{
 "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",
 "note": "stateExemptShare is the share of income from U.S. government obligations, from the fund company’s tax notice.",
 "rates": [
  {
   "id": "vusxx",
   "category": "fund",
   "provider": "Vanguard",
   "name": "Treasury money fund (Vanguard)",
   "label": "Treasury money fund (Vanguard, VUSXX)",
   "ticker": "VUSXX",
   "product": "VUSXX, Vanguard Treasury Money Market Fund",
   "accountType": "Money market fund",
   "ratePct": 3.89,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-10-30",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://investor.vanguard.com/investment-products/mutual-funds/profile/vusxx",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 1,
    "federallyExempt": false,
    "taxable": true,
    "isFund": true,
    "meets50": true,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "vmrxx",
   "category": "fund",
   "provider": "Vanguard",
   "name": "Cash Reserves Federal money fund (Vanguard)",
   "label": "Cash Reserves Federal money fund (Vanguard, VMRXX)",
   "ticker": "VMRXX",
   "product": "VMRXX, Vanguard Cash Reserves Federal Money Market Fund (Admiral)",
   "accountType": "Money market fund",
   "ratePct": 3.89,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-10-30",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://investor.vanguard.com/investment-products/mutual-funds/profile/vmrxx",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 0.6958,
    "federallyExempt": false,
    "taxable": true,
    "isFund": true,
    "meets50": true,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "treasury-fund",
   "category": "fund",
   "provider": "Fidelity",
   "name": "Treasury-only money fund (Fidelity, via Merrill)",
   "label": "Treasury-only money fund (Fidelity, via Merrill, FSIXX)",
   "ticker": "FSIXX",
   "product": "FSIXX, Fidelity Treasury Only Portfolio, on Merrill",
   "accountType": "Money market fund",
   "ratePct": 3.84,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-10-30",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/iccratesheet.pdf",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 0.9959,
    "federallyExempt": false,
    "taxable": true,
    "isFund": true,
    "meets50": true,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "prime-fund",
   "category": "fund",
   "provider": "Schwab",
   "name": "Prime money fund",
   "label": "Schwab prime money fund (SWVXX)",
   "ticker": "SWVXX",
   "product": "SWVXX, Schwab Prime Advantage Money Fund",
   "accountType": "Money market fund",
   "ratePct": 3.77,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-10-30",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://www.schwabassetmanagement.com/products/money-fund-yields",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": false,
    "taxable": true,
    "isFund": true,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "sprxx",
   "category": "fund",
   "provider": "Fidelity",
   "name": "Money Market Fund (Fidelity, prime)",
   "label": "Money Market Fund (Fidelity, prime, SPRXX)",
   "ticker": "SPRXX",
   "product": "SPRXX, Fidelity Money Market Fund",
   "accountType": "Money market fund",
   "ratePct": 3.65,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-11-01",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://fundresearch.fidelity.com/mutual-funds/summary/31617H201",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 0.1456,
    "federallyExempt": false,
    "taxable": true,
    "isFund": true,
    "meets50": false,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "fdrxx",
   "category": "fund",
   "provider": "Fidelity",
   "name": "Government Cash Reserves (Fidelity)",
   "label": "Government Cash Reserves (Fidelity, FDRXX)",
   "ticker": "FDRXX",
   "product": "FDRXX, Fidelity Government Cash Reserves",
   "accountType": "Money market fund",
   "ratePct": 3.64,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-11-01",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://fundresearch.fidelity.com/mutual-funds/summary/316067107",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 0.5217,
    "federallyExempt": false,
    "taxable": true,
    "isFund": true,
    "meets50": false,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "snsxx",
   "category": "fund",
   "provider": "Schwab",
   "name": "U.S. Treasury money fund (Schwab)",
   "label": "U.S. Treasury money fund (Schwab, SNSXX)",
   "ticker": "SNSXX",
   "product": "SNSXX, Schwab U.S. Treasury Money Fund",
   "accountType": "Money market fund",
   "ratePct": 3.62,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-11-02",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://www.schwabassetmanagement.com/products/SNSXX",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 0.9999,
    "federallyExempt": false,
    "taxable": true,
    "isFund": true,
    "meets50": true,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "snvxx",
   "category": "fund",
   "provider": "Schwab",
   "name": "Government money fund (Schwab)",
   "label": "Government money fund (Schwab, SNVXX)",
   "ticker": "SNVXX",
   "product": "SNVXX, Schwab Government Money Fund",
   "accountType": "Money market fund",
   "ratePct": 3.62,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-10-30",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://www.schwabassetmanagement.com/products/money-fund-yields",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 0.362,
    "federallyExempt": false,
    "taxable": true,
    "isFund": true,
    "meets50": false,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "fdlxx",
   "category": "fund",
   "provider": "Fidelity",
   "name": "Treasury-only money fund (Fidelity)",
   "label": "Treasury-only money fund (Fidelity, FDLXX)",
   "ticker": "FDLXX",
   "product": "FDLXX, Fidelity Treasury Only Money Market Fund",
   "accountType": "Money market fund",
   "ratePct": 3.61,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-10-30",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://institutional.fidelity.com/app/fund/popup/item/print/FIIS_FS_656.pdf",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 0.9867,
    "federallyExempt": false,
    "taxable": true,
    "isFund": true,
    "meets50": true,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "snoxx",
   "category": "fund",
   "provider": "Schwab",
   "name": "Treasury Obligations money fund (Schwab)",
   "label": "Treasury Obligations money fund (Schwab, SNOXX)",
   "ticker": "SNOXX",
   "product": "SNOXX, Schwab Treasury Obligations Money Fund",
   "accountType": "Money market fund",
   "ratePct": 3.6,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-10-30",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://www.schwabassetmanagement.com/products/money-fund-yields",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 0.313,
    "federallyExempt": false,
    "taxable": true,
    "isFund": true,
    "meets50": false,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "fzfxx",
   "category": "fund",
   "provider": "Fidelity",
   "name": "Treasury money fund (Fidelity)",
   "label": "Treasury money fund (Fidelity, FZFXX)",
   "ticker": "FZFXX",
   "product": "FZFXX, Fidelity Treasury Money Market Fund",
   "accountType": "Money market fund",
   "ratePct": 3.55,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-11-01",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://fundresearch.fidelity.com/mutual-funds/summary/316341304",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 0.6152,
    "federallyExempt": false,
    "taxable": true,
    "isFund": true,
    "meets50": false,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "swtxx",
   "category": "fund",
   "provider": "Schwab",
   "name": "Municipal money fund (Schwab)",
   "label": "Municipal money fund (Schwab, SWTXX)",
   "ticker": "SWTXX",
   "product": "SWTXX, Schwab Municipal Money Fund",
   "accountType": "Money market fund",
   "ratePct": 2.17,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-10-30",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://www.schwabassetmanagement.com/products/money-fund-yields",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": true,
    "taxable": true,
    "isFund": true,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "muni-fund-2",
   "category": "fund",
   "provider": "BlackRock",
   "name": "Municipal money fund (national)",
   "label": "BlackRock municipal money fund (national, MCSXX)",
   "ticker": "MCSXX",
   "product": "MCSXX, BlackRock Liquidity Funds MuniCash, on Merrill",
   "accountType": "Money market fund",
   "ratePct": 2.12,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-10-30",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/iccratesheet.pdf",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": true,
    "taxable": true,
    "isFund": true,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  },
  {
   "id": "muni-fund",
   "category": "fund",
   "provider": "Federated Hermes",
   "name": "Municipal money fund (not your state's)",
   "label": "Federated Hermes municipal money fund (not your state's, FFTXX)",
   "ticker": "FFTXX",
   "product": "FFTXX, Federated Hermes Institutional Tax-Free Cash Trust, on Merrill",
   "accountType": "Money market fund",
   "ratePct": 2.02,
   "rateNote": "7-day yield",
   "verifiedOn": "2026-10-30",
   "rateAsOf": null,
   "estimated": false,
   "sourceUrl": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/iccratesheet.pdf",
   "citeUrl": "https://www.movablecapital.com/money-market-fund-rates",
   "access": "Next business day",
   "accessDays": 1,
   "protection": "Money market fund, not FDIC-insured",
   "conditions": "Bought manually in your brokerage account",
   "tax": {
    "stateExemptShare": 0,
    "federallyExempt": true,
    "taxable": true,
    "isFund": true,
    "meets50": null,
    "taxAs": "ordinary"
   },
   "limits": {
    "maxBalance": null,
    "maxBalanceNote": null,
    "firstDollarsUnpaid": 0,
    "annualFee": 0
   }
  }
 ]
}