{ "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", "count": 75, "treasury3mo": { "ratePct": 4.19, "date": "2026-11-06" }, "rates": [ { "id": "merrill", "category": "sweep", "provider": "Merrill", "name": "Merrill Edge", "label": "Merrill Edge", "ticker": null, "product": "Merrill Lynch Bank Deposit Program", "accountType": "Self-directed brokerage", "ratePct": 0.01, "rateNote": "Under $1M; 0.05% from $1M", "verifiedOn": "2026-11-02", "rateAsOf": null, "estimated": false, "sourceUrl": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/iccratesheet.pdf", "citeUrl": "https://www.movablecapital.com/sweep-rates/merrill", "access": "Same day", "accessDays": 0, "protection": "FDIC-insured at Bank of America (limits apply)", "conditions": "Default for brokerage accounts", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "merrill-advisory", "category": "sweep", "provider": "Merrill", "name": "Merrill advisory accounts", "label": "Merrill advisory accounts", "ticker": null, "product": "Bank Deposit Program, Tier 5", "accountType": "Advisory account", "ratePct": 3.35, "rateNote": "Eligible investment advisory accounts", "verifiedOn": "2026-11-02", "rateAsOf": null, "estimated": false, "sourceUrl": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/iccratesheet.pdf", "citeUrl": "https://www.movablecapital.com/sweep-rates/merrill-advisory", "access": "Same day", "accessDays": 0, "protection": "FDIC-insured at Bank of America (limits apply)", "conditions": "Advisory account with an advisory fee", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "merrill-ira", "category": "sweep", "provider": "Merrill", "name": "Merrill IRA", "label": "Merrill IRA", "ticker": null, "product": "Retirement Asset Savings Program", "accountType": "IRA", "ratePct": 0.01, "rateNote": "Under $1M", "verifiedOn": "2026-11-02", "rateAsOf": null, "estimated": false, "sourceUrl": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/iccratesheet.pdf", "citeUrl": "https://www.movablecapital.com/sweep-rates/merrill-ira", "access": "Same day", "accessDays": 0, "protection": "FDIC-insured at Bank of America (limits apply)", "conditions": "Default for IRAs", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": false, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "schwab", "category": "sweep", "provider": "Schwab", "name": "Charles Schwab", "label": "Charles Schwab", "ticker": null, "product": "Bank Sweep / Schwab One Interest", "accountType": "Self-directed brokerage", "ratePct": 0.01, "rateNote": "All balances", "verifiedOn": "2026-11-02", "rateAsOf": null, "estimated": false, "sourceUrl": "https://www.schwab.com/cash-investments", "citeUrl": "https://www.movablecapital.com/sweep-rates/schwab", "access": "Same day", "accessDays": 0, "protection": "FDIC-insured through program banks (limits apply)", "conditions": "Default for most brokerage accounts", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "etrade", "category": "sweep", "provider": "E*TRADE", "name": "E*TRADE (Morgan Stanley)", "label": "E*TRADE (Morgan Stanley)", "ticker": null, "product": "Bank Deposit Program", "accountType": "Self-directed brokerage", "ratePct": 0.01, "rateNote": "Under $500k; 0.05% to $1M", "verifiedOn": "2026-11-02", "rateAsOf": null, "estimated": false, "sourceUrl": "https://us.etrade.com/l/options-uninvested-cash", "citeUrl": "https://www.movablecapital.com/sweep-rates/etrade", "access": "Same day", "accessDays": 0, "protection": "FDIC-insured through program banks (limits apply)", "conditions": "Default for brokerage accounts", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "fidelity-spaxx", "category": "sweep", "provider": "Fidelity", "name": "Fidelity brokerage (SPAXX core)", "label": "Fidelity brokerage (SPAXX core)", "ticker": null, "product": "SPAXX, Fidelity Government Money Market", "accountType": "Self-directed brokerage", "ratePct": 3.56, "rateNote": "7-day yield", "verifiedOn": "2026-11-01", "rateAsOf": null, "estimated": false, "sourceUrl": "https://fundresearch.fidelity.com/mutual-funds/summary/31617H102", "citeUrl": "https://www.movablecapital.com/sweep-rates/fidelity-spaxx", "access": "Same day", "accessDays": 0, "protection": "Money market fund, not FDIC-insured", "conditions": "Default core position for many new accounts", "tax": { "stateExemptShare": 0.509, "federallyExempt": false, "taxable": true, "isFund": true, "meets50": true, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "fidelity-fdic", "category": "sweep", "provider": "Fidelity", "name": "Fidelity IRA (FDIC sweep option)", "label": "Fidelity IRA (FDIC sweep option)", "ticker": null, "product": "FDIC-Insured Deposit Sweep Program", "accountType": "IRA", "ratePct": 1.96, "rateNote": "All balances, if chosen as the core position", "verifiedOn": "2026-10-22", "rateAsOf": null, "estimated": true, "sourceUrl": "https://digital.fidelity.com/prgw/digital/fdic-interest-rate/ira", "citeUrl": "https://www.movablecapital.com/sweep-rates/fidelity-fdic", "access": "Same day", "accessDays": 0, "protection": "FDIC-insured through program banks (limits apply)", "conditions": "Optional core position in IRAs", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": false, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "vanguard", "category": "sweep", "provider": "Vanguard", "name": "Vanguard brokerage", "label": "Vanguard brokerage", "ticker": null, "product": "VMFXX, Vanguard Federal Money Market (settlement fund)", "accountType": "Self-directed brokerage", "ratePct": 3.88, "rateNote": "7-day SEC yield", "verifiedOn": "2026-10-30", "rateAsOf": null, "estimated": false, "sourceUrl": "https://investor.vanguard.com/investment-products/mutual-funds/profile/vmfxx", "citeUrl": "https://www.movablecapital.com/sweep-rates/vanguard", "access": "Same day", "accessDays": 0, "protection": "Money market fund, not FDIC-insured", "conditions": "Settlement fund for brokerage accounts", "tax": { "stateExemptShare": 0.6661, "federallyExempt": false, "taxable": true, "isFund": true, "meets50": true, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "ibkr", "category": "sweep", "provider": "Interactive Brokers", "name": "Interactive Brokers (IBKR Pro)", "label": "Interactive Brokers (IBKR Pro)", "ticker": null, "product": "Interest on USD cash balances", "accountType": "Self-directed brokerage", "ratePct": 3.38, "rateNote": "On USD balances above $10,000; first $10,000 earns nothing", "verifiedOn": "2026-11-02", "rateAsOf": null, "estimated": false, "sourceUrl": "https://www.interactivebrokers.com/en/accounts/fees/pricing-interest-rates.php", "citeUrl": "https://www.movablecapital.com/sweep-rates/ibkr", "access": "Same day", "accessDays": 0, "protection": "Broker-held cash; check IBKR's bank sweep option for FDIC coverage", "conditions": "Full rate needs account value over $100,000; smaller accounts earn a proportional rate", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 10000, "annualFee": 0 } }, { "id": "robinhood-gold", "category": "sweep", "provider": "Robinhood", "name": "Robinhood with Gold", "label": "Robinhood with Gold", "ticker": null, "product": "High-Yield Cash Program", "accountType": "Self-directed brokerage", "ratePct": 3.6, "rateNote": "Requires Robinhood Gold ($5 a month)", "verifiedOn": "2026-11-02", "rateAsOf": null, "estimated": false, "sourceUrl": "https://robinhood.com/us/en/support/articles/cash-sweep-program-interest-rate/", "citeUrl": "https://www.movablecapital.com/sweep-rates/robinhood-gold", "access": "Same day", "accessDays": 0, "protection": "Over $10,000 swept to FDIC-insured program banks; first $10,000 held as broker cash", "conditions": "Gold subscription, $5 a month", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 60 } }, { "id": "wells", "category": "sweep", "provider": "Wells Fargo", "name": "Wells Fargo Advisors", "label": "Wells Fargo Advisors", "ticker": null, "product": "Bank Deposit Sweep", "accountType": "Advisor-led brokerage", "ratePct": 0.02, "rateNote": "Household assets under $1M", "verifiedOn": "2026-11-02", "rateAsOf": null, "estimated": false, "sourceUrl": "https://www.wellsfargoadvisors.com/financial-services/account-services/cash-sweep/rates.htm", "citeUrl": "https://www.movablecapital.com/sweep-rates/wells", "access": "Same day", "accessDays": 0, "protection": "FDIC-insured through program banks (limits apply)", "conditions": "Advisory and retirement accounts may get higher rates", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "morganstanley", "category": "sweep", "provider": "Morgan Stanley", "name": "Morgan Stanley brokerage", "label": "Morgan Stanley brokerage", "ticker": null, "product": "Bank Deposit Program", "accountType": "Advisor-led brokerage", "ratePct": 0.01, "rateNote": "Under $500k", "verifiedOn": "2026-10-23", "rateAsOf": null, "estimated": true, "sourceUrl": "https://www.morganstanley.com/wealth-general/ratemonitor", "citeUrl": "https://www.movablecapital.com/sweep-rates/morganstanley", "access": "Same day", "accessDays": 0, "protection": "FDIC-insured through program banks (limits apply)", "conditions": "Default for brokerage accounts", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "morganstanley-advisory", "category": "sweep", "provider": "Morgan Stanley", "name": "Morgan Stanley advisory accounts", "label": "Morgan Stanley advisory accounts", "ticker": null, "product": "Bank Deposit Program, advisory", "accountType": "Advisory account", "ratePct": 3.85, "rateNote": "Balances from $250,000; 0.01% below", "verifiedOn": "2026-10-23", "rateAsOf": null, "estimated": true, "sourceUrl": "https://www.morganstanley.com/wealth-general/ratemonitor", "citeUrl": "https://www.movablecapital.com/sweep-rates/morganstanley-advisory", "access": "Same day", "accessDays": 0, "protection": "FDIC-insured through program banks (limits apply)", "conditions": "Advisory account with an advisory fee", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "raymondjames", "category": "sweep", "provider": "Raymond James", "name": "Raymond James", "label": "Raymond James", "ticker": null, "product": "Raymond James Bank Deposit Program", "accountType": "Advisor-led brokerage", "ratePct": 0.05, "rateNote": "Under $250,000; 1.77% APY from $10M", "verifiedOn": "2026-10-22", "rateAsOf": null, "estimated": true, "sourceUrl": "https://www.raymondjames.com/wealth-management/why-a-raymond-james-advisor/client-resources/market-numbers/deposit-rates", "citeUrl": "https://www.movablecapital.com/sweep-rates/raymondjames", "access": "Same day", "accessDays": 0, "protection": "FDIC-insured through program banks (limits apply)", "conditions": "Default sweep", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "ameriprise", "category": "sweep", "provider": "Ameriprise", "name": "Ameriprise", "label": "Ameriprise", "ticker": null, "product": "Ameriprise Insured Money Market Account", "accountType": "Advisor-led brokerage", "ratePct": 0.03, "rateNote": "Under $250,000; 1.01% APY from $1M", "verifiedOn": "2026-11-02", "rateAsOf": null, "estimated": false, "sourceUrl": "https://www.ameriprise.com/sweeprates", "citeUrl": "https://www.movablecapital.com/sweep-rates/ameriprise", "access": "Same day", "accessDays": 0, "protection": "FDIC-insured through program banks (limits apply)", "conditions": "Default brokerage sweep", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "edwardjones", "category": "sweep", "provider": "Edward Jones", "name": "Edward Jones", "label": "Edward Jones", "ticker": null, "product": "Insured Bank Deposit", "accountType": "Advisor-led brokerage", "ratePct": 0.13, "rateNote": "Under $250,000; 1.80% from $10M", "verifiedOn": "2026-10-21", "rateAsOf": null, "estimated": true, "sourceUrl": "https://www.edwardjones.com/us-en/investment-services/account-options/banking-borrowing-solutions/insured-bank-deposit", "citeUrl": "https://www.movablecapital.com/sweep-rates/edwardjones", "access": "Same day", "accessDays": 0, "protection": "FDIC-insured through program banks (limits apply)", "conditions": "Default sweep", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "wealthfront-cash", "category": "savings", "provider": "Wealthfront", "name": "Wealthfront Cash Account", "label": "Wealthfront Cash Account", "ticker": null, "product": "High-yield savings", "accountType": "Savings account", "ratePct": 3.55, "rateNote": "Base rate; promo: New clients get +0.65% for 3 months on up to $150,000", "verifiedOn": "2026-11-02", "rateAsOf": "2026-10-01", "estimated": false, "sourceUrl": "https://www.wealthfront.com/cash", "citeUrl": "https://www.movablecapital.com/savings-rates", "access": "1 to 2 business days to move", "accessDays": 2, "protection": "FDIC: Up to $8M through program banks", "conditions": "None stated", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "marcus", "category": "savings", "provider": "Marcus", "name": "Marcus by Goldman Sachs High Yield Savings", "label": "Marcus by Goldman Sachs High Yield Savings", "ticker": null, "product": "High-yield savings", "accountType": "Savings account", "ratePct": 3.5, "rateNote": "Base rate, no conditions", "verifiedOn": "2026-10-23", "rateAsOf": "2026-10-23", "estimated": true, "sourceUrl": "https://www.marcus.com/us/en/savings/high-yield-savings", "citeUrl": "https://www.movablecapital.com/savings-rates", "access": "1 to 2 business days to move", "accessDays": 2, "protection": "FDIC: Standard $250k per depositor", "conditions": "No minimum, no fees", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "sofi", "category": "savings", "provider": "SoFi", "name": "SoFi Savings", "label": "SoFi Savings", "ticker": null, "product": "High-yield savings", "accountType": "Savings account", "ratePct": 3.3, "rateNote": "Base rate; promo: Up to 4.40% with direct deposit or qualifying deposits", "verifiedOn": "2026-11-02", "rateAsOf": "2026-10-20", "estimated": false, "sourceUrl": "https://www.sofi.com/banking/savings-account/", "citeUrl": "https://www.movablecapital.com/savings-rates", "access": "1 to 2 business days to move", "accessDays": 2, "protection": "FDIC: Up to $3M through participating banks", "conditions": "None stated", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "ally", "category": "savings", "provider": "Ally", "name": "Ally Online Savings", "label": "Ally Online Savings", "ticker": null, "product": "High-yield savings", "accountType": "Savings account", "ratePct": 3.2, "rateNote": "Base rate, no conditions", "verifiedOn": "2026-11-02", "rateAsOf": "2026-10-30", "estimated": false, "sourceUrl": "https://www.ally.com/bank/online-savings-account/", "citeUrl": "https://www.movablecapital.com/savings-rates", "access": "1 to 2 business days to move", "accessDays": 2, "protection": "FDIC: Standard $250k per depositor", "conditions": "Same rate on all balances", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "amex", "category": "savings", "provider": "American Express", "name": "American Express High Yield Savings", "label": "American Express High Yield Savings", "ticker": null, "product": "High-yield savings", "accountType": "Savings account", "ratePct": 3.2, "rateNote": "Base rate, no conditions", "verifiedOn": "2026-10-23", "rateAsOf": "2026-10-23", "estimated": true, "sourceUrl": "https://www.americanexpress.com/en-us/banking/online-savings/account/", "citeUrl": "https://www.movablecapital.com/savings-rates", "access": "1 to 2 business days to move", "accessDays": 2, "protection": "FDIC: Standard $250k per depositor", "conditions": "None stated", "tax": { "stateExemptShare": 0, "federallyExempt": false, "taxable": true, "isFund": false, "meets50": null, "taxAs": "ordinary" }, "limits": { "maxBalance": null, "maxBalanceNote": null, "firstDollarsUnpaid": 0, "annualFee": 0 } }, { "id": "betterment-cash", "category": "savings", "provider": "Betterment", "name": "Betterment Cash Reserve", "label": "Betterment Cash Reserve", "ticker": null, "product": "High-yield savings", "accountType": "Savings account", "ratePct": 3.5, "rateNote": "Base rate; 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