Top Savings Accounts, CDs, Treasuries & Brokerage Rates in 2025: Highest Returns Up to 5.50%

Key Insights for 2024 Cash Savings

• Unlock historically high returns on accessible cash with top rates improving slightly this week.
• High-yield savings accounts, money market accounts, and CDs from banks and credit unions now offer rates as high as 5.50% for an 8-month CD.
• Brokerages and robo-advisors provide competitive money market funds and cash management accounts with rates reaching 4.27%.
• U.S. Treasury instruments, including T-bills, notes, bonds, and inflation-protected I bonds, offer yields up to 4.91%.
• Compare all current rates easily using our detailed tables below.

Where to Invest Your Cash for Maximum 2024 Returns

You have three primary options to earn solid interest on your cash savings:

1. Banks and Credit Unions: Savings accounts, money market accounts, and certificates of deposit (CDs).
2. Brokerages and Robo-Advisors: Money market funds and cash management accounts.
3. U.S. Treasury Products: Treasury bills, notes, bonds, and inflation-adjusted I bonds.

You can select a single product like a high-yield savings account or diversify across several options to suit different cash needs. Our comprehensive rate listings show real-time top yields and weekly changes for each product type.

Need More Details?

Scroll below the rate tables for in-depth explanations of each savings vehicle and links to additional resources.

Important Notes on Rates

Our "top rates" reflect the highest nationally available yields found through daily research of hundreds of banks and credit unions, significantly exceeding national averages that include many low-yield providers. These top rates can be 5 to 15 times higher than average figures.

Understanding Your Cash Investment Choices

Banks and Credit Unions

Savings Accounts: Basic accounts offering easy access and competitive yields, ranging from 4.40% to 4.75% APY on top-rated options. Beware that many traditional banks pay near-zero interest.

Money Market Accounts: Similar to savings accounts but with check-writing privileges. Top rates reach 4.75%, but rates are variable and may change without notice.

Certificates of Deposit (CDs): Fixed-rate accounts with terms from 3 months to 5 years, offering guaranteed returns up to 5.50%. Early withdrawal penalties apply if cashed before maturity.

Brokerage and Robo-Advisor Products

Money Market Funds: Mutual funds investing in cash equivalents, with yields that fluctuate daily.

Cash Management Accounts: Brokerage-held cash earning a fixed interest rate that can be adjusted by the provider anytime.

U.S. Treasury Products

Treasury Bills, Notes, and Bonds: Government-backed securities ranging from 1-month T-bills to 30-year bonds. Buy directly via TreasuryDirect with no fees or through brokerages with possible commissions.

I Bonds: Inflation-adjusted savings bonds with rates that reset every six months. Redeemable after 1 year, with a maximum 30-year term.

How We Identify the Best Rates

Each business day, we analyze rates from over 200 federally insured banks and credit unions nationwide. Institutions must meet minimum deposit requirements and be available in at least 40 states to qualify. Credit unions requiring donations over $40 for membership are excluded. For full methodology, see our detailed guide.

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