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
0.40%0.40%0.00%0.45%-0.05%

Data as of 10/20/2025

📈 FDIC National Savings Rate Average Over Time

DateSavings Rate
Oct 20, 20250.40%
Sep 15, 20250.40%
Aug 25, 20250.39%
Jul 21, 20250.38%
Jun 16, 20250.38%
May 19, 20250.42%
Apr 21, 20250.41%
Mar 17, 20250.41%
Feb 18, 20250.41%
Jan 21, 20250.41%
Dec 16, 20240.42%
Nov 18, 20240.43%
Oct 21, 20240.45%
Sep 16, 20240.46%
Aug 19, 20240.46%
Jul 15, 20240.45%
Jun 17, 20240.45%
May 20, 20240.45%
Apr 15, 20240.46%
Mar 18, 20240.47%
Feb 20, 20240.46%
Jan 16, 20240.47%
Dec 18, 20230.46%
Nov 20, 20230.46%
Oct 16, 20230.46%
Sep 18, 20230.45%
Aug 21, 20230.43%
Jul 17, 20230.42%
Jun 20, 20230.42%
May 15, 20230.40%
Apr 17, 20230.39%
Mar 20, 20230.37%
Feb 21, 20230.35%
Jan 16, 20230.33%
Dec 19, 20220.30%
Nov 21, 20220.24%
Oct 17, 20220.21%
Sep 19, 20220.17%
Aug 15, 20220.13%
Jul 18, 20220.10%
Jun 21, 20220.08%
May 16, 20220.07%
Apr 18, 20220.06%
Mar 21, 20220.06%
Feb 22, 20220.06%
Jan 18, 20220.06%
Dec 20, 20210.06%
Nov 15, 20210.06%
Oct 18, 20210.06%
Sep 20, 20210.06%
Aug 16, 20210.06%
Jul 19, 20210.06%
Jun 21, 20210.06%
May 17, 20210.06%
Apr 19, 20210.06%
Apr 1, 20210.07%