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Updated November 6, 2026

Cash rate facts

As of Nov 6, 2026, the 3-month U.S. Treasury bill yields 4.19% (Treasury daily par yield curve, Nov 6, 2026). Below, every rate we track as one sentence, with the date it was read from the provider’s own page. Quote freely with credit.

Default brokerage cash (sweep) rates

  • The default cash (sweep) rate for Merrill Edge, self-directed brokerage is 0.01% (under $1M; 0.05% from $1M), verified Nov 2, 2026 on the provider’s own page.
  • The default cash (sweep) rate for Merrill advisory accounts is 3.35% (eligible investment advisory accounts), verified Nov 2, 2026 on the provider’s own page.
  • The default cash (sweep) rate for Merrill IRA is 0.01% (under $1M), verified Nov 2, 2026 on the provider’s own page.
  • The default cash (sweep) rate for Charles Schwab, self-directed brokerage is 0.01% (all balances), verified Nov 2, 2026 on the provider’s own page.
  • The default cash (sweep) rate for E*TRADE (Morgan Stanley), self-directed brokerage is 0.01% (under $500k; 0.05% to $1M), verified Nov 2, 2026 on the provider’s own page.
  • The default cash (sweep) rate for Fidelity brokerage (SPAXX core), self-directed brokerage is 3.56%, verified Nov 1, 2026 on the provider’s own page.
  • The default cash (sweep) rate for Vanguard brokerage, self-directed brokerage is 3.88% (7-day SEC yield), verified Oct 30, 2026 on the provider’s own page.
  • The default cash (sweep) rate for Interactive Brokers (IBKR Pro), self-directed brokerage is 3.38% (on USD balances above $10,000; first $10,000 earns nothing), verified Nov 2, 2026 on the provider’s own page.
  • The default cash (sweep) rate for Robinhood with Gold, self-directed brokerage is 3.60% (requires Robinhood Gold ($5 a month)), verified Nov 2, 2026 on the provider’s own page.
  • The default cash (sweep) rate for Wells Fargo Advisors, advisor-led brokerage is 0.02% (household assets under $1M), verified Nov 2, 2026 on the provider’s own page.
  • The default cash (sweep) rate for Ameriprise, advisor-led brokerage is 0.03% (under $250,000; 1.01% APY from $1M), verified Nov 2, 2026 on the provider’s own page.

Money market fund rates

  • The 7-day yield of Treasury-only money fund (Fidelity, via Merrill, FSIXX) is 3.84%, verified Oct 30, 2026 on the provider’s own page.
  • The 7-day yield of Schwab prime money fund (SWVXX) is 3.77%, verified Oct 30, 2026 on the provider’s own page.
  • The 7-day yield of Federated Hermes municipal money fund (not your state's, FFTXX) is 2.02%, verified Oct 30, 2026 on the provider’s own page.
  • The 7-day yield of BlackRock municipal money fund (national, MCSXX) is 2.12%, verified Oct 30, 2026 on the provider’s own page.
  • The 7-day yield of Treasury money fund (Vanguard, VUSXX) is 3.89%, verified Oct 30, 2026 on the provider’s own page.
  • The 7-day yield of Treasury-only money fund (Fidelity, FDLXX) is 3.61%, verified Oct 30, 2026 on the provider’s own page.
  • The 7-day yield of U.S. Treasury money fund (Schwab, SNSXX) is 3.62%, verified Nov 2, 2026 on the provider’s own page.
  • The 7-day yield of Treasury Obligations money fund (Schwab, SNOXX) is 3.60%, verified Oct 30, 2026 on the provider’s own page.
  • The 7-day yield of Government money fund (Schwab, SNVXX) is 3.62%, verified Oct 30, 2026 on the provider’s own page.
  • The 7-day yield of Municipal money fund (Schwab, SWTXX) is 2.17%, verified Oct 30, 2026 on the provider’s own page.
  • The 7-day yield of Cash Reserves Federal money fund (Vanguard, VMRXX) is 3.89%, verified Oct 30, 2026 on the provider’s own page.
  • The 7-day yield of Treasury money fund (Fidelity, FZFXX) is 3.55%, verified Nov 1, 2026 on the provider’s own page.
  • The 7-day yield of Government Cash Reserves (Fidelity, FDRXX) is 3.64%, verified Nov 1, 2026 on the provider’s own page.
  • The 7-day yield of Money Market Fund (Fidelity, prime, SPRXX) is 3.65%, verified Nov 1, 2026 on the provider’s own page.

Savings account rates

  • Wealthfront Cash Account pays 3.55% (base rate; promo: New clients get +0.65% for 3 months on up to $150,000), verified Nov 2, 2026 (rate dated Oct 1, 2026) on the provider’s own page.
  • SoFi Savings pays 3.30% (base rate; promo: Up to 4.40% with direct deposit or qualifying deposits), verified Nov 2, 2026 (rate dated Oct 20, 2026) on the provider’s own page.
  • Ally Online Savings pays 3.20% (base rate, no conditions), verified Nov 2, 2026 (rate dated Oct 30, 2026) on the provider’s own page.
  • Betterment Cash Reserve pays 3.50% (base rate; promo: New clients with a qualifying deposit get +0.75% on balances up to $1M through Feb 15, 2027), verified Nov 2, 2026 (rate dated Sep 21, 2026) on the provider’s own page.
  • X Money pays 4.00% (base rate; promo: 6.00% on the first $150,000 with $1,000+ in direct deposits every 34 days, or with X Premium+), verified Nov 2, 2026 (rate dated Oct 12, 2026) on the provider’s own page.
  • EverBank Performance Savings pays 4.20% (base rate, no conditions), verified Nov 2, 2026 on the provider’s own page.
  • Openbank High Yield Savings pays 4.00% (base rate; promo: New customers get +0.35% for 6 months), verified Nov 2, 2026 (rate dated Oct 20, 2026) on the provider’s own page.
  • Axos Summit Savings pays 3.75% (base rate; promo: New customers get +0.26% for 6 statement cycles with code SUM26 (opened by Dec 1, 2026)), verified Nov 2, 2026 on the provider’s own page.
  • Pibank Savings pays 4.40% (base rate, no conditions), verified Nov 5, 2026 (rate dated Oct 21, 2026) on the provider’s own page.
  • Peak Bank Envision High Yield Savings pays 4.27% (base rate, no conditions), verified Nov 5, 2026 (rate dated Oct 1, 2026) on the provider’s own page.
  • ZYNLO Tomorrow Savings pays 4.10% (base rate, no conditions), verified Nov 5, 2026 (rate dated Oct 27, 2026) on the provider’s own page.
  • Vio Bank High Yield Online Savings pays 4.01% (base rate, no conditions), verified Nov 5, 2026 (rate dated Oct 23, 2026) on the provider’s own page.
  • Ivy Bank High-Yield Savings pays 4.00% (base rate, no conditions), verified Nov 5, 2026 (rate dated Nov 1, 2026) on the provider’s own page.
  • Sallie Mae High-Yield Savings pays 4.00% (base rate, no conditions), verified Nov 5, 2026 on the provider’s own page.
  • TAB Bank High Yield Savings pays 3.95% (base rate, no conditions), verified Nov 5, 2026 on the provider’s own page.
  • Bask Interest Savings pays 3.90% (base rate; promo: Limited-time +0.40% rate boost on a new account (page shows both 4.30% and 4.15% totals)), verified Nov 5, 2026 on the provider’s own page.
  • Forbright Bank Growth Savings pays 3.85% (base rate, no conditions), verified Nov 5, 2026 on the provider’s own page.
  • Western Alliance Bank High-Yield Savings pays 3.80% (base rate, no conditions), verified Nov 5, 2026 (rate dated Jan 8, 2026) on the provider’s own page.
  • CIT Bank Platinum Savings pays 3.75% (base rate; promo: +0.60% for 6 months with promo code BOOST60 (4.35% on $5,000+), through Dec 15, 2026), verified Nov 5, 2026 (rate dated Jul 1, 2026) on the provider’s own page.
  • BrioDirect High-Yield Savings pays 3.75% (base rate, no conditions), verified Nov 5, 2026 on the provider’s own page.
  • Public High-Yield Cash Account pays 3.30% (base rate; promo: 3.75% with a Public Reserve membership ($20 a month)), verified Nov 5, 2026 (rate dated Sep 17, 2026) on the provider’s own page.
  • UFB Portfolio Savings pays 3.26% (base rate; promo: Up to 4.01% for 6 months with code UFB75 (offer ends Dec 1, 2026)), verified Nov 5, 2026 on the provider’s own page.
  • Quontic High Yield Savings pays 3.20% (base rate, no conditions), verified Nov 5, 2026 (rate dated May 14, 2026) on the provider’s own page.

CD rates

  • Quorum Federal Credit Union 6-month CD pays 4.40% (APY, locked for 6 month), verified Nov 2, 2026 (rate dated Oct 19, 2026) on the provider’s own page.
  • Colorado Federal Savings Bank 6-month CD pays 4.15% (APY, locked for 6 month), verified Nov 2, 2026 (rate dated Oct 15, 2026) on the provider’s own page.
  • CFG Bank 1-year CD pays 4.65% (APY, locked for 1 year), verified Nov 2, 2026 (rate dated Oct 27, 2026) on the provider’s own page.
  • Rising Bank 1-year CD pays 4.51% (APY, locked for 1 year), verified Nov 2, 2026 on the provider’s own page.
  • Marcus by Goldman Sachs 11-month No-Penalty CD pays 4.00% (APY for 11 months; withdraw early without a penalty), verified Oct 27, 2026 on the provider’s own page.
  • Rising Bank 15-month No-Penalty CD pays 3.75% (APY for 15 months; withdraw early without a penalty), verified Nov 2, 2026 on the provider’s own page.

Treasury bill rates

  • 3-month Treasury bill yields 4.19% (par yield, held to maturity), verified Nov 6, 2026 from the U.S. Treasury’s daily par yield curve.
  • 6-month Treasury bill yields 4.23% (par yield, held to maturity), verified Nov 6, 2026 from the U.S. Treasury’s daily par yield curve.
  • 1-year Treasury bill yields 4.33% (par yield, held to maturity), verified Nov 6, 2026 from the U.S. Treasury’s daily par yield curve.

Savings bond rates

  • U.S. Treasury I Bonds pays 5.51% (1.40% fixed for life plus inflation, reset every six months), verified Oct 30, 2026 on the provider’s own page.

Citing this page

Source: Movable Capital (movablecapital.com), rates verified at each provider’s own page on the date shown. Link to movablecapital.com/cash-rate-facts or the page for each rate. Providers never pay Movable Capital. Rates change; confirm with the provider before moving money. Free data API and Claude connector.