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Best place for idle cash?

Start with what your cash already earns, then compare verified alternatives on the scoreboard.

Schwab everyday cash ~0.01% APY vs SWVXX 3.77% 7-day (2026-10-30).
T-bill coupon-equivalent yields ~3.98%–4.36% by term (Treasury daily feed, 2026-10-30).
FDIC national average savings 0.38% (2026-10-19). Product HYSAs not seeded until bank pages are verified.