Real ChatGPT answer · index seedxAOwzJhgk0kcompleteFinance and banking · budgeting and savingcomparison
Is it better to use SoFi high yield savings or a Treasury bond ladder right now to park cash I need for a house down payment in six months?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it better to use SoFi high yield savings or a Treasury bond ladder right now to park cash I need for a house down payment in six months?
3 real searches · 1 real-search pass
SoFi high yield savings account current APY October 2026 direct deposit requirements officialGoogle ↗
OBSERVEDShort fact
US Treasury bill rates 13-week 26-week October 2026 Treasury auction rates officialGoogle ↗
OBSERVEDReason
FDIC deposit insurance coverage savings accounts Treasury bills taxation state local interestGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
SoFi high yield savings account current APY October 2026 direct deposit requirements official Google ↗
US Treasury bill rates 13-week 26-week October 2026 Treasury auction rates official Google ↗
FDIC deposit insurance coverage savings accounts Treasury bills taxation state local interest Google ↗
- Open a High Yield Savings Account Online · sofi.com
- 13-Week Treasury Bill Auction Results · yielddocket.com
- 26-Week Treasury Bill Auction Results · yielddocket.com
- Publication 17 (2025), Your Federal Income Tax · irs.gov
- Your Insured Deposits · fdic.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
SoFi high yield savings account current APY October 2026 direct deposit requirements official OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
US Treasury bill rates 13-week 26-week October 2026 Treasury auction rates official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FDIC deposit insurance coverage savings accounts Treasury bills taxation state local interest OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |