{
 "api": "v1",
 "updated": "2026-11-06",
 "attribution": "Source: Movable Capital (movablecapital.com), rates verified at each provider’s own page on the date shown.",
 "license": {
  "name": "CC BY 4.0",
  "url": "https://creativecommons.org/licenses/by/4.0/"
 },
 "docs": "https://www.movablecapital.com/developers",
 "facts": [
  {
   "id": "merrill",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/sweep-rates/merrill",
   "category": "sweep"
  },
  {
   "id": "merrill-advisory",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/sweep-rates/merrill-advisory",
   "category": "sweep"
  },
  {
   "id": "merrill-ira",
   "text": "The default cash (sweep) rate for Merrill IRA is 0.01% (under $1M), verified Nov 2, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/sweep-rates/merrill-ira",
   "category": "sweep"
  },
  {
   "id": "schwab",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/sweep-rates/schwab",
   "category": "sweep"
  },
  {
   "id": "etrade",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/sweep-rates/etrade",
   "category": "sweep"
  },
  {
   "id": "fidelity-spaxx",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/sweep-rates/fidelity-spaxx",
   "category": "sweep"
  },
  {
   "id": "vanguard",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/sweep-rates/vanguard",
   "category": "sweep"
  },
  {
   "id": "ibkr",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/sweep-rates/ibkr",
   "category": "sweep"
  },
  {
   "id": "robinhood-gold",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/sweep-rates/robinhood-gold",
   "category": "sweep"
  },
  {
   "id": "wells",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/sweep-rates/wells",
   "category": "sweep"
  },
  {
   "id": "ameriprise",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/sweep-rates/ameriprise",
   "category": "sweep"
  },
  {
   "id": "wealthfront-cash",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "sofi",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "ally",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "betterment-cash",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "x-money",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "everbank-performance-savings",
   "text": "EverBank Performance Savings pays 4.20% (base rate, no conditions), verified Nov 2, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "openbank-hys",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "axos-summit-savings",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "pibank-savings",
   "text": "Pibank Savings pays 4.40% (base rate, no conditions), verified Nov 5, 2026 (rate dated Oct 21, 2026) on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "peak-bank-envision",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "zynlo-tomorrow-savings",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "vio-online-savings",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "ivy-bank-hys",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "sallie-mae-hys",
   "text": "Sallie Mae High-Yield Savings pays 4.00% (base rate, no conditions), verified Nov 5, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "tab-bank-hys",
   "text": "TAB Bank High Yield Savings pays 3.95% (base rate, no conditions), verified Nov 5, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "bask-interest-savings",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "popular-direct-exclusive-savings",
   "text": "Popular Direct Exclusive Savings pays 3.90% (base rate, no conditions), verified Nov 5, 2026 (rate dated Oct 26, 2026) on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "forbright-growth-savings",
   "text": "Forbright Bank Growth Savings pays 3.85% (base rate, no conditions), verified Nov 5, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "western-alliance-hys",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "cit-platinum-savings",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "briodirect-hys",
   "text": "BrioDirect High-Yield Savings pays 3.75% (base rate, no conditions), verified Nov 5, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "public-hyca",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "ufb-portfolio-savings",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "quontic-hys",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/savings-rates",
   "category": "savings"
  },
  {
   "id": "treasury-fund",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "prime-fund",
   "text": "The 7-day yield of Schwab prime money fund (SWVXX) is 3.77%, verified Oct 30, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "muni-fund",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "muni-fund-2",
   "text": "The 7-day yield of BlackRock municipal money fund (national, MCSXX) is 2.12%, verified Oct 30, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "vusxx",
   "text": "The 7-day yield of Treasury money fund (Vanguard, VUSXX) is 3.89%, verified Oct 30, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "fdlxx",
   "text": "The 7-day yield of Treasury-only money fund (Fidelity, FDLXX) is 3.61%, verified Oct 30, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "snsxx",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "snoxx",
   "text": "The 7-day yield of Treasury Obligations money fund (Schwab, SNOXX) is 3.60%, verified Oct 30, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "snvxx",
   "text": "The 7-day yield of Government money fund (Schwab, SNVXX) is 3.62%, verified Oct 30, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "swtxx",
   "text": "The 7-day yield of Municipal money fund (Schwab, SWTXX) is 2.17%, verified Oct 30, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "vmrxx",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "fzfxx",
   "text": "The 7-day yield of Treasury money fund (Fidelity, FZFXX) is 3.55%, verified Nov 1, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "fdrxx",
   "text": "The 7-day yield of Government Cash Reserves (Fidelity, FDRXX) is 3.64%, verified Nov 1, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "sprxx",
   "text": "The 7-day yield of Money Market Fund (Fidelity, prime, SPRXX) is 3.65%, verified Nov 1, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/money-market-fund-rates",
   "category": "fund"
  },
  {
   "id": "quorum-fcu-6m",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/cd-rates",
   "category": "cd"
  },
  {
   "id": "popular-direct-6m",
   "text": "Popular Direct 6-month CD pays 4.35% (APY, locked for 6 month), verified Nov 2, 2026 (rate dated Oct 26, 2026) on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/cd-rates",
   "category": "cd"
  },
  {
   "id": "colorado-federal-6m",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/cd-rates",
   "category": "cd"
  },
  {
   "id": "cfg-bank-12m",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/cd-rates",
   "category": "cd"
  },
  {
   "id": "popular-direct-12m",
   "text": "Popular Direct 1-year CD pays 4.60% (APY, locked for 1 year), verified Nov 2, 2026 (rate dated Oct 26, 2026) on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/cd-rates",
   "category": "cd"
  },
  {
   "id": "rising-bank-12m",
   "text": "Rising Bank 1-year CD pays 4.51% (APY, locked for 1 year), verified Nov 2, 2026 on the provider’s own page. Source: Movable Capital, https://www.movablecapital.com/cd-rates",
   "category": "cd"
  },
  {
   "id": "marcus-cd-np11",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/cd-rates",
   "category": "cd"
  },
  {
   "id": "rising-bank-np15",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/cd-rates",
   "category": "cd"
  },
  {
   "id": "tbill-3mo",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/how-to-buy-treasury-bills",
   "category": "treasury"
  },
  {
   "id": "tbill-6mo",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/how-to-buy-treasury-bills",
   "category": "treasury"
  },
  {
   "id": "tbill-1yr",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/how-to-buy-treasury-bills",
   "category": "treasury"
  },
  {
   "id": "ibond",
   "text": "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. Source: Movable Capital, https://www.movablecapital.com/i-bonds",
   "category": "bond"
  }
 ]
}