• 4.27%
  • 4.42%
  • 3.95%
  • 4.10%
  • 4.03%
  • 4.18%
  • 3.93%
  • 4.08%
  • 1.55%
  • 1.70%
  • 1.85%
  • 2.00%
  • 1.58%
  • 1.40%
  • 1.55%
  • 4.41%
  • 1.85%
Cash Investments

Looking for more ways to put your cash to work?

Cash is an important part of any portfolio. With competitive yields up to 4.42% on Schwab Money Funds and attractive yields on CDs, Schwab can help you find the cash solutions that best fit your financial strategy.


Savings and investment cash

Savings and investment cash

  • Schwab Bank Investor Savings™ account

    Schwab Bank Investor Savings™ account

    0.48% APY*1


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

    • No minimum balance or monthly account service fees

    • Easy transfers to your other Schwab bank and brokerage accounts2

    • FDIC-insured up to $250,000 per depositor3

    • Schwab Bank Visa® Platinum Debit Card with unlimited ATM fee rebates worldwide4 and no foreign transaction fees.5

    • Mobile check deposit using the Schwab app6 for iPhone®, iPad®, and Android™ 

  • Through Schwab brokerage & retirement accounts

    Schwab Purchased Money Funds

    RATE RANGE


    Earn taxable or tax-exempt7 income while seeking stability of capital and liquidity.

    • No transaction fees8 and an initial investment starting at $0‡

    • Next-day access to funds if shares are sold by 4 p.m. Eastern time

    • Generally, seeks to maintain a stable $1.00 per share net asset value (NAV)**

    • Convenient access to potentially higher yields on cash

    • Prime, municipal, and government money funds

    • Available for retail and institutional accounts

  • Through Schwab brokerage & retirement accounts

    Certificates of Deposit (CDs)

    4.63% to 4.80% APY§9


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

    • One-stop marketplace for CDs

    • Fixed-term: 30 days or more

    • FDIC-insured up to $250,000 per depositor per bank9

    • Extended FDIC coverage10 by purchasing CDs from multiple banks

    • Easy online transactions in your Schwab account or through a Fixed Income Specialist


Everyday cash

Everyday cash

  • Through Schwab brokerage & retirement accounts

    Uninvested cash in your Schwab brokerage and retirement accounts¹¹

    0.45% APY12


    Earn interest12 and use uninvested cash to purchase investments and manage daily expenses.13

    • Immediate access to funds for buying most investments

    • Bank Sweep deposits are eligible for FDIC insurance.14 Schwab One Interest balances are eligible for SIPC coverage.15

    • Schwab One® Visa® Platinum Debit Card with unlimited ATM fee rebates worldwide4 and no foreign transaction fees5

    • Online bill pay18, free standard checks, and other cash management features

    • Mobile check deposit using the Schwab app6 for iPhone, iPad, and Android

  • Through Schwab Bank, Member FDIC

    Schwab Bank Investor Checking™, linked to a Schwab One® brokerage account¹⁶

    0.45% APY17


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

    • No monthly service fees or account minimums

    • Easy transfers to your linked Schwab One® brokerage accounts

    • FDIC-insured up to $250,000 per depositor3

    • Schwab Bank Visa® Platinum Debit Card with unlimited ATM fee rebates worldwide4 and no foreign transaction fees5

    • Security features like transaction alerts, travel notices, and card lock/unlock

    • Online and mobile bill pay18, free standard checks, and mobile wallets like Apple Pay®, Google Pay™, and Samsung Pay®19

    • Mobile check deposit using the Schwab app6 for iPhone, iPad, and Android 

Questions about cash solutions?