Treasury bill rates (latest auctions)

Updated Nov 3, 2026 · 6 options with a confirmed rate shown on this page

T-bills are short-term loans to the US government, sold at regular auctions (weekly for most terms). The rates below are each term's latest auction high investment rate (a bond-equivalent yield), from the Treasury's own FiscalData API. Interest is exempt from state and local income tax. You can buy at TreasuryDirect.gov or through most brokers.

6 options
NameTypeAPY / yieldRisk labelMinimumSource
US T-Bill 52-weekAuction 2026-10-27; issued 2026-10-29, matures 2027-10-28; high investment rate (bond-equivalent)T-bill4.496%Treasury-backed$100source
US T-Bill 26-weekAuction 2026-11-02; issued 2026-11-05, matures 2027-05-06; high investment rate (bond-equivalent)T-bill4.298%Treasury-backed$100source
US T-Bill 17-weekAuction 2026-10-28; issued 2026-11-03, matures 2027-03-02; high investment rate (bond-equivalent)T-bill4.256%Treasury-backed$100source
US T-Bill 13-weekAuction 2026-11-02; issued 2026-11-05, matures 2027-02-04; high investment rate (bond-equivalent)T-bill4.138%Treasury-backed$100source
US T-Bill 8-weekAuction 2026-10-29; issued 2026-11-03, matures 2026-12-29; high investment rate (bond-equivalent)T-bill4.101%Treasury-backed$100source
US T-Bill 4-weekAuction 2026-10-29; issued 2026-11-03, matures 2026-12-01; high investment rate (bond-equivalent)T-bill3.976%Treasury-backed$100source

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.

T-bill rate: top and average over time
T-bill rate: top and average over time4.10%4.20%4.30%4.40%4.50%4.60%4.70%Oct 21Oct 26Oct 28Nov 3Top, Oct 21: 4.62% (US T-Bill 52-week)Top, Oct 26: 4.62% (US T-Bill 52-week)Top, Oct 27: 4.62% (US T-Bill 52-week)Top, Oct 28: 4.50% (US T-Bill 52-week)Top, Nov 3: 4.50% (US T-Bill 52-week)Average of all listed, Oct 21: 4.28% (6 listed)Average of all listed, Oct 26: 4.28% (6 listed)Average of all listed, Oct 27: 4.28% (6 listed)Average of all listed, Oct 28: 4.23% (6 listed)Average of all listed, Nov 3: 4.21% (6 listed)

History starts Oct 2026. 5 rate checks so far (Oct 21, 2026 to Nov 3, 2026); a point is added each week. The average covers every option we list with a confirmed rate on that date.

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).

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