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Looking for more ways to put your cash to work?

Earn potentially higher yields, preserve principal, and get easy access to funds.

Savings and investment cash options.

CERTIFICATES OF DEPOSIT (CDs)

4.15% to 4.63% APY*1

Protect your principal and earn a fixed rate of return with CDs from Schwab CD OneSource®.

Learn more
SCHWAB MONEY FUNDS

2.18% to 5.18% Yields†

Earn taxable or tax-exempt2 income while seeking stability of capital and liquidity.

Learn more

Past performance is no guarantee of future results. Current performance may be lower or higher than the performance quoted. 

SCHWAB BANK INVESTOR SAVINGS™ ACCOUNT

0.25% APY3

Get a competitive yield regardless of your balance and keep your liquid savings growing.

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Purchase investments, pay bills, and manage daily expenses.

Everyday cash options.

UNINVESTED CASH IN YOUR SCHWAB BROKERAGE AND RETIREMENT ACCOUNTS4

0.20% APY5

Earn interest and use uninvested cash to purchase investments and manage daily expenses.6

Learn more
SCHWAB BANK INVESTOR CHECKING™, LINKED TO A SCHWAB ONE® BROKERAGE ACCOUNT7

0.20% APY8

Save on bank fees, earn interest, travel with confidence, and easily access cash for daily spending needs.

Learn more

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

Log in to see rates

Questions about cash solutions?

Call 800-435-4000.

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.

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.

*The annual percentage yield (APY) displayed includes 3-month to 1-year values. Please note there may be a delay in reflecting the latest rates. Please visit the Schwab CD OneSource® page to see the current rates available.

†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.

1.    Certificates of Deposit available through Schwab CD OneSource typically offer a fixed rate of return, although some offer variable rates. They are FDIC insured and offered through Charles Schwab & Co., Inc. For variable rate CDs, the rate may change after the CD is purchased. The annual percentage yields are accurate as of 10-8-2024. The minimum quantity is generally $1,000 face amount but may vary by offering. Terms range from one month to 20 years. There may be costs associated with early redemption and possible market value adjustment. Costs could reduce the earnings on the accounts. Interest cannot remain on deposit and that payout of interest is mandatory.

2.    Investment income may be subject to certain state and local taxes and, depending on your tax status, the federal alternative minimum tax. Capital gains are not exempt from federal income tax.

3.    For the Schwab Bank Investor Savings Account™, the rate may change after the account is opened. The annual percentage yields are accurate as of 10-8-2024, with a minimum balance of $0.01.

4.    Not all services are available on retirement accounts or in certain Schwab One accounts (those owned by organizations or in managed accounts).

5.    Schwab One Interest and Bank Sweep are the two primary cash features. The Money Fund Sweep is an additional cash feature available to certain accounts. Please note Schwab One Interest and the Money Fund Sweep feature are not FDIC-insured. The rate may change after the account is opened. The annual percentage yields are accurate as of 10-8-2024, with a minimum balance of $0.01.

6.    Withdrawals from an IRA prior to age 59½ may be subject to a 10% Federal tax penalty. For a Roth IRA, tax-free withdrawals of earnings are permitted five years after first contribution creating account. Earnings withdrawn prior to that may be subject to ordinary income taxes and a 10% Federal tax penalty.

7.    ​The Schwab Bank Investor Checking account is available only as a linked account with a Schwab One® brokerage account. The Schwab One brokerage account has no minimum balance requirements, no minimum balance charges, no minimum trade requirements, and there is no requirement to fund this account when opened with a linked Investor Checking account. To learn more about other Schwab Bank checking accounts, please contact Schwab Bank at 888-403-9000.

8.    For the Schwab Bank Investor Checking Account™, the rate may change after the account is opened. The annual percentage yields are accurate as of 10-8-2024, with a minimum balance of $0.01.

​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.

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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.

© 2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. Unauthorized access is prohibited. Usage will be monitored.

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