You’ve Got 5% on Savings—Now What? Best Places to Invest in February 2026

February 2026: HYSA rates won’t last — here are the 9 best places to invest your next dollar. CD rates up to 5.11%, T-bill state tax advantages, private credit at 8–11%, and the long-term case for S&P 500 index funds. Data from U.S. Treasury, FDIC, and Bankrate.
