best savings accounts, CDs, brokerage options, and Treasuries continue to offer solid returns without taking on market risk.
- Choosing the right account can make a meaningful difference in what your cash earns—whether you’re saving $10K or much more.
See Where Cash Is Paying the Most Right Now—All in One Chart
With rates gradually drifting lower, many savers are rethinking where to keep their cash. The good news is that today’s safest places to park money are still offering competitive yields—often well above what most people expect.
Across savings accounts, CDs, brokerage cash options, and U.S. Treasuries, yields have held up better than anticipated. While returns vary by product and provider, today’s top options still span roughly the low-3% range to around 5%, making it possible to earn a meaningful return without taking on 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 $5,000 or $25,000 would earn.
| Six Months of Earnings at Various APYs | |||
|---|---|---|---|
| APY | Earnings on $5K for 6 months | Earnings on $10K for 6 months | Earnings on $25K for 6 months |
| 3.50% | $87 | $173 | $434 |
| 3.75% | $93 | $186 | $464 |
| 4.00% | $99 | $198 | $495 |
| 4.25% | $105 | $210 | $526 |
| 4.50% | $111 | $223 | $556 |
| 4.75% | $117 | $235 | $587 |
| 5.00% | $123 | $247 | $617 |
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 products 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.
