Best savings account rate in the US today: 5.00% APY
20 of 111 US banks and credit unions · as at 1 Nov 2026
Highest savings account rate
APY · recorded 2026-11-01
Spread of recorded savings account rates
Best rate by product
{"mcpServers":{"ratesonar-us":{"url":"https://usrates.ratesonar.com/mcp"}}}API docsAt a glance
- Institutions assessed
- 111
- With rates recorded
- 20
- Offers live
- 664
- Last recorded
- 1 Nov 2026 (last page captured 2026-11-01 12:01 UTC)
- Currency
- USD
- Deposit basis
- APY
- Captured
- twice a day, America/New York time, from each bank's own public page
Official rates
| Rate | Latest | As of | Source |
|---|---|---|---|
| National average 12-month CD rate (FDIC) | 1.76% | 19 Oct 2026 | www.fdic.gov |
| National average 24-month CD rate (FDIC) | 1.55% | 19 Oct 2026 | www.fdic.gov |
| National average 36-month CD rate (FDIC) | 1.39% | 19 Oct 2026 | www.fdic.gov |
| National average 3-month CD rate (FDIC) | 1.14% | 19 Oct 2026 | www.fdic.gov |
| National average 60-month CD rate (FDIC) | 1.41% | 19 Oct 2026 | www.fdic.gov |
| National average 6-month CD rate (FDIC) | 1.39% | 19 Oct 2026 | www.fdic.gov |
| National average interest checking rate (FDIC) | 0.07% | 19 Oct 2026 | www.fdic.gov |
| National average money market rate (FDIC) | 0.63% | 19 Oct 2026 | www.fdic.gov |
| National average savings rate (FDIC) | 0.38% | 19 Oct 2026 | www.fdic.gov |
| Fed funds target range, lower bound | 3.75% | 29 Oct 2026 | markets.newyorkfed.org |
| Fed funds target range, upper bound | 4% | 29 Oct 2026 | markets.newyorkfed.org |
| Bank prime loan rate | 7.00% | 27 Oct 2026 | fred.stlouisfed.org |
| 15-year fixed mortgage, national average (Freddie Mac PMMS) | 6.60% | 29 Oct 2026 | fred.stlouisfed.org |
| 30-year fixed mortgage, national average (Freddie Mac PMMS) | 7.24% | 29 Oct 2026 | fred.stlouisfed.org |
| Effective federal funds rate | 3.88% | 29 Oct 2026 | markets.newyorkfed.org |
| Overnight bank funding rate | 3.88% | 29 Oct 2026 | markets.newyorkfed.org |
| Secured overnight financing rate (SOFR) | 3.94% | 29 Oct 2026 | markets.newyorkfed.org |
| US Treasury 10-year yield | 4.94% | 30 Oct 2026 | home.treasury.gov |
| US Treasury 1-year yield | 4.36% | 30 Oct 2026 | home.treasury.gov |
| US Treasury 2-year yield | 4.56% | 30 Oct 2026 | home.treasury.gov |
| US Treasury 30-year yield | 5.31% | 30 Oct 2026 | home.treasury.gov |
| US Treasury 3-month yield | 4.16% | 30 Oct 2026 | home.treasury.gov |
| US Treasury 5-year yield | 4.71% | 30 Oct 2026 | home.treasury.gov |
Official and market rates are context, not an offer from a named bank.
Recent rate changes
| Date | Institution | Product | From | To | Change |
|---|---|---|---|---|---|
| 2026-11-01 | Randolph-Brooks Federal Credit Union | Home Equity Line of Credit (HELOC) 120 months HELOC · APR | — | 6.500% | added |
| 2026-11-01 | Randolph-Brooks Federal Credit Union | Home Equity (2nd Lien) 240 months HELOC · APR | — | 8.186% | added |
| 2026-11-01 | Randolph-Brooks Federal Credit Union | Home Equity (2nd Lien) 180 months HELOC · APR | — | 7.443% | added |
| 2026-11-01 | Randolph-Brooks Federal Credit Union | Home Equity (2nd Lien) 120 months HELOC · APR | — | 7.242% | added |
| 2026-11-01 | Randolph-Brooks Federal Credit Union | Home Equity (2nd Lien) 84 months HELOC · APR | — | 7.158% | added |
| 2026-11-01 | Randolph-Brooks Federal Credit Union | Home Equity (2nd Lien) 48 months HELOC · APR | — | 6.880% | added |
| 2026-11-01 | Randolph-Brooks Federal Credit Union | Home Equity (1st Lien) 360 months HELOC · APR | — | 7.795% | added |
| 2026-11-01 | Randolph-Brooks Federal Credit Union | Home Equity (1st Lien) 240 months HELOC · APR | — | 7.430% | added |
| 2026-11-01 | Randolph-Brooks Federal Credit Union | Home Equity (1st Lien) 180 months HELOC · APR | — | 6.686% | added |
| 2026-11-01 | Randolph-Brooks Federal Credit Union | Home Equity (1st Lien) 120 months HELOC · APR | — | 6.483% | added |
| 2026-11-01 | Randolph-Brooks Federal Credit Union | Home Equity (1st Lien) 84 months HELOC · APR | — | 6.397% | added |
| 2026-11-01 | Randolph-Brooks Federal Credit Union | Home Equity (1st Lien) 48 months HELOC · APR | — | 6.112% | added |
Questions
What is the highest savings rate in the US today?
Axos Bank Axos ONE Savings at 5.00% APY, recorded by RateSonar on 1 Nov 2026 from the bank's own page. Conditions and eligibility apply; check with the bank.
How does RateSonar record these rates?
Twice a day, in United States business hours, RateSonar requests each bank's public rate page, honouring robots.txt and identifying itself. It keeps the exact bytes, reads every rate with a parser written for that page, and records the source URL, time and digest beside each figure.
Which banks are covered?
RateSonar has assessed 111 United States institutions. The coverage page lists every one, including banks that block automated access or publish no rates without a login, so a gap is visible rather than hidden.
What is APY?
Annual percentage yield: the yearly return including compounding. US banks must quote deposit rates as APY, so APYs compare like for like. An APR on a loan is a different measure and is never ranked against an APY.
What is the current Effective federal funds rate?
3.88% as of 29 Oct 2026, from the official source. It is context for bank rates, not an offer from a bank.
Can I get this data in my AI assistant?
Yes. Add https://usrates.ratesonar.com/mcp as an MCP server (no sign-up), or read https://usrates.ratesonar.com/api/v1/rates.json. Every figure comes with its recorded date and source.