CD Rates vs Treasury Rates: Which Pays More When the Fed Pauses?

T-bills often yield 0.10%–0.40% more than bank CDs when the Fed pauses, but top online CDs can flip that gap. Here's how to compare both before locking in.

T-bills often yield 0.10%–0.40% more than bank CDs when the Fed pauses, but top online CDs can flip that gap. Here's how to compare both before locking in.

Top 1-year CDs are hitting 5.00% APY while the best high-yield savings accounts pay 4.75%—the right choice depends entirely on when you need the cash.