How much cash is earning today: Treasury yields compared with what the average U.S. bank pays on CDs, savings and money market accounts. The numbers update on their own each day.
Today's cash rates
Updated Thu, Nov 12, 2026
Where cash is earning right now
The takeaway: A 1-year Treasury yields 4.65%, about 2.9 percentage points more than the average 1-year bank CD (1.76%).
| Term | Treasury yield | Average bank CD | Compared |
|---|---|---|---|
| 3 months | 4.32% | 1.14% | |
| 6 months | 4.42% | 1.39% | |
| 1 year | 4.65% | 1.76% | |
| 2 years | 4.86% | 1.55% |
Treasury yieldAverage bank CD
| Account | Average rate | Compare: 3-month Treasury |
|---|---|---|
| Savings account | 0.38% | 4.32% |
| Money market account | 0.63% | 4.32% |
| Interest checking | 0.07% | 4.32% |
| 1-year CD | 1.76% | 4.32% |
These are national averages across U.S. banks. Many online banks and money market funds pay more.
| Term | Treasury yield | |
|---|---|---|
| 1 month | 4.12% | How Treasuries work → |
| 3 months | 4.32% | How Treasuries work → |
| 6 months | 4.42% | How Treasuries work → |
| 1 year | 4.65% | How Treasuries work → |
| 2 years | 4.86% | How Treasuries work → |