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National average savings and money market rates from the FDIC. Best national average: 4.35%.
High-Yield Savings Account
4.20%
Money Market Account
4.35%
Interest Checking
4.10%
High-yield savings accounts at online banks (Marcus, Ally, SoFi) can offer rates 10–20× the national average. FDIC-insured up to $250,000. No lock-up period like a CD.
Money market accounts typically offer slightly higher rates than savings accounts in exchange for a higher minimum balance requirement. Both are FDIC-insured.
USA Savings Account Rates (FDIC) shows FDIC national average APYs for savings accounts, money market accounts, and interest checking, with monthly and annual interest projections for your balance.
USA Savings Account Rates (FDIC) is a high-performance utility designed to help users streamline their workflow. Built with modern web technologies, it ensures fast processing times and high-quality outputs directly in your browser.
National average rates are published weekly by the FDIC. Monthly interest = balance × (APY/100) / 12. Annual interest uses annual compounding. These are averages across all FDIC-insured institutions; online banks typically offer much higher rates.
An HYSA is an FDIC-insured savings account offering significantly higher APYs than traditional banks, typically found at online banks and fintech platforms.
Savings rates are variable and can change at any time, though they tend to follow the Federal Reserve's federal funds rate direction.
Both are FDIC-insured deposit accounts. Money market accounts often come with check-writing privileges and higher minimums, but rates are comparable.
The national average is dragged down by big traditional banks that pay near-zero rates. Online banks and credit unions offer much higher rates.
Track national average CD rates by term — 3-month to 4-year — updated weekly from the FDIC.
Live US Treasury yields from 1-month to 30-year from FRED — with yield curve visualization and inversion alert.
Fed funds effective rate, 2Y and 10Y Treasury yields, and the 10Y−2Y spread from FRED.