RateZip Rate Moves

Who moved deposit rates this week.

In the week ending August 10, 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 4.40% (Bread Savings). Across tracked banks: 2 rate raises and 0 cuts.

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%).

Week ending July 27, 2026

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

Newly tracked this week: Western State Bank (4.00%), Western Alliance Bank (3.80%).

CDs: top tracked APY 4.25% (United Fidelity Bank), unchanged on the week. 1 raise, 0 cuts among 14 tracked banks.

Raised: Synchrony Bank 4.00% → 4.15% (+15 bps).

Newly tracked this week: SF Fire Credit Union (4.00%).

Demand datum: in 2026-06, home-equity products (reverse mortgages and HELOCs) drew 96% of the equity-tapping mortgage inquiries in RateZip's lead flow (reverse alone: 86%) - see the Mortgage Demand Index.

Week ending July 22, 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%).

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.

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%).

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.