Treasury · 5.28% APY
Your idle cash, working at near-Fed-funds rates.
A high-yield savings + treasury sweep, FDIC insured up to $5M via our partner-bank network. No lockups, no minimums, no fees. Daily liquidity.
At a glance
- APY
- 5.28%
- Minimum balance
- $1
- FDIC insurance
- Up to $5,000,000
- Liquidity
- Daily (instant sweep)
- Compounding
- Daily, posts monthly
- Fees
- None
What you get
5.28% APY
Interest accrues daily, posts monthly. Variable rate, last updated May 2026. Compare to the national 0.46% average and you’re earning ~11× more.
FDIC insurance up to $5M
We sweep your balance across our partner network (Stride Bank N.A. + 19 others) so you’re covered far beyond the $250k single-bank ceiling.
Daily liquidity
No lockup, no notice period. Move money to your checking in seconds with our instant sweep.
No minimums
No minimum balance, no monthly fee, no transaction caps. Open with $1 if you want.
Treasury bills, transparent
Underlying portfolio is 4-week + 8-week T-bills, weighted average maturity ~21 days. We publish the holdings monthly.
Tax-advantaged
T-bill interest is exempt from state + local tax in all 50 states. Roughly worth another 30-50 bps depending on your state.
How is the APY so high?
Because we pass the underlying T-bill yield (currently ~5.4%) through to you, minus a small spread to fund the partner-bank network and our operations. Most banks pocket the spread — we don’t.
When the Fed cuts rates, our APY drops too. We post the rate change here within 24 hours, and email every affected customer the morning of the change.