Is the Raymond James cash rate good?
No. It pays close to nothing compared with Treasury bills.
Advisor-led brokerage. Default option: Raymond James Bank Deposit Program, paying 0.05% (Under $250,000; 1.77% APY from $10M), per the provider's own page, checked October 22, 2026. 3-month Treasury bills: 4.22% (U.S. Treasury, October 23, 2026). Often better: A money market fund through your advisor.
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 Raymond James 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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