CDs vs Treasury Bills in 2026 — Which Actually Pays More After Taxes?
The Short Answer In April 2026, with 12-month Treasury yields around 4.40% and the best 12-month CD rates sitting at roughly 4.70%, the CD looks better at first glance — but if you live in California, New York, or New Jersey, the T-bill almost always wins after state tax. For IRA-held savings, CDs usually edge out. This guide shows you how to do the math in 90 seconds for your specific situation. ...