Hugo's cash specialist
What should your cash earn?
Tell Hugo the amount, timing, and access you need. It translates every rate into dollars, checks the insurance limit, and shows how taxes can change the order.
No signup to search. Providers cannot pay to move higher.
Market nowTop sample insured CD 4.55% = $455/yr per $10k52-week T-bill 3.70% = $370/yr per $10kFed meets Jul 29 — CD rates often move afterillustrative · Jul 20Sources: Bread · Jul 20, 2026 · 9:15am ET · U.S. Treasury · Jul 20, 2026 · 8:58am ET · Federal Reserve calendar
Useful starting points
Start with a real decision
12-month goal
Best 12-month CD rates
Insured CDs compared by APY, early-withdrawal cost, and the dollars earned on your amount.
Rates, safety, and prerequisites included
24 of 118Open guide
Keep access
Better than checking
FDIC-insured savings and no-penalty CDs for money you may need without warning.
Rates, safety, and prerequisites included
$0 minimumsOpen guide
Predictable income
Pay me interest
Savings, CDs, and Treasuries organized by when the interest reaches you.
Rates, safety, and prerequisites included
Monthly firstOpen guide