Latest rate data:
$100,000 · Fed 24% · Federal-only estimate
Savings
ValorFI Heroes · CD
Treasury
Bask Bank · CD
Savings
Treasury
Treasury
Bread Financial · CD
Marcus · CD
Capital One · CD
Sallie Mae Bank · CD
ValorFI Heroes · Savings
Savings
ValorFI Heroes · CD
Popular Direct · CD
Bread Financial · CD
Treasury
VMSXX · Vanguard · Money Market
Savings
Savings
Savings
Savings
Bask Bank · CD
Treasury
VYFXX · Vanguard · Money Market
Showing 25 of 165 results
| 1 | Savings | 6.00% | 100% | 100% | 4.56% | ||
| 2 | ValorFI Heroes 6 Month CD ValorFI Heroes | CD | 4.50% | 100% | 100% | 3.42% | |
| 3 | Treasury | 4.50% | 100% | 0% | 3.42% | ||
| 4 | Bask Bank 1 Year CD Bask Bank | CD | 4.35% | 100% | 100% | 3.31% | |
| 5 | Savings | 4.34% | 100% | 100% | 3.30% | ||
| 6 | Treasury | 4.33% | 100% | 0% | 3.29% | ||
| 7 | Treasury | 4.32% | 100% | 0% | 3.28% | ||
| 8 | Bread Financial 9 Month CD Bread Financial | CD | 4.30% | 100% | 100% | 3.27% | |
| 9 | Marcus 9 Month CD Marcus | CD | 4.30% | 100% | 100% | 3.27% | |
| 10 | Capital One 11 Month CD Capital One | CD | 4.30% | 100% | 100% | 3.27% | |
| 11 | Sallie Mae Bank 1 Year CD Sallie Mae Bank | CD | 4.30% | 100% | 100% | 3.27% | |
| 12 | ValorFI Heroes High-Yield Savings ValorFI Heroes | Savings | 4.25% | 100% | 100% | 3.23% | |
| 13 | Savings | 4.25% | 100% | 100% | 3.23% | ||
| 14 | ValorFI Heroes 1 Year CD ValorFI Heroes | CD | 4.25% | 100% | 100% | 3.23% | |
| 15 | Popular Direct 1 Year CD Popular Direct | CD | 4.25% | 100% | 100% | 3.23% | |
| 16 | Bread Financial 1 Year CD Bread Financial | CD | 4.25% | 100% | 100% | 3.23% | |
| 17 | Treasury | 4.24% | 100% | 0% | 3.22% | ||
| 18 | Vanguard Municipal VMSXX | Money Market | 3.20% | 0% | 100% | 3.20% | |
| 19 | Savings | 4.21% | 100% | 100% | 3.20% | ||
| 20 | Savings | 4.20% | 100% | 100% | 3.19% | ||
| 21 | Savings | 4.20% | 100% | 100% | 3.19% | ||
| 22 | Savings | 4.20% | 100% | 100% | 3.19% | ||
| 23 | Bask Bank 9 Month CD Bask Bank | CD | 4.20% | 100% | 100% | 3.19% | |
| 24 | Treasury | 4.20% | 100% | 0% | 3.19% | ||
| 25 | Money Market | 3.16% | 0% | 100% | 3.16% |
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.