• 0.58%
  • 0.73%
  • 0.44%
  • 0.59%
  • 0.42%
  • 0.57%
  • 0.24%
  • 0.39%
  • 0.52%
  • 0.67%
  • 0.49%
  • 0.64%
  • 0.52%
  • 0.52%
  • 0.67%
  • 0.7%
  • 0.49%
Cash Investments
Cash Investments

Looking for more ways to put your cash to work?

Cash is an important part of any portfolio. We're here to help you find the cash solutions that best fit your financial strategy.


Savings and investment cash

Savings and investment cash

  • Through Schwab Bank, Member FDIC

    Schwab Bank High Yield Investor Savings® account

    0.05% 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

    • Eligible for SIPC coverage

  • Through Schwab brokerage & retirement accounts

    Certificates of Deposit (CDs)

    1.11%-2.20% 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

    0.01% 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 High Yield Investor Checking®, linked to a Schwab One® brokerage account¹⁶

    0.03% 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?