Where savings, CD, money market and checking rates stand this week, and how they move over time. Median = the middle bank; Top = the best rate we found.
The VaultRubric Savings Index is the weekly median and top APY by product across the online banks we track, built from daily snapshots of each bank's own page. Latest week: 2026-W42 (data through 2026-10-12).
| Product | Median APY | Top APY | Top bank | Banks |
|---|---|---|---|---|
| High-yield savings | 3.38% | 4.20% | EverBank | 18 |
| Money market | 3.10% | 3.26% | UFB Direct | 3 |
| Checking | 0.50% | 2.00% | UFB Direct | 9 |
| 3-month CD | 3.60% | 4.10% | Bask Bank | 3 |
| 6-month CD | 3.90% | 4.30% | Happen Bank | 9 |
| 1-year CD | 4.08% | 4.50% | Barclays | 10 |
| 18-month CD | 4.00% | 4.75% | Bread Savings | 9 |
| 2-year CD | 4.33% | 4.75% | Barclays | 8 |
| 3-year CD | 3.50% | 4.50% | Barclays | 7 |
| 5-year CD | 3.50% | 4.75% | Barclays | 8 |
Snapshots are taken daily from 2026-10-12; the line grows each week.
Federal funds effective rate (DFF), 1-year Treasury (DGS1) and the FDIC national savings rate (SNDR) from FRED, Federal Reserve Bank of St. Louis.
No rate changes recorded yet: daily snapshots began 2026-10-12. Changes appear here as banks move rates.
License: CC BY 4.0. Please cite “VaultRubric Savings Index (vaultrubric.com)”. Method: one snapshot per day; a rate is recorded only when it's read from the bank's page that day (savings APYs come from our verified savings dataset with its as-of date). Weekly index uses each bank's latest reading in the ISO week. Promotional boosts, no-penalty, bump and jumbo CDs are excluded.
The weekly median and top APY by product (savings, CDs by term, money market, checking) across the online banks VaultRubric tracks, from daily snapshots of each bank's page.
Each rate is read from the bank's own public page on the date shown and linked. Rates change often: confirm on the bank's site before opening. Not financial advice.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.