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CDs & Money Market Funds

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Schwab offers a wide selection of options to manage your cash and cash investments, including a marketplace of brokered CDs, a range of money market funds, and other convenient solutions.

CDs

Access a convenient one-stop shop for FDIC-insured CDs from banks across the country with Schwab CD OneSource®.
Learn more about our CD OneSource CD rates.
 

Money Market Funds

Choose money market funds to keep your money liquid while earning a competitive yield.

Learn more about Schwab money market funds

Solutions to invest your cash.

Looking for other alternatives? If you’re not sure which cash and cash investment solutions to choose, we can help you figure out what’s right for you.

Explore solutions to invest your cash.

Competitive Rates and Yields

Get a wide selection of competitive rates.

  • CD OneSource offers a wide selection of CDs from banks across the country, with competitive rates and maturities ranging from one month to 30 years.
  • Money market funds emphasize high quality, liquidity, and diversification.

CD OneSource is a marketplace that offers you the convenience of purchasing unlimited CDs from a wide range of banks. You can extend your FDIC coverage and receive great rates, all within one brokerage account.1
Sample of highest CD rates through CD OneSource
Maturity Ranges (as of 10/30/2014) Rates up to
1-3 Month CDs FDIC-insured 0.15% APY
4-6 Month CDs FDIC-insured 0.35% APY
7-9 Month CDs FDIC-insured % APY
10-18 Month CDs FDIC-insured 0.45% APY
1.5-2.5 Year CDs FDIC-insured 1% APY
Schwab money market funds offer a great alternative for longer-term cash investing and emphasize high credit quality, liquidity, and diversification. For clients who qualify, sweep money market funds for cash awaiting investment are also available.

As of 10/29/2014
Fund Name Taxable/Tax-Free Sweep2 Net Operating Expense Ratio3 7-Day Yield4
Schwab Value Advantage Money Fund® – Investor Shares (SWVXX) Taxable No 0.45% 0.01%
Schwab AMT Tax-Free Money Fund™ – Value Advantage Shares® (SWWXX) Tax-free5 No 0.45% 0.01%
Schwab Cash Reserves™ (SWSXX) Taxable Yes 0.66% 0.063%
Schwab Government Money Fund™ (SWGXX) Taxable Yes 0.73% 0%
Past performance is not an indication of future results.

Take the next step.

Buy CDs or money market funds through Schwab.

Open an Accountor call 866-232-9890.

Already a client? Log in to CD OneSource.


Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value


Performance data quoted represents past performance and does not indicate future results.

Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.

An investment in a money market fund is neither insured nor guaranteed by the FDIC or any other government agency. Yields will fluctuate, and, although the fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the fund. Compared to the total return, the seven-day yield more closely reflects the current earnings of the fund.