{"id":335649,"date":"2025-12-08T23:58:39","date_gmt":"2025-12-08T23:58:39","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/bank-accounts-treasury-bills-money-markets-etfs-december-2025-my-money-blog\/"},"modified":"2025-12-08T23:58:39","modified_gmt":"2025-12-08T23:58:39","slug":"bank-accounts-treasury-bills-money-markets-etfs-december-2025-my-money-blog","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=335649","title":{"rendered":"Bank Accounts, Treasury Bills, Money Markets, ETFs \u2013 December 2025 \u2014 My Money Blog"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/eadn-wc01-16089965.nxedge.io\/cdn\/wordpress\/wp-content\/uploads\/2024\/08\/cash_benjamins.jpeg\" alt=\"\" width=\"720\" height=\"480\" class=\"aligncenter size-full wp-image-80559\" srcset=\"https:\/\/eadn-wc01-16089965.nxedge.io\/cdn\/wordpress\/wp-content\/uploads\/2024\/08\/cash_benjamins.jpeg 720w, https:\/\/eadn-wc01-16089965.nxedge.io\/cdn\/wordpress\/wp-content\/uploads\/2024\/08\/cash_benjamins-300x200.jpeg 300w, https:\/\/eadn-wc01-16089965.nxedge.io\/cdn\/wordpress\/wp-content\/uploads\/2024\/08\/cash_benjamins-180x120.jpeg 180w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/p>\n<p>Here\u2019s my monthly survey of the best interest rates on cash as of December 2025, roughly sorted from shortest to longest maturities.  Banks and brokerages <em>love<\/em> taking advantage of idle cash, and you can often earning more money while keeping the same level of safety by moving to another FDIC-insured bank or NCUA-insured credit union.  Check out my <a href=\"http:\/\/www.mymoneyblog.com\/the-ultimate-interest-rate-chaser-calculator.html\" target=\"_blank\" rel=\"noopener noreferrer\">Ultimate Rate-Chaser Calculator<\/a> to see how much extra interest you could earn from switching.  Rates listed are available to everyone nationwide. <strong>Rates checked as of 12\/5\/2025.<\/strong><\/p>\n<p><strong>TL;DR:<\/strong> Savings account interest rates have dropped slightly overall, moving with Fed rates.  You can still get 4.6% and 4.5% APY if you accept some hoops\/restrictions, but most are a little under 4% now.  Short-term T-Bill rates have fallen, now ~3.7%.   Top 5-year CD rates are ~4.25% APY, while 5-year Treasury rate is ~3.7%.<\/p>\n<p><strong>High-yield savings accounts*<\/strong><br \/>Since the huge megabanks still pay essentially no interest, everyone should at least have a separate, no-fee online savings account to piggy-back onto your existing checking account.  The interest rates on savings accounts can drop at any time, so I list the top rates as well as competitive rates from banks with a history of competitive rates and solid user experience.  Some banks will bait you with a temporary top rate and then lower the rates in the hopes that you are too lazy to leave.<\/p>\n<ul>\n<li>The top saving rate at the moment:  <a href=\"https:\/\/www.pibank.com\" target=\"_blank\">Pibank<\/a> at <strong>4.60% APY<\/strong> (no min), but they have some weird restrictions; like you can only use wire\/Plaid to deposit and wire transfers to withdraw funds?!    <a href=\"https:\/\/www.hyperionbank.com\/gallery\/Hyperion-MM-Flyer-06.pdf\" target=\"_blank\">Hyperion Bank<\/a> has a <strong>4.50% APY<\/strong> money market account ($10,000 minimum, new money) with a 6-month rate guarantee.  <a href=\"https:\/\/www.mymoneyblog.com\/cit-bank-platinum-savings-deposit-bonus.html\" rel=\"noopener\" target=\"_blank\">CIT Platinum Savings<\/a> is now at <strong>3.75% APY<\/strong> with $5,000+ balance and is offering an <a href=\"https:\/\/www.mymoneyblog.com\/cit-bank-platinum-savings-deposit-bonus.html\" target=\"_blank\"><strong>up to $300 deposit bonus<\/strong><\/a> which increases your effective APY for a while.  There are many banks in between.\n<\/li>\n<li><a href=\"https:\/\/www.mymoneyblog.com\/recommends\/sofi-bank\" rel=\"noopener\" target=\"_blank\">SoFi Bank<\/a> is at <strong>3.60% APY + up to 4.30% APY for 6 months + $325 new account bonus<\/strong> with qualifying direct deposit.    You must maintain a direct deposit of any amount (even $1) each month for the higher APY.   SoFi has historically competitive rates and full banking features.<\/li>\n<li>Here is a limited survey of <a href=\"http:\/\/www.mymoneyblog.com\/online-savings-accounts-and-comparisons\" target=\"_blank\" rel=\"noopener noreferrer\">high-yield savings accounts<\/a>.  They aren\u2019t the top rates, but a group that have historically kept it relatively competitive such that I like to track their history.  This month they start at 3.30% APY on up.<\/li>\n<\/ul>\n<p><strong>Short-term guaranteed rates (1 year and under)<\/strong><br \/>A common question is what to do with a big pile of cash that you\u2019re waiting to deploy shortly (plan to buy a house soon, just sold your house, just sold your business, legal settlement, inheritance). My usual advice is to keep things simple and take your time.  If not a savings account, then put it in a flexible short-term CD under the FDIC limits until you have a plan.<\/p>\n<ul>\n<li>No Penalty CDs offer a fixed interest rate that can never go down, but you can still take out your money (once) without any fees if you want to use it elsewhere.  <a href=\"https:\/\/www.marcus.com\/us\/en\/savings\/no-penalty-cds\" rel=\"noopener noreferrer\" target=\"_blank\">Marcus<\/a> has a 13-month No Penalty CD at <strong>3.95% APY<\/strong> ($500 minimum deposit).  <a href=\"https:\/\/figfcu.org\/no-penalty-certificate\">Farmer\u2019s Insurance FCU<\/a> has a 9-month No Penalty CD at <strong>4.00% APY<\/strong> ($1,000 minimum deposit).  <a href=\"https:\/\/www.usalliance.org\/about-us\/rates\/savings-rates\">USALLIANCE Financial CU<\/a> has a 11-month No Penalty CD at <strong>3.90% APY<\/strong> ($500 minimum deposit).<\/li>\n<li><a href=\"https:\/\/www.usalliance.org\/about-us\/rates\/savings-rates\">USALLIANCE Financial CU<\/a> has a 12-month certificate at <strong>4.18% APY<\/strong> ($500 min).    Early withdrawal penalty is 180 days of interest.  Anyone can join this credit union via partner organization American Consumer Council (try promo codes \u201cconsumer\u201d, \u201cabnb\u201d, or \u201cUSFFCU\u201d to join for free).<\/li>\n<\/ul>\n<p><strong>Money market mutual funds<\/strong><br \/>Many brokerage firms that pay out very little interest on their default cash sweep funds (and keep the difference for themselves).  <strong>Note:<\/strong> Money market mutual funds are highly-regulated, but ultimately not FDIC-insured, so I would still stick with highly reputable firms.  <\/p>\n<ul>\n<li><a href=\"https:\/\/investor.vanguard.com\/investment-products\/mutual-funds\/profile\/vmfxx\" rel=\"noopener noreferrer\" target=\"_blank\">Vanguard Federal Money Market Fund (VMFXX)<\/a> is the default sweep option for Vanguard brokerage accounts, which has a 7-day SEC yield of <strong>3.89%<\/strong> (changes daily, but also works out to a compound yield of 3.96%, which is better for comparing against APY).   Odds are this is much higher than your own broker\u2019s default cash sweep interest rate.<\/li>\n<li><a href=\"https:\/\/investor.vanguard.com\/investment-products\/mutual-funds\/profile\/vusxx#\" rel=\"noopener noreferrer\" target=\"_blank\">Vanguard Treasury Money Market Fund (VUSXX)<\/a> is an alternative money market fund which you must manually purchase, but the interest will be mostly (<a href=\"https:\/\/www.mymoneyblog.com\/vanguard-federal-money-market-fund-claim-state-income-tax-exemption.html\" target=\"_blank\">100%<\/a> for 2024 tax year) exempt from state and local income taxes because it comes from qualifying US government obligations.  Current 7-day SEC yield of <strong>3.88%<\/strong> (compound yield of 3.95%).\n<\/li>\n<\/ul>\n<p><strong>Treasury Bills and Ultra-short Treasury ETFs<\/strong><br \/>Another option is to buy individual Treasury bills which come in a variety of maturities from 4-weeks to 52-weeks and are fully backed by the US government.   You can also invest in ETFs that hold a rotating basket of short-term Treasury Bills for you, while charging a small management fee for doing so.  T-bill interest is exempt from state and local income taxes, which can make a significant difference in your effective yield.   <\/p>\n<ul>\n<li>You can build your own T-Bill ladder at TreasuryDirect.gov or via a brokerage account with a bond desk like Vanguard and Fidelity.  Here are the current <a href=\"https:\/\/home.treasury.gov\/resource-center\/data-chart-center\/interest-rates\/TextView?type=daily_treasury_bill_rates&amp;field_tdr_date_value=2025\" rel=\"noopener noreferrer\" target=\"_blank\">Treasury Bill rates<\/a>.   As of 12\/5\/25, a new 4-week T-Bill had the equivalent of <strong>3.72%<\/strong> annualized interest and a 52-week T-Bill had the equivalent of <strong>3.61%<\/strong> annualized interest.<\/li>\n<li>The iShares 0-3 Month Treasury Bond ETF (<a href=\"https:\/\/www.morningstar.com\/etfs\/arcx\/sgov\/quote\" rel=\"noopener\" target=\"_blank\">SGOV<\/a>) has a 3.85% 30-day SEC yield (0.09% expense ratio) and effective duration of 0.10 years.  SPDR Bloomberg Barclays 1-3 Month T-Bill ETF (<a href=\"https:\/\/www.morningstar.com\/etfs\/arcx\/bil\/quote\" rel=\"noopener noreferrer\" target=\"_blank\">BIL<\/a>) has a 3.71% 30-day SEC yield (0.136% expense ratio) and effective duration of 0.15 years.  The new Vanguard 0-3 Month Treasury Bill ETF (<a href=\"https:\/\/www.morningstar.com\/etfs\/xnas\/vbil\/quote\" target=\"_blank\">VBIL<\/a>) has a 3.89% 30-day SEC yield (0.07% expense ratio) and effective duration of 0.10 years.<\/li>\n<\/ul>\n<p><strong>US Savings Bonds<\/strong><br \/><a href=\"https:\/\/www.treasurydirect.gov\/indiv\/research\/indepth\/ibonds\/res_ibonds.htm\">Series I Savings Bonds<\/a> offer rates that are linked to inflation and backed by the US government. You must hold them for at least a year. If you redeem them within 5 years there is a penalty of the last 3 months of interest.  The annual purchase limit for electronic I bonds is $10,000 per Social Security Number, available online at TreasuryDirect.gov. <\/p>\n<ul>\n<li>\u201cI Bonds\u201d bought between November 2025 and April 2026 will earn a <strong>4.03% rate for the first six months<\/strong>. The rate of the subsequent 6-month period will be based on inflation again.  <a href=\"http:\/\/www.mymoneyblog.com\/category\/savings-bonds\">More on Savings Bonds here<\/a>.<\/li>\n<li>In mid-April 2026, the CPI will be announced and you will have a short period where you will have a very close estimate of the rate for the next 12 months.  I will post another update at that time.<\/li>\n<\/ul>\n<p><strong>Rewards checking accounts<\/strong><br \/>These unique checking accounts pay above-average interest rates, but with unique risks. You have to jump through certain hoops which usually involve 10+ debit card purchases each cycle, a certain number of ACH\/direct deposits, and\/or a certain number of logins per month.  If you make a mistake (or they judge that you did) you risk earning zero interest for that month. Some folks don\u2019t mind the extra work and attention required, while others would rather not bother.  Rates can also drop suddenly, leaving a \u201cbait-and-switch\u201d feeling.  <\/p>\n<ul>\n<li><a href=\"https:\/\/www.beonpath.org\/personal\/checking-new-\/high-yield-rewards-checking\/\" rel=\"noopener\" target=\"_blank\">OnPath Federal Credit Union<\/a> (<a href=\"https:\/\/www.mymoneyblog.com\/onpath-federal-credit-union-7-apy-rewards-checking-referral-bonus.html\" rel=\"noopener\" target=\"_blank\">my review<\/a>) pays <strong>6.00% APY on up to $10,000<\/strong> if you make 15 debit card purchases, opt into online statements, and login to online or mobile banking once per statement cycle. Anyone can join this credit union via $5 membership fee to join partner organization.  You can also get a <a href=\"https:\/\/io.referlive.com\/TpkSdU\" rel=\"noopener\" target=\"_blank\"><strong>$150<\/strong> Visa Reward card<\/a> when you open a new account and make qualifying transactions.<\/li>\n<li><a href=\"https:\/\/www.genisyscu.org\/accounts\/checking\/geniuschecking\" rel=\"noopener\" target=\"_blank\">Genisys Credit Union<\/a> pays <strong>6.75% APY on up to $7,500<\/strong> if you make 10 debit card purchases of $5+ each per statement cycle, and opt into online statements.  Anyone can join this credit union via $5 membership fee to join partner organization.<\/li>\n<li><a href=\"https:\/\/www.oklahomacentral.creditunion\/checking\" rel=\"noopener\" target=\"_blank\">Oklahoma Central Credit Union<\/a> pays 6.00% APY on up to $10,000 if you make 15 debit card purchases (non-ATM) per statement cycle. Anyone can join this credit union if they are \u201caffiliated with another credit union\u201d.<\/li>\n<li><a href=\"https:\/\/www.lacapfcu.org\/choice-checking\" rel=\"noopener\" target=\"_blank\">La Capitol Federal Credit Union<\/a> pays 5.75% APY on up to $10,000 if you make 15 debit card purchases of at least $5 each per statement cycle. Anyone can join this credit union via partner organization, Louisiana Association for Personal Financial Achievement ($20).<\/li>\n<li><a href=\"https:\/\/www.firstsouthern.com\/kasasa-cash\/\" rel=\"noopener\" target=\"_blank\">First Southern Bank<\/a> pays 5.50% APY on up to $25,000 if you make at least 15 debit card purchases, 1 ACH credit or payment transaction, and enroll in online statements.<\/li>\n<li><a href=\"https:\/\/www.cunj.com\/bank\/personal-banking\/checking\/kasasa-cash-checking\/\" rel=\"noopener\" target=\"_blank\">Credit Union of New Jersey<\/a> pays 6.00% APY on up to $25,000 if you make 12 debit card purchases, opt into online statements, and make at least 1 direct deposit, online bill payment, or automatic payment (ACH) per statement cycle. Anyone can join this credit union via $5 membership fee to join partner organization.<\/li>\n<li><a href=\"https:\/\/www.andrewsfcu.org\/Bank\/Spending\/Personal-Checking\/Kasasa-Cash-Checking\" rel=\"noopener\" target=\"_blank\">Andrews Federal Credit Union<\/a> pays 5.50% APY (down from 6%) on up to $25,000 if you make 15 debit card purchases, opt into online statements, and make at least 1 direct deposit or ACH transaction per statement cycle. Anyone can join this credit union via partner organization.<\/li>\n<li>Find a locally-restricted rewards checking account at <a href=\"https:\/\/www.depositaccounts.com\/checking\/reward-checking-accounts.html\" target=\"_blank\" rel=\"noopener noreferrer\">DepositAccounts<\/a>.<\/li>\n<\/ul>\n<p><strong>Certificates of deposit (greater than 1 year)<\/strong><br \/>CDs offer higher rates, but come with an early withdrawal penalty.  By finding a bank CD with a reasonable early withdrawal penalty, you can enjoy higher rates but maintain access in a true emergency.   Alternatively, consider building a CD ladder of different maturity lengths (ex. 1\/2\/3\/4\/5-years) such that you have access to part of the ladder each year, but your blended interest rate is higher than a savings account.   When one CD matures, use that money to buy another 5-year CD to keep the ladder going.   Some CDs also offer \u201cadd-ons\u201d where you can deposit more funds if rates drop. <\/p>\n<ul>\n<li><a href=\"https:\/\/www.unitedfidelity.com\/high-yield-certificates-of-deposit\/\" rel=\"noopener noreferrer\" target=\"_blank\">United Fidelity Bank<\/a> has a 5-year certificate at <strong>4.25% APY<\/strong> ($1,000 minimum), 4-year at 4.20% APY, 3-year at 4.20% APY, 2-year at 4.25% APY, and 1.5-year at 4.15% APY.   Early withdrawal penalties are not disclosed clearly online.<\/li>\n<li><a href=\"https:\/\/www.macu.com\/accounts\/savings\/certificate-accounts\" rel=\"noopener noreferrer\" target=\"_blank\">Mountain America Credit Union (MACU)<\/a> has a 5-year certificate at <strong>4.00% APY<\/strong> ($500 minimum), 4-year at 4.00% APY, 3-year at 4.05% APY, 2-year at 4.20% APY, and 1-year at 3.85% APY.   Early withdrawal penalty for the 4-year and 5-year is 365 days of interest.   Anyone can join this credit union via partner organization American Consumer Council (use promo code \u201cconsumer\u201d when joining).<\/li>\n<li>You can buy certificates of deposit via the bond desks of <a href=\"https:\/\/investor.vanguard.com\/investment-products\/cds\" target=\"_blank\" rel=\"noopener noreferrer\">Vanguard<\/a> and <a href=\"https:\/\/fixedincome.fidelity.com\/ftgw\/fi\/FILanding#tbcds\" target=\"_blank\" rel=\"noopener noreferrer\">Fidelity<\/a>.   You may need an account to see the rates.  These \u201cbrokered CDs\u201d offer FDIC insurance and easy laddering, but they don\u2019t come with predictable early withdrawal penalties.  Right now, I see a 5-year <strong>non-callable<\/strong> brokered CD at <strong>3.90% APY<\/strong> (callable: no, call protection: yes).  Be warned that both Vanguard and Fidelity will list higher rates from <em>callable<\/em> CDs, which importantly means they can (and will!) call back your CD if rates drop significantly later.<\/li>\n<\/ul>\n<p><strong>Longer-term Instruments<\/strong><br \/>I\u2019d use these with caution due to increased interest rate risk (tbh, I don\u2019t use them at all), but I still track them to see the rest of the current yield curve.<\/p>\n<ul>\n<li><strong>Willing to lock up your money for 10 years?<\/strong> You can buy long-term certificates of deposit via the bond desks of <a href=\"https:\/\/investor.vanguard.com\/investment-products\/cds\" target=\"_blank\" rel=\"noopener noreferrer\">Vanguard<\/a> and <a href=\"https:\/\/fixedincome.fidelity.com\/ftgw\/fi\/FILanding#tbcds\" target=\"_blank\" rel=\"noopener noreferrer\">Fidelity<\/a>. These \u201cbrokered CDs\u201d offer FDIC insurance, but they don\u2019t come with predictable early withdrawal penalties.   You might find something that pays more than your other brokerage cash and Treasury options.  Right now, I see a 10-year CDs at 4.00% (non-callable) vs. 4.13% for a <a href=\"https:\/\/home.treasury.gov\/resource-center\/data-chart-center\/interest-rates\/TextView?type=daily_treasury_yield_curve&amp;field_tdr_date_value=2025\" rel=\"noopener\" target=\"_blank\">10-year Treasury<\/a>.  Watch out for higher rates from <em>callable<\/em> CDs where they can call your CD back if interest rates drop.<\/li>\n<\/ul>\n<p>All rates were checked as of 12\/5\/25.<\/p>\n<p><strong>*<\/strong> I <a href=\"https:\/\/www.mymoneyblog.com\/fintechs-missing-100-million-of-deposits-gets-more-mainstream-media-attention.html\" rel=\"noopener\" target=\"_blank\">no longer recommend fintech companies<\/a> due to the possibility of significant loss due to poor recordkeeping and the lack of government protection in such scenarios.   The point of cash is absolute safety of principal.<\/p>\n<p>Photo by <a href=\"https:\/\/unsplash.com\/@giorgiotrovato?utm_content=creditCopyText&amp;utm_medium=referral&amp;utm_source=unsplash\">Giorgio Trovato<\/a> on <a href=\"https:\/\/unsplash.com\/photos\/100-us-dollar-bill-BRl69uNXr7g?utm_content=creditCopyText&amp;utm_medium=referral&amp;utm_source=unsplash\">Unsplash<\/a><\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Here\u2019s my monthly survey of the best interest rates on cash as of December 2025, roughly sorted from shortest to longest maturities. Banks and brokerages love taking advantage of idle cash, and you can often earning more money while keeping the same level of safety by moving to another FDIC-insured bank or NCUA-insured credit union. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":335650,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[11074,2331,10952,3767,3764,11685,11715,832,11220],"dealstore":[],"offerexpiration":[],"class_list":["post-335649","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-accounts","tag-bank","tag-bills","tag-blog","tag-december","tag-etfs","tag-markets","tag-money","tag-treasury"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank Accounts, Treasury Bills, Money Markets, ETFs \u2013 December 2025 \u2014 My Money Blog - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=335649\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank Accounts, Treasury Bills, Money Markets, ETFs \u2013 December 2025 \u2014 My Money Blog - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Here\u2019s my monthly survey of the best interest rates on cash as of December 2025, roughly sorted from shortest to longest maturities. Banks and brokerages love taking advantage of idle cash, and you can often earning more money while keeping the same level of safety by moving to another FDIC-insured bank or NCUA-insured credit union. 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