At a 24% federal bracket, a single filer in North Carolina is typically in the 3.99% state bracket. Treasury bills and Treasury money market funds skip that state tax, which is worth about 0.15 points on a 3.8% yield.
| # | Account | Score | Stated yield | State-tax-free | After-tax yield | Taxable-equiv. | Per year | As of / source |
|---|---|---|---|---|---|---|---|---|
| 1 | PibankSavingsHigh-yield savingsWhy this score | 91 | 4.40%APY | — | 3.17% | 4.40% | $792−$42 vs best yield | 2026-10-21 source |
| 2 | 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% | 4.63% | $834 | 2026-11-04 source |
| 3 | 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% | 4.53% | $815−$19 vs best yield | 2026-11-04 source |
| 4 | EverBankPerformance SavingsHigh-yield savings Rate quoted for new accounts. Why this score | 87 | 4.20%APY | — | 3.02% | 4.20% | $756−$78 vs best yield | 2026-11-05seen on page source |
| 5 | 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% | 4.36% | $785−$49 vs best yield | 2026-11-04 source |
| 6 | Newtek BankPersonal High Yield SavingsHigh-yield savingsWhy this score | 84 | 4.20%APY | — | 3.02% | 4.20% | $756−$78 vs best yield | 2026-11-05seen on page source |
| 7 | Bread SavingsHigh-Yield SavingsHigh-yield savings $100 minimum deposit. Why this score | 83 | 4.05%APY | — | 2.92% | 4.05% | $729−$105 vs best yield | 2026-11-05seen on page source |
| 8 | 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% | 4.01% | $722−$112 vs best yield | 2026-09-30latest SEC filing source · tax doc |
| 9 | 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% | 4.13% | $743−$91 vs best yield | 2026-11-04 source |
| 10 | Vanguard Cash Reserves Federal Money Market FundVMRXXMoney market fund Not FDIC insured. Yield is net of fund expenses. Why this score | 80 | 3.80%7-day SEC | 69.6% | 2.84% | 3.95% | $710−$124 vs best yield | 2026-09-30latest SEC filing source · tax doc |
| 11 | Vio BankOnline SavingsHigh-yield savingsWhy this score | 80 | 4.01%APY | — | 2.89% | 4.01% | $722−$112 vs best yield | 2026-11-05seen on page source |
| 12 | Sallie Mae BankHigh-Yield SavingsHigh-yield savingsWhy this score | 80 | 4.00%APY | — | 2.88% | 4.00% | $720−$114 vs best yield | 2026-11-05seen on page source |
| 13 | Live Oak BankPersonal SavingsHigh-yield savingsWhy this score | 80 | 4.00%APY | — | 2.88% | 4.00% | $720−$114 vs best yield | 2026-11-05seen on page source |
| 14 | Vanguard Federal Money Market FundVMFXXMoney market fund Not FDIC insured. Yield is net of fund expenses. Why this score | 80 | 3.79%7-day SEC | 66.6% | 2.83% | 3.93% | $707−$127 vs best yield | 2026-09-30latest SEC filing source · tax doc |
| 15 | 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% | 3.73% | $671−$163 vs best yield | 2026-09-30latest SEC filing source · tax doc |
← All categories · State tax brackets: Tax Foundation 2026.
Our rule: Never ranked by affiliate payout. Payout data isn't an input to the score, and labelled affiliate links never change an option's position. How we make money
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.