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ratee tracks high-yield savings and CD rates across the US — verified weekly, sourced, and dated. The average savings account pays 0.38%. Yours shouldn't.
Verified October 12, 2026 · Sourced from WSJ, Bankrate & Motley Fool
Top tracked high-yield savings APY vs. the FDIC national average, October 12, 2026.
The five highest nationally-available APYs we're tracking right now.
| Account | APY | Key condition |
|---|---|---|
| Axos ONE | up to 5.00% | New customers, first 6 months; $1,500 minimum in Axos checking and $1,500 in qualifying monthly direct deposits |
| Go2bank | up to 4.50% | Vault balances up to $5,000; checking account active and in good standing |
| St. Mary's Credit Union | 4.50% | Balances up to $50,000 |
| Elevault | 4.34% | No minimum balance or requirements |
| Northpointe Bank via Raisin | 4.30% | $1 minimum; rate guaranteed 60 days from funds posting |
Axos ONE, up to 5.00% for new customers with qualifying direct deposits. Roughly 13× the FDIC national average of 0.38%.
Raymond James Bank 60-month CD (WSJ, Oct 12, 2026).
Every table on ratee is re-verified against primary sources on a weekly cycle, and carries its verification date.
Twelve nationally-available accounts compared: APY, minimums, and the catch behind each headline rate.
Lock in a fixed yield from 3 months to 5 years. See which terms pay the most right now.
How much does an extra 3% APY earn you on $10,000 over five years? Do the math.
New explainers from the ratee desk.
The Nov. 1 reset pairs a variable rate already set at 4.08% with a fixed rate forecast to jump to 1.30%–1.40% — a ~5.4% starting composite. Plus the Oct. 28 ID.me login deadline.
APY vs. APR, daily vs. monthly crediting, and what today's top 4.50% APY earns on $10,000 — the math, no hype.
September CPI rose 3.7%, making the next Fed vote a coin flip. Where APYs stand on October 15, 2026 — top rate 5.00% — and how to position cash.
Top savings APYs and T-bill yields look close — until state taxes enter. October 2026 data, the 38-basis-point CA math, and the lock-in vs. float decision.