New fund options, more yield. Start earning **4.04%**today.

# Start earning 4.04% yield todayStartearning4.04%yieldtoday

Put your idle cash to work while you build with Rho Treasury.

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Rho is a fintech company, not a bank. Checking and card services provided by Webster Bank, N.A., member FDIC; savings account services provided by American Deposit Management Co. and its partner banks.

Earn without lockups

#### Pick your investments

Select U.S. Treasury Bills, Morgan Stanley MULSX, or Vanguard VFSTX to start earning on idle cash. No lockups, no extra tools.

![Three options for investment: Vanguard VFSTX, Morgan Stanley MULSX, and U.S. Treasury Bills, each with a selection circle.](https://www.rho.co/_next/image?url=https%3A%2F%2Fa.storyblok.com%2Ff%2F332122%2F840x520%2Fd03aa70406%2Ffund_values.png&w=1440&q=90)

Built-in flexibility

#### Liquidity on autopilot

Set rules once and let Rho handle the rest. Funds move automatically between Treasury and Checking as cash needs change.

![Two rectangular buttons labeled "Treasury" and "Rho Checking" with a downward arrow icon in between, on a black background.](https://www.rho.co/_next/image?url=https%3A%2F%2Fa.storyblok.com%2Ff%2F332122%2F1680x1040%2F863f8c1a01%2Fgraphic_treasury_to_checking.png&w=1440&q=90)

No spreadsheets required

#### Sync with accounting

Treasury activity flows directly into your books for smoother reconciliation and a faster month-end close.

![List of mutual fund activities: Growth on Jun 1, 2025; Sale on Mar 15, 2025; Purchase on Jan 1, 2025, with corresponding icons.](https://www.rho.co/_next/image?url=https%3A%2F%2Fa.storyblok.com%2Ff%2F332122%2F1680x1040%2F2e8885ad47%2Fgraphic_treasury_stats.png&w=1440&q=90)

#### All in one place

Manage cash, cards, and payables from one platform—no tabs to juggle or exports to chase down.

![](https://www.rho.co/_next/image?url=https%3A%2F%2Fa.storyblok.com%2Ff%2F332122%2F1680x1040%2F6681f16fbc%2Fgraphic_accounts_view.png&w=1440&q=90)

#### Set up fast

Our team helps you choose the right mix, set up auto-movements, and start earning without figuring it out alone.

![A vertical bar chart with three colored segments: Treasury 25%, Savings 30%, Operating 45%, with corresponding percentages on the side.](https://www.rho.co/_next/image?url=https%3A%2F%2Fa.storyblok.com%2Ff%2F332122%2F752x588%2F91632d15dd%2Fgraphic_treasury.png&w=1440&q=90)

#### Cash, when needed

Set rules once and Rho moves funds back to Checking automatically—so you can cover payroll, vendors, or ops without manual steps.

![A graph showing total yield earned over four months, with a peak in April. The total yield is $135,264.08.](https://www.rho.co/_next/image?url=https%3A%2F%2Fa.storyblok.com%2Ff%2F332122%2F752x488%2Fd12b6eac65%2Fgraphic_treasury.png&w=1440&q=90)

| Total Deposits | Vanguard Mutual Fund Net Yield\*\* | Morgan Stanley Mutual Fund Net Yield\* | T-Bills Net Yield† |
| --- | --- | --- | --- |
| Description | Short-term bond fund investing primarily in investment-grade corporate bonds, with other assets including government and securitized debt. Share price may fluctuate as interest rates change. | Ultra-short bond fund holding a diversified portfolio of corporate notes, commercial paper, certificates of deposit, and repurchase agreements. Minimal share price fluctuations. | Short-term U.S. Government debt security backed by the U.S. Treasury. It's a stable and predicatable way to earn yield on idle funds. |
| \> $20M | 4.04% | 3.71% | 3.58% |
| $10-20M | 3.94% | 3.61% | 3.48% |
| $5-10M | 3.84% | 3.51% | 3.38% |
| $2-5M | 3.74% | 3.41% | 3.28% |
| $100K-2M\` | 3.59% | 3.26% | 3.13% |

| Vanguard Mutual Fund Net Yield\*\* | Vanguard Mutual Fund Net Yield\*\*Morgan Stanley Mutual Fund Net Yield\*T-Bills Net Yield† |
| --- | --- |
| Description |
| Short-term bond fund investing primarily in investment-grade corporate bonds, with other assets including government and securitized debt. Share price may fluctuate as interest rates change. | Ultra-short bond fund holding a diversified portfolio of corporate notes, commercial paper, certificates of deposit, and repurchase agreements. Minimal share price fluctuations. |
| \> $20M |
| 4.04% | 3.71% |
| $10-20M |
| 3.94% | 3.61% |
| $5-10M |
| 3.84% | 3.51% |
| $2-5M |
| 3.74% | 3.41% |
| $100K-2M\` |
| 3.59% | 3.26% |

This reflects the sought net yield based on 90-day Treasury Bill rates as of 03/26/2026 and an annual fee which ranges from 0.15% for deposits of $20M or more to 0.6% (the maximum annual fee) for deposits under $2M. Individual results may vary depending on the actual investment date and investment products selected. Past performance is not a guarantee of future performance results. The yield is variable and fluctuates without prior notice. The rate shown is net of fees.

The amount of Treasury Bills available at a particular yield will depend upon the sellers’ offer size; any remaining cash balance after the purchase may not earn the same yield.

\*RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser , and subsidiary of Rho seeks to earn net returns up to 4.04% annually on your idle cash. Net yield numbers as of 03/26/2026, and assumes total Rho deposits of $20M+ and an annual fee which ranges from 0.15% for deposits of $20M or more to 0.6% (the maximum annual fee) for deposits under $2M. Registration with the SEC does not imply a certain level of skill or training.

### General

Is Rho Treasury covered by SIPC?

Securities in your Rho Treasury accounts custodied at Apex Clearing Corporation are covered by SIPC, up to $500,000 per customer, including up to $250,000 for cash. Visit the [SIPC website](https://www.sipc.org/for-investors/what-sipc-protects) for complete details.

### Rho Treasury

What is Rho Treasury?

Rho Treasury is a cash management service that allows clients to invest non-operational funds in U.S. Treasury Bills and Mutual Funds, earning yield.

Investment management and advisory services are provided by RBB Treasury LLC dba Rho Treasury, an SEC-registered investment adviser. RBB Treasury LLC facilitates investments in securities: investments are not deposits and are not FDIC-insured. Investments are not bank guaranteed, and may lose value. Investment products involve risk and past performance does not guarantee future results. Registration with the SEC does not imply a certain level of skill or training. Treasury and custodial services are provided through Apex Clearing Corp. Treasury and custodial services are provided through Interactive Brokers LLC for clients with accounts opened prior to July 2024.

Is Rho Treasury FDIC-insured?

No, securities-based portfolios do not have FDIC insurance.

What yield can I expect with Rho Treasury?

Visit the [Rho Treasury](https://www.rho.co/product/treasury) product page to see the latest market rate. The yield may change at any time and without prior notice.

How much does Rho Treasury cost?

Rho Treasury is an RIA (registered investment advisor) and charges a management fee. Please see the [ADV-2A Wrap Fee Brochure](https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=926447) for further information regarding fees and Rho Treasury.

How fast can I access my funds?

If you sell your treasury bills, you should be able to access the funds within 2-3 business days. Treasury bills sold before maturity are sold at market prices, which can fluctuate. That means that any treasury bills sold before maturity may lose value compared to your principal investment amount due to factors including, but not limited to, fluctuations in interest rates. Investments are not deposits or FDIC insured and may lose value.

Where are my cash and investments held?

When you use Rho Treasury at one of our custodial partners, your cash and investments are held in your company's name at our custodial partner, Apex Clearing Corp. (after July 2024) or Interactive Brokers LLC (pre-July 2024).

Is my business eligible for Rho Treasury?

[Rho Treasury](https://www.rho.co/product/treasury) is available for Rho clients that invest $100K or more (subject to compliance and partner review). Reach out to your Client Service representative to learn more.

### Accounting Automations

Does Rho integrate with my accounting software?

Rho has direct integrations with [QuickBooks Online](https://www.rho.co/integrations/quickbooks), [Sage Intacct](https://www.rho.co/integrations/sage-intacct), [Oracle NetSuite](https://www.rho.co/integrations/netsuite), [Campfire](https://www.rho.co/integrations/campfire), and [Puzzle](https://www.rho.co/integrations/puzzle).

We also make it easy to use CSV exports if you choose not to connect Rho with your accounting software.

![](https://www.rho.co/_next/image?url=https%3A%2F%2Fa.storyblok.com%2Ff%2F332122%2F2880x1462%2F8b19ef6f65%2Fgraphic_prefooter.png&w=1440&q=90)