Methodology

Last reviewed: Oct 22, 2026

Our rules

• Every rate shows its source and the date it applies to, or the date we checked it.
• We use official government data, or rates we have checked ourselves on the institution's own public rate page.
• We never estimate, average or fill in a missing rate. If we have no reliable number, that row or table is not shown.
• Data that is out of date is hidden automatically until it is refreshed.
• Rate tables are sorted by yield. Whether a company pays us has no effect on its position or on whether it is listed.

Treasury bills

T-bill yields come from the U.S. Department of the Treasury's Daily Treasury Bill Rates, which Treasury publishes each business day for 4, 6, 8, 13, 17, 26 and 52 week bills. We collect them once a day and keep every daily value, which is how we draw the history charts. We show the coupon equivalent yield (the figure to compare with a savings APY) next to the bank discount rate. A term is hidden if Treasury has not published a value for it in the last five business days.

Savings accounts, CDs and money market accounts

For named banks and credit unions, a member of our team reads the institution's public rate page and records the APY, the term, the minimum deposit, the page address and the time of the check. We do not use automated scraping, and we respect each site's terms and robots rules. Each rate on the site shows the date it was last checked. Rates older than eight days are hidden until they are checked again.

National averages come from the FDIC's monthly National Rates and Rate Caps and are labelled with the month they cover.

Money market funds

Money market fund yields are the 7-day SEC yields published by the fund companies, checked by hand in the same way and shown with the check date. Fund yields are investment returns, not bank interest. Money market funds are not bank deposits and are not FDIC insured, and they can lose value.

Deposit insurance

We describe an institution as FDIC insured only after finding it on the FDIC's BankFind tool, and as NCUA insured only after finding it in the NCUA's credit union records. We store the date of that check. Apps and fintech companies that are not banks are described as such, with the name of the partner bank that holds the deposits. Coverage limits apply per depositor, per insured institution, per ownership category.

After-tax figures

Our calculators apply the federal and state income tax rates you enter. Interest on Treasury bills is exempt from state and local income tax; bank interest generally is not. Results are estimates, not tax advice.

Corrections

If you spot a rate that looks wrong, please tell us through our contact form with the topic "Correction". We check and fix errors as soon as we can.