Feeling “Cash Is King” Right Now? Here Are the Safe Havens That Pay the Most

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A cash reserve is appealing right now – so be sure to earn a solid return

Given the stock market rollercaster, two weeks before the announcement of President Trump, two weeks before the tariff, it seems wise to strengthen his cash reserves. But whether you are saving in a bank or transferring funds from stock to cash vehicles, it is important to consider how much you can earn from various strategies.

For an attractive interest rate with virtually no risk, safe cash investment options come in three main tastes:

1. Bank and credit union products: Savings Accounts, Money Market Accounts, and Deposit Certificate (CD)
2. Brokerage and Robo-Celebrities Products: Money Market Fund and Cash Management Account
3. US Treasury Products: T-Bill, Notes and Bonds, I Bond

You can match only one or the products for different buckets of the fund and timeline. In any case, you would like to understand what each product pays. Below, we keep today’s top rates in every category, indicating changes a week in advance.

Today’s best rates on cash – April 18, 2025

Right now you can earn the highest rate with the highest produce saving account, with two options 5.00%. But there are some special requirements of two leaders that may not correspond to your needs, with 4.60% “no strings attached” are the top high-up-up savings rate.

Savings and money market account rates can fall at any time, though. To ensure that you acquire today’s rates for months or years in future, consider a CD instead. The top rate is also 4.60%for the terms of 6 to 10 months. Or you can lock in a little less AP that will be guaranteed for a long time.

Brokerage money market funds and cash management accounts were shown very little changes this week, while the rates on the Treasury mostly stability in the short duration, but there was a shortage of some extent between the bonds for a long time.

Bank and credit union rates

The rates below are a national level APYs available from federally insured banks and credit unions, based on daily rates research of more than 200 institutions that offer nationwide products.

Brokerage and Robo-Celebrities Rates

Money market funds are produced daily, while the rates on cash management accounts are more fixed, but can change at any time.

US Treasury Rates

Treasury securities pay their rates through maturation and can be purchased directly from TreasuryDirect, or purchased and sold on the secondary market via bank or brokerage. I should be purchased from Treasherdirect and can be held up to 30 years, in which rates are adjusted every six months.

Summary Table: All cash options at the rate

There is a different look at all the cash vehicles given above, which is sorted at the rate. Note that the rates shown are the highest qualification rates for each product type.

Understand your different cash options

Bank and credit union products

Savings account

The most basic place to stand the cash is a bank or credit union savings account-sometimes called a high-up-up savings account-which allows you to add and withdraw. But do not assume that your primary bank pays a competitive rate. Some banks virtually pay zero interest.

Fortunately, we make shopping easier for a higher rate. Our daily ranking of the best high-upper savings accounts gives you 15 options that pay 4.40% to 5.00% APY. Note, however, savings account rates can change at any time.

Money market accounts

A money market account is a savings account that lets you write paper checks. If this is a useful feature for you, then shop for our list of best money market accounts.

If you do not need paper check-lighting, whatever account type-money market or savings increases the rate. The top money market account rate is currently 4.40% APY. Again, keep in mind that money market rates are variable, so they can be reduced without warning.

Deposit certificate

Certificate of deposit (CD) is a bank or credit union product with a fixed interest rate that promises guaranteed returns for a fixed period of time. Typically from 3 months to 5 years, CDs provide a predicted return with a rate that cannot be changed for the term period.

But keep in mind that this is a commitment with teeth: If you cache before maturity, your earnings will be ding with an initial return punishment. Our daily rankings of the best nationwide CDs currently include options to pay up to 4.60%.

Brokerage and Robo-Celebrities Products

Money market fund

A bank, unlike money market account in money market Fund Are mutual funds invested in cash and are introduced by brokerage and robo-commentary firms. Their yield can uplift daily but currently ranges from 3.97% to 4.22% in the three largest brokerage.

Cash management account

For uninvited cash-called cash held in a brokerage or robo-recommendation, you can “flow” to a cash management account, where it will earn returns. Unlike money market funds, cash management accounts offer a specific interest rate that brokerage or robo-recommendations can adjust whenever you want. Currently, many popular brokers are paying 3.83% to 4.00% APYs on their cash accounts.

US Treasury Products

Treasury Bills, Notes and Bonds

The US Treasury offers a wide array of short and long -term bond devices. Treasury bills are the shortest period, which ranges from 4 to 52 weeks, while the maturity of treasury notes is 2 to 5 years. The longest option is a treasury bond, with 20– to 30 years of maturity. Today’s rates on various treasury products range from 3.81% to 4.82%.

You can buy T-Bills, Notes and Bonds directly from Treasherdirect or buy and sell them on brokerage and secondary market in banks. By selling treasury products you can exit before bonding bonds. However, you can pay a fee or commission for secondary market procurement and sale during purchases and redeeming on TreasuryDirect – the US Treasury platform is not a fee – no fee to purchase federal government securities.

You can also buy Treasury ETF, which trade on the market like stock. Treasury ETF has advantages and limits, about which you can read here.

I bondage

The US Treasury I Bonds has a rate that is adjusted every six months to align with inflation trends. You can redeem I bond anytime after a year or hold it for a long time for 30 years. Every six months you own the bond, your rate will change.

How do we find the best savings and CD rates

Each Vocational Day, Investopedia tracks the rate data of more than 200 banks and credit unions that offer CDs and savings accounts to nationwide customers and determine the daily rankings of top-paying accounts. To qualify for our lists, the institution must be federally insured (FDIC for banks, NCUA for credit unions), and the minimum initial deposit of the account should not exceed $ 25,000. It can’t even specify Maximum The deposit amount which is below $ 5,000.

To be available at the national level, banks must be available in at least 40 states. And while some credit unions need you to donate to a specific charity or association, if you do not meet other eligibility criteria (for example, you do not live in a certain area or do not work in a certain type of job), we exclude credit unions whose donations are required $ 40 or more. For more information about how we choose the best rates, read our entire functioning.