저축, 머니마켓, CD 계좌부터 증권사, 로보어드바이저, 국채 옵션까지,
오늘날 현금을 보관하기에 가장 높은 수익을 제공하는 곳은 바로 이것들입니다.
.webp)
Cash Yields Reach up to 5.00%—For Now
It's always smart to make sure your money is earning all it could, since the right account could add hundreds more to your savings over time. The good news for savers is that today’s options remain strong.
The top high-yield savings accounts still pay up to 5.00% if you meet some requirements, or mid-4% returns for no-strings-attached accounts. Among CDs, the best nationwide rate is 4.40% right now. Brokerages, robo-advisors, and the Treasury also continue to pay attractive rates.
That's despite the Federal Reserve cutting its benchmark interest rate by a quarter point this week, following a similar cut in September—making now an opportune time to put your cash to work while rates are still high.
WHY THIS MATTERS FOR YOU
Even with the Fed trimming rates, you still have plenty of ways to keep cash earning strong returns. Knowing which accounts pay best can help you protect yield while staying liquid.
How Much Can You Earn on $10K, $25K, or $50K?
With a lump-sum savings deposit of $10,000, $25,000, or even $50,000, you can earn hundreds of dollars in interest if you choose one of today’s top rates. Whether you opt for a 3.75% cash management account, a top high-yield savings or money market account paying 5.00%, or something in between, here’s what different balances could earn over the next six months.
| Six Months of Earnings at Various APYs | |||
|---|---|---|---|
| APY | Earnings on $10K for 6 months | Earnings on $25K for 6 months | Earnings on $50K for 6 months |
| 3.75% | $186 | $464 | $929 |
| 4.00% | $198 | $495 | $990 |
| 4.25% | $210 | $526 | $1,051 |
| 4.50% | $223 | $556 | $1,113 |
| 4.75% | $235 | $587 | $1,174 |
| 5.00% | $247 | $617 | $1,235 |
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 investment options fall into three main categories:
- 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.
This Week’s Best Cash Rates, All in One Place
Here's a summary look at all of the cash vehicles above, sorted by today's highest rates. Note that the rates shown are the top qualifying rate for each product type.
댓글 없음:
댓글 쓰기