Your brokerage sweep: 0.01%. A 3-month T-bill: 4.22% (Oct 28, 2026). Per $50K idle, that's $5/yr vs $2,110/yr. I got annoyed enough to build the comparison I wanted: 38 places to park cash (default sweeps, money market funds like SPAXX/VMFXX, T-bills, CDs, high-yield savings) ranked by what you KEEP after tax — including the state-tax part most comparisons skip. T-bill interest is state-tax-free; CD interest isn't; and "Treasury" money funds were only 70–97% state-exempt in recent years, not 100%. Rates are re-read from each provider's own page daily, and the underlying data file is open if anyone wants to check the math. Free, no signup, no ads. https://www.movablecapital.com/cash-options Feedback welcome — especially from high-tax-state folks: does the after-tax ranking match what you've found?   submitted by   /u/coolashes11 [link]   [comments]