As interest rates have fallen over the last couple years, the interest rate paid on trading account balances has fallen like a rock. I have been tracking the interest paid on my IB and CyberCorp accounts, and IB is the best right now, esp. if you have a large account. First of all, IB gets good marks for publishing credit interest rates on their public website. Almost every broker publishes margin rates, but very few publish credit rates. http://www.interactivebroker1.84-25=1.84-0.25=s.com/html/retailAccount/interest.html 0% for < $10k , Libor-50bps $10 to $100k, Libor -25bps > $100k (Libor is London InterBank Offer Rate, currently 1.84% see http://www.bankrate.com/brm/ratehm.asp) So for Jul, 2002 IB is paying about 1.34% for 10k to 100k, and 1.59% for > 100k. Compared to 3.512% in May 2001. CyberTrader (owned by Schwab) does not publish credit interest rates on the website. I had to view my Penson Cash History report to find out the rate. CyberTrader is currently paying 0.917% on > $500 , compared to 3.452% in May 2001. CyberTrader had historically paid close to IB, but over the last year, the gap has widened considerably, esp. if your account > $100k. For a real horror story, ETRADE is paying a piddly 0.20% for a Credit Interest Checking account 0.65% for a Credit Interest Plus Account. https://us.etrade.com/e/t/estation/help?id=310090000 Compare this to my bank rates CheckingAcount 0.35% , SavingsAccount 1.20%, InsuredInvestment 1.6% - 2.0% (sliding scale depneding on account size) If anyone has rates for other direct access brokers, please post so we can compare. Fleance