guide

T-bill vs HYSA

Daily Treasury rows in the current file store a bank discount, not a coupon-equivalent yield and not an APY. Auction rows store an investment rate. HYSA rows are APYs. Compare them only with that difference in view. T-bills are not bank deposits.

Daily Treasury bill rates

TermRateAs ofSource

Recent auction investment rates

TermInvestment rateMaturitySource

Verified HYSAs and the savings benchmark

NameRateAs ofSource