Today’s Top Cash Rates, Before the Fed Decides

Core Insights - The Federal Reserve is expected to maintain current interest rates, leading to stable cash rates in the near term, which are projected to remain competitive, ranging from low-3% to around 5% [2][3][9] Cash Options Overview - Various cash management options, including high-yield savings accounts, CDs, brokerage cash options, and U.S. Treasuries, are highlighted as offering solid yields without market risk [4][9] - The best high-yield savings accounts and CDs allow for locking in strong returns, while brokerage options and Treasuries provide a balance of flexibility and stability [4][12] Earnings Potential - Different cash balances can generate significant earnings over six months, with examples showing how $10,000, $25,000, and $50,000 can earn between $20 to $1,235 depending on the APY chosen [7][10] - For instance, at a 5.00% APY, $10,000 could earn $247, $25,000 could earn $617, and $50,000 could earn $1,235 over six months [10] Rate Variability - The rates for savings accounts and money market accounts are variable and can change over time, while CDs and Treasuries allow for locking in rates for a specified period [11][12] Current Rate Analysis - The article provides a breakdown of current rates across different cash categories, including bank and credit union products, brokerage and robo-advisor products, and U.S. Treasury products [14][16]