At a 24% federal bracket, a single filer in Pennsylvania is typically in the 3.07% state bracket. Treasury bills and Treasury money market funds skip that state tax, which is worth about 0.12 points on a 3.8% yield.
| # | Account | Score | Stated yield | State-tax-free | After-tax yield | Taxable-equiv. | Per year | As of / source |
|---|---|---|---|---|---|---|---|---|
| 1 | U.S. Treasury bill52-week (1-year)T-bill Buy at TreasuryDirect or any brokerage; price can move if sold before maturity. Why this score | 91 | 4.51%bond-equiv. | 100% | 3.43% | 4.70% | $857 | 2026-10-27 source |
| 2 | PibankSavingsHigh-yield savingsWhy this score | 90 | 4.40%APY | — | 3.21% | 4.40% | $802−$55 vs best yield | 2026-10-21 source |
| 3 | U.S. Treasury bill26-week (6-month)T-bill Buy at TreasuryDirect or any brokerage; price can move if sold before maturity. Why this score | 88 | 4.36%bond-equiv. | 100% | 3.31% | 4.54% | $828−$28 vs best yield | 2026-10-27 source |
| 4 | EverBankPerformance SavingsHigh-yield savings Rate quoted for new accounts. Why this score | 85 | 4.20%APY | — | 3.06% | 4.20% | $766−$91 vs best yield | 2026-10-28seen on page source |
| 5 | U.S. Treasury bill13-week (3-month)T-bill Buy at TreasuryDirect or any brokerage; price can move if sold before maturity. Why this score | 84 | 4.15%bond-equiv. | 100% | 3.15% | 4.32% | $789−$68 vs best yield | 2026-10-27 source |
| 6 | Newtek BankPersonal High Yield SavingsHigh-yield savingsWhy this score | 83 | 4.20%APY | — | 3.06% | 4.20% | $766−$91 vs best yield | 2026-10-28seen on page source |
| 7 | Bread SavingsHigh-Yield SavingsHigh-yield savings $100 minimum deposit. Why this score | 81 | 4.05%APY | — | 2.95% | 4.05% | $738−$118 vs best yield | 2026-10-28seen on page source |
| 8 | U.S. Treasury bill4-weekT-bill Buy at TreasuryDirect or any brokerage; price can move if sold before maturity. Why this score | 80 | 4.00%bond-equiv. | 100% | 3.04% | 4.17% | $760−$97 vs best yield | 2026-10-27 source |
| 9 | Vanguard Treasury Money Market FundVUSXXMoney market fund Not FDIC insured. Yield is net of fund expenses. Why this score | 79 | 3.80%7-day SEC | 100% | 2.89% | 3.96% | $722−$135 vs best yield | 2026-09-30latest SEC filing source · tax doc |
| 10 | Vio BankOnline SavingsHigh-yield savingsWhy this score | 79 | 4.01%APY | — | 2.92% | 4.01% | $731−$126 vs best yield | 2026-10-28seen on page source |
| 11 | Sallie Mae BankHigh-Yield SavingsHigh-yield savingsWhy this score | 78 | 4.00%APY | — | 2.92% | 4.00% | $729−$128 vs best yield | 2026-10-28seen on page source |
| 12 | Live Oak BankPersonal SavingsHigh-yield savingsWhy this score | 78 | 4.00%APY | — | 2.92% | 4.00% | $729−$128 vs best yield | 2026-10-28seen on page source |
| 13 | Vanguard Cash Reserves Federal Money Market FundVMRXXMoney market fund Not FDIC insured. Yield is net of fund expenses. Why this score | 78 | 3.80%7-day SEC | 69.6% | 2.85% | 3.91% | $713−$144 vs best yield | 2026-09-30latest SEC filing source · tax doc |
| 14 | Vanguard Federal Money Market FundVMFXXMoney market fund Not FDIC insured. Yield is net of fund expenses. Why this score | 78 | 3.79%7-day SEC | 66.6% | 2.84% | 3.90% | $710−$147 vs best yield | 2026-09-30latest SEC filing source · tax doc |
| 15 | First Foundation BankOnline SavingsHigh-yield savings Rate for balances $25,000+; 3.02% below (per page). Why this score | 75 | 3.85%APY | — | 2.81% | 3.85% | $702−$155 vs best yield | 2026-10-28seen on page source |
← All categories · State tax brackets: Tax Foundation 2026.
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Not financial or tax advice. CashRanq is an independent information site that publishes the same general rankings for every reader; scores and presets are not recommendations for you. Rates change often and may depend on balance, eligibility or promotions; money market fund yields are past 7-day yields and are not guaranteed, and funds are not FDIC insured. Tax figures are simplified estimates (marginal rates only; no local taxes, AMT, NIIT, deductions or credits). Always verify the current rate and terms with the provider and consult a tax professional for your situation.