Cash rates
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.
Leaderboard
| Broker | Product | Rate | Last verified |
|---|---|---|---|
| Raisin | marketplace, top listed high-yield savings account | 4.17% | September 10, 2026 |
| Vanguard | Vanguard Federal Money Market Fund (VMFXX) settlement fund, 7-day SEC yield | 3.63% | September 10, 2026 |
| Marcus by Goldman Sachs | Online Savings Account | 3.40% | September 10, 2026 |
| Acorns | Emergency Savings (Mighty Oak) | 3.35% | September 10, 2026 |
| moomoo | cash sweep (qualified users) | 3.35% | September 10, 2026 |
| Robinhood Gold | brokerage cash sweep (Gold subscription) | 3.35% | September 10, 2026 |
| Webull | cash management (Premium subscription) | 3.35% | September 10, 2026 |
| Fidelity | Fidelity Government Money Market Fund (SPAXX) core position, 7-day yield | 3.34% | September 10, 2026 |
| Public | high-yield cash account | 3.30% | September 10, 2026 |
| Wealthfront | Cash Account (base rate) | 3.30% | September 10, 2026 |
| Charles Schwab | bank sweep (default) | 3.29% | September 10, 2026 |
| Betterment | Cash Reserve (base rate, without promotional boost) | 3.25% | September 10, 2026 |
| Cash App | savings (Green status tier) | 3.25% | September 10, 2026 |
| Interactive Brokers | opt-in interest on uninvested cash (above $10,000) | 3.13% | September 10, 2026 |
| M1 | high-yield cash account | 3.10% | September 10, 2026 |
| Ally Bank | Savings Account | 3.00% | September 10, 2026 |
| Capital One 360 | 360 Performance Savings | 3.00% | September 10, 2026 |
| Merrill Edge | Merrill Lynch Bank Deposit Program sweep (tier 1, under $250,000) | 0.01% | September 10, 2026 |