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.
Congratulations on making the most of your membership!
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 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.
And not just a few bucks, either — you could save hundreds by switching policies.
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We’ll shop for you, but you make the final decision when it comes to switching.
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FAQs
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.
We’ll also let you know if we think there’s a good chance we can find you savings – but we need a few more details to unlock additional quotes. You’ll be able to follow a link to see available quotes and connect with an advisor so we can get more quotes for you.
Keep in mind that in both cases your final price may differ from the initial quote.
Insurance carriers set rates based on a variety of factors, and each insurer treats each factor differently. That’s why quotes can vary across insurers. Learn about:
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
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.