RateZip Rate Moves
Who moved deposit rates this week.
In the week ending July 21, 2026, the top savings APY tracked by RateZip held at 4.15% (Forbright Bank), and the top CD APY moved up 15 basis points to 4.25% (United Fidelity Bank). Across tracked banks: 1 rate raise and 0 cuts.
Week ending July 21, 2026
Savings: top tracked APY 4.15% (Forbright Bank), unchanged on the week. 0 raises, 0 cuts among 17 tracked banks.
Newly tracked this week: Vio Bank (4.00%), Happen Bank (4.00%), Poppy (4.00%), First National Bank of America (4.00%), Bread Savings (3.95%), Western Alliance Bank (3.80%), Sallie Mae (3.75%), Langley FCU (3.60%), Cash App (3.25%).
CDs: top tracked APY 4.25% (United Fidelity Bank), up 15 basis points on the week. 1 raise, 0 cuts among 13 tracked banks.
Raised: Synchrony Bank 3.80% → 4.00% (+20 bps).
Newly tracked this week: United Fidelity Bank (4.25%), Sallie Mae (4.20%), Bread Savings (4.15%), First National Bank of America (4.05%), Langley FCU (4.00%).
Demand datum: in 2026-06, reverse mortgages drew 86% of the home-equity-tapping inquiries in RateZip's lead flow (1,936 reverse, 225 HELOC, 84 refinance) — 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.