Need a Safe Haven For Your Cash In An Uncertain Economy? Here are your highest-yielding options right now

Takeaways

The stock market has been rocked by President Donald Trump’s on and off tariffs. Many have resorted to increasing their cash reserves. Cash havens offer great returns at the moment. Here are some of the best rates available today:

• High-yielding savings accounts: upto 4.60%
• Money Market Accounts: up to 4.4%
• Certificates of Deposit (CDs) : up to 4%
• Brokerage money-market funds: up 4.23%
• Brokerage cash management account: up to 4.00%
• Treasurys: Up to 4.91%

We track the returns on these options every single week and let you decide which one is best for your money right now.

The full article can be found below these offers.

Cash Is King In These Uncertain Times—So Be Sure You're Earning a Solid Return

A solid cash reserve is becoming increasingly important, given the volatility in the stock market that President Trump unleashed last week with his announcement of tariffs around the world. It’s important to consider the potential earnings from different strategies, whether you are holding your savings in a bank or transferring funds from stocks into a cash vehicle.

Safe cash investments offer three main options to secure a high interest rate with virtually no risk.

1. Products of the Bank and Credit UnionSavings accounts, money-market accounts, and certificates (CDs).
2. Brokerage and roboadvisory productsMoney Market Funds and Cash Management Accounts
3. Treasury ProductsIn addition to I bonds, you can also buy T-bills and notes.

You can choose one of these products or mix them up to suit different budgets and timelines. In any case, you'll want to understand what each product pays. Below, we lay out today's top rates in every category, as well as indicate the change from a week ago.

Tip

Need to understand the pros, cons and differences between these different saving vehicles? Below the tables we describe each and provide links for more detailed information.

Today's Best Rates on Cash – Week Ending Apr. 11, 2025

You can see that this week, rates on several cash instruments have improved. The 20-year Treasury bond offers the highest yield, up to 4.91%. 30-year bonds offer 4.85%. The next highest rate is guaranteed by two 7-month CDs, which offer 4.65% APY.

You can earn up to 4% on almost all the options listed below. This gives you plenty of chances to invest your money where it makes sense for you.

You can also read about the importance of this in

Note that the "top rates" quoted for savings accounts, money market accounts, and CDs are the highest nationally available rates Investopedia has identified in its daily rate research of hundreds of banks and credit unions. This is very different from the national average, comprising all institutions offering a CD with that term—including many large banks that pay a pittance in interest. National averages are therefore always low while our top rates are often 5, 10 or even 15-times higher.

Understanding Your Different Cash Options

Bank and Credit Union Products

Savings Accounts

The most basic place to stash cash is a bank or credit union savings account—sometimes called a high-yield savings account—that lets you add and withdraw money as you please. Don’t assume that your primary bank offers a competitive interest rate. Some banks offer interest rates that are almost zero.

We make it easy to find a high-yielding account. Our daily ranking of high-yielding savings accounts offers 15 options that pay 4.32% APY to 4.60%. Note that rates on savings accounts may change at any time.

Money Market Accounts

A money market is a savings account where you can write paper checks. If this is an important feature for you, check out our list of money market accounts.

If you don’t need paper check-writing, choose whichever account type—money market or savings—pays the better rate. Money market accounts are currently paying a top rate of 4.40% Annual Percentage Yield (APY). Remember that money market account rates are variable and can be lowered at any time.

Certificates of deposit

A certificate of deposit is a bank product or credit union product that offers a fixed interest rate and a guaranteed return. CDs are a bank or credit union product that offers a guaranteed return for a set period of time.

You should be aware, however, that the commitment is not without teeth. If your earnings are withdrawn before maturity you will be penalized with an early-withdrawal penalty. Our daily ranking includes CDs that pay up 4.65% APY.

Brokerage and RoboAdvisor Products

Money Market Funds

Money market funds are not money market accounts at banks, but mutual funds invested in money and offered by brokerages and robo-advisors. Their yields fluctuate daily, but range from 3.99% – 4.23% for the three largest brokerages.

Cash Management Accounts

You can “sweep” uninvested funds from a brokerage account or robo advisor into a Cash Management Account where they will earn interest. Cash management accounts are different from money market funds because they offer a set interest rate which the brokerage can change at any time. Cash accounts are currently offered by several popular brokers at a rate of 3.83% to 4.0% APY.

U.S. Treasury Products

Treasury Bills, Notes and Bonds

The U.S. Treasury provides a wide range of short and long-term bonds. Treasury bills are the shortest-term instruments, with a duration ranging from four to 52 weeks. Treasury notes, on the other hand, have a maturity ranging between two and five years. The Treasury bond is the longest-term option, with a maturity between 20 and 30 years. Rates on Treasury products range between 3.96% and 4.91%.

TreasuryDirect offers T-bills as well as notes and bonds that you can purchase directly or sell on the secondary markets at banks and brokerages. You can sell a Treasury product to get out of the bond before it matures. However, you may pay a fee or commission for secondary market purchases and sales, while buying and redeeming at TreasuryDirect—the U.S. Treasury’s online platform for buying federal government securities—has no fees.

You can also purchase Treasury ETFs that trade on the stock market just like stocks. Treasury ETFs come with both advantages and disadvantages, which you can learn about here.

I Bonds

The rate of U.S. Treasury Bonds I is adjusted every six-months to match inflation trends. You can redeem the I bond after one year, or you can hold it for up to 30 years. The rate of the bond will change every six-months.

How to Find the Best CD Rates and Savings

Investopedia ranks the highest-paying savings and CD accounts every day. It tracks rate data from more than 200 credit unions and banks across the country. For an institution to qualify for our lists it must be federally-insured (FDIC or NCUA for banks and credit unions) and the account must have a minimum initial deposit of no more than $25,000. The maximum deposit amount cannot be less than $5,000.

To qualify as a national bank, the bank must be located in at least forty states. While some credit unions ask you to donate to an association or charity to become a part of their organization if you do meet other criteria (e.g. if you live in a specific area or hold a particular job), we exclude those credit unions that require a donation of $40 or more. Read our methodology to learn more about how we select the best rates.

Article Sources Investopedia requires that writers use primary sources in order to support their work. White papers, government data and original reporting are some of the sources. Where appropriate, we also reference original research by other reputable publishers. Learn more about our standards for producing accurate and unbiased content by visiting our Editorial policy

1. Federal Deposit Insurance Corporation "National Rates and Rate Caps."

2. TreasuryDirect. "About Treasury Marketable Securities."

3. U.S. Treasury. "I Bonds."