What was the median high-yield savings rate in November 2026?

Among 142 US high-yield savings accounts we tracked on both dates, the median APY was 3.50% on November 1, 2026 and 3.50% on November 15, 2026 (unchanged). 2 accounts raised their rate, 0 cut it and 140 kept it the same.

Did CD rates go up or down in November 2026?

4 of 7 CD terms we measure had a higher median APY as of Nov 15 than on November 1, 2026. The median 12-month CD went from 3.80% to 3.85%; the largest move was the 12-month term (+5 bps).

How many savings and CD rates changed in November 2026?

We recorded 633 APY increases and 179 decreases so far this month across 798 products at 226 institutions (savings, money market, CD, checking and HSA cash products, including accounts added after the median panel was set), including 562 CD increases and 154 CD decreases. The counts include only real changes to the institution’s published rate, not our own data corrections.

Where does this data come from?

From the ByTheMath database behind Your Best Savings: a daily scanner reads rates from each bank's or credit union's own website, and we confirm them in review. This study covers 2,194 US personal deposit products from 362 institutions. It leaves out Canadian products.

Can I use these numbers?

Yes. Cite "ByTheMath" and link to this page. The figures are also available as JSON at bythemath.com/studies/data/savings-rates-november-2026.json.

Month to date as of November 15, 2026

Savings rates in November 2026

What happened to US savings, money market and CD rates so far in November 2026, measured on 2,194 deposit products from 362 banks and credit unions whose rates we verify at the source.

By Your Best Editorial Team · Period: November 1, 2026 to November 15, 2026 (month to date) · Data as of November 15, 2026

Key findings

3.50% → 3.50%Median APY of the 142 high-yield savings accounts in our panel, November 1, 2026 to November 15, 2026

3.80% → 3.85%Median 12-month CD APY (249 CDs)

633↑ / 179↓APY increases / decreases logged month to date across 798 products at 226 institutions, including accounts added after the panel was set

The median high-yield savings APY was unchanged: 2 of 142 accounts raised their rate, 0 cut it and 140 held steady.
Money market accounts: median 3.25% to 3.25% (unchanged); high-yield checking: 4.00% to 4.00% (unchanged).
4 of 7 CD terms ended the period with a higher median APY; the 12-month term moved most (+5 bps, 3.80% to 3.85%).
CDs saw 562 recorded increases and 154 decreases across 702 products at 165 institutions.
Of the 2,194 products in the panel, 171 ended the period with a higher APY, 34 with a lower one and 1,989 unchanged.

Median CD APY by term

Median APY by account type

Account type	Nov 1	Nov 15	Change	Rose / fell / same	Sample
High-yield savings	3.50%	3.50%	no change	2 / 0 / 140	142
Money market	3.25%	3.25%	no change	5 / 1 / 123	129
High-yield checking	4.00%	4.00%	no change	0 / 1 / 109	110
3-month CD	3.50%	3.50%	no change	3 / 0 / 92	95
6-month CD	3.80%	3.81%	+1 bps	13 / 1 / 170	184
12-month CD	3.80%	3.85%	+5 bps	28 / 5 / 216	249
18-month CD	3.95%	3.93%	−3 bps	12 / 4 / 136	152
2-year CD	3.70%	3.70%	no change	19 / 4 / 173	196
3-year CD	3.60%	3.65%	+5 bps	20 / 6 / 153	179
5-year CD	3.65%	3.70%	+5 bps	17 / 1 / 148	166

Same products on both dates. Each month’s study measures its own set of products (those in our database before the month began), so its starting medians can differ from the previous study’s ending medians for the same day. A median needs at least 5 products; 1 basis point (bp) = 0.01 percentage point. Each account type links to today’s full ranking on Your Best Savings.

Recorded rate changes by product type

Product type	Increases	Decreases	Products	Institutions
High-yield savings	14	11	25	23
Money market	22	4	26	25
CDs	562	154	702	165
High-yield checking	30	10	40	31
HSA cash accounts	5	0	5	5

Every real change in an institution’s published APY recorded November 1, 2026 to November 15, 2026 (month to date), including changes to products that have since been discontinued. We don’t count corrections to our own earlier data. The full change log, which includes those corrections, is on the Your Best Savings rate history page.

Biggest movers

Largest net APY changes from November 1, 2026 to November 15, 2026 among the products above. A rate that changed and changed back nets to zero, so we leave it out. We consider only products with a real rate change at the institution in the period. Net changes larger than 1 percentage point (2 products) are left out because, on review, most combined a bank change with corrections of our own earlier data.

Largest increases

Institution	Product	Before	After	Change
Goldwater Bank, N.A.	Goldwater Liquid CD - 12 Month 12-month CD · last change Nov 6	3.25%	4.25%	+100 bps
Grasshopper Bank	AAA Banking Triple Advantage 24-Month CD 2-year CD · last change Nov 2	3.70%	4.60%	+90 bps
Forbright Bank	Growth CD 12 Month 12-month CD · last change Nov 10	3.65%	4.50%	+85 bps
Magnifi Financial	Magnifi Financial 48 Month Certificate 4-year CD · last change Nov 14	3.35%	4.15%	+80 bps
Garden Savings Federal Credit Union	48-Month CD 4-year CD · last change Nov 4	3.00%	3.75%	+75 bps

Largest decreases

Institution	Product	Before	After	Change
Pelican State Credit Union	24 Month Share Certificate 2-year CD · last change Nov 10	4.05%	3.28%	−77 bps
Fremont Federal Credit Union	84-Month CD 7-year CD · last change Nov 10	5.10%	4.52%	−58 bps
Navy Federal Credit Union	Navy Federal 18-Month Jumbo Certificate 18-month CD · last change Nov 9	4.15%	3.60%	−55 bps
Navy Federal Credit Union	Navy Federal 18-Month Certificate 18-month CD · last change Nov 9	4.10%	3.55%	−55 bps
Fremont Federal Credit Union	60-Month CD 5-year CD · last change Nov 10	4.90%	4.49%	−41 bps

Find today’s best rates

This study describes the whole market we track, not the best deals. For the top accounts right now, ranked by ByTheMath score, see the best high-yield savings accounts, the best CD rates (or by term: 12-month, 5-year) and money market accounts on Your Best Savings, or the network-wide best rates this week. Interest from all of these accounts is taxable; Your Best Taxes explains how savings and CD interest is taxed.

Methodology

Data source: The ByTheMath deposit database that powers Your Best Savings. A daily scanner reads rates from each institution’s own website, and we confirm them in review; we write every change to a change log with its date. We include only US products and leave out Canadian ones.
Products measured: Personal (not business) high-yield savings, money market, high-yield checking and CD products that are live and ranked on November 15, 2026 and were in our database before October 1, 2026: 2,194 products from 362 institutions. The series keeps the set of products it tracked from the start, so each month’s medians are comparable with the last. Products added after October 1, 2026 (including several hundred ordinary savings, money market and checking accounts added in research backfills in October 2026) are counted in the rate-change totals but not in the medians. CD terms are exact (12-month means a 12-month term); IRA and brokered CDs are excluded. The high-yield savings median counts only panel accounts that paid at least 1.00% APY when the panel was set; 16 standard, share and IRA savings accounts in the panel are left out of it.
How we compute the medians: For each product we take the headline APY in effect at the start and at the latest date of the period, reconstructed from the change log (the “before” rate of the first change after that moment, or today’s rate if nothing changed since), then take the median across the same set of products on both dates. We don’t apply effective-rate adjustments for conditions or balance caps.
How we count changes: Each recorded APY change in the period counts once (we merge duplicate log entries). We count only genuine bank rate changes: changes our scanner detected on the institution’s own page, including those a reviewer approved. We leave out our own data corrections, manual or agent edits and backfills, so the counts measure what institutions changed, not what we fixed. We count HSA cash accounts but show no median for them here.
Limits: Products discontinued before November 15, 2026 are not in the median sample. This page updates as the month goes on; we publish the final figures after the month ends. Rates change often: confirm any rate with the institution before you open an account.

FAQ

What was the median high-yield savings rate in November 2026?: Among 142 US high-yield savings accounts we tracked on both dates, the median APY was 3.50% on November 1, 2026 and 3.50% on November 15, 2026 (unchanged). 2 accounts raised their rate, 0 cut it and 140 kept it the same.
Did CD rates go up or down in November 2026?: 4 of 7 CD terms we measure had a higher median APY as of Nov 15 than on November 1, 2026. The median 12-month CD went from 3.80% to 3.85%; the largest move was the 12-month term (+5 bps).
How many savings and CD rates changed in November 2026?: We recorded 633 APY increases and 179 decreases so far this month across 798 products at 226 institutions (savings, money market, CD, checking and HSA cash products, including accounts added after the median panel was set), including 562 CD increases and 154 CD decreases. The counts include only real changes to the institution’s published rate, not our own data corrections.
Where does this data come from?: From the ByTheMath database behind Your Best Savings: a daily scanner reads rates from each bank's or credit union's own website, and we confirm them in review. This study covers 2,194 US personal deposit products from 362 institutions. It leaves out Canadian products.
Can I use these numbers?: Yes. Cite "ByTheMath" and link to this page. The figures are also available as JSON at bythemath.com/studies/data/savings-rates-november-2026.json.

More studies

Previous: Savings rates in October 2026. Also: Canada’s Big Six banks vs the best GIC and savings rates. The studies page lists every monthly study. Data: JSON. Licensing the full dataset: ByTheMath API.