How often are the savings rate studies published?

Monthly. The current month is shown as month to date and updates as rates change; it is finalized after the month ends and then not recalculated.

What data do the studies use?

The ByTheMath change log of APY changes for US savings, money market, checking, CD and HSA cash products, read from each institution's own website. The latest study covers 2,282 products from 374 institutions; Canadian products are excluded.

Can I cite or reuse the numbers?

Yes, with credit to ByTheMath and a link to the study. Each study links to its figures as JSON.

Data studies

Savings rate studies

Each month we measure what happened to US savings, money market and CD rates across the thousands of products we verify at the source: median APYs at the start and end of the month, CD medians by term, and how many rates rose or fell.

By YourBest Editorial Team

Savings rates in October 2026 (month to date)
Median high-yield savings APY 3.25% → 3.30%; median 12-month CD 3.75% → 3.85%; 155 rate increases and 9 decreases recorded through 2026-10-09. 2,282 US products from 374 institutions.
Savings rates in September 2026
Median high-yield savings APY 3.25% → 3.25%; median 12-month CD 3.70% → 3.75%; 140 rate increases and 23 decreases recorded. 1,577 US products from 296 institutions.

Canada

Canada’s Big Six banks vs the best GIC and savings rates
Best Big Six 1-year GIC 3.30% vs 4.00% for the best rate open across Canada; Big Six savings rates after promotions top out at 0.55%. 1,709 rates from 151 Canadian institutions, updated as rates change.

How the studies work

Every study is generated from the same change log that powers the YourBestSavings rate history, using one fixed method: the same products are compared at the start and end of the month, and every recorded APY change is counted once. A month is published as “month to date” while it is running and finalized after it ends; finished months are not recalculated. Each study explains its sample, its limits and links to the numbers as JSON. The scoring and verification behind the data are described in the methodology.

Looking for the best rate rather than the market picture? See the current high-yield savings and CD rate rankings on YourBestSavings.

FAQ

How often are the savings rate studies published?: Monthly. The current month is shown as month to date and updates as rates change; it is finalized after the month ends and then not recalculated.
What data do the studies use?: The ByTheMath change log of APY changes for US savings, money market, checking, CD and HSA cash products, read from each institution's own website. The latest study covers 2,282 products from 374 institutions; Canadian products are excluded.
Can I cite or reuse the numbers?: Yes, with credit to ByTheMath and a link to the study. Each study links to its figures as JSON.