All values come directly from FDIC National Rates and Rate Caps. We do not modify, smooth, or interpolate published values.
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.
Weekly — we refresh daily; upstream source publishes once per week (check Next Update below).
We gate dateModified updates to actual value changes (threshold: 0.01% absolute or 0.5% relative) to prevent freshness spoofing. If the upstream value hasn't moved, we don't claim we updated the page.
Full historical series is available as CSV with primary-source attribution:
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CalcFi. (2026). National Average Savings Account Rate. Retrieved from https://calcfi.app/data/deposit-rates/savings-national-rate/revisions. Source: FDIC National Rates and Rate Caps.
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