Current Rates

Our latest rates for certificates of deposit (CDs), bonds and other investments and loans.

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Current rates - as of 7/24/2024

FDIC-Insured Certificates of Deposit Rates

FDIC - Insured Certificates of Deposit: Displays the minimum deposit and rate for FDIC-Insured certificates of deposit for terms from 3-months through 10-years.
TermAnnual Percentage Yield* (%)
3-month5.20%
6-month5.05%
9-month4.95%
1-year4.80%
18-month4.65%
2-year4.50%
30-monthN/A
3-year4.45%
4-year4.30%
5-year4.30%
7-yearN/A
10-yearN/A

Maturities and/or rates may not be available in all states.

*Annual Percentage Yield (APY), effective 07/24/2024. APY interest cannot remain on deposit; periodic payout of interest is required. Certificates of deposit (CDs) offered by Edward Jones are bank-issued and FDIC-insured up to $250,000 (principal and interest accrued but not yet paid) per depositor, per depository institution, for each account ownership category.  Edward Jones is not a bank or FDIC-insured institution and deposit insurance only covers the failure of an insured bank. FDIC insurance for brokered-CDs offered by Edward Jones is provided by the FDIC-insured banks that issue the CDs on a "pass-through" basis, which requires certain conditions to be met for coverage to apply. The list of those banks frequently changes. For a list of banks in our network offering brokered-CDs, see List of Banks for Brokered FDIC-Insured Certificates of Deposit (CDs).   Contact your financial advisor to determine availability. Above-referenced maturities and rates subject to availability and price change. CD values are subject to interest rate risk such that when interest rates rise, the prices of CDs can decrease. If CDs are sold prior to maturity, the investor can lose principal value. FDIC insurance does not cover losses in market value. Early withdrawal may not be permitted. Yields quoted are net of all commissions. CDs require the distribution of interest and do not allow interest to compound. CDs offered through Edward Jones are issued by banks and thrifts nationwide. All CDs sold by Edward Jones are registered with the Depository Trust Corp. (DTC).

U.S. Treasury Bills, Notes and Bond Rates 

U.S. Treasury Bills, Notes and Bonds: Displays the rate for US Treasury Bills, Notes and Bonds for terms from 3 months through 30 years
U.S. Treasury Bills, Notes and BondsYTM (%)
3-Month4.98%
6-Month4.98%
1-Year4.73%
2-Year4.35%
5-Year4.05%
10-Year4.14%
30-Year4.42%

These are exempt from state income tax and backed as to the timely payment of principal and interest.

All rates expressed as yield to maturity as of 7/24/2024 unless otherwise indicated. Yield and market value will fluctuate if sold prior to maturity, and the amount received from the sale of these securities may be less than the amount originally invested. U.S. Treasury Bills, Notes and Bonds are not insured by the FDIC, are not deposits, and may lose value.

For more information on these and other investments, please contact your local Edward Jones financial advisor today.

Government-sponsored Enterprise Note Rates

Government-sponsored Enterprise Notes: Displays the range of rates for Government-sponsored Enterprise Notes
Issuing AuthorityYTM (%)
Fannie Mae, Freddie Mac and Tennessee Valley Authority2.83% to 5.75%

These notes are not guaranteed by and are not debts or obligations of the United States or any federal agency or instrumentality other than the sponsoring enterprise. They are not FDIC-insured, are not deposits, and may lose value. They are backed by (and only by) the full faith and credit of the issuer.

For more information on these and other investments, please contact your local Edward Jones financial advisor today.

Corporate Bond Rates

Corporate Bonds: Displays the range of rates for Corporate Bonds
Bond TypeYTM (%)
Investment Grade4.00% to 5.96%

Investment-grade bonds are those with a rating of AAA to BBB or Aaa to Baa2 by Moody's. If bonds are also insured as to the timely payment of principal and interest, no representation is made as to the insurer's ability to meet its commitments. Corporate Bonds are not FDIC-insured, are not deposits, and may lose value.

For more information on these and other investments, please contact your local Edward Jones financial advisor today.

Personal Line of Credit Rates (Effective July 27, 2023)

Personal Line of Credit: Displays the rates for Personal Line of Credit loans for amounts under $100,000 to over $10,000,000
Pricing Group Assets Under CareRate (%)
less than $100,00010.50%
$100,000 to $249,999.9910.25%
$250,000 to $499,999.999.75%
$500,000 to $999,999.999.25%
$1,000,000 to $2,499,9998.00%
$2,500,000 to $4,999,9997.75%
$5,000,000 to $9,999,9997.50%
$10,000,000 and over7.25%

Rates effective as of July 27, 2023. The margin interest rate is variable and is established based on the higher of a base rate of 4.00% or the current prime rate.

Our Personal Line of Credit is a margin loan and is available only on certain types of accounts. Investing on margin or using a margin loan involves risk and is not appropriate for everyone. You can lose more funds than you deposit in the margin account. If the value of the securities in your margin account decline, you may be required to deposit cash or additional securities. In the event of a margin call, the firm can sell securities or other assets in your accounts and can do so without notice to you. You may not be entitled to choose which securities or other assets in your accounts are liquidated or sold to meet a margin call. The firm can increase its maintenance margin requirements at any time and/or not grant an extension of time on a margin call. Interest will begin to accrue from the date of the loan and be charged to the account.

For more information on these and other investments, please contact your local Edward Jones financial advisor today.

Tax-free Bond Rates

Tax-free Bonds: Displays the rate for Tax-free AAA, AA and A Bonds
Bond RatingYTM (%)
AAA2.08% to 4.51%
AA1.06% to 4.54%
A1.87% to 4.49%

These are exempt from federal income tax; however, they may be subject to state and local taxes and the alternative minimum tax (AMT). These bonds are not FDIC-insured, are not deposits, and may lose value.

For more information on these and other investments, please contact your local Edward Jones financial advisor today.

Consumer Price Index

Consumer Price Index: Displays the Consumer Price Index
Consumer Price Index (YOY)
3.00% (trailing 12 months)

Prime Rate

Prime Rate: Displays the Prime Rate
8.50% (effective 07/27/2023)

FDIC Insured Bank Deposit Rates (Effective 03/23/2023)

Insured Bank Deposit: Displays rates for Insured Bank Deposits for less than $250,000 to over $2,500,000
Interest Rate TierPricing Group RangeInterest Rate
1Less than $250,0001.00%
2$250,000–$499,999.991.70%
3$500,000–$999,999.991.70%
4$1,000,000–$9,999,999.992.25%
5$10,000,000 and above2.75%

Edward Jones is a not a bank or FDIC-insured institution and deposit insurance only covers the failure of an insured bank. FDIC insurance for deposits held in the Insured Bank Deposit Program ("Program") is provided by the FDIC-insured banks that participate in the Program, on a "pass-through" basis which requires certain conditions to be met for coverage to apply. For a current list of the network of FDIC-insured banks participating in the Program, see Insured Bank Deposit. Additional information concerning how interest rates are determined and other important disclosures are included in the Program Disclosure, available from your Edward Jones financial advisor on our website. For more information on FDIC insurance, go here.

Interest on Uninvested Cash Balances

Interest on Uninvested Cash Balances: Displays the rate for Retirement and Non-Retirement Uninvested Cash Balances
Account TypeYTM (%)
Retirement1.00%
Non-Retirement1.00%

Cash Interest is held in the account as a "free credit balance," which is a liability of Edward Jones and payable on demand to the client. Free credit balances are presumed to be awaiting investment and should not be held solely for the purpose of earning interest. Free credit balances are used by Edward Jones in the ordinary course of its business subject to the requirements of Rule 15c3-3 under the Securities Exchange Act of 1934. The use of clients' free credit balances generates revenue for Edward Jones, in the form of interest and income, which Edward Jones retains as additional compensation. For more information on how Edward Jones is compensated, please see  Understanding How We Are Compensated for Financial Services, which is also available from your Edward Jones financial advisor. Cash Interest is calculated daily based on the cash balance of the account for that day and is paid monthly. Rates for Cash Interest are determined by Edward Jones and are influenced by many factors including Federal Reserve Board policy as well as other market conditions.

Edward Jones is a not a bank or FDIC-insured institution and deposit insurance only covers the failure of an insured bank. FDIC insurance for deposits held as Cash Interest is provided by the FDIC-insured banks where funds are deposited into accounts held for the benefit of Edward Jones' clients, on a "pass-through" basis, which requires certain conditions to be met for coverage to apply. For a current list of the network of FDIC-insured banks where Cash Interest may be deposited, see FDIC-insured Banks Holding Customer Reserve Accounts (PDF).

For more information on these and other investments, please contact your local Edward Jones financial advisor today.

Edward Jones Money Market Fund Rates

Edward Jones Money Market Fund: Displays the 7-day current rate for Investment Shares and Retirement Shares for the Edward Jones Money Market Fund
Taxable Money Market Fund7-Day Current Yield (%)
Investment Shares4.69%
Retirement Shares4.68%

Important information about money market funds.

Rates effective 07/23/2024.

As of Feb. 9, 2019, the Edward Jones Money Market Fund (Fund) is no longer available for new Select accounts or existing Select accounts that did not have the Fund as the sweeper option on that date. The Fund is still available for new pooled retirement plans, Advisory Solutions accounts and Guided Solutions accounts.

Edward Jones Money Market Fund – Yields represent past performance. Past performance is not a guarantee of future results. Current performance may be lower or higher than the performance quoted. Yields will fluctuate as market conditions change. The seven-day net annualized yield is based on the average net income per share for the seven days ended on the date of calculation and offering price on that date.

You should carefully consider the investment objectives, risks, and charges and expenses before investing. The prospectus and summary prospectus, containing this and other information, are available from your financial advisor. You should read the prospectus and summary prospectus carefully before investing.

You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the FDIC or any other government agency, is not a deposit, and may lose value. The Fund's sponsor has no legal obligation to provide financial support to the Fund and you should not expect that the sponsor will provide financial support to the Fund at any time.

Yields represent past performance. Past performance is not a guarantee of future results. Current performance may be lower or higher than the performance quoted. Yields will fluctuate as market conditions change.

The seven-day net annualized yield is based on the average net income per share for the seven days ended on the date of calculation and offering price on that date.

For more information on these and other investments, please contact your local Edward Jones financial advisor today.

Important Information:

Rates and yields shown are subject to availability and change without notice. Rates are provided for informational purposes only and should not be deemed a solicitation for any specific investment.

Unless otherwise specified, rates are expressed as yield to maturity (YTM). Yield and market value will fluctuate if sold prior to maturity, and the amount received from the sale of these securities may be less than the amount originally invested.

This information is presented to better enable you to recognize the underlying differences between investments featured and the resulting relationships of the rates presented.

There is a risk/reward relationship to every investment. Put simply, this means the higher the rate, the greater the relative risk.

Diversification should be a major consideration when selecting investments. The rates and yields presented are those available on the date and time displayed, and are subject to availability and change without notice.