RateZip Rate Moves

Who moved deposit rates this week.

In the week ending October 19, 2026, the top savings APY tracked by RateZip held at 4.25% (CIT Bank), and the top CD APY held at 4.50% (United Fidelity Bank). Across tracked banks: 0 rate raises and 0 cuts.

Week ending October 19, 2026

Savings: top tracked APY 4.25% (CIT Bank), unchanged on the week. 0 raises, 0 cuts among 22 tracked banks.

Newly tracked this week: Albert (4.00%).

CDs: top tracked APY 4.50% (United Fidelity Bank), unchanged on the week. 0 raises, 0 cuts among 20 tracked banks.

Demand datum: in 2026-09, home-equity products (reverse mortgages and HELOCs) drew 100% of the equity-tapping mortgage inquiries in RateZip's lead flow (reverse alone: 70%) - see the Mortgage Demand Index.

Week ending October 12, 2026

Savings: top tracked APY 4.25% (CIT Bank), unchanged on the week. 0 raises, 0 cuts among 21 tracked banks.

Newly tracked this week: CF Bank (4.25%).

CDs: top tracked APY 4.50% (United Fidelity Bank), unchanged on the week. 2 raises, 0 cuts among 20 tracked banks.

Raised: Accordia Bank 4.25% → 4.40% (+15 bps); Capital One 4.30% → 4.40% (+10 bps).

Newly tracked this week: Quorum (4.50%).

Demand datum: in 2026-09, home-equity products (reverse mortgages and HELOCs) drew 100% of the equity-tapping mortgage inquiries in RateZip's lead flow (reverse alone: 70%) - see the Mortgage Demand Index.

Week ending October 5, 2026

Savings: top tracked APY 4.25% (CIT Bank), unchanged on the week. 3 raises, 0 cuts among 20 tracked banks.

Raised: Cash App 3.25% → 3.50% (+25 bps); Poppy 4.00% → 4.25% (+25 bps); Langley FCU 3.60% → 3.75% (+15 bps).

CDs: top tracked APY 4.50% (United Fidelity Bank), unchanged on the week. 3 raises, 0 cuts among 19 tracked banks.

Raised: Synchrony Bank 4.30% → 4.40% (+10 bps); Marcus by Goldman Sachs 4.35% → 4.40% (+5 bps); E*TRADE 4.35% → 4.40% (+5 bps).

Demand datum: in 2026-09, home-equity products (reverse mortgages and HELOCs) drew 100% of the equity-tapping mortgage inquiries in RateZip's lead flow (reverse alone: 70%) - see the Mortgage Demand Index.

Week ending September 28, 2026

Savings: top tracked APY 4.20% (Happen Bank), up 5 basis points on the week. 4 raises, 0 cuts among 20 tracked banks.

Raised: Happen Bank 4.00% → 4.20% (+20 bps); Capital One 3.00% → 3.10% (+10 bps); Vio Bank 3.95% → 4.01% (+6 bps); Bread Savings 3.95% → 4.00% (+5 bps).

CDs: top tracked APY 4.50% (United Fidelity Bank), unchanged on the week. 2 raises, 0 cuts among 19 tracked banks.

Raised: E*TRADE 4.15% → 4.35% (+20 bps); First National Bank of America 4.20% → 4.35% (+15 bps).

Demand datum: in 2026-08, home-equity products (reverse mortgages and HELOCs) drew 95% of the equity-tapping mortgage inquiries in RateZip's lead flow (reverse alone: 73%) - see the Mortgage Demand Index.

Week ending September 21, 2026

Savings: top tracked APY 4.15% (Forbright Bank), unchanged on the week. 2 raises, 0 cuts among 20 tracked banks.

Raised: Marcus by Goldman Sachs 3.40% → 3.50% (+10 bps); Sallie Mae 3.75% → 3.85% (+10 bps).

Newly tracked this week: Barclays (4.00%).

CDs: top tracked APY 4.50% (United Fidelity Bank), up 10 basis points on the week. 4 raises, 0 cuts among 19 tracked banks.

Raised: Bask Bank 4.15% → 4.35% (+20 bps); United Fidelity Bank 4.40% → 4.50% (+10 bps); third federal savings and loan 4.25% → 4.35% (+10 bps); Bread Savings 4.25% → 4.30% (+5 bps).

Demand datum: in 2026-08, home-equity products (reverse mortgages and HELOCs) drew 95% of the equity-tapping mortgage inquiries in RateZip's lead flow (reverse alone: 73%) - see the Mortgage Demand Index.

Week ending September 14, 2026

Savings: top tracked APY 4.15% (Forbright Bank), unchanged on the week. 0 raises, 1 cut among 19 tracked banks.

Cut: Vio Bank 3.99% → 3.95% (-4 bps).

CDs: top tracked APY 4.40% (Sallie Mae), unchanged on the week. 3 raises, 0 cuts among 18 tracked banks.

Raised: Capital One 4.00% → 4.30% (+30 bps); Happen Bank 4.20% → 4.40% (+20 bps); Sallie Mae 4.30% → 4.40% (+10 bps).

Newly tracked this week: Barclays (4.35%).

Demand datum: in 2026-08, home-equity products (reverse mortgages and HELOCs) drew 95% of the equity-tapping mortgage inquiries in RateZip's lead flow (reverse alone: 73%) - see the Mortgage Demand Index.

Week ending September 7, 2026

Savings: top tracked APY 4.15% (Forbright Bank), unchanged on the week. 0 raises, 0 cuts among 19 tracked banks.

CDs: top tracked APY 4.40% (United Fidelity Bank), down 10 basis points on the week. 2 raises, 2 cuts among 17 tracked banks.

Raised: NexBank 3.95% → 4.15% (+20 bps); Marcus by Goldman Sachs 4.30% → 4.35% (+5 bps).

Cut: Sallie Mae 4.40% → 4.30% (-10 bps); United Fidelity Bank 4.50% → 4.40% (-10 bps).

Demand datum: in 2026-08, home-equity products (reverse mortgages and HELOCs) drew 95% of the equity-tapping mortgage inquiries in RateZip's lead flow (reverse alone: 73%) - see the Mortgage Demand Index.

Week ending August 31, 2026

Savings: top tracked APY 4.15% (Forbright Bank), unchanged on the week. 0 raises, 0 cuts among 19 tracked banks.

CDs: top tracked APY 4.50% (United Fidelity Bank), unchanged on the week. 1 raise, 0 cuts among 17 tracked banks.

Raised: Sallie Mae 4.35% → 4.40% (+5 bps).

Demand datum: in 2026-07, home-equity products (reverse mortgages and HELOCs) drew 100% of the equity-tapping mortgage inquiries in RateZip's lead flow (reverse alone: 79%) - see the Mortgage Demand Index.

Week ending August 24, 2026

Savings: top tracked APY 4.15% (Forbright Bank), unchanged on the week. 0 raises, 1 cut among 18 tracked banks.

Cut: Vio Bank 4.00% → 3.99% (-1 bps).

CDs: top tracked APY 4.50% (United Fidelity Bank), unchanged on the week. 2 raises, 1 cut among 17 tracked banks.

Raised: Marcus by Goldman Sachs 4.10% → 4.30% (+20 bps); First National Bank of America 4.05% → 4.20% (+15 bps).

Cut: Bread Savings 4.40% → 4.25% (-15 bps).

Demand datum: in 2026-07, home-equity products (reverse mortgages and HELOCs) drew 100% of the equity-tapping mortgage inquiries in RateZip's lead flow (reverse alone: 79%) - see the Mortgage Demand Index.

Week ending August 17, 2026

Savings: top tracked APY 4.15% (Forbright Bank), unchanged on the week. 0 raises, 0 cuts among 18 tracked banks.

CDs: top tracked APY 4.50% (United Fidelity Bank), up 10 basis points on the week. 2 raises, 0 cuts among 15 tracked banks.

Raised: Synchrony Bank 4.15% → 4.30% (+15 bps); United Fidelity Bank 4.35% → 4.50% (+15 bps).

Demand datum: in 2026-07, home-equity products (reverse mortgages and HELOCs) drew 100% of the equity-tapping mortgage inquiries in RateZip's lead flow (reverse alone: 79%) - see the Mortgage Demand Index.

Week ending August 10, 2026

Savings: top tracked APY 4.15% (Forbright Bank), unchanged on the week. 0 raises, 0 cuts among 18 tracked banks.

CDs: top tracked APY 4.40% (Bread Savings), up 15 basis points on the week. 2 raises, 0 cuts among 15 tracked banks.

Raised: Bread Savings 4.25% → 4.40% (+15 bps); United Fidelity Bank 4.25% → 4.35% (+10 bps).

Demand datum: in 2026-07, home-equity products (reverse mortgages and HELOCs) drew 100% of the equity-tapping mortgage inquiries in RateZip's lead flow (reverse alone: 79%) - see the Mortgage Demand Index.

Week ending August 3, 2026

Savings: top tracked APY 4.15% (Forbright Bank), unchanged on the week. 0 raises, 0 cuts among 18 tracked banks.

CDs: top tracked APY 4.25% (Sallie Mae), unchanged on the week. 2 raises, 0 cuts among 15 tracked banks.

Raised: Bread Savings 4.15% → 4.25% (+10 bps); Sallie Mae 4.20% → 4.25% (+5 bps).

Newly tracked this week: Happen Bank (4.20%).

Demand datum: in 2026-07, home-equity products (reverse mortgages and HELOCs) drew 100% of the equity-tapping mortgage inquiries in RateZip's lead flow (reverse alone: 79%) - see the Mortgage Demand Index.

About these notes

Published weekly from RateZip's APY tracking - hourly snapshots of the published savings and CD tables we monitor, the same store behind the Rate Index. A bank's rate is treated as standing until it publishes a change, and moves are computed bank-by-bank over the trailing seven days. Tracked banks are nationally marketed online offers; brick-and-mortar reference rates are excluded. Availability can depend on state and balance.

Citing these figures? Quote the rate with its week-ending date and attribute to "RateZip Rate Moves" with a link to this page.