Savings Rate Trends

Current Savings Rate Trends

The High-Yield Savings fell by 0.029 this week, bringing the current average APY down to 1.958%. Savers are seeing slightly reduced yields compared to last week, when the average was 1.987%.

The Standard Savings also moved higher this week, rising to 0.824% from 0.803% last week. The spread between the High-Yield Savings and Standard Savings currently stands at 1.135 percentage points.

These averages are calculated from 19,262 verified savings rate quotes collected across 3,737 banks and credit unions reporting from all 50 states, updated daily by MonitorBankRates.com's proprietary systems. Rates are what real licensed institutions are actually offering to depositors, not promotional teaser rates.

Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated savings account rate database spanning community banks, regional lenders, large institutions, and credit unions in every state. This scale allows us to calculate averages that reflect the full deposit landscape, not just the most aggressive advertisers, giving savers, journalists, and financial professionals a more accurate benchmark for where APYs actually stand across the country.

State-Level Savings Rate Heatmap

Hover over a state to see its current High-Yield Savings average and weekly change. Click on any state to view its complete historical trend report.

States colored by quartile of current High-Yield Savings APY averages. Hover any state for its rate, rank and weekly change; click to open that state’s trend page. Rates shown to two decimals on the map, three in the tooltip.

Download map (PNG) Free to reuse with the citation shown on the image.

Weekly Savings Rate Reports

Weekly average savings rate data releases from MonitorBankRates.com.

For Media, Researchers & Real Estate Professionals

The savings rate averages on this page are calculated from our database of over 8,500 banks and credit unions actively reporting APYs across all 50 states. Our proprietary systems collect and verify deposit rates daily, tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates. Every day we aggregate those individual data points into overall averages that represent a true, real-market picture of what savers across the U.S. are being offered today.

Unlike rate comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated savings account rate database spanning community banks, regional lenders, large institutions, and credit unions across all 50 states. This scale allows us to calculate averages that reflect the full deposit landscape, not just the most aggressive advertisers, giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like across the country.

Journalists, financial professionals, and academic researchers are welcome to cite and reference this data for editorial, research, and educational purposes. Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report, and optionally link to https://monitorbankrates.com/savings-account-rates/trends/. For custom data pulls, contact us here.

Savings Rate Trends

Daily average APYs across all savings products. Hover over the chart to see exact APYs for each day.

Daily savings rate averages compiled from 19,262 current savings rates across our database of 3,737+ banks and credit unions, updated daily.

As of Oct 13, 2026 • Data provided by MonitorBankRates.com

Complete State Trends Data

Embed This Rate Widget on Your Website

Real estate agents, brokers, and local news sites can embed a live mortgage rate widget directly on their website for free. The widget automatically updates with the latest weekly averages and includes a MonitorBankRates citation. Just copy and paste the code below.