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Earn a 5.37% yield1 with a Treasury account

With a competitive yield and no state or local taxes on earned interest, the Atomic Treasury account can offer a smarter way to save. As a NerdWallet+ member, you get exclusive access.

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What sets this Treasury investment account apart
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.

How the Atomic Treasury account works

1
Enjoy exclusive access

Congratulations on making the most of your membership!

2
Open your account
Deposit money into your Atomic Treasury account, and all of the work is done for you — including purchasing Treasury Bills, holding them to maturity, and re-investing in new T-Bills of the same term.2

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3
Watch your investment grow
Take advantage of a higher yield without having to pay state or local income taxes 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.

NERDY TIP 🤓
You can take money out of your Atomic Treasury account at any time, but to capture the full yield, you’ll need to allow your T-Bills to mature — this generally takes 4 weeks from the date of investment.
All about Treasury Bills
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What are they?
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.
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How do I earn money?
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.
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Why trust them?
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.
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What returns could I get?
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.

More reasons to join NerdWallet+

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:

Cash rewards

Earn cash for making smart decisions with eligible products4 on NerdWallet — and for the smart financial moves you’re already making.

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Treasury account

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.

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FAQs

1$650 value is based on a combination of the maximum $380 in rewards and maximum of $192 savings on exclusive offers like ID Theft protection. Offers may expire or change without notice.

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.

What sets this Treasury investment account apart
YIELD*
TAXES
SECURITY

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.


Earned interest is exempt from state and local taxes, so you can keep more of your money


Protected by SIPC but not insured by the Federal Deposit Insurance Corporation2
HIGH-YIELD SAVINGS ACCOUNT


Yields are typically lower than a Treasury investment account and can fluctuate at any time, and payment of interest is not guaranteed


Earned interest is subject to state and local taxes, which can be hefty in areas with high tax burdens


Insured by the Federal Deposit Insurance Corporation up to maximum limits allowed by law

REGULAR SAVINGS ACCOUNT3


Yields are a fraction of what a high-yield account or Treasury investment account may offer, and payment of interest is not guaranteed
Earned interest is subject to state and local taxes, which can be hefty in areas with high tax burdens
Insured by the Federal Deposit Insurance Corporation up to maximum limits allowed by law
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Rate analysis

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Automatic updates

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.

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NerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open an investment advisory account with Atomic. NerdWallet receives compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest.

Brokerage services for Atomic are provided by Atomic Brokerage LLC, a registered broker-dealer and member of FINRA and SIPC and an affiliate of Atomic, which creates a conflict of interest. For more details about Atomic, please see the Form CRS, Form ADV Part 2A and Privacy Policy. For more details about Atomic Brokerage, please see the Form CRS, the Atomic Brokerage General Disclosures. You can check the background of Atomic Brokerage on FINRA’s BrokerCheck.

Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged.

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