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Key Takeaways
- The Federal Reserve cut interest rates earlier this month. But so far, yields on several cash options haven’t budged, meaning you can still earn a historically high return.
- Top high-yield savings accounts pay as much as 5.00%, while the best CDs let you lock in rates up to 4.50% APY.
- Brokerage and robo-advisor cash accounts continue to offer attractive yields in the 3% range, while U.S. Treasuries pay up to 4.82% for investors seeking stability.
See Today’s Best Cash Yields—All in One Chart
With the new year soon upon us, many savers are taking a fresh look at where to keep their cash—seeking places that still offer strong returns and stability as yields begin to edge lower.
Fortunately, today’s safest options remain rewarding, with minimal rate movement since the Federal Reserve cut its benchmark rate on Dec. 10. Yields on top savings accounts, CDs, brokerages, and Treasuries still range from lower-3% returns to as much as 5%—despite Fed cuts of 0.75 percentage points over the last three months.
We’ve charted the best-paying options across every major category—all in one place for easy comparison. The top high-yield savings accounts still pay up to 5.00% if you meet certain requirements, or around 4.50% for no-strings-attached accounts. Among CDs, the best nationwide rate is 4.50%, and brokerages, robo-advisors, and Treasuries continue to offer attractive returns in the low-3% to mid-4% range.
These yields make now an appealing time to put idle cash to work while rates remain elevated. Below, we’ll show how much you could earn on different balances and how the top yields stack up by product type.
Why This Matters for You
Safe places for cash always exist—and right now they’re paying well. The right account can help you earn more while keeping your savings secure and your returns predictable.
How Much You Can Earn on $10K—or $5K or $25K
Even if you’re staying cautious with your liquid savings, that 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 will generally drop whenever the Fed cuts rates. In contrast, CDs and Treasuries allow you to lock in your yield for a set time period.
This Week’s Highest-Paying Options for Savings, CDs, Brokerages, and Treasuries
For a low-risk return that’s still rewarding, today’s top cash options fall into three main categories—each with slightly different trade-offs depending on how long you want 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, knowing what each one is currently paying is essential. Below, we break down the top rates in each category as of Friday’s market close and how they’ve changed since last week.
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.
