You can get higher than that w/ fdic too. I use wealthfront and it's been great so far. Currently 5%

What’s the FDIC going to do for you when the treasuries it uses to hold its own funds are in default?

FDIC is going to return my funds defaulted treasuries are not required to do so

As far as I know, the US Treasury and FDIC are both under a legal obligation but either could be unable to fulfill its obligation if it lacks the funds. Under this scenario where the Treasury defaults, tons of banks will will be broken (since they keep money in the Treasury too), how will FDIC save them when its money is also tied up in treasuries?

5.3 FDIC

https://www.viobank.com/cornerstone-money-market-savings

Holding t-bills means you pay neither state nor local taxes, so the net difference is likely larger than 0.75% depending on where you live.

Is it possible to buy t-bills whilst avoiding the Treasury Direct website?

To answer my own questions. Yes.

https://thefinancebuff.com/treasury-bills-cd-money-market.ht...