National savings rate
The FDIC national rate on savings deposits, published on FRED.
What moves it
Banks reprice deposits slowly. The average includes many low-yield accounts.
How it affects you
It shows what a typical bank pays, not the highest APY you can find.
Open the High-yield savings calculator
Source: FDIC National Rates via FRED. Figures on the rates page are loaded live. This guide does not predict the next move.