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📂 Category: Personal Finance News,News
✅ Here’s what you’ll learn:
Key takeaways
- After another week of declines for stocks, savers are relying on safer places to get cash. High-yield savings and money market accounts still pay up to 5.00%, while the best CD pays 4.50%.
- Brokerage and robo-advisor cash accounts continue to offer attractive returns in the mid-to-higher 3% range, while U.S. Treasuries pay up to 4.71% for investors seeking stability.
- See today’s best safe haven rates – all in one chart – to find a safe place for your money as markets fluctuate and savers focus on steady returns.
See today’s best cash returns – all in one chart
With markets unstable again this week and stocks struggling to find direction, many savers are turning to safety – looking for places where their money can still deliver a solid return, but without the market risk.
Fortunately, today’s safer options remain rewarding. Yields on savings accounts, CDs, brokerages and Treasuries remain near their highest levels in years, even after the Federal Reserve cut its benchmark interest rate by half a point this fall.
We’ve charted the top-paying options across each major category — all in one place for easy comparison. High-yield savings accounts still pay up to 5.00% if you meet certain requirements, or about 4.5% for accounts without any restrictions. Among CDs, the best rate nationwide is 4.50%, and brokerages, robo-advisors and Treasuries continue to offer attractive yields in the mid-3% to mid-4% range.
These returns make now an attractive time to put idle money to work while prices remain high. Below we’ll show how much you can earn from different credits and how to group the highest payouts by product type.
Why is this important to you?
There are always safe places to get cash, and now they pay well. The right account can help you earn more while keeping your savings safe and your returns predictable.
How much can you earn on $5,000, $10,000, or $25,000?
Even if you are cautious amid market volatility, keeping your money aside does not mean it has to remain idle. The right calculation can still turn short-term safety into meaningful profits.
By depositing a total of $5,000, $10,000, or even $25,000, you can earn hundreds of dollars in interest if you choose one of today’s best rates. Whether you choose a cash management account with 3.50% interest, a high-yield savings account, a money market account that pays 5.00% interest, or anything in between, here’s what different balances could earn you over the next six months.
| Six months of earnings at various APYs | |||
|---|---|---|---|
| my dad | He earned $5,000 for 6 months | He earned $10,000 in 6 months | He earned $25,000 in 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 will generally decrease when the Federal Reserve lowers interest rates. In contrast, CDs and Treasuries Allow you to secure your return For a specified period of time.
This week’s top-paying options are for savings, CDs, brokerages and Treasuries
For a low-risk return that’s still rewarding, today’s best in-the-money options are divided into three main categories — each with slightly different trade-offs depending on how long you want to keep the money.
- Bank and credit union products: Savings accounts, money market accounts (MMA), and certificates of deposit (CDs)
- Brokerage and robo-advisor products: Money market funds and cash management accounts
- US Treasury Products: Treasury bills, securities and bonds, in addition to inflation-protected I-bonds
You can choose one option or mix and match based on your goals and schedule. Either way, knowing what each individual is currently paying is essential. Below, we break down the top rates in each category as of market close on Friday and how they’ve changed since last week.
Bank and credit union rates
The rates below represent the highest 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.
Cash Brokerage Rates and Robo-Advisor
The yield on money market funds fluctuates daily, while interest rates on cash management accounts are more fixed but can be adjusted at any time.
US Treasury bond prices
Treasury securities pay interest until maturity and can be purchased from TreasuryDirect or traded on the secondary market through a bank or brokerage. Bonds must be purchased from TreasuryDirect and can be held for up to 30 years, with rates adjusting every six months.
How to Find the Best Savings and CD Rates
Every working day, Investopedia It tracks rate data for more than 200 banks and credit unions that offer CDs and savings accounts to customers across the country and determines daily rankings of the highest-paying accounts. To qualify for our lists, the institution must be federally insured (FDIC for banks, NCUA for credit unions), and the minimum initial account deposit must not exceed $25,000. It is also not possible to determine A maximum The deposit amount is less than $5,000.
Banks must be available in at least 40 states to be eligible to be available nationwide. While some credit unions require you to donate to a specific charity or association to become a member if you do not meet other eligibility criteria (for example, if you do not live in a certain area or work a certain type of job), we exclude credit unions with donation requirements of $40 or more. To learn more about how to choose the best rates, read our full methodology.
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