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Fidelity Savings and Money Market Rates

Latest rate data:

Savings Accounts

Fidelity Cash Management

Bank sweep / cash account · Insurer not verified

1.96%

APY

Minimum balance
$0
Opening deposit
$0

History under review · Chart and rate change unavailable.

Account details & sources
Last checked
Nov 14, 2026
Provider date
Nov 13, 2026
Last attempt
Nov 14, 2026

Choose between an FDIC bank sweep and SPAXX. SPAXX is a money-market investment and is not FDIC-insured.

The displayed APY applies to the FDIC-Insured Deposit Sweep. Money-market fund yields are shown separately in the fund listings.

History is under review: observations mixed an FDIC bank sweep APY with a money-market fund yield. These are different products and cannot form one comparable rate history.

Selected terms reviewed 2026-10-02 · Provider source

Compare fees, requirements, and alternatives

Money Market Funds

Fidelity Government

Money Market Fund • SPAXX

3.55%

7-day yield

Expense Ratio
0.42%
Minimum Investment
$0
Observed change
+0.24 pp
Provider date
Nov 12
Rate details & state tax
Last checked
Nov 14, 2026
Provider date
Nov 12, 2026
Last attempt
Nov 14, 2026

U.S. government income: 50.9%. Fidelity 2025 tax report

No exemption in California, Connecticut or New York; the fund does not meet their thresholds. Other state rules apply.

Rate history
Last observed SEC yield 3.55% on Nov 14, 2026; up 0.24 percentage points since Aug 14, 2026.
3.00%3.25%3.50%3.75%4.00%Aug 14Sep 14Oct 15Nov 14

Fidelity Money Market

Money Market Fund • SPRXX

3.63%

7-day SEC yield

Expense Ratio
0.42%
Minimum Investment
$0
Observed change
+0.28 pp
Rate date
Nov 14
Rate details & state tax
Last checked
Nov 14, 2026
Last attempt
Nov 14, 2026

U.S. government income: 14.56%. Fidelity 2025 tax report

No exemption in California, Connecticut or New York; the fund does not meet their thresholds. Other state rules apply.

Rate history
Last observed SEC yield 3.63% on Nov 14, 2026; up 0.28 percentage points since Aug 14, 2026.
3.00%3.25%3.50%3.75%4.00%Aug 14Sep 14Oct 15Nov 14

Fidelity Municipal

Money Market Fund • FTEXX

2.22%

7-day SEC yield

Expense Ratio
0.39%
Minimum Investment
$0
Observed change
+0.64 pp
Rate date
Nov 14
Rate details & state tax
Last checked
Nov 14, 2026
Last attempt
Nov 14, 2026

State exemption varies by state. Fidelity 2025 tax report

Indiana state-exempt income: 10.91%. Indiana supplement

Utah state-exempt income: 31.88%. Utah supplement

Other state exemptions require the applicable state rules and fund allocation. AMT may apply.

Rate history
Last observed SEC yield 2.22% on Nov 14, 2026; up 0.64 percentage points since Aug 14, 2026.
0.75%1.50%2.25%3.00%3.75%Aug 14Sep 14Oct 15Nov 14

Fidelity Prime Premium

Money Market Fund • FZDXX

3.75%

7-day SEC yield

Expense Ratio
0.36%
Minimum Investment
$100,000
Observed change
+0.28 pp
Rate date
Nov 14
Rate details & state tax
Last checked
Nov 14, 2026
Last attempt
Nov 14, 2026

U.S. government income: 14.56%. Fidelity 2025 tax report

No exemption in California, Connecticut or New York; the fund does not meet their thresholds. Other state rules apply.

Rate history
Last observed SEC yield 3.75% on Nov 14, 2026; up 0.28 percentage points since Aug 14, 2026.
3.25%3.50%3.75%4.00%Aug 14Sep 14Oct 15Nov 14

Fidelity Treasury Only

Money Market Fund • FDLXX

3.62%

7-day SEC yield

Expense Ratio
0.42%
Minimum Investment
$0
Observed change
+0.25 pp
Rate date
Nov 14
Rate details & state tax
Last checked
Nov 14, 2026
Last attempt
Nov 14, 2026

U.S. government income: 98.67%. Fidelity 2025 tax report

Meets the California, Connecticut and New York fund thresholds. State rules apply.

Rate history
Last observed SEC yield 3.62% on Nov 14, 2026; up 0.25 percentage points since Aug 14, 2026.
3.00%3.25%3.50%3.75%4.00%Aug 14Sep 14Oct 15Nov 14