THE AVERAGE SAVINGS ACCOUNT PAYS 0.38%. TREASURY ETFS PAY OVER 9X THAT $10,000 in the average savings account just earns about $38 a year (FDIC national rate, October 2026). Here is what the same $10,000 earns in 3 short-term Treasury ETFs: $USFR WisdomTree Floating Rate Treasury Fund: 4.08% distribution rate, $408 per year $SGOV iShares 0-3 Month Treasury Bond ETF: 3.58% distribution rate, $358 per year $BIL State Street SPDR Bloomberg 1-3 Month T-Bill ETF: 3.45% distribution rate, $345 per year Size check on ETFDB: $SGOV now holds $116.9 billion in assets, close to $SCHD Schwab U.S. Dividend Equity ETF at $118.8 billion. Different products: a savings account is an FDIC-insured bank deposit. A Treasury ETF holds U.S. Treasury securities, and its share price can move. Rate = latest monthly distribution times 12, divided by the October 27, 2026 close. Amounts: USFR $0.17115, SGOV $0.30055, BIL $0.26318. FDIC savings rate as of October 19, 2026. Distribution rate is not total return.