Straight answer
How can I keep track of savings rates?
Start with the account's own terms. Find its current APY on your bank's account page or statement, then check any minimum balance, qualifying activity, monthly fee, and withdrawal terms. The FDIC's national-rate table gives a useful broad benchmark, but it is not a quote for your account or a list of the best offers.
What the FDIC table tells you
The FDIC publishes national deposit rates and rate caps monthly. It defines national rates as weighted averages of rates paid by insured banks and credit unions for products with available data. The table is a broad reference point; individual products and their terms can differ.
Source: FDIC National Rates and Rate Caps. The FDIC says its savings and interest-checking figures are based on the $2,500 product tier.
A quick comparison:
- Look up the APY for your exact account in your bank's app, statement, or rate page.
- Check what balance or other conditions qualify for that APY.
- Compare the complete terms with other accounts, using the FDIC table as context rather than a promised offer.
Keep an eye on a published rate
Tell us which bank or savings product you mean and, if you have it, share the public rate-page URL. We'll check the source first. If it can be followed, your briefing can keep dated changes and links together. You don't need to share a bank login, account number, or personal balance.
Ask us to watch a rateWe check the public source and explain what it covers before you rely on a watch.
Read the FDIC rate table for its current publication and methodology. · Dusklamp home