Your cash should work as hard as you do.
Earn a competitive yield on every dollar — backed by US Treasury Bills. No lock-up. No minimums. Withdraw any time.
T-Bills
Backed by
0.46%
National avg savings
0.01%
Your bank probably pays
Deposit cash
Transfer from any US bank account. As little as $1.
We buy T-Bills
Your cash is immediately invested in short-term US Treasuries.
Yield posts daily
Watch your balance grow every single day. Withdraw any time.
Why BondBridge HYCA
Everything a savings account should be — and isn't.
Competitive T-Bill yield
Your idle cash earns the same rate the US government pays on T-Bills — significantly above the national savings average. Rates vary with market conditions.
Backed by US Treasuries
Your balance is invested in short-term US Treasury Bills — direct obligations of the US government, backed by the full faith and credit of the United States. T-Bills have never defaulted in US history.
Instant access (Elite)
No lock-up periods. No penalties. Withdraw any time. Elite members get instant transfers; Pro members get same-day.
Auto-reinvestment ladder
Pro and Elite members can set up a T-Bill ladder that auto-reinvests at maturity — keeping your cash working continuously. Rates vary with market conditions.
Spend your yield
Pair your HYCA with the BondBridge Card (planned experience). Your yield posts to your spending balance automatically.
Live yield dashboard
Watch your money grow in real time. Daily accrual display, monthly statements, and annual tax forms included.
How we compare
The only account with no annual fee and T-Bill backing.
| Provider | APY | Lock-up | Min. deposit | Protection | Fee |
|---|---|---|---|---|---|
| BondBridge HYCAYou | T-Bill rate* | None | $1 | T-Bill backed | Free–$99 one-time |
| Wealthfront Cash | 5.00% | None | $1 | FDIC up to $8M | 0.25%/yr AUM |
| SoFi Savings | 4.60% | None | $0 | FDIC $250K | Free (direct dep.) |
| Marcus by Goldman | 4.50% | None | $0 | FDIC $250K | Free |
| Fidelity Cash Mgmt | 4.97% | None | $0 | FDIC via sweep | Free |
| Traditional Savings | 0.46% | None | $0 | FDIC $250K | Monthly fees vary |
Competitor rates as of September 2026 and subject to change. BondBridge HYCA yield tracks current T-Bill rates and varies with market conditions. BondBridge is pre-launch.
Pricing
Pay once. Keep your full yield.
No annual fees. No percentage of your balance. One small one-time unlock — then 100% of your T-Bill yield passes through to you. Rates vary with market conditions.
Free
$0 No monthly fee
- Up to $10,000 balance
- Current T-Bill yield on full balance
- T-Bill backed — government safe
- Standard 1–2 day withdrawals
- Mobile app access
- Monthly yield statement
Pro
$29 one-time unlock
- Up to $250,000 balance
- Current T-Bill yield on full balance
- T-Bill backed — government safe
- Same-day withdrawals
- Auto-reinvestment ladder
- Priority customer support
- Quarterly yield report
- BondBridge Card access (planned experience)
Elite
$99 one-time unlock
- Unlimited balance
- Current T-Bill yield on full balance
- T-Bill backed — government safe
- Instant withdrawals
- Auto-reinvestment ladder
- Dedicated account manager
- Annual tax optimization report
- BondBridge Card access — free (planned experience)
- Gold bullion access included
Why a one-time fee beats 0.25%/year — every time.
On a $50,000 balance, Wealthfront charges $125 every year. BondBridge Pro charges $29 once. After year one, you're ahead by $96. After five years, you've saved $596. The math compounds in your favor — not theirs.
Questions answered
Everything you need to know
Lock in your rate before we launch.
Waitlist members retain their current tier pricing at launch — even if we raise prices later.
BondBridge is pre-launch. HYCA is not yet available. By joining the waitlist you are not opening an account or depositing funds.
Explore the platform
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Apply for the cardCredit Builder
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Improve your credit score and earn 4.85% APY on your security deposit — no hard credit pull required.
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