Rate History — National Trends & Changes
FDIC national average vs. top tracked rates 2022–2026. Every verified rate change since launch, filterable by institution and product type.
Every rate change on YourBestSavings.com is logged the moment it’s verified against the institution’s own website. The chart below shows the FDIC national average vs. the best rates we track. The table shows every individual product change since launch.
What the chart shows
The FDIC national average is the simple average across all insured institutions — including traditional banks paying 0.01%. The top tracked rates represent the best verified rates on this site. In mid-2024 the gap exceeded 5 percentage points, meaning savers at big banks were leaving $2,000+ per year on a $50,000 balance.
The chart spans from March 2022, when the Fed began its hiking cycle, through early 2026. Top HYSA and CD rates tracked closely with the funds rate throughout the hike cycle. Beginning in late 2024, the Fed began cutting, and top savings rates declined accordingly — though they remain well above pre-2022 levels.
How rate changes are tracked
Every entry in the table above was verified by a human against the institution’s own rate disclosure page. The scanner flags potential changes; a staff review confirms before logging. No entry appears that wasn’t confirmed at source. The institution and date of each verification are logged with every entry.
Rate changes may appear in our database one to two days after they take effect. Institutions sometimes post rate changes late in the business day or on weekends; we prioritize confirming accuracy over speed. If you see a discrepancy between a rate listed here and what an institution shows on its own website, the institution’s disclosed rate is always authoritative.
How to read the table
Each row is one verified rate change for a specific product. The Before column shows the previously confirmed APY — some early entries show no Before value because the product was added without a prior baseline. Use the filters to narrow by product type, institution, or direction. Click “Show more” to load additional entries. Most recent changes appear first.
The FDIC National Rates and Rate Caps publication — public data updated monthly at fdic.gov. The FDIC calculates it as a simple average of rates paid by all insured depository institutions nationally.
Our daily scanner detects potential changes and flags them as candidates. A human reviewer opens the institution’s own rate disclosure page, confirms the new rate and its effective date, then approves the change. Only confirmed changes appear in this table.
Initial backfill entries when a product was first added to the database do not have a prior verified rate to compare against. Only entries where the APY moved from a previously confirmed value show both columns.
Yes. Every product page has a rate alert widget where you can enter your email to be notified when that rate changes. Alerts are free, human-verified before sending, and one-click unsubscribable. Visit Rate Alerts to sign up.
The scanner checks each tracked product daily. Human verification happens when the scanner detects a change. Products that have not changed are re-verified on a rotating schedule to confirm the listed rate matches the institution’s current disclosure. The as-of date on each product card reflects the last confirmed verification date.