Rate Benchmarks
Rates & Yields Audit
Objective market benchmarks for capital preservation and high-yield fixed income across the trails.
Data Benchmark Date
December 22, 2025
Security & FDIC Protection
We only index institutions that carry full FDIC or NCUA insurance ($250,000 per depositor). Treasury securities are backed by the full faith and credit of the US Government, representing the "risk-free" benchmark for global finance.
Data as of December 22, 2025
Optimizing Your Cash Position
Most savers keep 3-12 months of expenses in liquid accounts. When Treasury yields exceed HYSA rates by more than 0.25%, consider T-Bill ladders to boost your risk-free returns while maintaining access to funds.
Benchmarked Spread: +0.28% vs Cash Average