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 Product | Current Rate | Previous Month | MoM Change | Last Year | YoY Change |
---|---|---|---|---|---|
Savings Account | 0.38% | 0.38% | 0.00% | 0.45% | -0.07% |
Data as of 7/21/2025
📈 FDIC National Savings Rate Average Over Time
Date | Savings Rate |
---|---|
Jul 21, 2025 | 0.38% |
Jun 16, 2025 | 0.38% |
May 19, 2025 | 0.42% |
Apr 21, 2025 | 0.41% |
Mar 17, 2025 | 0.41% |
Feb 18, 2025 | 0.41% |
Jan 21, 2025 | 0.41% |
Dec 16, 2024 | 0.42% |
Nov 18, 2024 | 0.43% |
Oct 21, 2024 | 0.45% |
Sep 16, 2024 | 0.46% |
Aug 19, 2024 | 0.46% |
Jul 15, 2024 | 0.45% |
Jun 17, 2024 | 0.45% |
May 20, 2024 | 0.45% |
Apr 15, 2024 | 0.46% |
Mar 18, 2024 | 0.47% |
Feb 20, 2024 | 0.46% |
Jan 16, 2024 | 0.47% |
Dec 18, 2023 | 0.46% |
Nov 20, 2023 | 0.46% |
Oct 16, 2023 | 0.46% |
Sep 18, 2023 | 0.45% |
Aug 21, 2023 | 0.43% |
Jul 17, 2023 | 0.42% |
Jun 20, 2023 | 0.42% |
May 15, 2023 | 0.40% |
Apr 17, 2023 | 0.39% |
Mar 20, 2023 | 0.37% |
Feb 21, 2023 | 0.35% |
Jan 16, 2023 | 0.33% |
Dec 19, 2022 | 0.30% |
Nov 21, 2022 | 0.24% |
Oct 17, 2022 | 0.21% |
Sep 19, 2022 | 0.17% |
Aug 15, 2022 | 0.13% |
Jul 18, 2022 | 0.10% |
Jun 21, 2022 | 0.08% |
May 16, 2022 | 0.07% |
Apr 18, 2022 | 0.06% |
Mar 21, 2022 | 0.06% |
Feb 22, 2022 | 0.06% |
Jan 18, 2022 | 0.06% |
Dec 20, 2021 | 0.06% |
Nov 15, 2021 | 0.06% |
Oct 18, 2021 | 0.06% |
Sep 20, 2021 | 0.06% |
Aug 16, 2021 | 0.06% |
Jul 19, 2021 | 0.06% |
Jun 21, 2021 | 0.06% |
May 17, 2021 | 0.06% |
Apr 19, 2021 | 0.06% |
Apr 1, 2021 | 0.07% |