Ranked on after-tax yield, risk, liquidity, minimum, fees and effort. You set the weights, and we show the math. Cash is live now, with 48 savings accounts, T-bills, money market funds and brokerage cash options scored for your state and tax bracket.
| # | Account | Score | Stated yield | State-tax-free | After-tax yield | Taxable-equiv. | Per year | As of / source |
|---|---|---|---|---|---|---|---|---|
| 1 | U.S. Treasury bill52-week (1-year)T-bill Buy at TreasuryDirect or any brokerage; price can move if sold before maturity. Why this score | 91 | 4.39%bond-equiv. | 100% | 3.34% | 5.00% | $834 | 2026-11-04 source |
| 2 | U.S. Treasury bill26-week (6-month)T-bill Buy at TreasuryDirect or any brokerage; price can move if sold before maturity. Why this score | 89 | 4.29%bond-equiv. | 100% | 3.26% | 4.89% | $815−$19 vs best yield | 2026-11-04 source |
| 3 | U.S. Treasury bill13-week (3-month)T-bill Buy at TreasuryDirect or any brokerage; price can move if sold before maturity. Why this score | 86 | 4.13%bond-equiv. | 100% | 3.14% | 4.71% | $785−$49 vs best yield | 2026-11-04 source |
| 4 | PibankSavingsHigh-yield savingsWhy this score | 84 | 4.40%APY | — | 2.93% | 4.40% | $734−$100 vs best yield | 2026-10-21 source |
| 5 | Vanguard Treasury Money Market FundVUSXXMoney market fund Not FDIC insured. Yield is net of fund expenses. Why this score | 82 | 3.80%7-day SEC | 100% | 2.89% | 4.33% | $722−$112 vs best yield | 2026-09-30latest SEC filing source · tax doc |
| 6 | U.S. Treasury bill4-weekT-bill Buy at TreasuryDirect or any brokerage; price can move if sold before maturity. Why this score | 81 | 3.91%bond-equiv. | 100% | 2.97% | 4.46% | $743−$91 vs best yield | 2026-11-04 source |
| 7 | EverBankPerformance SavingsHigh-yield savings Rate quoted for new accounts. Why this score | 80 | 4.20%APY | — | 2.80% | 4.20% | $700−$134 vs best yield | 2026-11-05seen on page source |
| 8 | Vanguard Cash Reserves Federal Money Market FundVMRXXMoney market fund Not FDIC insured. Yield is net of fund expenses. Why this score | 79 | 3.80%7-day SEC | 69.6% | 2.78% | 4.17% | $695−$139 vs best yield | 2026-09-30latest SEC filing source · tax doc |
| 9 | Vanguard Federal Money Market FundVMFXXMoney market fund Not FDIC insured. Yield is net of fund expenses. Why this score | 78 | 3.79%7-day SEC | 66.6% | 2.76% | 4.14% | $691−$143 vs best yield | 2026-09-30latest SEC filing source · tax doc |
| 10 | Newtek BankPersonal High Yield SavingsHigh-yield savingsWhy this score | 78 | 4.20%APY | — | 2.80% | 4.20% | $700−$134 vs best yield | 2026-11-05seen on page source |
| 11 | Schwab U.S. Treasury Money Fund (Investor)SNSXXMoney market fund Not FDIC insured. Yield is net of fund expenses. Why this score | 77 | 3.53%7-day SEC | 100.0% | 2.68% | 4.02% | $671−$163 vs best yield | 2026-09-30latest SEC filing source · tax doc |
| 12 | Fidelity Treasury Only Money Market FundFDLXXMoney market fund Not FDIC insured. Yield is net of fund expenses. Why this score | 77 | 3.48%7-day SEC | 98.7% | 2.64% | 3.96% | $660−$174 vs best yield | 2026-09-30latest SEC filing source · tax doc |
| 13 | Bread SavingsHigh-Yield SavingsHigh-yield savings $100 minimum deposit. Why this score | 76 | 4.05%APY | — | 2.70% | 4.05% | $675−$159 vs best yield | 2026-11-05seen on page source |
| 14 | Schwab U.S. Treasury Money Fund (Ultra)SUTXXMoney market fund Not FDIC insured. Yield is net of fund expenses. Why this score | 76 | 3.68%7-day SEC | 100.0% | 2.80% | 4.19% | $699−$135 vs best yield | 2026-09-30latest SEC filing source · tax doc |
| 15 | Vio BankOnline SavingsHigh-yield savingsWhy this score | 74 | 4.01%APY | — | 2.67% | 4.01% | $669−$165 vs best yield | 2026-11-05seen on page source |
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Not financial or tax advice. CashRanq is an independent information site that publishes the same general rankings for every reader; scores and presets are not recommendations for you. Rates change often and may depend on balance, eligibility or promotions; money market fund yields are past 7-day yields and are not guaranteed, and funds are not FDIC insured. Tax figures are simplified estimates (marginal rates only; no local taxes, AMT, NIIT, deductions or credits). Always verify the current rate and terms with the provider and consult a tax professional for your situation.