Looking for more ways to put your cash to work?

Savings and investment cash options.

CERTIFICATES OF DEPOSIT (CDs)

4.20% to 4.45% APY1

Protect your principal and earn a fixed rate of return with CDs from Schwab CD OneSource®. All CDs in CD OneSource are offered by FDIC-insured banks. 

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Certain conditions must be satisfied for FDIC insurance coverage to apply.  

SCHWAB MONEY FUNDS™

1.75% to 4.28% Yields2

Earn income while seeking stability of capital and liquidity. 

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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. 

SCHWAB BANK INVESTOR SAVINGS™

0.15% APY3

Save on bank fees and keep your liquid savings growing. 

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Offered by Charles Schwab Bank, SSB, Member FDIC. 

Everyday cash options.

Uninvested cash in your Schwab brokerage account

0.05% APY3

Earn interest and use uninvested cash to trade, invest, and manage daily expenses. 

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Schwab brokerage accounts are not insured by the FDIC; are not deposits; and may lose value. 

SCHWAB BANK INVESTOR CHECKING™

0.05% APY3

Save on bank fees, manage daily expenses, and transfer cash to your brokerage account for trading and investing. 

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Offered by Charles Schwab Bank, SSB, Member FDIC.

Considering U.S. Treasury bills as another option for your investment cash?

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Charles Schwab & Co., Inc. is not an FDIC-insured bank and deposit insurance covers the failure of an insured bank. Charles Schwab & Co., Inc. is a brokerage firm and a member of SIPC, which provides protection for brokerage account assets.

Questions about cash solutions?

Call 800-435-4000.

Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.

1. Certificates of Deposit available through Schwab CD OneSource® typically offer a fixed rate of return, although some offer variable rates. For variable rate CDs, the rate may change after the CD is purchased. The annual percentage yields are accurate as of 5-14-2025. The minimum quantity is generally $1,000 face amount but may vary by offering. Terms range from one month to 20 years. Costs could reduce the earnings on the accounts. Interest cannot remain on deposit and that payout of interest is mandatory. 

2. Investment minimums may apply. The 7-Day Yield represents the annualized fund yield based on the average income paid out over the previous seven days assuming interest income is not reinvested, and it reflects the effect of all applicable waivers. Absent such waivers, the fund's yield would have been lower.

Investors should consider carefully information contained in the prospectus or, if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can view and download a prospectus by visiting schwab.com/prospectus. Please read it carefully before investing.

You could lose money by investing in the Schwab Money Funds. All Schwab Money Funds seek to preserve the value of your investment at $1.00 per share, but cannot guarantee they will do so. All Schwab Money Funds with the exception of Schwab Government Money Fund, Schwab Retirement Government Money Fund, Schwab U.S. Treasury Money Fund, Schwab Treasury Obligations Money Fund and Schwab Government Money Market Portfolio may impose a fee upon the sale of your shares if the Fund's board or its delegate determines that the fee is in the best interests of the Fund. An investment in the Schwab Money Funds is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Schwab Money Funds' sponsor has no legal obligation to provide financial support to the Funds, and you should not expect that the sponsor will provide financial support to the Funds at any time.

Schwab Asset Management® is the dba name for Charles Schwab Investment Management, Inc., the investment adviser for Schwab Funds. Schwab Funds are distributed by Charles Schwab & Co., Inc. (Schwab), Member SIPC. Schwab Asset Management and Schwab are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.

3. The rate may change after the account is opened. The annual percentage yields are accurate as of 5-14-2025, with a minimum balance of $0.01.

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Investment and Insurance Products Are: Not FDIC Insured • Not Insured by Any Federal Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or any of its Affiliates • Subject to Investment Risks, Including Possible Loss of Principal Amount Invested

The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, Charles Schwab & Co. Inc. (Member SIPC), and its affiliates offer investment services and products. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products.

This site is designed for U.S. residents. Non-U.S. residents are subject to country-specific restrictions. Learn more about our services for non-U.S. residents, Charles Schwab Hong Kong clients, Charles Schwab U.K. clients.

© 2025 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. Unauthorized access is prohibited. Usage will be monitored.

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