Is the Merrill IRA cash rate good?
No. It pays close to nothing compared with Treasury bills.
IRA. Default option: Retirement Asset Savings Program, paying 0.01% (Under $1M), per the provider's own page, checked October 20, 2026. 3-month Treasury bills: 4.22% (U.S. Treasury, October 23, 2026). Often better: A Treasury money market fund inside the IRA.
How to read this: gross figures annualize today's rate on your balance; rates change. After-tax figures are estimates from your tax settings, with the math under each one. Advantages compare against Merrill IRA and aren't guaranteed savings. IRAs are compared only with other IRA options, since their interest isn't taxed each year.
| Provider and account | Rate, verified | Gross per yearat today's rate | Est. after taxyour settings | Access, conditions, protection | Est. advantagevs your current option |
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