Nonretirement stuff at TIAA is only for those with retirement accounts that WANT to stick around for consolidation of accounts.
Fer sure, mostly. Though TIAA does have a product or two that some without retirement accounts might want to buy. I've mentioned TREA (one only has to be related to someone with a retirement account, not be a retirement account owner to be eligible).
Another is TIAA's vanilla deferred VA, "Intelligent Variable Annuity", especially if one likes Vanguard funds. Vanguard no longer offers its own VA - it outsourced it to Transamerica. The Transamerica VA has base M&E expenses of 0.27%. The TIAA VA charges 0.35% for $100K-$500K, 0.25% for AUM above that. While that may be initially a bit higher than Transamerica, the kicker is that after 10 years, the wrapper fees drop to 10 basis points.
The TIAA VA offers most of the same Vanguard and DFA portfolios as Transamerica, while also offering a variety of TIAA portfolios (obviously) plus portfolios from Franklin, Janus, PIMCO, T. Rowe Price and others. All are low cost share classes (as opposed to other providers like Fidelity that may offer the same portfolios with higher ERs).
Transamerica VA offerings (see p. 3)
TIAA VA offerings
Fidelity VA offerings (compare PIMCO VIT Real Return 0.77% admin class E/R with TIAA's 0.52% inst class E/R)
Not that these are for most people. Just suggesting that TIAA products are not only for those with existing retirement accounts at TIAA.

Poke me on Sept 1 and I'll give it a try (and also look at data available on other sites then).
That's giving my memory a lot of credit.
That's a bug in the screener. If it were a feature, it wouldn't show a fund category criterion. The tool fails to populate the category selections for all fund types, not just domestic funds. Whether that is a software bug or a data bug (Vanguard failing to supply the categories for each fund type) isn't clear.

It was working when I left. :).

You can snack here: https://www.etf.com/etfanalytics/etf-comparison/USFR-vs-TFLO

Nice, though its duration numbers (5.10%, 5.20%) are something else (yield?)

At the page for TFLO they show its duration as -0.02. So yeah, there's a screwup there. M* says 0, or .24 "modified," for the duration. VettaFi says ultra short. And Ishares says .01. Too lazy to see what MFO premium shows.
I do see that TFLO is not fully invested, which might explain the minuscule performance differences.

Try finding information on other funds at the beginning of the month at Vanguard.
Poke me on Sept 1 and I'll give it a try (and also look at data available on other sites then).
Try finding information on other funds at the beginning of the month at Vanguard.
That's a bug in the screener. If it were a feature, it wouldn't show a fund category criterion. The tool fails to populate the category selections for all fund types, not just domestic funds. Whether that is a software bug or a data bug (Vanguard failing to supply the categories for each fund type) isn't clear.
Similarly, Fidelity failing to include D&C in its screener's fund family selection box is a bug.
And the [TIAA retirement] choices are strictly limited.
On the retirement side investment choices are limited by what the employer plan (e.g. 403(b)) offers, just as they are with most employer plans. OTOH, your wife has access to TIAA Trad and TREA which are unavailable on the retail side. Access to TREA makes opening an IRA on the retirement side almost worthwhile.
I can't imagine opening a brokerage account there based on my experiences logged into my wife's account.
TIAA has undoubtedly one of the worst sites I've ever seen. Trying to find something like the annuitization rate for a specific Trad annuity is nearly impossible. Last time I tried I think it took me around an hour.
All that said, TIAA does seem to provide access to some appealing funds that are difficult to find (NTF and low min) elsewhere. I haven't done a detailed comparison with E*Trade to see if the latter has everything that TIAA has. It does offer GLIFX with the same terms as TIAA - NTF, $10K min.
But unless one has a TIAA account (and is willing to navigate its website), one will never know what's there. Stupidity, ineptness, but not malice by TIAA.

Observations:
1) USFR have a bit better performance than TFLO for 6-12 months, but for 1-3 months they are really close...according to M* chart.
2) In the last 1-2 months VMFXX lags a bit. Stockchart shows that but it's difficult to know how accurate it is when we look at 0.45-0.49 per month. (https://schrts.co/Vzbmzihk)
3) These are very mild differences that may change after next week.
YBB: In investments, not everything is long-term
FD: love it.

ETF.com duration numbers are NOT correct.
First, for securities that reset weekly, duration should be just 1 week.
Second, even if it calculated duration ignoring the weekly resets, a portfolio of 2-yr FRNs should have duration around 1 year. There is no way one can get 5.15%, 5.20%.

You can snack here: https://www.etf.com/etfanalytics/etf-comparison/USFR-vs-TFLO

Nice, though its duration numbers (5.10%, 5.20%) are something else (yield?)

Vanguard has an OEF/ETF comparison tool that gives similar performance and tax comparisons to the M* fund compare tool, though it lacks the risk (Sharpe ratio) and portfolio data (turnover, duration, etc.) comparisons of the M* tool.
https://personal.vanguard.com/us/faces/JSP/Funds/Compare/CompareEntryContent.jsp
Fidelity's OEF/ETF screener does a pretty decent job as well. It lacks MAXDD which is found on individual M* fund pages. The only risk ratio it shows is Sharpe ratio; likewise M* pages don't offer other ratios.
Fidelity screener comparison of USFR and TFLO
Fidelity screener results for ultra-ultra-short taxable bond funds/ETFs (0.02 year duration or less)

I noticed that Bank CD offerings at Schwab, are bumping up slightly with more banks offering 5.3% CDs for almost all periods of 1 year or shorter. 18 mo CDs are also bumping up slightly, but not quite to 5.3% yet. Longer than 18 months are not changing much yet.

Long-term performance of FRN ETFs is meaningless; during much of the ZIRP regime, they had negative spreads but spreads have been positive since mid-2022. FRNs have done well since 2022 because of the ZIRP regime being gone (first the expectations, then actual); the 3-yr or 5-yr views overlook these contemporary factors.
Look at StockCharts from 1/1/22 (I have also added an ultra-ST ICSH); USFR does have a small edge over TFLO (they track different indexes).
https://stockcharts.com/h-perf/ui?s=TFLO&compare=ICSH,USFR&id=p28096591213

If you can find it [at Vanguard], their screen hasn't been updated since the oughts.
https://personal.vanguard.com/us/FundsMFSBasicSearch
Remove Vanguard from the family list, add D&C. The screener returns all seven D&C funds, including DODEX with inception date of 5/11/21. Total returns given are as of 7/31/23.
https://personal.vanguard.com/us/FundsMFSResults?query=0029-1420-0004-6220-
You do raise an interesting question: is failing to provide fund listings for free malice? IMHO this is a gray area. I think it is stupidity for an institution not to provide basic listings of its offerings. That's not in an institution's best interest. OTOH, not providing screening services (beyond product listings) could be viewed as business savvy (to entice people to sign up/subscribe). MFO tries to split the difference by providing Quicksearch for free but requiring premium membership for Multisearch.
Schwab fairly recently changed its public pages so that one cannot readily find an aggregate listing of fund offerings. That strikes me as stupid. See this MF page that gives links to fund tools that now require logins.
https://www.schwab.com/mutual-funds/find-mutual-funds
At least its screener is still free if you know its URL.
Not so with other brokerages such as Firstrade and TIAA. It seems stupid not malicious to me that TIAA doesn't publicize the fact that it offers some interesting funds NTF at low mins, such as GLIFX ($10K min). I don't know how one would discover that without already being a TIAA customer. Even a direct search returns nothing (though the search box recognizes the ticker).

Fidelity certainly demonstrated some stupidity, or perhaps laziness - by saying that all funds were eligible for auto investment (they aren't) without even checking; by telling me to post a feedback on the webpage instead of engaging in a conversation to elicit more details. It seems @Sven was more successful in actually having a conversation with Fidelity.
Regarding the fund research page, while the search box does work (as Yogi illustrated), the fund screener on that page fails to include D&C as a family one can search for.
IMHO that's worse because if you don't already know that you're interested in D&C funds, you'll never run across them on the Fidelity site. Even if you screen on some criterion other than fund family, say LCV global funds, you won't know that DODWX is available.
Screener results (no D&C)
Before attributing malice I look for some rationale. The only one I could suggest was a bias against families that pay nothing for shelf space - D&C, Schwab, and Vanguard. But that's not what is happening. Fidelity isn't hiding Schwab or Vanguard funds.
OTOH, I do attribute malice (aka ulterior motive) to Fidelity and Schwab for excluding TF funds from their "top funds" list. That's not stupidity, that's deliberate. In fact, one of those brokerages originally included TF funds in its list years ago, though I don't recall which one.

@YBB. This is a personal issue where I have set up all my bills to be paid on the 1st of each month. USFR typically pays dividends around 5 days before the end of the month and I can use the dividends to pay bills on the 1st. TFLO pays dividends in the 1st week of the month so it doesnt work as well in my scheme of how I pay bills.

If you live in a high tax state it makes more sense to go with the etf's vs the mmkt funds as the former is 100% state tax free, where the govt mmkt's are not usually, because of their repo holdings. I use both the etf USFR and also S/T bills because of this issue. I found USFR, because of its size and the way they pay dividends easier to use than TFLO.

I kept significant amounts directly at D&C for 25 years. Great outfit. Since opening a Fido brokerage account 2 years ago, more options than I’d ever imagined opened up. Age, too, has been a factor in wanting to combine everything under 1 umbrella. Possibly, the types of funds & distribution network that served one well at age 55 are not the same ones he / she might elect as they near 80. To each his own.

Current rates:
Government M-mkt funds (7-day yield) VMFXX 5.26%, SPAXX 4.97%, SNVXX 5.04%
3-mo T-Bills 5.56%, 8/17/23
FRN yield = T-Bill yield + spread (2023 range 12-20 bps).
So, one has to decide if extra 40-75 bps over m-mkt funds with FRNs makes sense. It depends on the amounts involved too. Real advantage over T-Bills is that FRNs are rolled over every 2 years, instead of every 3 months.
With FRN ETFs, decide if giving up 15 bps is worth it when the fund isn't really doing much work. I could go along with 5bps ER for such trivial work.

Added USFR to our IRA's on June 1. Lots of peace of mind.
Haven't looked at higher rated corporate floaters. Not sure the water has finished receding. Might be more naked swimmers out there. YMMV :)

Until the end of May 2023, I traded HY Munis. Since then, I'm in funds with short duration and low volatility.
I don't listen to a perma bear such as David Rosenberg. Most generic typical core funds can't handle the situation too well. DODIX, a good fund, made YTD just 1.6% with high volatility of 4% from peak to trough, while MM=VMFXX made 2.8% and RSIIX/RSIVX+CBLDX did a much better job.
see (https://schrts.co/mnyiJCSG)

Whew! Put through a small buy at Fido with fewer than 5 minutes left in the day. Prompted a time warning, but it went through. No big deal. Just wanted to throw a few more bucks at the slumping gold, metals / mining sector through a diversified CEF I own. May amount to a case of “going down with the ship”. :)
Gold ISTM fell to below $1900 today. Need @rono to do some cheer leading!