FDIC National Average Savings Rate

The national average savings rates reported by the FDIC* make for a useful comparison to other savings rates. This will help make clear why a high-yield savings account is a smart choice.

*The Federal Deposit Insurance Corporation

📊 Latest FDIC National Average Savings Rates

Deposit ProductCurrent RatePrevious MonthMoM ChangeLast YearYoY Change
Savings Account 0.39%0.39%0.00%0.41%-0.02%

Data as of 1/1/2026

📈 FDIC National Savings Rate Average Over Time

DateSavings Rate
Dec 31, 20250.39%
Nov 30, 20250.39%
Oct 31, 20250.40%
Sep 30, 20250.40%
Aug 31, 20250.40%
Jul 31, 20250.39%
Jun 30, 20250.38%
May 31, 20250.38%
Apr 30, 20250.42%
Mar 31, 20250.41%
Feb 28, 20250.41%
Jan 31, 20250.41%
Dec 31, 20240.41%
Nov 30, 20240.42%
Oct 31, 20240.43%
Sep 30, 20240.45%
Aug 31, 20240.46%
Jul 31, 20240.46%
Jun 30, 20240.45%
May 31, 20240.45%
Apr 30, 20240.45%
Mar 31, 20240.46%
Feb 29, 20240.47%
Jan 31, 20240.46%
Dec 31, 20230.47%
Nov 30, 20230.46%
Oct 31, 20230.46%
Sep 30, 20230.46%
Aug 31, 20230.45%
Jul 31, 20230.43%
Jun 30, 20230.42%
May 31, 20230.42%
Apr 30, 20230.40%
Mar 31, 20230.39%
Feb 28, 20230.37%
Jan 31, 20230.35%
Dec 31, 20220.33%
Nov 30, 20220.30%
Oct 31, 20220.24%
Sep 30, 20220.21%
Aug 31, 20220.17%
Jul 31, 20220.13%
Jun 30, 20220.10%
May 31, 20220.08%
Apr 30, 20220.07%
Mar 31, 20220.06%
Feb 28, 20220.06%
Jan 31, 20220.06%
Dec 31, 20210.06%
Nov 30, 20210.06%
Oct 31, 20210.06%
Sep 30, 20210.06%
Aug 31, 20210.06%
Jul 31, 20210.06%
Jun 30, 20210.06%
May 31, 20210.06%
Apr 30, 20210.06%
Mar 31, 20210.06%