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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.

Rates as of Methodology

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Assumptions

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

Fed rate
%
State
Federal-only estimate — select a state to include state income tax.
110 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#2Elevault

Savings

3.30%
after-tax
Pre-tax
4.34%
Est. income
$3,298
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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#3ValorFI Heroes High-Yield Savings

ValorFI Heroes · 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: Jun 30, 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: Jun 30, 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#6Raisin

Savings

3.15%
after-tax
Pre-tax
4.15%
Est. income
$3,154
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: Jun 30, 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#8Peak 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#9Vio Bank Online Savings

Vio 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#10TotalBank

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: Jun 30, 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#12OnPath Credit Union

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#13Etrade

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#14Brilliant 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#15AdelFi High-Yield Money Market

AdelFi Credit Union · 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#16CineFi

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#17U.S. Treasury 6 Month

Treasury

3.04%
after-tax
Pre-tax
4.00%
Est. income
$3,040
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: Jun 29, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#18U.S. Treasury 1 Year

Treasury

3.02%
after-tax
Pre-tax
3.97%
Est. income
$3,017
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: Jun 29, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#19Bread 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#20Timbr 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#21U.S. Treasury 4 Month

Treasury

2.98%
after-tax
Pre-tax
3.92%
Est. income
$2,979
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: Jun 29, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#22Ever 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#23Popular 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#24Zynlo

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#25Limelight Bank High-Yield Savings

Limelight 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#26U.S. Treasury 3 Month

Treasury

2.94%
after-tax
Pre-tax
3.87%
Est. income
$2,941
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: Jun 29, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#27Forbright 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#28Oloy 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#29Ivy 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#30Primis Savings

Primis 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#31CFG 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#32Live 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#33Colorado 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#34Openbank

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#35Quontic

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#36U.S. Treasury 2 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: Jun 29, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#37Sallie Mae High-Yield Savings

Sallie Mae 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#38BrioDirect

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#39CIT 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#40Prime 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#41Bask 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#42First 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#43U.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: Jun 29, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#44U.S. Treasury 1.5 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: Jun 29, 2026
Direct Treasury interest is modeled as federally taxable and state-tax exempt.
#45Redneck Bank Mega Money Market

Redneck 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#46Eagle 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#47Barclays

Savings

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: APY
Rate date: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#48iShares 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: Jun 30, 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%.
#49Vanguard Treasury

VUSXX · Vanguard · Money Market

2.75%
after-tax
Pre-tax
3.62%
Est. income
$2,751
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: Jun 30, 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.
#50Tab 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#51Roger

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#52iShares Treasury Floating Rate

TFLO · BlackRock · Money Market

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: SEC yield
Rate date: Jun 30, 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.
#53Vanguard Cash Reserves Federal

VMRXX · 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: Jun 30, 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.
#54Vanguard Federal

VMFXX · Vanguard · Money Market

2.72%
after-tax
Pre-tax
3.58%
Est. income
$2,721
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: Jun 30, 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.
#55Vanguard 0-3 Month Treasury

VBIL · Vanguard · Money Market

2.72%
after-tax
Pre-tax
3.58%
Est. income
$2,721
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: Jun 30, 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.
#56Vio Bank

Savings

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: APY
Rate date: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#57iShares 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: Jun 30, 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.
#58BLF Treasury Trust

TTTXX · BlackRock · Money Market

2.68%
after-tax
Pre-tax
3.53%
Est. income
$2,683
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: Jun 30, 2026
Treasury money-market fund dividends; state exemption requires fund-specific U.S. government obligation allocation data.
U.S. government obligations: 95.2% (2025).
State-tax exclusion is not applied until a state is selected.
Treasury Trust Fund reported 95.20% income from Federal Obligations. The separate 99.59% Interest Income line is not used for state exemption modeling.
#59CIBC Agility Savings

CIBC Bank USA · Savings

2.68%
after-tax
Pre-tax
3.52%
Est. income
$2,675
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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#60SalemFivedirect

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#61Northern 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#62Robinhood Banking Savings

Robinhood · 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#63SPDR 1-3 Month T-Bill ETF

BIL · State Street · Money Market

2.65%
after-tax
Pre-tax
3.49%
Est. income
$2,652
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: Jun 30, 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".
#64Schwab Value Advantage

SWVXX · Schwab · Money Market

2.64%
after-tax
Pre-tax
3.48%
Est. income
$2,645
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: Jun 30, 2026
Prime money-market fund dividends; modeled fully taxable for federal and state income tax.
#65iShares Gov Money Market ETF

GMMF · BlackRock · Money Market

2.64%
after-tax
Pre-tax
3.48%
Est. income
$2,645
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: Jun 30, 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.
#66Fidelity 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: Jun 30, 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%.
#67Vanguard Municipal

VMSXX · Vanguard · Money Market

2.63%
after-tax
Pre-tax
2.63%
Est. income
$2,630
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: Jun 30, 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.
#68UFB Direct

Savings

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: APY
Rate date: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#69Vanguard New York Municipal

VYFXX · Vanguard · Money Market

2.61%
after-tax
Pre-tax
2.61%
Est. income
$2,610
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: Jun 30, 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.
#70Marcus

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#71Schwab Treasury Obligations

SNOXX · Schwab · Money Market

2.57%
after-tax
Pre-tax
3.38%
Est. income
$2,569
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: Jun 30, 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.
#72Schwab U.S. Treasury

SNSXX · Schwab · Money Market

2.57%
after-tax
Pre-tax
3.38%
Est. income
$2,569
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: Jun 30, 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.
#73Schwab Government

SNVXX · 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: Jun 30, 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.
#74Fidelity Money Market

SPRXX · Fidelity · Money Market

2.55%
after-tax
Pre-tax
3.35%
Est. income
$2,546
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: Jun 30, 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%.
#75Wealthfront

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#76Synchrony

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#77Public

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#78Fidelity Treasury Only

FDLXX · Fidelity · Money Market

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: SEC yield
Rate date: Jun 30, 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.
#79Fidelity Government

SPAXX · Fidelity · Money Market

2.50%
after-tax
Pre-tax
3.29%
Est. income
$2,500
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: Jun 30, 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.
#80Mercury Personal Savings

Mercury · 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#81HUSTL

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#82Schwab New York Municipal

SWYXX · Schwab · Money Market

2.39%
after-tax
Pre-tax
2.39%
Est. income
$2,390
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: Jun 30, 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.
#83Schwab Municipal

SWTXX · Schwab · Money Market

2.37%
after-tax
Pre-tax
2.37%
Est. income
$2,370
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: Jun 30, 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.
#84Vanguard California Municipal

VCTXX · Vanguard · Money Market

2.36%
after-tax
Pre-tax
2.36%
Est. income
$2,360
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: Jun 30, 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.
#85M1

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#86SoFi

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#87American Express

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#88Vanguard 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#89Fidelity Municipal

FTEXX · Fidelity · 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: Jun 30, 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.
#90Alliant 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#91BMO Alto

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#92Capital One

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#93Ally

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#94Citizens Access

Citizens Bank · 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#95Schwab California Municipal

SWKXX · Schwab · Money Market

2.10%
after-tax
Pre-tax
2.10%
Est. income
$2,100
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: Jun 30, 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.
#96Credit 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#97Fidelity Cash Management

Fidelity · Savings

1.40%
after-tax
Pre-tax
1.84%
Est. income
$1,398
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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#98Climate First 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#99Western 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: Jun 29, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#100BluPeak

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#101Jenius 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#102My Banking Direct

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#103Discover

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: Jun 29, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#104Always Savings

Always 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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#105Chime

Savings

0.57%
after-tax
Pre-tax
0.75%
Est. income
$570
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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#106Betterment

Savings

0.57%
after-tax
Pre-tax
0.75%
Est. income
$570
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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#107PenFed

Savings

0.38%
after-tax
Pre-tax
0.50%
Est. income
$380
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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#108Schwab

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: Jun 30, 2026
Modeled as ordinary taxable interest. The estimate treats 100% of the yield as federally and state taxable.
#109WisdomTree Floating Rate

USFR · WisdomTree · Money Market

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: SEC yield
Rate date: Jun 30, 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.
#110BMO

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: Jun 30, 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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