Uninvested cash
Cash rates
- Providers with recorded rates
- 18
- Observations within seven days
- 17
This leaderboard sorts covered brokers and fintech cash accounts by the current advertised rate paid on uninvested cash. Rates come from each provider’s public page, and each rate carries the date Lefomi observed it. Rates can change any day and may depend on balance, account type, or opting into a sweep or fund. Money market funds are investments, not insured deposits. Lefomi is an independent information site, not a bank, rating agency, or financial adviser, and this list is an observation, not a recommendation.
Observed rates
| Provider and product | Observed rate | Last verified |
|---|---|---|
| Raisin marketplace, top listed high-yield savings account Last verified: October 28, 2026 | 4.30% | October 28, 2026 |
| Vanguard Vanguard Federal Money Market Fund (VMFXX) settlement fund, 7-day SEC yield Last verified: October 28, 2026 | 3.87% | October 28, 2026 |
| moomoo cash sweep (qualified users) Last verified: October 28, 2026 | 3.60% | October 28, 2026 |
| Robinhood Gold brokerage cash sweep (Gold subscription) Last verified: October 28, 2026 | 3.60% | October 28, 2026 |
| Webull cash management (Premium subscription) Last verified: October 28, 2026 | 3.60% | October 28, 2026 |
| Acorns Emergency Savings (Mighty Oak) Last verified: October 28, 2026 | 3.59% | October 28, 2026 |
| Wealthfront Cash Account (base rate) Last verified: October 28, 2026 | 3.55% | October 28, 2026 |
| Fidelity Fidelity Government Money Market Fund (SPAXX) core position, 7-day yield Last verified: October 28, 2026 | 3.53% | October 28, 2026 |
| Betterment Cash Reserve (base rate, without promotional boost) Last verified: October 28, 2026 | 3.50% | October 28, 2026 |
| Cash App savings (Green status tier) Last verified: October 28, 2026 | 3.50% | October 28, 2026 |
| Marcus by Goldman Sachs Online Savings Account Last verified: October 28, 2026 | 3.50% | October 28, 2026 |
| Charles Schwab bank sweep (default) Last verified: October 28, 2026 | 3.47% | October 28, 2026 |
| Interactive Brokers opt-in interest on uninvested cash (above $10,000) Last verified: October 28, 2026 | 3.38% | October 28, 2026 |
| M1 high-yield cash account Last verified: October 28, 2026 | 3.35% | October 28, 2026 |
| Public high-yield cash account Last verified: October 16, 2026 Stale | 3.30% | October 16, 2026 Stale |
| Ally Bank Savings Account Last verified: October 28, 2026 | 3.20% | October 28, 2026 |
| Capital One 360 360 Performance Savings Last verified: October 28, 2026 | 3.20% | October 28, 2026 |
| Merrill Edge Merrill Lynch Bank Deposit Program sweep (tier 1, under $250,000) Last verified: October 28, 2026 | 0.01% | October 28, 2026 |
Cash rate gap calculator
The calculator multiplies the entered balance by the highest recently observed rate minus the entered rate, for one year. This simple arithmetic excludes compounding (interest earned on earlier interest), fees and taxes. A negative result is valid when the entered rate is higher. Observed rates can change; product eligibility and terms differ. The result is neither a recommendation nor a predicted return.
Sources and related records
- Source
- Provider rate pages
- Check schedule
- Daily