Key Takeaways
- Savers still benefit from high cash yields due to the Fed’s extended rate pause.
- The best high-yield savings and money market accounts pay up to 5.00% APY this week.
- The top CD rate is currently 4.60% APY, while Treasury yields reach 4.92%.
- Depending on whether you deposit $25,000, $50,000, or $75,000, you could generate hundreds or thousands of dollars in interest in just six months.
- Our tables below show the highest-yielding options across banks, credit unions, brokerages, robo-advisors, and U.S. Treasuries.
Cash Yields Are Up to 5.00%—But For How Long?
With market uncertainty and talk of Federal Reserve rate cuts later this year, keeping cash in the right place has never been more important.
The CME Group’s FedWatch Tool (source) currently shows:
- 85% chance of a rate cut at the September 16–17, 2025 meeting.
- 93% chance of another cut in late October.
That means your window to lock in today’s best savings, CD, and Treasury yields could be closing soon.
👉 Even before the Fed acts, banks and brokerages typically begin lowering deposit rates.
How Much Interest Could You Earn Right Now?
Here’s what you could make in six months by placing $25,000, $50,000, or $75,000 into today’s top-paying accounts.
Six-Month Earnings by Balance & Rate
| APY | $25K (6 mo) | $50K (6 mo) | $75K (6 mo) |
|---|---|---|---|
| 4.00% | $495 | $990 | $1,485 |
| 4.25% | $526 | $1,051 | $1,577 |
| 4.50% | $556 | $1,113 | $1,669 |
| 4.75% | $587 | $1,174 | $1,761 |
| 5.00% | $617 | $1,235 | $1,852 |
📌 Note: Savings, MMAs, and cash management account rates are variable. CDs and Treasuries allow you to lock in a fixed rate, protecting you from future Fed cuts.
This Week’s Highest-Paying Cash Options
1. Bank & Credit Union Accounts
- High-Yield Savings Accounts (HYSA): Up to 5.00% APY. (Compare top HYSAs)
- Money Market Accounts (MMA): Also reaching 5.00% APY with added check-writing privileges.
- Certificates of Deposit (CDs): Best rate sits at 4.60% APY (guaranteed return, but penalties for early withdrawal).
2. Brokerage & Robo-Advisor Cash Accounts
- Money Market Funds: Yields currently range from 3.96%–4.22%.
- Cash Management Accounts: Paying 3.83%–4.00% APY depending on the broker.
3. U.S. Treasury Products
- Treasury Bills, Notes, and Bonds: Yields span 3.73%–4.92%, purchased via TreasuryDirect.
- I Bonds: Paying 3.98% for new purchases issued May–October 2025. Rates reset every six months and adjust with inflation.
Which Option Is Right for You?
- Need liquidity? → Choose a high-yield savings or money market account.
- Want predictability? → Lock into a CD or T-bill before rates decline.
- Looking for inflation protection? → Consider I Bonds.
No matter the choice, moving $25K–$75K into one of today’s best-yielding accounts ensures your money works harder—while minimizing risk.
The Bottom Line
If you have $25,000, $50,000, or $75,000 in cash, don’t let it sit idle. With rates still near historic highs, you can earn hundreds to thousands of dollars in just six months by putting funds into the right account.
But don’t wait too long—once the Fed begins cutting rates, today’s top yields could disappear.