Are You Stashing Cash while You Wait for Trump’s Tariffs? Today’s Top Safe Havens pay up to 5.00%

Takeaways

• You may have been considering increasing your cash reserves as President Trump’s tariff policy, which is still evolving, has caused considerable market uncertainty.
• Fortunately, safe havens for your cash are offering excellent returns these days—including high-yield savings accounts paying up to 5.00%.
• Though CDs pay slightly less—up to 4.60% right now—they have the advantage of guaranteeing their fixed APY for months or years.
• Money market funds, cash management accounts and robo-advisors are paid 4% and more by brokerage firms and their robo-advisors.
• Treasurys of the United States, however, are paying up to 4.75%, as of today’s closing market.
• You can find the current returns for all these options in our table below.

The full article can be found below these offers.

Cash on Hand Feels Smart Right Now—But Be Sure to Earn a Solid Return

It seems prudent to increase your cash reserves, given the economic volatility caused by President Trump’s constantly evolving tariff policy. Whether you are putting your savings in the bank, or moving funds from stocks to cash vehicles, you should consider how much money you can earn.

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 robo advisor productsMoney market funds, cash management accounts
3. Treasury ProductsIn addition to I bonds, you can also buy T-bills and notes.

You can select one product or mix and match them for 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, indicating the change from a week ago.

Today's Best Rates on Cash – Apr. 25, 2025

Right now, you can earn the most with a high yield savings account. There are two options that pay 5.00%. However, these two leaders come with some requirements that may not be suitable for you. The top high-yield saving rate is 4.60%, which comes with “no strings.”

The rates of savings and money-market accounts can fall at any moment. Consider a CD if you want to earn the current rates for many months or years. The top rate is also 4.60% for terms between 6 and 10 months. You can also lock in a slightly higher APY for a longer period of time.

The rates on brokerage money markets and cash management account showed little change in the past week. Rates on Treasurys remained mostly stable for shorter durations, but decreased slightly among longer bonds.

Bank and Credit Union Rates

These rates are the highest APYs available from federally insured credit unions and banks, based on daily rate research conducted by our team of analysts.

Brokerage and RoboAdvisor Rates

Rates on cash management accounts can fluctuate at any time.

U.S. Treasury Interest Rates

Treasury securities can be purchased directly from TreasuryDirect. They can also be purchased and sold via a brokerage or bank on the secondary market. I bonds are only available through TreasuryDirect. Rates are adjusted every six-months.

Summary Table of All Cash Options by Interest Rate

Here's a different look at all of the cash vehicles above, sorted by rate. Note that the rates displayed are the highest qualifying rates for each product type.

Understanding Your 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. Do not assume that your main bank pays competitive rates. Some banks pay almost no interest.

We make it easy to find a high-yielding account. Our daily ranking of high-yielding savings accounts offers you 18 options that pay 4.35% to 5.00% APY. Note that rates on savings accounts may change at any time.

Money Market Accounts

A money market is a savings account which allows you to print 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. The top money-market account rate is currently 4.4% APY. Be aware that money-market rates are not fixed and can change without warning.

Certificates of Deposit

A certificate of deposit is a bank product or credit union offering a fixed interest rate and a guaranteed return over a certain period of time. CDs, which are usually between 3 months and 5 years long, offer a predictable rate of return that is not subject to change for the duration.

You should be aware, however, that the commitment is not without teeth. If your earnings are withdrawn before maturity you will be penalized. Our daily ranking includes CDs that pay up 4.60% APY.

It is important to note that

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. These are very different from the national averages, comprising all institutions offering accounts of those types—including many large banks that pay a pittance in interest. The national averages are low, but the rates we show are 5, 10, or 15 times higher.

Brokerage and Robo Advisor 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 3.96% – 4.22% 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 a profit. Cash management accounts, unlike money market funds offer a fixed interest rate that can be adjusted by the brokerage or roboadvisor at any time. Currently, a number of popular brokers offer 3.83% – 4.00% APY for their cash accounts.

U.S. Treasury Products

Treasury Bills, Notes and Bonds

The U.S. Treasury has a variety of short-term and long-term bond products. Treasury bills have a short duration of 4 to 52 week, while Treasury notes are available in 2 to 5 year maturity. The Treasury bond is the longest-term option, with a 20-to-30-year maturity. The rates for the different Treasury products today range from 3.74% up to 4.75%.

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 buy Treasury ETFs which are traded on the market as stocks. You can read here about the advantages and limitations of Treasury ETFs.

I Bonds

U.S. Treasury bonds I have a rate which is adjusted every 6 months to align it with inflation trends. You can redeem your I bond at any time after the first year or keep it for 30 years. Your rate will change every six months if you own the bond.

Tip

Rates for I bonds are going up on May 1st. We don’t yet know the exact rate Treasury plans to announce on that date for new bonds. However, we do know that existing I bond holders will see their next six-month rates increase by nearly a full percentage. See our article about the upcoming change in rates, including rate tables based on different bond dates.

How we find the best CD rates and savings

Investopedia ranks the best-paying savings and CD accounts every day. It tracks rate data from more than 200 credit unions and banks that offer these accounts nationwide. To be included in our lists, an institution must be federally backed (FDIC for credit unions, NCUA or FDIC for banks) and have a minimum deposit of $25,000 for the account. It cannot specify a deposit amount below $5,000.

To qualify as a national bank, the bank must be located in at least forty states. Some credit unions may require you to donate $40 or more to a charity or association in order to join if you do not meet other eligibility requirements (e.g. you don’t work in a particular area or have a specific job). To learn more about our methodology, please read the full article.

Article Sources Investopedia asks writers to use primary resources to support their writing. White papers, government data and original reporting are some of the sources. Where appropriate, we also reference original research by other reputable publishers. Our website contains more information about the standards that we use to produce accurate, unbiased content. Editorial Policy

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

2. TreasuryDirect. "About Treasury Marketable Securities."

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