About YieldFinder

We collect public rates daily where possible and use the latest accepted observation for each product or CD term. Sources include provider rate pages, product disclosures, fund sponsor pages, and official Treasury data. Account requirements and bonus terms also need manual review.

The date beside a comparison reflects the rate data, not a review of every account term. Individual dates and sources are available in product details. Check the provider’s current terms before opening an account.

Missing information stays unknown. We withhold rates or charts when the source, product, or rate tier is uncertain. Charts show observed advertised rates, not realized returns; changes are measured in percentage points. Missing days are not new observations.

Coverage is limited to the products we track. YieldFinder is a comparison site, not a bank or brokerage.

Savings accounts are ranked by APY, and CDs by APY within each term. Funds use provider-reported SEC yields. Treasuries are shown by maturity and par yield. Sponsorship does not affect these rankings or the after-tax calculations.

APY includes compounding. Money-market mutual funds generally report a 7-day SEC yield; Treasury and short-term bond ETFs may report a 30-day SEC yield. Treasury par yields describe the Treasury curve. These measures are different, so we retain the product’s yield label.

Deposit requirements, fees, balance caps, and other rate conditions appear where available. We generally exclude offers whose headline APY applies only to a balance below $10,000.

Products also differ in access to cash, market risk, and insurance. Private insurance is separate from FDIC or NCUA coverage. SIPC protection does not insure investment returns.

The after-tax comparison subtracts estimated federal and state tax from each yield using your selected balance, marginal federal rate, state, and state tax assumption. Estimated annual income is your balance multiplied by the after-tax yield.

Savings and CD interest are treated as ordinary taxable interest. Direct Treasury interest is federally taxable and exempt from state income tax. Fund distributions use available fund-specific tax allocations and applicable state rules; municipal funds can have federal or state exemptions and AMT exposure.

Products appear only when enough rate and tax data is available. Estimates do not calculate your tax return or account for deductions, local taxes, AMT liability, timing differences, or account-specific reporting.