Cash Account Profiles
Sourced profiles for cash and savings account types used to hold liquid capital within an investment portfolio. These accounts carry FDIC or NCUA insurance within statutory limits and offer risk-adjusted yield for short-duration cash holdings. These pages do not provide personalized investment advice.
Cash Account Types
- High-Yield Savings Account (HYSA), bank or online-bank savings account paying above-average annual percentage yield (APY); FDIC-insured up to $250,000 per depositor per ownership category; no contribution limit; fully liquid with no penalty for withdrawals; APY varies with federal funds rate; not eligible for capital gains treatment.
FDIC and NCUA Insurance
Cash accounts at FDIC member banks are insured up to $250,000 per depositor, per insured bank, per account ownership category (single, joint, retirement, trust, etc.). Credit union accounts at NCUA member institutions carry identical limits through the National Credit Union Share Insurance Fund (NCUSIF).
- A joint account between two owners is insured up to $500,000 at the same institution.
- Retirement accounts (IRAs held as deposits) have a separate $250,000 limit from individual accounts at the same bank.
- Cash held in a brokerage account is typically swept into bank deposit programs, bank money market deposit accounts, or money market mutual funds; check your broker's sweep disclosure for applicable insurance or fund type.
Source: FDIC Deposit Insurance; NCUA Share Insurance.
Related Resources
- Investment Account Profiles Hub, all account categories.
- Investment Account Types Overview, comparing tax-advantaged and taxable accounts.
- U.S. Rule & Limit Tracker, searchable registry of account rules and contribution limits.