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Idle cash rate
By @sharedot · · 4 pages
Your idle cash is earning $92.50 a year
$953a year your $25,000 isn’t earning
In an average savings account (0.37%), $25,000 earns $92.50 a year. In 3-month Treasury bills (4.18%), it earns $1,045.
Where $25,000 earns the most
- 3-month Treasury bill — 4.18%
- Ally online savings — 3.10%
- Money market (FDIC avg) — 0.63%
- Savings (FDIC avg) — 0.37%
- Interest checking (avg) — 0.07%
The Treasury rate from September 24, 2026, Ally’s from September 25. National averages from the FDIC, September 21.
T-bills jumped in September
The 3-month T-bill yield on the first business day of each month, from 3.62% in January to 3.87% on September 1 — then 4.18% by September 24, after the Fed raised rates a quarter point on September 16.
Hear the day it changes
Every morning your agent checks the best rate for idle cash and tells you only when it moved.