USC Rate Brief

Data as of November 2, 2026: the 1-year Treasury yield was 4.38%. See how market yields differ from deposit APYs.

Savings education and tools

Make your savings work harder.

Compare public rate benchmarks, understand savings account types and build a practical plan—without needing an account offer to get started.

Build my savings plan Explore current rates

No bank login, application or personal account information is required.

Public benchmarksSource and date shown with every rate.

Free planning toolsModel goals before choosing an account.

Compare beyond APYFees, access, tiers and conditions matter.

Insurance explainedKnow who holds the funds and what is covered.

Start with a goal

What are you saving for?

The best account depends on when you need the money, how often you may access it and whether you can leave it untouched for a fixed term.

Build an emergency fund

Keep money accessible while earning more than a typical low-rate savings account.

Build a cushion

Earn more on idle cash

Compare variable-rate accounts and the conditions attached to the headline APY.

Compare account types

Save for a specific goal

Translate a target amount and timeline into a practical monthly contribution.

Build a goal plan

Lock a rate with a CD

Consider a fixed term when you can leave funds untouched until maturity.

Understand CDs

Rate benchmarks

A clear view of the rate environment.

These are independent public benchmarks, not bank-account offers. They provide context for evaluating live products later.

Rate methodology

National savingsFDIC National Rates · Oct 1, 20260.38%national rate

National MMDAFDIC National Rates · Oct 1, 20260.63%national rate

National 12-month CDFDIC National Rates · Oct 1, 20261.76%national rate

1-year TreasuryU.S. Treasury via Federal Reserve H.15 · Nov 2, 20264.38%market benchmark

Data as of November 2, 2026. FDIC national rates are averages across insured institutions, published monthly; Treasury yields are daily market benchmarks. Values are retrieved from the St. Louis Fed FRED service and hidden once they pass their freshness limit.

About this data

1-year Treasury yield: U.S. Treasury via Federal Reserve H.15 · retrieved November 4, 2026 · max age 3 business days · methodology usc-rates-v1
National average savings rate: FDIC National Rates · retrieved November 4, 2026 · max age 45 days · methodology usc-rates-v1
National average money market rate: FDIC National Rates · retrieved November 4, 2026 · max age 45 days · methodology usc-rates-v1
National average 12-month CD rate: FDIC National Rates · retrieved November 4, 2026 · max age 45 days · methodology usc-rates-v1

Read the rate methodology.

Account types

Choose the account type before chasing the rate.

APY matters, but access, term, balance requirements and insurance structure determine whether an account actually fits the goal.

High-yield savings account

Flexible access

A variable-rate deposit account designed to keep cash accessible while offering a potentially higher APY than a typical savings account.

Good fit for: Emergency funds and near-term goals
Rate type: Usually variable
Access: Generally liquid
Insurance: FDIC or NCUA coverage

Watch for: Watch for promotional APYs, balance tiers, transfer delays, monthly fees and limits on how the account can be funded or accessed.

Model a savings goal Compare CD earnings

Savings planner

Turn a goal into a monthly plan.

Enter a target, starting balance, contribution and example APY. The result is an educational estimate, not a guarantee of future earnings.

Savings goal

Starting balance

Monthly contribution

APY

Time to reach the goal

2 yr 4 mo.

Total contributions: $19,000
Interest earned: $1,116
Balance at the goal: $20,116

Assumes a constant APY with monthly compounding.

Beyond the APY

Look beyond the headline APY.

A slightly lower rate can still be the better fit when the account has fewer fees, easier access or requirements you can consistently meet.

Fees and minimums

Check monthly fees, opening deposits, minimum balances and what is required to earn the advertised APY.

Rate conditions

Identify whether the rate is variable, fixed, promotional or limited to a particular balance tier.

Access and transfers

Review withdrawal options, transfer timing, ATM access and whether money can be reached when needed.

Institution and insurance

Know the bank or credit union actually holding the funds and verify the applicable coverage structure.

Know what is insured—and by whom.

The consumer-facing brand may not be the institution that actually holds the funds. Verify the insured bank or credit union and understand how ownership categories affect coverage.

FDIC-insured banks

Coverage is generally $250,000 per depositor, per insured bank, for each ownership category.

Official FDIC guide

Federally insured credit unions

NCUA share insurance generally protects qualifying member accounts up to applicable $250,000 limits.

Official NCUA guide

Not every product is a deposit

Stocks, bonds, mutual funds, crypto assets and Treasury securities are not FDIC-insured deposits.

See what FDIC covers

Savings tools

Run the numbers before choosing an account.

These tools remain useful whether or not a sponsored account comparison is available.

View all calculators

Savings growth calculator

Estimate how a starting balance, monthly contributions and APY may grow over time.

Calculate growth

Emergency-fund calculator

Translate essential monthly expenses into a practical reserve target.

Set a target

CD earnings calculator

Estimate maturity value and compare terms before locking funds away.

Estimate earnings

Savings goal calculator

Turn a target amount and timeline into a monthly contribution.

Plan a goal

UnitedStatesCredit guides

Understand the rate—and the account behind it.

Deposit rates do not change in lockstep with the federal funds rate; account conditions and savings rules matter as much as the APY.

How high-yield savings accounts workUnderstand variable APYs, transfers, fees and access.APY versus interest rateSee how compounding is reflected in annual percentage yield.What to know before opening a CDCompare terms, maturity rules and early-withdrawal penalties.How much emergency savings is enough?Build a reserve around essential expenses and realistic risks.

Common questions

Savings and rate questions.

Does the highest APY always mean the best account?

No. A higher APY can be offset by monthly fees, balance tiers, promotional conditions, limited access or requirements that are difficult to maintain. Compare the expected dollar earnings and the full account terms.

Are savings-account APYs fixed?

Savings and money-market deposit account APYs are usually variable and may change. A CD generally pays a fixed rate for a stated term, although the details and renewal rules vary by institution.

What is the difference between a money-market account and a money-market fund?

A money-market deposit account is a bank or credit-union deposit product that may qualify for FDIC or NCUA insurance. A money-market mutual fund is an investment product and is not an FDIC-insured deposit.

How can I verify whether an account is insured?

Identify the bank or credit union actually holding the funds, then verify that institution through the FDIC or NCUA. A fintech brand may provide the interface while a different institution holds the deposit.

Are the rates on this page account offers?

The public benchmark board is informational and is not an account offer. Any sponsored account cards would appear separately, with dates, sources, material conditions and clear labeling.