Do you have $ 10,000, $ 30,000 or $ 50,000 in cash? Here he can earn the most now

Six months of earnings in various APS
Apa	Earnings at USD 10,000 for 6 months	Earnings at 30,000 USD in 6 months	Earnings at 50,000 USD in 6 months
4.00%	USD 198	USD 594	USD 990
4.25%	USD 210	USD 631	USD 1 051
4.50%	USD 223	USD 668	USD 1113
4.75%	USD 235	USD 704	USD 1174
5.00%	USD 247	USD 741	USD 1,235

This week, the best paid savings options, CDs and Treasuries

In the event of a low -risk return, which is still satisfactory, today’s best cash investment options are divided into three main categories:

1. Bank and credit products: Savings accounts, Money market accounts (MMA)AND Deposit certificates (CDS)
2. Brokerage and workers’ products: Money market funds and cash management accounts
3. US tax products: T-TorówNotes and bonds, as well as bonds and protected inflation

You can choose one option or mix and adjust based on your goals and schedule. Either way, it is important to know what each of them is currently paying. Below we spread the highest rates in each category in relation to the Friday market, as they have changed since last week.

Bank and credit rates

The following rates represent the best in the country in the country Annual percentage yields (APS) From federal and credit funds insured, based on our daily analysis of over 200 institutions offering products throughout the country.

Cash rates in brokerage and workers

The maintenance of funds on the money market changes every day, while the rates on cash management accounts are more fixed, but they can be adapted at any time.

Treasury rates

Treasury securities pay interest through maturity And it can be purchased from Treasurydirect or traded on the secondary market through a bank or brokerage. Bonds and should be bought from Treasurydirect and you can take place for up to 30 years, and the rates are adapted every six months.

The best cash rates this week, all in one place

Here is a summary of all the above cash vehicles sorted at the highest rates. It should be remembered that the rates shown are the highest qualifying rate for each product type.

How to choose the best place for cash

Bank and credit products

Savings accounts

The most basic place for storing cash is a bank or credit savings account – sometimes called High -performance savings account– It allows you to add and withdraw money as you like. But do not assume that your main bank pays a competitive rate. Some banks pay virtually zero interest.

Fortunately, our daily ranking of the best savings accounts gives 18 options Pay 4.30% to 5.00% APY. However, it should be remembered that the rates of savings accounts may change at any time.

Money market accounts

AND Money market account This is a savings account that allows you to write paper checks. If this is a useful function for you, compare Best Money Conta.

If you don’t need paper, choose any type of account or savings-there is a better rate. Today Account rate on the highest money market is 5.00%-those that match the best high-performance savings indicator. But again the rates of the money market are variable, as well as savings accounts – which means that they can be reduced at any time.

Deposit certificates

AND Deposit certificate (CD) It is a bank or credit product with a fixed interest rate that promises a guaranteed return for a specific period. Basically, from 3 months to 5 years, CDS offers a predictable return with a rate that cannot be changed for the duration of this period.

But remember that this is a commitment with your teeth: if you earn before maturity, your earnings will be served Early withdrawal of penalties. Our daily ranking of the best domestic CDs currently includes 12 options paying at least 4.50% – Z The highest rate of 4.60% APA.

Brokerage and workers’ products

Money market funds

Unlike the money market account at the bank, money market funds are investment funds invested in cash and offered by mediation AND Worker companies. Their yields can change every day, but currently they range from 3.96% to 4.22% with the three largest brokerage.

Cash management accounts

For uninvebleled cash taking place in mediation Or WorkerYou can have funds to the cash management account in which they will earn a refund. Unlike funds on the money market, cash management accounts offer a specific interest rate, which the brokerageer or robo-manager can adapt as soon as you like it. Currently, several popular brokers pay 3.83% to 4.00% APY on their cash accounts.

US tax products

Treasury accounts, notes and bonds

. Treasure of the US It offers a wide range of short -term and long -term bond instruments. Treasury accounts have the shortest duration, from 4 to 52 weeks, while tax notes have maturity from 2 to 5 years. The longest option is the treasury bond, which has 20- or 30 years of maturity. Today’s rates in various treasury products range from 3.84% to 5.00%.

You can Buy Towiny, Notes and Bonds straight from Tax Or buy them on the secondary market in brokerage and banks. The sale of the tax product allows you to leave before maturation of the bonds. However, you can pay a fee or commission for purchases and sales on the secondary market, while buying and redemption in the tax original – the US Treasury internet platform for buying securities of the federal government – there are no fees.

You can also buy ETF of the Treasury that trade on the market like shares. Treasury ETFs have the advantages and restrictions you have He can read here.

And bindings

Treasure of the US And bindings have a stake that is adapted every six months to adapt to inflation trends. You can mention the bond and at any time after a year or keep it for 30 years. While you are the owner of the bond, your rate changes every six months.

Bond indicators increased on May 1, from 3.11% for bonds issued in the last six months to 3.98% for new bonds purchased from May 1 to October 31, 2025. existing And bond holders, your next six-month rate will also increase-a full percentage point. See our history Fr. last rate changeIn this table of rates for different dates of bonds.

How do we find the best savings and CD rates

Every business day, Investopedia tracks data on a rate of over 200 banks and credit funds that offer CDs and savings accounts to customers throughout the country and defines the daily rankings of the best paid accounts. To qualify for our lists, the institution must be insured federally (FDIC for banks, Delay for credit funds), and the minimum initial account deposit may not exceed USD 25,000. It also cannot determine maximum The deposit amount, which is below USD 5,000.

Banks must be available in at least 40 states to qualify as available in the country. And although some credit funds require a donation to a specific charity or association to become a member if you do not meet other eligibility criteria (e.g. you do not live in a specific area or work in a specific type of work), we exclude credit requirements whose donation requirement is USD 40 or more. More information on how we choose the best rates, Read our full methodology.