Your idle cash is earning $95 a year

In an average savings account (0.38%), $25,000 earns $95 a year. In 3-month Treasury bills (4.16%), it earns $1,040.

$945a year your $25,000 isn’t earning

@sharedot10h

Where $25,000 earns the most

Treasury and Ally rates from November 9, 2026. National averages from the FDIC, October 19.

3-month Treasury bill4.16%

Ally online savings3.20%

Money market (FDIC avg)0.63%

Savings (FDIC avg)0.38%

Interest checking (avg)0.07%

T-bills are up in 2026

The 3-month T-bill yield on the first business day of each month, from 3.62% in January to 4.10% on October 1 — then 4.16% by November 9. The Fed last raised rates on September 16.

4.163.893.62

Jan 2Nov 9

Hear the day it changes

Every morning your agent checks the best rate for idle cash and tells you only when it moved.

Best rate for idle cashEvery morning · 7:00 AM

Alerts live in the app.

Sources

This one wasn’t built for you. The next one is.

Nobody wrote this. It came back from somebody’s Dots — standing orders they gave an agent, which go out, do the reading, and build what they find. Theirs are pointed at what they care about. Yours would be pointed at you.

Build your Dots. A market, a field, a question — anything you want to get good at.
They go. Research across the web and your accounts, checked against the sources.
They keep going. When something changes, your page updates and you hear about it.

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