What is the current national average savings account rate?

The National Average Savings Account Rate is 0.38% as of June 2, 2026, sourced from FDIC National Rates and Rate Caps.

Where does the savings apy data come from?

Data is pulled from FDIC National Rates and Rate Caps (https://www.fdic.gov/resources/bankers/national-rates/). CalcFi caches the latest reading and historical series on an weekly cadence.

How often is the savings apy updated?

Update cadence: weekly. The freshness pill at the top of the page shows the exact "as of" timestamp for the latest cached value.

What unit is the savings apy reported in?

Values are reported in percent (annualized where applicable). The chart and historical table use the same unit.

Can I download Savings APY data?

Yes. The full historical series is available as JSON at https://calcfi.app/api/data/savings-national-rate and as CSV at https://calcfi.app/api/data/savings-national-rate/history.csv. Both are CC BY 4.0.

Is National Average Savings Account Rate data free to use?

Yes. CalcFi-distributed data is licensed CC BY 4.0 (attribution required). Upstream public-source data (FRED, BLS, Census) remains in its original license.

How accurate is the savings apy on this page?

Values mirror the upstream FDIC National Rates and Rate Caps feed at fetch time. Brief upstream revisions can cause small discrepancies between the live source and CalcFi's cache; the freshness pill flags stale data.

Which calculators use savings apy?

Related calculators on CalcFi: Savings Calculator, Emergency Fund. Each prefills the latest savings apy value.

Does this data replace financial advice?

No. National Average Savings Account Rate data is published for educational reference. It is not personalized investment, tax, or legal advice. For decisions with material consequences, consult a licensed professional.

National Average Savings Account Rate 2026 — 0.38% (Jun 2, 2026) | Free Data

National Average Savings Account RateLive· 0m ago

0.38%

As of June 2, 2026

Calculate savings calculator at 0.38%

Historical chart

About this data

The FDIC National Rate Cap for savings deposit accounts — the weighted average interest rate (APY) paid across US insured depository institutions. Published weekly. Serves as the benchmark for determining whether a specific bank offers a "competitive" savings rate.

Data sourced directly from FDIC National Rates and Rate Caps. Updated weekly. Published by CalcFi Editorial. See our methodology.

CalcFi publishes publicly available government economic data. We do not provide financial advice. Consult a licensed advisor before making financial decisions.

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