Compare Financial Products Side by Side

Pick up to three listings from the directory, then weigh them against each other on the attributes that decide the choice — fees, minimums, features, regulation and ratings.

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What you're comparing

You have 2 listings in the compare tray: TreasuryDirect Account (Direct purchase platform) and 13-Week Treasury Bill (Short-duration T-Bill). Below, each row shows the attribute, what it measures, and which listing leads when the value can be ranked numerically.

TreasuryDirect Account

Direct purchase platform

Top rated13-Week Treasury Bill

Short-duration T-Bill

Rating 3.9 (530) 4.7 (170)
Yield
Annualized discount or coupon rate — moves with the Fed's policy rate.
Market auction rate~5.3%
Maturity
(higher is better)
How soon you get principal back — T-Bills run from a few weeks to 52 weeks.
4 weeks to 30 years13 weeks
Minimum
(lower is better)
Smallest face-value purchase — $100 at TreasuryDirect, one share at most ETF wrappers.
$100$100
Tax
T-Bill interest is exempt from state and local income tax, a real edge in high-tax states.
State/local exemptState-tax exempt
RegulationUS TreasuryUS Treasury, SEC
Pros
  • + Zero fees
  • + Direct from issuer
  • + Auto-rollover available
  • + Effectively no credit risk
  • + Short maturity reduces interest-rate risk
  • + State-tax exempt
Cons
  • Dated interface
  • No secondary market sales
  • Password recovery process is slow
  • Yields fall with federal-funds-rate cuts
  • Limited capital-gains upside
  • Inflation can outpace short-term yields
HeadquartersWashington, DCWashington, DC, United States
Founded19861929
License
Experience levelBeginner
VisitVisit TreasuryDirect Account

Bottom line

Across the attributes that can be ranked numerically: 13-Week Treasury Bill leads on maturity (13 weeks); TreasuryDirect Account leads on minimum ($100). Use this as a starting point — your own situation (account type, deposit size, jurisdiction) decides which of those leads actually matters.

How to use this comparison

Side-by-side comparisons make trade-offs visible — but only if you compare on the dimensions that actually drive the decision. A 0.10% expense-ratio difference between two near-identical broad-market ETFs is real, but rarely the deciding factor for a $5,000 investment. A 5-year track record difference between two robo-advisors usually matters less than whether they support the account type you need.

Before you commit to one option, write down two or three deal-breakers. Maybe it's "must support a SEP IRA". Maybe it's "must have a no-fee checking account included". Filter against those first, then look at marginal differences.

Where possible, every numeric attribute in the table is sourced from the business's own disclosures or a regulator filing. We refresh claimed and verified listings on at least a quarterly cycle; unclaimed listings rely on our last editor review, and we mark the date so you can judge how recent the information is.

Frequently asked questions

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