High-yield savings & Treasury bill rate chasing
Move idle cash from a low-rate bank account to an FDIC-insured high-yield savings account or short-term Treasury bills to earn market interest. Interest accrues automatically; T-bills are bought at a discount via TreasuryDirect or a brokerage and mature at face value.
What you need
- Cash you won't need immediately
- Bank account / TreasuryDirect or brokerage account
- Watch for teaser rates and balance tiers
Things to know
- Taxable income
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Sources
- https://www.cnbc.com/select/best-high-yield-savings-accounts/
- https://www.fool.com/money/banks/articles/top-savings-account-rates-today-oct-1-2026/
- https://treasuryratewatch.com/daily/treasury-bill-rates
- https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&field_tdr_date_value=2026