Earn a 5.37% yield1 with a Treasury account
| THE ATOMIC TREASURY INVESTMENT ACCOUNT4 | HIGH YIELD SAVINGS ACCOUNT | REGULAR SAVINGS ACCOUNT | |
|---|---|---|---|
| YIELD* | T-Bills tend to offer higher yields than high-yield savings accounts. Yields are fixed for each T-Bill held in your account. | Yields are typically lower than a Treasury investment account and can fluctuate at any time, and payment of interest is not guaranteed. | Yields are a fraction of what a high-yield account or Treasury investment account may offer, and payment of interest is not guaranteed. |
| TAXES** | Earned interest is exempt from state and local taxes, so you can keep more of your money. | Earned interest is subject to state and local taxes, which can be hefty in areas with high tax burdens. | Earned interest is subject to state and local taxes, which can be hefty in areas with high tax burdens. | SECURITY | Protected by SIPC but not insured by the Federal Deposit Insurance Corporation. | Insured by the Federal Deposit Insurance Corporation up to maximum limits allowed by law. | Insured by the Federal Deposit Insurance Corporation up to maximum limits allowed by law. |
*This is the money you are paid from investing in T-Bills or keeping your money in savings accounts.
**Earned interest generated from these accounts is typically taxed—just like your paycheck. Federal tax is due each year on earned interest.
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| THE ATOMIC TREASURY INVESTMENT ACCOUNT4 | HIGH YIELD SAVINGS ACCOUNT | REGULAR SAVINGS ACCOUNT | |
|---|---|---|---|
| YIELD* | T-Bills tend to offer higher yields than high-yield savings accounts. Yields are fixed for each T-Bill held in your account. | Yields are typically lower than a Treasury investment account and can fluctuate at any time, and payment of interest is not guaranteed. | Yields are a fraction of what a high-yield account or Treasury investment account may offer, and payment of interest is not guaranteed. |
| TAXES** | Earned interest is exempt from state and local taxes, so you can keep more of your money. | Earned interest is subject to state and local taxes, which can be hefty in areas with high tax burdens. | Earned interest is subject to state and local taxes, which can be hefty in areas with high tax burdens. | SECURITY | Protected by SIPC but not insured by the Federal Deposit Insurance Corporation. | Insured by the Federal Deposit Insurance Corporation up to maximum limits allowed by law. | Insured by the Federal Deposit Insurance Corporation up to maximum limits allowed by law. |
*This is the money you are paid from investing in T-Bills or keeping your money in savings accounts.
**Earned interest generated from these accounts is typically taxed—just like your paycheck. Federal tax is due each year on earned interest.
member dashboard and link your auto, home, and/or renters policy to our insurance assistant tool.
T-Bills are short-term debt securities issued by the U.S. Government. They’re sold in increments of $100 and mature in less than a year.
Once you’ve deposited money into your Atomic Treasury account, T-Bills are purchased for you at a discount and are held to maturity (unless you withdraw money early). Your earnings and principal are automatically reinvested into new T-Bills of the same term.
Because T-Bills are backed by the full faith and credit of the U.S. Government, they’re nearly risk-free if held for the entire term.
It varies, but for example — a $1,000 T-Bill may cost $995.82 to purchase, generating an income of $4.18 over a 4-week period. This equates to 5.37% annualized yield.1
| THE ATOMIC TREASURY INVESTMENT ACCOUNT4 | HIGH YIELD SAVINGS ACCOUNT | REGULAR SAVINGS ACCOUNT | |
|---|---|---|---|
| YIELD* | T-Bills tend to offer higher yields than high-yield savings accounts. Yields are fixed for each T-Bill held in your account. | Yields are typically lower than a Treasury investment account and can fluctuate at any time, and payment of interest is not guaranteed. | Yields are a fraction of what a high-yield account or Treasury investment account may offer, and payment of interest is not guaranteed. |
| TAXES** | Earned interest is exempt from state and local taxes, so you can keep more of your money. | Earned interest is subject to state and local taxes, which can be hefty in areas with high tax burdens. | Earned interest is subject to state and local taxes, which can be hefty in areas with high tax burdens. |
| SECURITY | Protected by SIPC but not insured by the Federal Deposit Insurance Corporation. | Insured by the Federal Deposit Insurance Corporation up to maximum limits allowed by law. | Insured by the Federal Deposit Insurance Corporation up to maximum limits allowed by law. |
*This is the money you are paid from investing in T-Bills or keeping your money in savings accounts.
**Earned interest generated from these accounts is typically taxed—just like your paycheck. Federal tax is due each year on earned interest.
It pays to go plus — up to $500/year in cash rewards and exclusive savings.1 Join for just $49 a year to get access to our insurance assistant and more:
Earn cash for making smart decisions with eligible products4 on NerdWallet — and for the smart financial moves you’re already making.
Get exclusive access to Atomic’s Treasury account, which has a 5.37% yield.5 Plus, its interest income is exempt from state and local income taxes.
Send our NerdWallet writers your questions about financial topics like credit, debt, budgeting, and insurance, and they’ll get you a reply within 2 business days.
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Our insurance assistant allows you to link and manage your insurance information in one central location — so it’s easy to find when you need it.
It also looks at what you're paying for your policy, and automatically shops national and regional insurers to find lower quotes for you.
Find the insurance assistant on your NerdWallet+ member dashboard.
You can link auto insurance and property insurance (home insurance or renters insurance) from the following insurance companies:
First, we use the information you provide to create a rate report especially for you. The rate report reveals how your premium compares to average rates from major insurers in your area for people like you. Average rates are based on factors like location and credit score, and may differ from final quotes.
Then, we do the work to get quotes for lower premiums from national and regional insurance carriers. We’re constantly on the lookout for new deals for you, and when we uncover potential savings, we let you know. You’ll be able to compare quotes online before finalizing them with our partner, Covered. Your final price may differ from your initial quote.
Our partner, Covered, works with national and regional insurance carriers, including:
After joining NerdWallet+, log in to your NerdWallet account and link your current auto or property insurance policy. Our insurance assistant takes over from there – continually shopping around for you and gathering quotes from national and regional carriers.
The amount of time needed to gather quotes can vary due to the factors insurers consider when setting their rates. We could have quotes ready for you in days or weeks, depending on your current rates and market prices. Watch your insurance dashboard for status updates.
We’ll alert you when we find quotes lower than what you’re paying now. You’ll be able to follow a link to see your quotes.
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2Must have a policy with one of our 100+ supported carriers TK TK TK
3As of xx/xx/xxxx TK TK TK
4All eligible products require partner approval. See partner terms and conditions before applying.
5Yields may vary based on dates of issuance and maturity. Yield is an annualized [N]-week T-Bill rate when held to maturity as of [xx/xx/xx] [date must be within the last 7 days]. The rate shown is subject to price fluctuation and is net of fees. T-Bills are purchased at a discount to par (par = $1,000), with the price being subject to market fluctuation. The amount of T-Bills available at a particular yield will depend upon the sellers’ offer size; any remaining cash balance after the purchase may not earn the same yield. In general the bond market is volatile, and fixed income securities carry interest rate risk. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income securities also carry other risks, including inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Income earned on Treasuries is exempt from state and local taxes, but taxable by the federal government.
| THE ATOMIC TREASURY INVESTMENT ACCOUNT4 | HIGH YIELD SAVINGS ACCOUNT | REGULAR SAVINGS ACCOUNT | |
|---|---|---|---|
| YIELD* | T-Bills tend to offer higher yields than high-yield savings accounts. Yields are fixed for each T-Bill held in your account. | Yields are typically lower than a Treasury investment account and can fluctuate at any time, and payment of interest is not guaranteed. | Yields are a fraction of what a high-yield account or Treasury investment account may offer, and payment of interest is not guaranteed. |
| TAXES** | Earned interest is exempt from state and local taxes, so you can keep more of your money. | Earned interest is subject to state and local taxes, which can be hefty in areas with high tax burdens. | Earned interest is subject to state and local taxes, which can be hefty in areas with high tax burdens. |
| SECURITY | Protected by SIPC but not insured by the Federal Deposit Insurance Corporation. | Insured by the Federal Deposit Insurance Corporation up to maximum limits allowed by law. | Insured by the Federal Deposit Insurance Corporation up to maximum limits allowed by law. |
*This is the money you are paid from investing in T-Bills or keeping your money in savings accounts.
**Earned interest generated from these accounts is typically taxed—just like your paycheck. Federal tax is due each year on earned interest.
THE ATOMIC TREASURY INVESTMENT ACCOUNT3
T-Bills tend to offer higher yields than high-yield savings accounts. Yields are fixed for each T-Bill held in your account.
REGULAR SAVINGS ACCOUNT3
Check back soon — we’ll continue to refresh your report so you always know if you have a good deal.
Once you’ve deposited money into your Atomic Treasury account, T-Bills are purchased for you at a discount and are held to maturity (unless you withdraw money early). Your earnings and principal are automatically reinvested into new T-Bills of the same term.
