Key Takeaways
- For cash you want to keep in savings, you have plenty of high-paying options right now—letting you earn far above 4% returns and even as much as 5%.
- Banks and credit unions offer high-yield savings accounts, money market accounts, and certificates of deposit (CDs)—the best of which pay 4.35% to 5.00% APY today.
- Brokerages and robo-advisors, meanwhile, offer money market funds and cash management accounts, with current rates up to 4.25%.
- You could also choose U.S. Treasury instruments, ranging from 1-month T-bills to 30-year Treasury notes, in addition to inflation-adjusted I bonds. Today’s top Treasury rate is 4.69%.
- To compare current rates on all the options, see our tables below.
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Your Safe, Easy Options for Earning a Top Cash Return
When it comes to earning a solid interest rate on savings, your options come in three main categories:
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