Three-month bill, the benchmark short-rate instrument.
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13-Week Treasury Bill is a short-duration t-bill in the treasury bills category regulated by US Treasury and SEC. Founded in 1929 and headquartered in Washington, DC, operating for 97 years, it is most often used for holding an emergency fund above savings-rate yields.
Why people search for this
Park cash for under a year in a government-backed, state-tax-exempt instrument.
13-Week Treasury Bill fits best when you are holding an emergency fund above savings-rate yields, and specifically when want a higher-yield alternative to a savings account. It also suits investors who need near-zero credit risk with short access.
It is not the right pick for someone who needs long-duration growth and is willing to accept equity volatility.
13-Week Treasury Bill's headline cost is purchase fee at $0 at TreasuryDirect. Secondary line items include brokerage markup (Minimal on secondary market). Always cross-check fees against the operator's current pricing page — schedules change without notice.
13-Week Treasury Bill is registered with or supervised by US Treasury, SEC (verify on SEC EDGAR). Regulatory registration is not a guarantee against loss — it means the firm operates under a defined rule-book and is subject to enforcement when it doesn't.
The closest peer to 13-Week Treasury Bill in this directory is 4-Week Treasury Bill, also a short-duration t-bill. On maturity the two differ visibly — 13-Week Treasury Bill shows 13 weeks, while 4-Week Treasury Bill shows 4 weeks. If you are torn, open both side by side in the compare tool to see every attribute laid out in one table.
| Attribute | 13-Week Treasury Bill | 4-Week Treasury Bill |
|---|---|---|
| Yield | ~5.3% | ~5.3% |
| Maturity | 13 weeks | 4 weeks |
| Minimum | $100 | $100 |
| Tax | State-tax exempt | State-tax exempt |
13-Week Treasury Bill is a short-duration t-bill in the treasury bills category, headquartered in Washington, DC. Three-month bill, the benchmark short-rate instrument.
13-Week Treasury Bill is a short-duration US Treasury security or treasury-backed product available since 1929 or earlier. It is backed by the full faith and credit of the US federal government, sold either directly via TreasuryDirect or through brokerage accounts, and the interest is exempt from state and local income tax.
The table below lists every fee 13-Week Treasury Bill discloses in its current pricing schedule, drawn from the operator's own published pages. Compare line items against rivals in the treasury bills compare tool before settling on a primary account.
| Purchase fee | $0 at TreasuryDirect |
|---|---|
| Brokerage markup | Minimal on secondary market |
This is the structured feature matrix MoneyMoodBoard editors track for every treasury bills listing. A green check means fully supported, an orange dash means conditional on tier or geography, and a red cross means the feature is unavailable today.
These are first-party reviews submitted by verified MoneyMoodBoard readers who actually use 13-Week Treasury Bill. The average rating is 4.7 of five across 170 ratings, with the distribution and individual write-ups visible below for context.
4.7 / 5
Based on 170 ratings
Seed review summarising public sentiment about 13-Week Treasury Bill: Three-month bill, the benchmark short-rate instrument. Users generally agree with the rating shown, with the trade-offs listed in the cons section being the most cited drawback.
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Before opening an account with 13-Week Treasury Bill, it helps to understand the category itself. The five short sections below explain how treasury bills work, who they suit, the main risks, where they fit in a plan, and the US regulatory rules.
T-bills are arguably the safest dollar-denominated investment in the world. They're sold at a discount and pay face value at maturity — the difference is your return.
T-bills mature in 4, 8, 13, 17, 26, or 52 weeks. You buy at a discount to face value and receive face value at maturity. Interest is exempt from state and local income tax.
Savers parking cash, building a Treasury ladder, or holding an emergency fund without giving up real yield to inflation.
Credit risk is effectively zero, but reinvestment risk is real: when rates fall, the next T-bill at maturity may yield much less. T-bills are not FDIC insured — they don't need to be.
T-bills work well for known near-term spending — a planned tax bill, a home down payment, the cash portion of an emergency fund in high-tax states. Beyond a year, the yield premium on intermediate Treasuries can be worth the small additional rate risk for money that won't be touched.
Issued by the US Treasury through weekly auctions and sold directly via TreasuryDirect.gov or through any broker. T-bill interest is exempt from state and local income tax — a meaningful boost for residents of California, New York and other high-tax states. They are full-faith-and-credit obligations of the federal government.
Quick definitions for terms used across treasury bills listings.
Short answers to the questions people most commonly type into search when researching 13-Week Treasury Bill. Each answer is composed from this listing's own data — regulator footprint, fees, headquarters, ratings — so it reflects the current state rather than a generic template.
These are the closest peers to 13-Week Treasury Bill inside the treasury bills category on MoneyMoodBoard. Open any card to compare fees, features, regulation and verified user reviews side by side, or add them to the compare tray to evaluate up to four together.
T-Bill
Four-month bill introduced in 2022.
Intermediate-short T-Bill
Six-month bill — popular for cash-ladder rungs.
Short-duration T-Bill
Shortest-duration US Treasury bill — auctioned weekly.
All numeric values, regulatory statuses and license details on this page reference primary sources above. Verify before depositing funds — schedules and registrations change without notice.