Looking for more ways to put your cash to work?
Savings and investment cash options.
4.22% to 5.05% APY1
Protect your principal and earn a fixed rate of return with CDs from Schwab CD OneSource®. All CDs in CD OneSource are issued by FDIC-insured banks.
Certain conditions must be satisfied for FDIC insurance coverage to apply.
Offered through Charles Schwab & Co., Inc.
2.20% to 3.85% Yields2
Earn income while seeking stability of capital and liquidity.
Schwab Money Funds are not insured by the FDIC; are not deposits; and may lose value. Past performance is no guarantee of future results. Current performance may be lower or higher than the performance quoted.
Offered by Charles Schwab & Co., Inc.
0.15% APY3
Keep your liquid savings working for future goals—with no monthly service fees.
Offered by Charles Schwab Bank, SSB, Member FDIC.
Everyday cash options.
0.01% APY3
Earn interest and use uninvested cash to trade, invest, and manage daily expenses.
Schwab brokerage accounts are not insured by the FDIC; are not deposits; and may lose value.
Offered by Charles Schwab & Co., Inc.
0.01% APY3
Manage everyday expenses with an award-winning checking account and easily move cash to your linked brokerage account for trading and investing–all with no monthly service fees.
Offered by Charles Schwab Bank, SSB, Member FDIC.
Considering U.S. Treasury bills as another option for your investment cash?
Common questions about Schwab cash solutions.
Yes. Schwab pays interest on uninvested cash in brokerage accounts, and cash earns the same yield whether it is held in the Bank Sweep feature or the Schwab One Interest feature. Schwab also offers a range of cash solutions and encourages clients to choose the best fit for their needs. For uninvested cash you do not plan to spend soon, you can consider investing in a money market fund such as the Schwab Prime Advantage Money Fund (SWVXX), which currently yields 3.70%, (7-day yield as of 2026-10-09), and can be purchased in a single trade with no minimum* and no transaction fee. Visit the Schwab Money Funds page to view all available funds and their current yields.
To earn more on your cash at Schwab, you can consider purchasing a Schwab Money Fund such as the Schwab Prime Advantage Money Fund (SWVXX) yielding 3.70%, (7-day yield as of 2026-10-09), with no minimum*, no transaction fee, and next-business-day access when you sell. Depending on your needs, you can also consider purchasing a Certificate of Deposit (CD) with a fixed rate of return through Schwab CD OneSource or funding a Schwab Bank Investor Savings account.
If you need immediate access to your cash, consider keeping it as uninvested cash in your brokerage account or in a Schwab Bank Investor Checking account for day-to-day use. For cash set aside for an emergency fund, upcoming expenses, or a strategic portfolio allocation, a Schwab Bank Investor Savings account, Schwab Money Funds, and CDs can help you balance earning potential, stability, and access based on your needs.
Yes. Schwab offers multiple cash solutions to help you put your cash to work without sacrificing flexibility. Rather than treating all cash the same, Schwab helps you align your money with its purpose—all within one relationship and a single login.
Everyday cash can remain uninvested in your brokerage account or in a Schwab Bank Investor Checking account to support spending, transfers, and trading activity.
Savings and investment cash can be invested in CDs and Schwab Money Funds or held in a Schwab Bank Investor Savings account, helping you earn a competitive yield, while maintaining liquidity based on your needs.
Together, these options can help you manage day-to-day needs, upcoming goals, and long-term investing from one place. You have the flexibility to access your cash when you need it, the ability to seek higher yields when appropriate, and the confidence of working with a firm known for investor education, service, and a broad range of cash solutions. Current rates and product details are available for each option, so you can choose the approach that best fits your goals.
Questions about cash solutions?
Call 800-435-4000.
