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After-Tax Yield Calculator

Compare post-tax income from savings, CDs, Treasuries, and money-market funds using federal and state assumptions.

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Rates last updated: May 16, 2026·Methodology

Assumptions

$100,000 · Fed 24% · Federal-only estimate

Marginal federal rate
%
State
Federal-only estimate — select a state to include state income tax.
98 results
#1Pibank

Savings

3.34%
after-tax
Pre-tax
4.40%
Est. income
$3,344
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#2OnPath Credit Union

Savings

3.23%
after-tax
Pre-tax
4.25%
Est. income
$3,230
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#3CineFi

Savings

3.23%
after-tax
Pre-tax
4.25%
Est. income
$3,230
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#4Axos

Savings

3.20%
after-tax
Pre-tax
4.21%
Est. income
$3,200
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#5Newtek Bank

Savings

3.19%
after-tax
Pre-tax
4.20%
Est. income
$3,192
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#6Raisin

Savings

3.12%
after-tax
Pre-tax
4.10%
Est. income
$3,116
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#7316 Financial

Savings

3.08%
after-tax
Pre-tax
4.05%
Est. income
$3,078
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#8Vio Bank Online Savings

Vio Bank · Savings

3.06%
after-tax
Pre-tax
4.03%
Est. income
$3,063
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#9TotalBank

Savings

3.05%
after-tax
Pre-tax
4.01%
Est. income
$3,048
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#10Climate First Bank

Savings

3.05%
after-tax
Pre-tax
4.01%
Est. income
$3,048
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#11Lending Club

Savings

3.04%
after-tax
Pre-tax
4.00%
Est. income
$3,040
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#12Brilliant Bank

Savings

3.04%
after-tax
Pre-tax
4.00%
Est. income
$3,040
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#13Bread Financial

Savings

3.04%
after-tax
Pre-tax
4.00%
Est. income
$3,040
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#14Openbank

Savings

3.04%
after-tax
Pre-tax
4.00%
Est. income
$3,040
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#15Timbr Financial

Savings

3.00%
after-tax
Pre-tax
3.95%
Est. income
$3,002
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#16Ever Bank

Savings

2.96%
after-tax
Pre-tax
3.90%
Est. income
$2,964
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#17Popular Direct

Savings

2.96%
after-tax
Pre-tax
3.90%
Est. income
$2,964
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#18Zynlo

Savings

2.96%
after-tax
Pre-tax
3.90%
Est. income
$2,964
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#19My Banking Direct

Savings

2.96%
after-tax
Pre-tax
3.90%
Est. income
$2,964
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#20Forbright Bank

Savings

2.93%
after-tax
Pre-tax
3.85%
Est. income
$2,926
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#21Oloy Bank

Savings

2.93%
after-tax
Pre-tax
3.85%
Est. income
$2,926
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#22Ivy Bank

Savings

2.93%
after-tax
Pre-tax
3.85%
Est. income
$2,926
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#23Peak Bank

Savings

2.90%
after-tax
Pre-tax
3.82%
Est. income
$2,903
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#24U.S. Treasury 1 Year

Treasury

2.90%
after-tax
Pre-tax
3.82%
Est. income
$2,903
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: May 15, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#25CFG Bank

Savings

2.89%
after-tax
Pre-tax
3.80%
Est. income
$2,888
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#26Live Oak Bank

Savings

2.89%
after-tax
Pre-tax
3.80%
Est. income
$2,888
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#27Quontic

Savings

2.89%
after-tax
Pre-tax
3.80%
Est. income
$2,888
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#28Colorado Federal Bank

Savings

2.89%
after-tax
Pre-tax
3.80%
Est. income
$2,888
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#29U.S. Treasury 6 Month

Treasury

2.87%
after-tax
Pre-tax
3.77%
Est. income
$2,865
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: May 15, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#30U.S. Treasury 4 Month

Treasury

2.86%
after-tax
Pre-tax
3.76%
Est. income
$2,858
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: May 15, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#31Chime

Savings

2.85%
after-tax
Pre-tax
3.75%
Est. income
$2,850
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#32BrioDirect

Savings

2.85%
after-tax
Pre-tax
3.75%
Est. income
$2,850
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#33CIT Bank

Savings

2.85%
after-tax
Pre-tax
3.75%
Est. income
$2,850
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#34Barclays

Savings

2.85%
after-tax
Pre-tax
3.75%
Est. income
$2,850
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#35Bask Bank

Savings

2.85%
after-tax
Pre-tax
3.75%
Est. income
$2,850
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#36Prime Alliance Bank

Savings

2.85%
after-tax
Pre-tax
3.75%
Est. income
$2,850
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#37First Foundation Bank

Savings

2.85%
after-tax
Pre-tax
3.75%
Est. income
$2,850
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#38U.S. Treasury 1 Month

Treasury

2.82%
after-tax
Pre-tax
3.71%
Est. income
$2,820
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: May 15, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#39Eagle Bank

Savings

2.81%
after-tax
Pre-tax
3.70%
Est. income
$2,812
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#40U.S. Treasury 1.5 Month

Treasury

2.81%
after-tax
Pre-tax
3.70%
Est. income
$2,812
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: May 15, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#41U.S. Treasury 2 Month

Treasury

2.80%
after-tax
Pre-tax
3.69%
Est. income
$2,804
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: May 15, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#42U.S. Treasury 3 Month

Treasury

2.80%
after-tax
Pre-tax
3.69%
Est. income
$2,804
Fed taxable
100%
State taxable
0%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 0%
State marginal rate: 0%
Yield basis: Par yield
Rate date: May 15, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#43iShares Prime Money Market ETF

PMMF · BlackRock · Money Market

2.77%
after-tax
Pre-tax
3.65%
Est. income
$2,774
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Prime money-market fund dividends; state exemption uses reviewed fund-specific U.S. government obligation allocation data when available.
U.S. government obligations: 0.09% (2025).
State-tax exclusion is not applied until a state is selected.
iShares reports PMMF ordinary dividends derived from U.S. government obligations at 0.09%.
#44Tab Bank

Savings

2.74%
after-tax
Pre-tax
3.61%
Est. income
$2,744
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#45Roger

Savings

2.74%
after-tax
Pre-tax
3.61%
Est. income
$2,744
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#46Vanguard Treasury

VUSXX · Vanguard · Money Market

2.74%
after-tax
Pre-tax
3.61%
Est. income
$2,744
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Treasury money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 100% (2025).
State-tax exclusion is not applied until a state is selected.
Vanguard marked this fund as meeting the CA, CT, and NY threshold requirements.
#47Vio Bank

Savings

2.74%
after-tax
Pre-tax
3.60%
Est. income
$2,736
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#48WisdomTree Floating Rate

USFR · WisdomTree · Money Market

2.73%
after-tax
Pre-tax
3.59%
Est. income
$2,728
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Treasury ETF distributions; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 99.95% (2025).
State-tax exclusion is not applied until a state is selected.
Underlying source reports 99.9523%; rounded to two decimals for the modeled allocation.
#49Vanguard 0-3 Month Treasury

VBIL · Vanguard · Money Market

2.73%
after-tax
Pre-tax
3.59%
Est. income
$2,728
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Treasury ETF distributions; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 100% (2025).
State-tax exclusion is not applied until a state is selected.
Vanguard marked this fund as meeting the CA, CT, and NY threshold requirements.
#50iShares Treasury Floating Rate

TFLO · BlackRock · Money Market

2.73%
after-tax
Pre-tax
3.59%
Est. income
$2,728
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Treasury ETF distributions; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 99.21% (2025).
State-tax exclusion is not applied until a state is selected.
BlackRock marked this fund as meeting the quarterly federal-obligations threshold.
#51Vanguard Cash Reserves Federal

VMRXX · Vanguard · Money Market

2.71%
after-tax
Pre-tax
3.56%
Est. income
$2,706
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Money-market fund dividends; U.S. government obligation state exclusion requires fund-specific annual allocation data.
U.S. government obligations: 69.58% (2025).
State-tax exclusion is not applied until a state is selected.
Vanguard marked this fund as meeting the CA, CT, and NY threshold requirements.
#52Vanguard Federal

VMFXX · Vanguard · Money Market

2.70%
after-tax
Pre-tax
3.55%
Est. income
$2,698
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Government money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 66.61% (2025).
State-tax exclusion is not applied until a state is selected.
Vanguard marked this fund as meeting the CA, CT, and NY threshold requirements.
#53iShares 0-3 Month Treasury

SGOV · BlackRock · Money Market

2.70%
after-tax
Pre-tax
3.55%
Est. income
$2,698
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Treasury ETF distributions; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 95.14% (2025).
State-tax exclusion is not applied until a state is selected.
BlackRock marked this fund as meeting the quarterly federal-obligations threshold.
#54SalemFivedirect

Savings

2.67%
after-tax
Pre-tax
3.51%
Est. income
$2,668
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#55SPDR 1-3 Month T-Bill ETF

BIL · State Street · Money Market

2.67%
after-tax
Pre-tax
3.51%
Est. income
$2,668
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Treasury ETF distributions; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 97.26% (2025).
State-tax exclusion is not applied until a state is selected.
Percentage loaded from State Street/SPDR source document, Secondary Layout sheet, column "% of Income From Federal Securities".
#56Northern Bank Direct

Savings

2.66%
after-tax
Pre-tax
3.50%
Est. income
$2,660
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#57Marcus

Savings

2.66%
after-tax
Pre-tax
3.50%
Est. income
$2,660
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#58Fidelity Prime Premium

FZDXX · Fidelity · Money Market

2.64%
after-tax
Pre-tax
3.47%
Est. income
$2,637
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Prime money-market fund dividends; state exemption uses reviewed fund-specific U.S. government obligation allocation data when available.
U.S. government obligations: 14.56% (2025).
State-tax exclusion is not applied until a state is selected.
Fidelity reports FZDXX eligible income from U.S. government securities at 14.56%.
#59iShares Gov Money Market ETF

GMMF · BlackRock · Money Market

2.63%
after-tax
Pre-tax
3.46%
Est. income
$2,630
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Government money-market ETF dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 56.43% (2025).
State-tax exclusion is not applied until a state is selected.
BlackRock marked this fund as meeting the quarterly federal-obligations threshold.
#60Schwab Value Advantage

SWVXX · Schwab · Money Market

2.62%
after-tax
Pre-tax
3.45%
Est. income
$2,622
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Prime money-market fund dividends; modeled fully taxable for federal and state income tax.
#61Synchrony

Savings

2.58%
after-tax
Pre-tax
3.40%
Est. income
$2,584
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#62Schwab U.S. Treasury

SNSXX · Schwab · Money Market

2.55%
after-tax
Pre-tax
3.36%
Est. income
$2,554
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Treasury money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 99.99% (2025).
State-tax exclusion is not applied until a state is selected.
Percentage applies to all share classes.
#63Schwab Government

SNVXX · Schwab · Money Market

2.54%
after-tax
Pre-tax
3.34%
Est. income
$2,538
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Government money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 36.2% (2025).
State-tax exclusion is not applied until a state is selected.
Percentage applies to all share classes.
#64Schwab Treasury Obligations

SNOXX · Schwab · Money Market

2.54%
after-tax
Pre-tax
3.34%
Est. income
$2,538
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Treasury money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 31.3% (2025).
State-tax exclusion is not applied until a state is selected.
Percentage applies to all share classes.
#65Fidelity Money Market

SPRXX · Fidelity · Money Market

2.52%
after-tax
Pre-tax
3.32%
Est. income
$2,523
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Prime money-market fund dividends; state exemption uses reviewed fund-specific U.S. government obligation allocation data when available.
U.S. government obligations: 14.56% (2025).
State-tax exclusion is not applied until a state is selected.
Fidelity reports SPRXX eligible income from U.S. government securities at 14.56%.
#66Wealthfront

Savings

2.51%
after-tax
Pre-tax
3.30%
Est. income
$2,508
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#67SoFi

Savings

2.51%
after-tax
Pre-tax
3.30%
Est. income
$2,508
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#68Public

Savings

2.51%
after-tax
Pre-tax
3.30%
Est. income
$2,508
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#69Fidelity Treasury Only

FDLXX · Fidelity · Money Market

2.49%
after-tax
Pre-tax
3.27%
Est. income
$2,485
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Treasury money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 98.67% (2025).
State-tax exclusion is not applied until a state is selected.
All share classes are reported under Various symbols in the Fidelity source.
#70UFB Direct

Savings

2.48%
after-tax
Pre-tax
3.26%
Est. income
$2,478
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#71Fidelity Cash Management

Fidelity · Savings

2.48%
after-tax
Pre-tax
3.26%
Est. income
$2,478
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#72Fidelity Government

SPAXX · Fidelity · Money Market

2.48%
after-tax
Pre-tax
3.26%
Est. income
$2,478
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
Government money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 50.9% (2025).
State-tax exclusion is not applied until a state is selected.
All share classes are reported under Various symbols in the Fidelity source.
#73Betterment

Savings

2.47%
after-tax
Pre-tax
3.25%
Est. income
$2,470
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#74Etrade

Savings

2.47%
after-tax
Pre-tax
3.25%
Est. income
$2,470
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#75American Express

Savings

2.43%
after-tax
Pre-tax
3.20%
Est. income
$2,432
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#76BMO Alto

Savings

2.39%
after-tax
Pre-tax
3.15%
Est. income
$2,394
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#77Citizens Access

Citizens Bank · Savings

2.39%
after-tax
Pre-tax
3.15%
Est. income
$2,394
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#78Ally

Savings

2.36%
after-tax
Pre-tax
3.10%
Est. income
$2,356
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#79Capital One

Savings

2.36%
after-tax
Pre-tax
3.10%
Est. income
$2,356
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#80M1

Savings

2.36%
after-tax
Pre-tax
3.10%
Est. income
$2,356
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#81Vanguard Cash Plus

Vanguard · Savings

2.36%
after-tax
Pre-tax
3.10%
Est. income
$2,356
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#82Vanguard Municipal

VMSXX · Vanguard · Money Market

2.35%
after-tax
Pre-tax
2.35%
Est. income
$2,350
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
National municipal money-market fund; federal exempt-interest treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
AMT percentage is sourced from Vanguard 2025 Alternative minimum tax tax-preference dividends by fund.
12.45% private activity bond AMT exposure is not modeled.
#83Vanguard New York Municipal

VYFXX · Vanguard · Money Market

2.32%
after-tax
Pre-tax
2.32%
Est. income
$2,320
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
New York municipal money-market fund; tax treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
AMT percentage is sourced from Vanguard 2025 Alternative minimum tax tax-preference dividends by fund.
11.37% private activity bond AMT exposure is not modeled.
#84Alliant Credit Union

Savings

2.29%
after-tax
Pre-tax
3.01%
Est. income
$2,288
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#85HUSTL

Savings

2.28%
after-tax
Pre-tax
3.00%
Est. income
$2,280
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#86Fidelity Municipal

FTEXX · Fidelity · Money Market

2.15%
after-tax
Pre-tax
2.15%
Est. income
$2,150
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
National municipal money-market fund; federal exempt-interest treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
Federal exempt-interest treatment is sourced from Fidelity tax-exempt income guidance; AMT percentage is from the Fidelity 2025 AMT supplemental letter.
50.93% private activity bond AMT exposure is not modeled.
#87Schwab Municipal

SWTXX · Schwab · Money Market

2.06%
after-tax
Pre-tax
2.06%
Est. income
$2,060
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
National municipal money-market fund; federal exempt-interest treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
Schwab reports 2025 state-by-state exempt-interest income percentages for SWTXX/SWOXX.
#88PenFed

Savings

2.05%
after-tax
Pre-tax
2.70%
Est. income
$2,052
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#89Schwab New York Municipal

SWYXX · Schwab · Money Market

2.04%
after-tax
Pre-tax
2.04%
Est. income
$2,040
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
New York municipal money-market fund; tax treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
Schwab reports 2025 state-by-state exempt-interest income percentages for SWYXX/SNYXX.
#90Vanguard California Municipal

VCTXX · Vanguard · Money Market

2.02%
after-tax
Pre-tax
2.02%
Est. income
$2,020
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
California municipal money-market fund; tax treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
AMT percentage is sourced from Vanguard 2025 Alternative minimum tax tax-preference dividends by fund.
14.68% private activity bond AMT exposure is not modeled.
#91Credit Karma

Savings

1.98%
after-tax
Pre-tax
2.60%
Est. income
$1,976
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#92Schwab California Municipal

SWKXX · Schwab · Money Market

1.77%
after-tax
Pre-tax
1.77%
Est. income
$1,770
Fed taxable
0%
State taxable
100%
Tax details
Federal taxable %: 0%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: SEC yield
Rate date: May 16, 2026
California municipal money-market fund; tax treatment requires reviewed fund tax allocation data.
Federal exempt-interest allocation: 100% (2025).
Schwab reports 2025 state-by-state exempt-interest income percentages for SWKXX/SCAXX.
#93Western Alliance

Savings

0.61%
after-tax
Pre-tax
0.80%
Est. income
$608
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#94BluPeak

Savings

0.61%
after-tax
Pre-tax
0.80%
Est. income
$608
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#95Jenius Bank

Savings

0.61%
after-tax
Pre-tax
0.80%
Est. income
$608
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#96Discover

Savings

0.61%
after-tax
Pre-tax
0.80%
Est. income
$608
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 15, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#97Schwab

Savings

0.11%
after-tax
Pre-tax
0.15%
Est. income
$114
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#98BMO

Savings

0.01%
after-tax
Pre-tax
0.01%
Est. income
$8
Fed taxable
100%
State taxable
100%
Tax details
Federal taxable %: 100%
Marginal federal rate: 24%
State taxable %: 100%
State marginal rate: 0%
Yield basis: APY
Rate date: May 16, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.

How this estimate works

YieldFinder starts with each product's current pre-tax yield and estimates how much income remains after the federal and state marginal-rate assumptions shown above.

After-tax yield = pre-tax yield - estimated federal tax cost - estimated state tax cost. Annual income = balance x after-tax yield.

Savings accounts and CDs are modeled as ordinary taxable interest. Treasuries are modeled as federally taxable and state-tax exempt.

Money-market funds are different from bank savings accounts. Their distributions are generally modeled as dividends, and state-tax treatment depends on fund-specific annual tax allocation data. For Treasury and government money-market funds, YieldFinder uses the fund's reported U.S. government obligation percentage when available. For municipal funds, federal exemption, state exemption, and AMT exposure depend on fund-specific data.

If no state is selected, results are federal-only. If fund-specific tax allocation data is missing, that product is omitted from the ranked table.

This is a simplified marginal-rate estimate, not tax advice.

Tax treatment source: IRS Publication 550.

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