CD and savings rate changes
Averages use only products stamped in the last 14 days. Older prints stay on the hubs. They do not enter this average.
Newest stamp in the catalog: September 10, 2026
What is the catalog average right now?
Fresh CD average
4.07%
9 CDs stamped in 14 days
+3.69 pts vs FDIC
Fresh savings average
3.71%
17 accounts stamped in 14 days
+3.33 pts vs FDIC
FDIC savings average
0.38%
August 17, 2026. Floor, not a competitor.
How is the average built?
Each published CD or savings account contributes its headline APY once, and only if its issuer-page stamp is within 14 days. Two fresh CDs make a two-name average. That is not a national index. The FDIC gap uses the 0.38% FDIC national savings average, August 17, 2026. The full tables are on CD rates and savings rates.
Which published rates moved in the last 30 days?
First snapshot versus last snapshot on file. Published CDs and savings only. One row per product.
| Product | From | To | Change | First captured | Last captured |
|---|---|---|---|---|---|
| Betterment Cash Reserve | 3.25% | 4.4% | +1.15 pts | August 12, 2026 | September 10, 2026 |