CD and savings rate changes
Every average on this page says how many accounts it covers and the dates the rates were read. The same averages appear on the statistics pages.
Newest rate reading in the catalog: October 25, 2026
What is the catalog average right now?
CD average
4.24%
15 CDs with a published APY, read Sep 17, 2026 to Oct 19, 2026
Only the 14 read in the last 14 days: 4.29%
Savings average
3.21%
50 savings accounts with a published APY, read Aug 11, 2026 to Oct 25, 2026
Only the 46 read in the last 14 days: 3.19%
+2.84 pts vs FDIC
FDIC savings average
0.37%
September 21, 2026. Floor, not a competitor.
Source: fdic.gov/national-rates-and-rate-caps, read October 14, 2026
How is the average built?
Average of the 50 savings accounts with a published APY (of 52 tracked), read between Aug 11, 2026 and Oct 25, 2026, median age 8 days. It is not a national index. It depends on which accounts are in the catalog, so it can move when accounts are added or removed even if no rate changes; averages quoted in older articles and reports describe the accounts tracked on their own dates.
Average of the 15 CDs with a published APY, read between Sep 17, 2026 and Oct 19, 2026, median age 7 days. It is not a national index. It depends on which accounts are in the catalog, so it can move when accounts are added or removed even if no rate changes; averages quoted in older articles and reports describe the accounts tracked on their own dates. Each product contributes its headline APY once, which is the single figure shown on its page.
The FDIC gap uses the 0.37% FDIC national savings average, September 21, 2026. The full tables are on CD rates and savings rates.
Which published rates moved in the last 30 days?
First automated reading versus last, kept only where the last reading equals the APY we verified on the product's page. One row per product.
| Product | From | To | Change | Verified on its page |
|---|---|---|---|---|
| Wealthfront Cash Account | 4.45% | 3.55% | -0.90 pts | 3.55% read October 22, 2026 |
| Popular Direct CD | 4.35% | 4.65% | +0.30 pts | 4.65% read October 19, 2026 |
| EverBank Performance Savings | 3.9% | 4.2% | +0.30 pts | 4.2% read October 21, 2026 |
| EverBank Performance CD | 4.1% | 4.35% | +0.25 pts | 4.35% read October 19, 2026 |
| First Internet Bank CD | 3.76% | 4% | +0.24 pts | 4% read October 19, 2026 |
Automated readings we have not verified
A script reads these bank pages and extracts a number; when that number differs from the APY we verified by hand, the verified figure is the one on the product page and in every average. Treat the left column as unconfirmed.
| Product | Automated reading (first to last) | Verified figure |
|---|---|---|
| Betterment Cash Reserve | 3.5% to 4.4% (October 22, 2026) | 3.50% read October 14, 2026 |
| Axos ONE | 4.21% to 5% (October 21, 2026) | 4.21% read October 14, 2026 |
| Pibank Savings | 4.1% to 4.4% (October 22, 2026) | 4.25% read October 14, 2026 |
| Zynlo Money Market | 3.85% to 4.1% (October 22, 2026) | 4.05% read October 22, 2026 |
| Openbank High Yield Savings | 4.15% to 4.35% (October 21, 2026) | 4.00% read October 14, 2026 |
| Ally Bank High Yield CD (18 Month) | 4.25% to 4.4% (October 18, 2026) | 4.25% read October 14, 2026 |