CashRate WatchWhere to park your cash this week
Updated Nov 3, 2026 · 33 options with a confirmed rate shown on this page
Where to park cash in the US this week. We compare high-yield savings, money market funds, broker cash sweeps, Treasury bills and USDC rewards in one table, each with a plain risk label. Updated weekly from each provider's public page.
Top FDIC savings4.30% (90-day rate lock)Western Alliance Bank High-Yield Savings via Raisin
Top money market fund3.89%Vanguard Federal Money Market (VMFXX)
13-week T-bill (auction 2026-11-02)4.138%US T-Bill 13-week
Top broker cash3.60%Robinhood Gold High-Yield Cash
USDC rewards rate (Coinbase One)3.75%Coinbase USDC rewards
33 options
| Name | Type | Rate | Risk label | Source |
|---|---|---|---|---|
| US T-Bill 52-weekAuction 2026-10-27; issued 2026-10-29, matures 2027-10-28; high investment rate (bond-equivalent) | T-bill | 4.496% | Treasury-backed | source |
| Western Alliance Bank High-Yield Savings via RaisinNew Raisin users: 90-day rate lock, after which the rate can change; held at Western Alliance Bank (Member FDIC) through Raisin, which is not a bank; APY as of 11/04/2026 | Savings | 4.30% | FDIC | source |
| US T-Bill 26-weekAuction 2026-11-02; issued 2026-11-05, matures 2027-05-06; high investment rate (bond-equivalent) | T-bill | 4.298% | Treasury-backed | source |
| US T-Bill 17-weekAuction 2026-10-28; issued 2026-11-03, matures 2027-03-02; high investment rate (bond-equivalent) | T-bill | 4.256% | Treasury-backed | source |
| EverBank Performance SavingsNew accounts | Savings | 4.20% | FDIC | source |
| Happen Bank (formerly LendingClub) LevelUp SavingsLendingClub is now Happen Bank; LevelUp Rate APY as of 11/03/2026 with $250+ in deposits per statement cycle, otherwise 3.00% Standard Rate | Savings | 4.20% | FDIC | source |
| US T-Bill 13-weekAuction 2026-11-02; issued 2026-11-05, matures 2027-02-04; high investment rate (bond-equivalent) | T-bill | 4.138% | Treasury-backed | source |
| US T-Bill 8-weekAuction 2026-10-29; issued 2026-11-03, matures 2026-12-29; high investment rate (bond-equivalent) | T-bill | 4.101% | Treasury-backed | source |
| US T-Bill 4-weekAuction 2026-10-29; issued 2026-11-03, matures 2026-12-01; high investment rate (bond-equivalent) | T-bill | 3.976% | Treasury-backed | source |
| Bask Bank SavingsAPY as of 11/03/2026; limited-time 0.40% boost to 4.30% for up to 6 months on new accounts bundled with Bask Interest Checking | Savings | 3.90% | FDIC | source |
| Vanguard Federal Money Market (VMFXX)7-day SEC yield as of 11/02/2026; expense 0.11%; not FDIC, SIPC at broker covers custody not value | Money market | 3.89% | SIPC | source |
| Vanguard Treasury Money Market (VUSXX)7-day SEC yield as of 11/02/2026; expense 0.07% | Money market | 3.88% | SIPC | source |
| Schwab Prime Advantage Money Fund (SWVXX)7-day yield (with waivers) as of 11/02/2026 | Money market | 3.77% | SIPC | source |
| CIT Bank Platinum SavingsTiered | Savings | 3.75% | FDIC | source |
| Coinbase USDC rewardsRewards exclusive to Coinbase One members | USDC | 3.75%rewards rate | Not insured | source |
| Barclays Tiered Savings'Up to' tiered rate | Savings | 3.65% | FDIC | source |
| Schwab Government Money Fund (SNVXX)7-day yield as of 11/02/2026 | Money market | 3.63% | SIPC | source |
| Schwab U.S. Treasury Money Fund (SNSXX)7-day yield as of 11/02/2026 | Money market | 3.62% | SIPC | source |
| Schwab Treasury Obligations Money Fund (SNOXX)7-day yield as of 11/02/2026 | Money market | 3.60% | SIPC | source |
| Robinhood Gold High-Yield CashRequires Gold subscription; non-Gold earns 0% | Broker cash | 3.60% | FDIC / SIPC | source |
| Fidelity Government Money Market (SPAXX) | Money market | 3.56% | SIPC | source |
| Fidelity Treasury Money Market (FZFXX)7-day yield as of 11/02/2026; expense 0.42% (gross); not FDIC, SIPC at broker covers custody not value | Money market | 3.55% | SIPC | source |
| Wealthfront Cash AccountBase APY as of 10/01/2026; up to 4.45% with boosts; via program banks | Broker cash | 3.55% | FDIC | source |
| Schwab Intelligent Portfolios sweepEffective 11/02/2026, resets monthly | Broker cash | 3.51% | FDIC | source |
| Marcus by Goldman Sachs Online Savings | Savings | 3.50% | FDIC | source |
| Betterment Cash ReserveVariable; new-customer boost to 4.25% advertised | Broker cash | 3.50% | FDIC | source |
| Interactive Brokers (IBKR Pro) cash interestAnnual rate not APY | Broker cash | 3.38% | SIPC | source |
| SoFi SavingsBase APY; up to 4.40% with limited-time 1.10% boost + direct deposit | Savings | 3.30% | FDIC | source |
| Public High-Yield Cash AccountCore 3.30%; 3.75% with paid Public Reserve subscription | Broker cash | 3.30% | FDIC | source |
| American Express High Yield SavingsAPY as of 2026-11-04 | Savings | 3.20% | FDIC | source |
| Ally Online SavingsShown as 3.2% as of 11/02/26 | Savings | 3.20% | FDIC | source |
| Varo SavingsBase APY; up to 3.75% with qualifications | Savings | 1.00% | FDIC | source |
| Schwab brokerage uninvested cash (Bank Sweep)Default sweep | Broker cash | 0.01% | FDIC | source |
Savings and broker cash show APY. Money market funds show 7-day yield. T-bills show the auction high investment rate (bond-equivalent yield). USDC shows a rewards rate, not interest. Rates checked Nov 3, 2026; they change often, so always confirm on the provider's site. Not financial advice.
About USDC rewards rates: these are rewards set by each platform. They are not interest or APY, are not guaranteed, can change or stop at any time, may require a paid membership (for example Coinbase One), and may not be available in every state. USDC is not FDIC- or SIPC-insured. Nothing here is a recommendation to buy crypto.
Weekly email, free
Get the weekly rate check: top rates, what moved, and the latest T-bill auctions. Unsubscribe anytime.
Signups are handled by beehiiv. We never sell your email. Privacy policy
- Savings 4.30% Western Alliance Bank High-Yield Savings via Raisin
- Money market 3.89% Vanguard Federal Money Market (VMFXX)
- T-bill 4.50% US T-Bill 52-week
- Broker cash 3.60% Robinhood Gold High-Yield Cash
- USDC rewards 3.75% Coinbase USDC rewards
History starts Oct 2026. 5 rate checks so far (Oct 21, 2026 to Nov 3, 2026); a point is added each week. Each line is the highest rate we list in that type on each check date; the provider holding the top spot can change. USDC is a rewards rate, not interest.
Compare: USDC vs high-yield savingsBest broker cash ratesBest money market fund yieldsT-bills vs high-yield savingsHigh-yield savings vs money market funds
What the risk labels mean
- FDIC
- A bank deposit. If the bank fails, the FDIC covers up to $250,000 per depositor, per bank, per ownership category. Broker "cash sweep" accounts spread money across partner banks to raise that limit.
- SIPC
- A security held at a brokerage, such as a money market fund. SIPC protects you if the brokerage fails and your assets go missing (up to $500,000, including $250,000 cash). It does not protect against the fund losing value. Government money funds aim for a stable $1 share price, which is not guaranteed.
- Treasury-backed
- A direct loan to the US government (T-bills). There is no insurance, and none is needed in the usual sense: you are paid by the US Treasury. If you sell before maturity the price can move a little.
- Not insured
- Crypto stablecoin rewards (USDC). There is no FDIC or SIPC coverage. You depend on the exchange, the stablecoin issuer, and rules that are still being written.
- FDIC / SIPC
- A mix. For example, part of the balance is held as brokerage cash (SIPC) and the rest is swept to banks (FDIC).