{"v":1,"method":3,"month":"2026-11","slug":"savings-rates-november-2026","label":"November 2026","complete":false,"period":{"start":"2026-11-01","end":"2026-11-15"},"as_of":"2026-11-15","generated":"2026-11-15T07:06:28.986Z","sample":{"products":2194,"institutions":362,"added_before":"2026-10-01","hy_min_apy":1,"hy_excluded":16},"medians":{"hysa":{"n":142,"start":3.5,"end":3.5,"change_bps":0,"up":2,"down":0,"same":140},"money_market":{"n":129,"start":3.25,"end":3.25,"change_bps":0,"up":5,"down":1,"same":123},"checking":{"n":110,"start":4,"end":4,"change_bps":0,"up":0,"down":1,"same":109},"cd":{"3":{"n":95,"start":3.5,"end":3.5,"change_bps":0,"up":3,"down":0,"same":92},"6":{"n":184,"start":3.8,"end":3.81,"change_bps":1,"up":13,"down":1,"same":170},"12":{"n":249,"start":3.8,"end":3.85,"change_bps":5,"up":28,"down":5,"same":216},"18":{"n":152,"start":3.95,"end":3.93,"change_bps":-3,"up":12,"down":4,"same":136},"24":{"n":196,"start":3.7,"end":3.7,"change_bps":0,"up":19,"down":4,"same":173},"36":{"n":179,"start":3.6,"end":3.65,"change_bps":5,"up":20,"down":6,"same":153},"60":{"n":166,"start":3.65,"end":3.7,"change_bps":5,"up":17,"down":1,"same":148}}},"changes":[{"type":"hysa","label":"High-yield savings","up":14,"down":11,"products":25,"institutions":23},{"type":"money_market","label":"Money market","up":22,"down":4,"products":26,"institutions":25},{"type":"cd","label":"CDs","up":562,"down":154,"products":702,"institutions":165},{"type":"checking","label":"High-yield checking","up":30,"down":10,"products":40,"institutions":31},{"type":"hsa","label":"HSA cash accounts","up":5,"down":0,"products":5,"institutions":5}],"totals":{"up":633,"down":179,"products":798,"institutions":226},"panel_net":{"up":171,"down":34,"same":1989},"movers":{"up":[{"date":"2026-11-06","institution":"Goldwater Bank, N.A.","product":"Goldwater Liquid CD - 12 Month","type":"cd","term_months":12,"old":3.25,"new":4.25,"change_bps":100},{"date":"2026-11-02","institution":"Grasshopper Bank","product":"AAA Banking Triple Advantage 24-Month CD","type":"cd","term_months":24,"old":3.7,"new":4.6,"change_bps":90},{"date":"2026-11-10","institution":"Forbright Bank","product":"Growth CD 12 Month","type":"cd","term_months":12,"old":3.65,"new":4.5,"change_bps":85},{"date":"2026-11-14","institution":"Magnifi Financial","product":"Magnifi Financial 48 Month Certificate","type":"cd","term_months":48,"old":3.35,"new":4.15,"change_bps":80},{"date":"2026-11-04","institution":"Garden Savings Federal Credit Union","product":"48-Month CD","type":"cd","term_months":48,"old":3,"new":3.75,"change_bps":75}],"down":[{"date":"2026-11-10","institution":"Pelican State Credit Union","product":"24 Month Share Certificate","type":"cd","term_months":24,"old":4.05,"new":3.28,"change_bps":-77},{"date":"2026-11-10","institution":"Fremont Federal Credit Union","product":"84-Month CD","type":"cd","term_months":84,"old":5.1,"new":4.52,"change_bps":-58},{"date":"2026-11-09","institution":"Navy Federal Credit Union","product":"Navy Federal 18-Month Jumbo Certificate","type":"cd","term_months":18,"old":4.15,"new":3.6,"change_bps":-55},{"date":"2026-11-09","institution":"Navy Federal Credit Union","product":"Navy Federal 18-Month Certificate","type":"cd","term_months":18,"old":4.1,"new":3.55,"change_bps":-55},{"date":"2026-11-10","institution":"Fremont Federal Credit Union","product":"60-Month CD","type":"cd","term_months":60,"old":4.9,"new":4.49,"change_bps":-41}],"cap_pp":1,"excluded_large":2,"products_changed":177}}