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: October 13, 2026
What is the catalog average right now?
Fresh CD average
4.11%
6 CDs stamped in 14 days
+3.73 pts vs FDIC
Fresh savings average
3.06%
17 accounts stamped in 14 days
+2.68 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 | 4.4% | 3.5% | -0.90 pts | September 15, 2026 | October 9, 2026 |
| Axos ONE | 4.21% | 5% | +0.79 pts | September 14, 2026 | October 8, 2026 |
| Openbank High Yield Savings | 3.8% | 4.15% | +0.35 pts | September 14, 2026 | October 7, 2026 |
| Popular Direct CD | 4.35% | 4.65% | +0.30 pts | September 18, 2026 | October 6, 2026 |
| EverBank Performance Savings | 3.9% | 4.2% | +0.30 pts | September 16, 2026 | October 11, 2026 |
| Wealthfront Cash Account | 4.2% | 4.45% | +0.25 pts | September 14, 2026 | October 8, 2026 |
| Robinhood Gold Cash Sweep | 3.35% | 3.6% | +0.25 pts | September 16, 2026 | October 11, 2026 |
| E*TRADE Premium Savings | 4% | 4.25% | +0.25 pts | September 17, 2026 | October 12, 2026 |
| EverBank Performance CD | 4.1% | 4.35% | +0.25 pts | September 17, 2026 | October 13, 2026 |
| First Internet Bank CD | 3.76% | 4% | +0.24 pts | September 17, 2026 | October 13, 2026 |
| LendingClub LevelUp Savings | 4% | 4.2% | +0.20 pts | September 18, 2026 | October 13, 2026 |
| Pibank Savings | 4.1% | 4.25% | +0.15 pts | September 16, 2026 | October 12, 2026 |