RateZip Rate Index

Where deposit and mortgage rates stand today.

As of 2026-08-14 13:20 ET, the highest published savings-account APY tracked by RateZip is 4.15% (unchanged over the past week, down 15 basis points over the past year), and the highest CD APY is 4.50% (up 10 basis points on the week). Both remain well below this cycle's peaks - savings topped out at 5.30% in 2024-05 and CDs at 5.75% in 2023-10 - but far above the near-zero floor of the early 2010s. The 30-year fixed mortgage sits at 6.67% (up 11 basis points over the past year).

Top savings APY

4.15%

unchanged this week · as of 2026-08-14 13:20 ET

Top CD APY

4.50%

up 10 basis points this week · any term

30-yr fixed mortgage

6.67%

up 11 basis points this year · Freddie PMMS

Mortgage cycle peak

7.79%

reached 2023-10

Deposit and mortgage rates, sixteen years

·
0%1%2%3%4%5%6%7%8%9%201020122014201620182020202220242026Top savings APY, 2010-02: 0.25%Top savings APY, 2010-03: 0.25%Top savings APY, 2010-04: 0.25%Top savings APY, 2010-05: 0.25%Top savings APY, 2010-06: 0.25%Top savings APY, 2010-07: 0.25%Top savings APY, 2010-08: 0.25%Top savings APY, 2010-09: 0.25%Top savings APY, 2010-10: 0.25%Top savings APY, 2010-11: 0.25%Top savings APY, 2010-12: 0.25%Top savings APY, 2011-01: 0.15%Top savings APY, 2011-02: 0.15%Top savings APY, 2011-03: 0.15%Top savings APY, 2011-04: 0.15%Top savings APY, 2011-05: 0.15%Top savings APY, 2011-06: 0.15%Top savings APY, 2011-07: 0.15%Top savings APY, 2011-08: 0.15%Top savings APY, 2011-09: 0.15%Top savings APY, 2011-10: 0.15%Top savings APY, 2011-11: 0.15%Top savings APY, 2011-12: 0.15%Top savings APY, 2012-01: 0.15%Top savings APY, 2012-02: 0.15%Top savings APY, 2012-03: 0.15%Top savings APY, 2012-04: 0.15%Top savings APY, 2012-05: 0.15%Top savings APY, 2012-06: 0.15%Top savings APY, 2012-07: 0.15%Top savings APY, 2012-08: 0.15%Top savings APY, 2012-09: 0.15%Top savings APY, 2012-10: 0.15%Top savings APY, 2012-11: 0.15%Top savings APY, 2012-12: 0.15%Top savings APY, 2013-01: 0.85%Top savings APY, 2013-02: 0.85%Top savings APY, 2013-03: 0.85%Top savings APY, 2013-04: 0.85%Top savings APY, 2013-05: 0.85%Top savings APY, 2013-06: 0.85%Top savings APY, 2013-07: 0.85%Top savings APY, 2013-08: 0.85%Top savings APY, 2013-09: 0.85%Top savings APY, 2013-10: 0.85%Top savings APY, 2013-11: 0.90%Top savings APY, 2013-12: 0.90%Top savings APY, 2014-01: 0.90%Top savings APY, 2014-02: 0.90%Top savings APY, 2014-03: 0.95%Top savings APY, 2014-04: 0.95%Top savings APY, 2014-05: 0.95%Top savings APY, 2014-06: 0.95%Top savings APY, 2014-07: 0.95%Top savings APY, 2014-08: 0.95%Top savings APY, 2014-09: 0.95%Top savings APY, 2014-10: 0.95%Top savings APY, 2014-11: 1.00%Top savings APY, 2014-12: 1.00%Top savings APY, 2015-01: 1.00%Top savings APY, 2015-02: 1.00%Top savings APY, 2015-03: 1.00%Top savings APY, 2015-04: 1.05%Top savings APY, 2015-05: 1.05%Top savings APY, 2015-06: 1.05%Top savings APY, 2015-07: 1.05%Top savings APY, 2015-08: 1.05%Top savings APY, 2015-09: 1.05%Top savings APY, 2015-10: 1.05%Top savings APY, 2015-11: 1.05%Top savings APY, 2015-12: 1.05%Top savings APY, 2016-01: 1.05%Top savings APY, 2016-02: 1.05%Top savings APY, 2016-03: 1.05%Top savings APY, 2016-04: 1.05%Top savings APY, 2016-05: 1.05%Top savings APY, 2016-06: 1.05%Top savings APY, 2016-07: 1.05%Top savings APY, 2016-08: 1.05%Top savings APY, 2016-09: 1.05%Top savings APY, 2016-10: 1.05%Top savings APY, 2016-11: 1.05%Top savings APY, 2016-12: 1.05%Top savings APY, 2017-01: 1.05%Top savings APY, 2017-02: 1.05%Top savings APY, 2017-03: 1.05%Top savings APY, 2017-04: 1.05%Top savings APY, 2017-05: 1.05%Top savings APY, 2017-06: 1.20%Top savings APY, 2017-07: 1.20%Top savings APY, 2017-08: 1.20%Top savings APY, 2017-09: 1.30%Top savings APY, 2017-10: 1.30%Top savings APY, 2017-11: 1.30%Top savings APY, 2017-12: 1.40%Top savings APY, 2018-01: 1.50%Top savings APY, 2018-02: 1.50%Top savings APY, 2018-03: 1.50%Top savings APY, 2018-04: 1.60%Top savings APY, 2018-05: 1.70%Top savings APY, 2018-06: 1.80%Top savings APY, 2018-07: 1.85%Top savings APY, 2018-08: 1.85%Top savings APY, 2018-09: 1.90%Top savings APY, 2018-10: 2.05%Top savings APY, 2018-11: 2.05%Top savings APY, 2018-12: 2.20%Top savings APY, 2019-01: 2.25%Top savings APY, 2019-02: 2.25%Top savings APY, 2019-03: 2.25%Top savings APY, 2019-04: 2.25%Top savings APY, 2019-05: 2.25%Top savings APY, 2019-06: 2.25%Top savings APY, 2019-07: 2.15%Top savings APY, 2019-08: 2.15%Top savings APY, 2019-09: 2.00%Top savings APY, 2019-10: 1.90%Top savings APY, 2019-11: 1.80%Top savings APY, 2019-12: 1.80%Top savings APY, 2020-01: 1.70%Top savings APY, 2020-02: 1.70%Top savings APY, 2020-03: 1.70%Top savings APY, 2020-04: 1.55%Top savings APY, 2020-05: 1.30%Top savings APY, 2020-06: 1.05%Top savings APY, 2020-07: 1.05%Top savings APY, 2020-08: 0.80%Top savings APY, 2020-09: 0.65%Top savings APY, 2020-10: 0.60%Top savings APY, 2020-11: 0.60%Top savings APY, 2020-12: 0.60%Top savings APY, 2021-01: 0.55%Top savings APY, 2021-02: 0.50%Top savings APY, 2021-03: 0.50%Top savings APY, 2021-04: 0.50%Top savings APY, 2021-05: 0.50%Top savings APY, 2021-06: 0.50%Top savings APY, 2021-07: 0.50%Top savings APY, 2021-08: 0.50%Top savings APY, 2021-09: 0.50%Top savings APY, 2021-10: 0.50%Top savings APY, 2021-11: 0.50%Top savings APY, 2021-12: 0.50%Top savings APY, 2022-01: 0.70%Top savings APY, 2022-02: 0.70%Top savings APY, 2022-03: 0.70%Top savings APY, 2022-04: 0.80%Top savings APY, 2022-05: 1.25%Top savings APY, 2022-06: 1.61%Top savings APY, 2022-07: 2.02%Top savings APY, 2022-08: 2.20%Top savings APY, 2022-09: 2.75%Top savings APY, 2022-10: 3.05%Top savings APY, 2022-11: 3.85%Top savings APY, 2022-12: 4.03%Top savings APY, 2023-01: 4.15%Top savings APY, 2023-02: 4.25%Top savings APY, 2023-03: 4.75%Top savings APY, 2023-04: 4.75%Top savings APY, 2023-05: 4.85%Top savings APY, 2023-06: 4.95%Top savings APY, 2023-07: 5.05%Top savings APY, 2023-08: 5.05%Top savings APY, 2023-09: 5.05%Top savings APY, 2023-10: 5.10%Top savings APY, 2023-11: 5.10%Top savings APY, 2023-12: 5.15%Top savings APY, 2024-01: 5.15%Top savings APY, 2024-02: 5.15%Top savings APY, 2024-03: 5.15%Top savings APY, 2024-04: 5.15%Top savings APY, 2024-05: 5.30%Top savings APY, 2024-06: 5.30%Top savings APY, 2024-07: 5.30%Top savings APY, 2024-08: 5.30%Top savings APY, 2024-09: 5.30%Top savings APY, 2024-10: 5.05%Top savings APY, 2024-11: 4.75%Top savings APY, 2024-12: 4.60%Top savings APY, 2025-01: 4.50%Top savings APY, 2025-02: 4.35%Top savings APY, 2025-03: 4.35%Top savings APY, 2025-04: 4.30%Top savings APY, 2025-05: 4.30%Top savings APY, 2025-06: 4.30%Top savings APY, 2025-07: 4.30%Top savings APY, 2025-08: 4.30%Top savings APY, 2025-09: 4.25%Top savings APY, 2025-10: 4.05%Top savings APY, 2025-11: 4.05%Top savings APY, 2025-12: 4.00%Top savings APY, 2026-01: 3.90%Top savings APY, 2026-02: 3.90%Top savings APY, 2026-03: 4.10%Top savings APY, 2026-04: 4.10%Top savings APY, 2026-05: 4.10%Top savings APY, 2026-06: 4.15%Top savings APY, 2026-07: 4.15%Top savings APY, 2026-08: 4.15%4.15%Top CD APY, 2010-02: 1.85%Top CD APY, 2010-03: 1.55%Top CD APY, 2010-04: 1.50%Top CD APY, 2010-05: 1.50%Top CD APY, 2010-06: 1.20%Top CD APY, 2010-07: 1.20%Top CD APY, 2010-08: 0.80%Top CD APY, 2010-09: 0.80%Top CD APY, 2010-10: 0.80%Top CD APY, 2010-11: 1.10%Top CD APY, 2010-12: 0.80%Top CD APY, 2011-01: 0.40%Top CD APY, 2011-02: 0.40%Top CD APY, 2011-03: 0.95%Top CD APY, 2011-04: 0.95%Top CD APY, 2011-05: 0.95%Top CD APY, 2011-06: 0.95%Top CD APY, 2011-07: 0.95%Top CD APY, 2011-08: 0.95%Top CD APY, 2011-09: 1.05%Top CD APY, 2011-10: 1.05%Top CD APY, 2011-11: 1.05%Top CD APY, 2011-12: 1.05%Top CD APY, 2012-01: 1.05%Top CD APY, 2012-02: 0.80%Top CD APY, 2012-03: 0.80%Top CD APY, 2012-04: 0.80%Top CD APY, 2012-05: 0.80%Top CD APY, 2012-06: 0.80%Top CD APY, 2012-07: 0.80%Top CD APY, 2012-08: 1.05%Top CD APY, 2012-09: 1.05%Top CD APY, 2012-10: 1.05%Top CD APY, 2012-11: 1.05%Top CD APY, 2012-12: 1.05%Top CD APY, 2013-01: 1.05%Top CD APY, 2013-02: 1.05%Top CD APY, 2013-03: 1.05%Top CD APY, 2013-04: 1.05%Top CD APY, 2013-05: 0.60%Top CD APY, 2013-06: 0.60%Top CD APY, 2013-07: 0.60%Top CD APY, 2013-08: 0.60%Top CD APY, 2013-09: 0.60%Top CD APY, 2013-10: 0.40%Top CD APY, 2013-11: 0.40%Top CD APY, 2013-12: 0.40%Top CD APY, 2014-01: 0.40%Top CD APY, 2014-02: 0.40%Top CD APY, 2014-03: 0.40%Top CD APY, 2014-04: 0.40%Top CD APY, 2014-05: 0.40%Top CD APY, 2014-06: 0.40%Top CD APY, 2014-07: 0.90%Top CD APY, 2014-08: 0.90%Top CD APY, 2014-09: 0.90%Top CD APY, 2014-10: 0.90%Top CD APY, 2014-11: 0.90%Top CD APY, 2014-12: 1.00%Top CD APY, 2015-01: 1.00%Top CD APY, 2015-02: 1.00%Top CD APY, 2015-03: 1.10%Top CD APY, 2015-04: 1.10%Top CD APY, 2015-05: 1.10%Top CD APY, 2015-06: 1.10%Top CD APY, 2015-07: 1.10%Top CD APY, 2015-08: 1.10%Top CD APY, 2015-09: 1.10%Top CD APY, 2015-10: 1.10%Top CD APY, 2015-11: 1.10%Top CD APY, 2015-12: 1.10%Top CD APY, 2016-01: 1.30%Top CD APY, 2016-02: 1.25%Top CD APY, 2016-03: 1.25%Top CD APY, 2016-04: 1.25%Top CD APY, 2016-05: 1.25%Top CD APY, 2016-06: 1.25%Top CD APY, 2016-07: 1.25%Top CD APY, 2016-08: 1.25%Top CD APY, 2016-09: 1.25%Top CD APY, 2016-10: 1.25%Top CD APY, 2016-11: 1.25%Top CD APY, 2016-12: 1.25%Top CD APY, 2017-01: 1.25%Top CD APY, 2017-02: 1.30%Top CD APY, 2017-03: 1.30%Top CD APY, 2017-04: 1.30%Top CD APY, 2017-05: 1.25%Top CD APY, 2017-06: 1.25%Top CD APY, 2017-07: 1.25%Top CD APY, 2017-08: 1.45%Top CD APY, 2017-09: 1.45%Top CD APY, 2017-10: 1.45%Top CD APY, 2017-11: 1.65%Top CD APY, 2017-12: 1.65%Top CD APY, 2018-01: 1.65%Top CD APY, 2018-02: 2.00%Top CD APY, 2018-03: 2.05%Top CD APY, 2018-04: 2.10%Top CD APY, 2018-05: 2.25%Top CD APY, 2018-06: 2.30%Top CD APY, 2018-07: 2.50%Top CD APY, 2018-08: 2.65%Top CD APY, 2018-09: 2.65%Top CD APY, 2018-10: 2.65%Top CD APY, 2018-11: 2.65%Top CD APY, 2018-12: 2.70%Top CD APY, 2019-01: 2.70%Top CD APY, 2019-02: 2.70%Top CD APY, 2019-03: 2.70%Top CD APY, 2019-04: 2.70%Top CD APY, 2019-05: 2.70%Top CD APY, 2019-06: 2.70%Top CD APY, 2019-07: 2.70%Top CD APY, 2019-08: 2.45%Top CD APY, 2019-09: 2.30%Top CD APY, 2019-10: 2.20%Top CD APY, 2019-11: 2.10%Top CD APY, 2019-12: 2.01%Top CD APY, 2020-01: 2.00%Top CD APY, 2020-02: 2.00%Top CD APY, 2020-03: 1.70%Top CD APY, 2020-04: 1.50%Top CD APY, 2020-05: 1.20%Top CD APY, 2020-06: 0.90%Top CD APY, 2020-07: 0.75%Top CD APY, 2020-08: 0.75%Top CD APY, 2020-09: 0.75%Top CD APY, 2020-10: 0.75%Top CD APY, 2020-11: 0.75%Top CD APY, 2020-12: 0.75%Top CD APY, 2021-01: 0.75%Top CD APY, 2021-02: 0.75%Top CD APY, 2021-03: 0.75%Top CD APY, 2021-04: 0.75%Top CD APY, 2021-05: 0.75%Top CD APY, 2021-06: 0.75%Top CD APY, 2021-07: 0.75%Top CD APY, 2021-08: 0.75%Top CD APY, 2021-09: 0.60%Top CD APY, 2021-10: 0.60%Top CD APY, 2021-11: 0.60%Top CD APY, 2021-12: 0.60%Top CD APY, 2022-01: 0.60%Top CD APY, 2022-02: 0.70%Top CD APY, 2022-03: 1.15%Top CD APY, 2022-04: 1.20%Top CD APY, 2022-05: 1.30%Top CD APY, 2022-06: 2.10%Top CD APY, 2022-07: 2.25%Top CD APY, 2022-08: 2.75%Top CD APY, 2022-09: 3.25%Top CD APY, 2022-10: 4.00%Top CD APY, 2022-11: 4.15%Top CD APY, 2022-12: 4.45%Top CD APY, 2023-01: 4.45%Top CD APY, 2023-02: 4.55%Top CD APY, 2023-03: 4.80%Top CD APY, 2023-04: 4.80%Top CD APY, 2023-05: 5.00%Top CD APY, 2023-06: 5.35%Top CD APY, 2023-07: 5.35%Top CD APY, 2023-08: 5.35%Top CD APY, 2023-09: 5.35%Top CD APY, 2023-10: 5.75%Top CD APY, 2023-11: 5.75%Top CD APY, 2023-12: 5.60%Top CD APY, 2024-01: 5.40%Top CD APY, 2024-02: 5.40%Top CD APY, 2024-03: 5.35%Top CD APY, 2024-04: 5.35%Top CD APY, 2024-05: 5.35%Top CD APY, 2024-06: 5.35%Top CD APY, 2024-07: 5.35%Top CD APY, 2024-08: 5.00%Top CD APY, 2024-09: 4.60%Top CD APY, 2024-10: 4.40%Top CD APY, 2024-11: 4.37%Top CD APY, 2024-12: 4.25%Top CD APY, 2025-01: 4.35%Top CD APY, 2025-02: 4.40%Top CD APY, 2025-03: 4.40%Top CD APY, 2025-04: 4.40%Top CD APY, 2025-05: 4.35%Top CD APY, 2025-06: 4.35%Top CD APY, 2025-07: 4.35%Top CD APY, 2025-08: 4.30%Top CD APY, 2025-09: 4.15%Top CD APY, 2025-10: 4.10%Top CD APY, 2025-11: 4.10%Top CD APY, 2025-12: 4.10%Top CD APY, 2026-01: 4.10%Top CD APY, 2026-02: 4.10%Top CD APY, 2026-03: 4.10%Top CD APY, 2026-04: 4.05%Top CD APY, 2026-05: 4.15%Top CD APY, 2026-06: 4.15%Top CD APY, 2026-07: 4.25%Top CD APY, 2026-08: 4.50%4.50%30-yr fixed mortgage, 2010-01: 4.98%30-yr fixed mortgage, 2010-02: 5.05%30-yr fixed mortgage, 2010-03: 4.99%30-yr fixed mortgage, 2010-04: 5.06%30-yr fixed mortgage, 2010-05: 4.78%30-yr fixed mortgage, 2010-06: 4.69%30-yr fixed mortgage, 2010-07: 4.54%30-yr fixed mortgage, 2010-08: 4.36%30-yr fixed mortgage, 2010-09: 4.32%30-yr fixed mortgage, 2010-10: 4.23%30-yr fixed mortgage, 2010-11: 4.40%30-yr fixed mortgage, 2010-12: 4.86%30-yr fixed mortgage, 2011-01: 4.80%30-yr fixed mortgage, 2011-02: 4.95%30-yr fixed mortgage, 2011-03: 4.86%30-yr fixed mortgage, 2011-04: 4.78%30-yr fixed mortgage, 2011-05: 4.60%30-yr fixed mortgage, 2011-06: 4.51%30-yr fixed mortgage, 2011-07: 4.55%30-yr fixed mortgage, 2011-08: 4.22%30-yr fixed mortgage, 2011-09: 4.01%30-yr fixed mortgage, 2011-10: 4.10%30-yr fixed mortgage, 2011-11: 3.98%30-yr fixed mortgage, 2011-12: 3.95%30-yr fixed mortgage, 2012-01: 3.98%30-yr fixed mortgage, 2012-02: 3.95%30-yr fixed mortgage, 2012-03: 3.99%30-yr fixed mortgage, 2012-04: 3.88%30-yr fixed mortgage, 2012-05: 3.75%30-yr fixed mortgage, 2012-06: 3.66%30-yr fixed mortgage, 2012-07: 3.49%30-yr fixed mortgage, 2012-08: 3.59%30-yr fixed mortgage, 2012-09: 3.40%30-yr fixed mortgage, 2012-10: 3.41%30-yr fixed mortgage, 2012-11: 3.32%30-yr fixed mortgage, 2012-12: 3.35%30-yr fixed mortgage, 2013-01: 3.53%30-yr fixed mortgage, 2013-02: 3.51%30-yr fixed mortgage, 2013-03: 3.57%30-yr fixed mortgage, 2013-04: 3.40%30-yr fixed mortgage, 2013-05: 3.81%30-yr fixed mortgage, 2013-06: 4.46%30-yr fixed mortgage, 2013-07: 4.31%30-yr fixed mortgage, 2013-08: 4.51%30-yr fixed mortgage, 2013-09: 4.32%30-yr fixed mortgage, 2013-10: 4.10%30-yr fixed mortgage, 2013-11: 4.29%30-yr fixed mortgage, 2013-12: 4.48%30-yr fixed mortgage, 2014-01: 4.32%30-yr fixed mortgage, 2014-02: 4.37%30-yr fixed mortgage, 2014-03: 4.40%30-yr fixed mortgage, 2014-04: 4.33%30-yr fixed mortgage, 2014-05: 4.12%30-yr fixed mortgage, 2014-06: 4.14%30-yr fixed mortgage, 2014-07: 4.12%30-yr fixed mortgage, 2014-08: 4.10%30-yr fixed mortgage, 2014-09: 4.20%30-yr fixed mortgage, 2014-10: 3.98%30-yr fixed mortgage, 2014-11: 3.97%30-yr fixed mortgage, 2014-12: 3.87%30-yr fixed mortgage, 2015-01: 3.66%30-yr fixed mortgage, 2015-02: 3.80%30-yr fixed mortgage, 2015-03: 3.69%30-yr fixed mortgage, 2015-04: 3.68%30-yr fixed mortgage, 2015-05: 3.87%30-yr fixed mortgage, 2015-06: 4.02%30-yr fixed mortgage, 2015-07: 3.98%30-yr fixed mortgage, 2015-08: 3.84%30-yr fixed mortgage, 2015-09: 3.86%30-yr fixed mortgage, 2015-10: 3.76%30-yr fixed mortgage, 2015-11: 3.95%30-yr fixed mortgage, 2015-12: 4.01%30-yr fixed mortgage, 2016-01: 3.79%30-yr fixed mortgage, 2016-02: 3.62%30-yr fixed mortgage, 2016-03: 3.71%30-yr fixed mortgage, 2016-04: 3.66%30-yr fixed mortgage, 2016-05: 3.64%30-yr fixed mortgage, 2016-06: 3.48%30-yr fixed mortgage, 2016-07: 3.48%30-yr fixed mortgage, 2016-08: 3.43%30-yr fixed mortgage, 2016-09: 3.42%30-yr fixed mortgage, 2016-10: 3.47%30-yr fixed mortgage, 2016-11: 4.03%30-yr fixed mortgage, 2016-12: 4.32%30-yr fixed mortgage, 2017-01: 4.19%30-yr fixed mortgage, 2017-02: 4.16%30-yr fixed mortgage, 2017-03: 4.14%30-yr fixed mortgage, 2017-04: 4.03%30-yr fixed mortgage, 2017-05: 3.95%30-yr fixed mortgage, 2017-06: 3.88%30-yr fixed mortgage, 2017-07: 3.92%30-yr fixed mortgage, 2017-08: 3.82%30-yr fixed mortgage, 2017-09: 3.83%30-yr fixed mortgage, 2017-10: 3.94%30-yr fixed mortgage, 2017-11: 3.90%30-yr fixed mortgage, 2017-12: 3.99%30-yr fixed mortgage, 2018-01: 4.15%30-yr fixed mortgage, 2018-02: 4.40%30-yr fixed mortgage, 2018-03: 4.44%30-yr fixed mortgage, 2018-04: 4.58%30-yr fixed mortgage, 2018-05: 4.56%30-yr fixed mortgage, 2018-06: 4.55%30-yr fixed mortgage, 2018-07: 4.54%30-yr fixed mortgage, 2018-08: 4.52%30-yr fixed mortgage, 2018-09: 4.72%30-yr fixed mortgage, 2018-10: 4.86%30-yr fixed mortgage, 2018-11: 4.81%30-yr fixed mortgage, 2018-12: 4.55%30-yr fixed mortgage, 2019-01: 4.46%30-yr fixed mortgage, 2019-02: 4.35%30-yr fixed mortgage, 2019-03: 4.06%30-yr fixed mortgage, 2019-04: 4.20%30-yr fixed mortgage, 2019-05: 3.99%30-yr fixed mortgage, 2019-06: 3.73%30-yr fixed mortgage, 2019-07: 3.75%30-yr fixed mortgage, 2019-08: 3.58%30-yr fixed mortgage, 2019-09: 3.64%30-yr fixed mortgage, 2019-10: 3.78%30-yr fixed mortgage, 2019-11: 3.68%30-yr fixed mortgage, 2019-12: 3.74%30-yr fixed mortgage, 2020-01: 3.51%30-yr fixed mortgage, 2020-02: 3.45%30-yr fixed mortgage, 2020-03: 3.50%30-yr fixed mortgage, 2020-04: 3.23%30-yr fixed mortgage, 2020-05: 3.15%30-yr fixed mortgage, 2020-06: 3.13%30-yr fixed mortgage, 2020-07: 2.99%30-yr fixed mortgage, 2020-08: 2.91%30-yr fixed mortgage, 2020-09: 2.90%30-yr fixed mortgage, 2020-10: 2.81%30-yr fixed mortgage, 2020-11: 2.72%30-yr fixed mortgage, 2020-12: 2.67%30-yr fixed mortgage, 2021-01: 2.73%30-yr fixed mortgage, 2021-02: 2.97%30-yr fixed mortgage, 2021-03: 3.17%30-yr fixed mortgage, 2021-04: 2.98%30-yr fixed mortgage, 2021-05: 2.95%30-yr fixed mortgage, 2021-06: 3.02%30-yr fixed mortgage, 2021-07: 2.80%30-yr fixed mortgage, 2021-08: 2.87%30-yr fixed mortgage, 2021-09: 3.01%30-yr fixed mortgage, 2021-10: 3.14%30-yr fixed mortgage, 2021-11: 3.10%30-yr fixed mortgage, 2021-12: 3.11%30-yr fixed mortgage, 2022-01: 3.55%30-yr fixed mortgage, 2022-02: 3.89%30-yr fixed mortgage, 2022-03: 4.67%30-yr fixed mortgage, 2022-04: 5.10%30-yr fixed mortgage, 2022-05: 5.10%30-yr fixed mortgage, 2022-06: 5.70%30-yr fixed mortgage, 2022-07: 5.30%30-yr fixed mortgage, 2022-08: 5.55%30-yr fixed mortgage, 2022-09: 6.70%30-yr fixed mortgage, 2022-10: 7.08%30-yr fixed mortgage, 2022-11: 6.58%30-yr fixed mortgage, 2022-12: 6.42%30-yr fixed mortgage, 2023-01: 6.13%30-yr fixed mortgage, 2023-02: 6.50%30-yr fixed mortgage, 2023-03: 6.32%30-yr fixed mortgage, 2023-04: 6.43%30-yr fixed mortgage, 2023-05: 6.57%30-yr fixed mortgage, 2023-06: 6.71%30-yr fixed mortgage, 2023-07: 6.81%30-yr fixed mortgage, 2023-08: 7.18%30-yr fixed mortgage, 2023-09: 7.31%30-yr fixed mortgage, 2023-10: 7.79%30-yr fixed mortgage, 2023-11: 7.22%30-yr fixed mortgage, 2023-12: 6.61%30-yr fixed mortgage, 2024-01: 6.69%30-yr fixed mortgage, 2024-02: 6.94%30-yr fixed mortgage, 2024-03: 6.79%30-yr fixed mortgage, 2024-04: 7.17%30-yr fixed mortgage, 2024-05: 7.03%30-yr fixed mortgage, 2024-06: 6.86%30-yr fixed mortgage, 2024-07: 6.78%30-yr fixed mortgage, 2024-08: 6.35%30-yr fixed mortgage, 2024-09: 6.08%30-yr fixed mortgage, 2024-10: 6.72%30-yr fixed mortgage, 2024-11: 6.81%30-yr fixed mortgage, 2024-12: 6.85%30-yr fixed mortgage, 2025-01: 6.95%30-yr fixed mortgage, 2025-02: 6.76%30-yr fixed mortgage, 2025-03: 6.65%30-yr fixed mortgage, 2025-04: 6.81%30-yr fixed mortgage, 2025-05: 6.89%30-yr fixed mortgage, 2025-06: 6.77%30-yr fixed mortgage, 2025-07: 6.72%30-yr fixed mortgage, 2025-08: 6.56%30-yr fixed mortgage, 2025-09: 6.30%30-yr fixed mortgage, 2025-10: 6.17%30-yr fixed mortgage, 2025-11: 6.23%30-yr fixed mortgage, 2025-12: 6.15%30-yr fixed mortgage, 2026-01: 6.10%30-yr fixed mortgage, 2026-02: 5.98%30-yr fixed mortgage, 2026-03: 6.38%30-yr fixed mortgage, 2026-04: 6.30%30-yr fixed mortgage, 2026-05: 6.53%30-yr fixed mortgage, 2026-06: 6.49%30-yr fixed mortgage, 2026-07: 6.66%30-yr fixed mortgage, 2026-08: 6.67%6.67%15-yr fixed mortgage, 2010-01: 4.39%15-yr fixed mortgage, 2010-02: 4.40%15-yr fixed mortgage, 2010-03: 4.34%15-yr fixed mortgage, 2010-04: 4.39%15-yr fixed mortgage, 2010-05: 4.21%15-yr fixed mortgage, 2010-06: 4.13%15-yr fixed mortgage, 2010-07: 4.00%15-yr fixed mortgage, 2010-08: 3.86%15-yr fixed mortgage, 2010-09: 3.75%15-yr fixed mortgage, 2010-10: 3.66%15-yr fixed mortgage, 2010-11: 3.77%15-yr fixed mortgage, 2010-12: 4.20%15-yr fixed mortgage, 2011-01: 4.09%15-yr fixed mortgage, 2011-02: 4.22%15-yr fixed mortgage, 2011-03: 4.09%15-yr fixed mortgage, 2011-04: 3.97%15-yr fixed mortgage, 2011-05: 3.78%15-yr fixed mortgage, 2011-06: 3.69%15-yr fixed mortgage, 2011-07: 3.66%15-yr fixed mortgage, 2011-08: 3.44%15-yr fixed mortgage, 2011-09: 3.28%15-yr fixed mortgage, 2011-10: 3.38%15-yr fixed mortgage, 2011-11: 3.30%15-yr fixed mortgage, 2011-12: 3.24%15-yr fixed mortgage, 2012-01: 3.24%15-yr fixed mortgage, 2012-02: 3.19%15-yr fixed mortgage, 2012-03: 3.23%15-yr fixed mortgage, 2012-04: 3.12%15-yr fixed mortgage, 2012-05: 2.97%15-yr fixed mortgage, 2012-06: 2.94%15-yr fixed mortgage, 2012-07: 2.80%15-yr fixed mortgage, 2012-08: 2.86%15-yr fixed mortgage, 2012-09: 2.73%15-yr fixed mortgage, 2012-10: 2.72%15-yr fixed mortgage, 2012-11: 2.64%15-yr fixed mortgage, 2012-12: 2.65%15-yr fixed mortgage, 2013-01: 2.81%15-yr fixed mortgage, 2013-02: 2.76%15-yr fixed mortgage, 2013-03: 2.76%15-yr fixed mortgage, 2013-04: 2.61%15-yr fixed mortgage, 2013-05: 2.98%15-yr fixed mortgage, 2013-06: 3.50%15-yr fixed mortgage, 2013-07: 3.39%15-yr fixed mortgage, 2013-08: 3.54%15-yr fixed mortgage, 2013-09: 3.37%15-yr fixed mortgage, 2013-10: 3.20%15-yr fixed mortgage, 2013-11: 3.30%15-yr fixed mortgage, 2013-12: 3.52%15-yr fixed mortgage, 2014-01: 3.40%15-yr fixed mortgage, 2014-02: 3.39%15-yr fixed mortgage, 2014-03: 3.42%15-yr fixed mortgage, 2014-04: 3.39%15-yr fixed mortgage, 2014-05: 3.21%15-yr fixed mortgage, 2014-06: 3.22%15-yr fixed mortgage, 2014-07: 3.23%15-yr fixed mortgage, 2014-08: 3.25%15-yr fixed mortgage, 2014-09: 3.36%15-yr fixed mortgage, 2014-10: 3.13%15-yr fixed mortgage, 2014-11: 3.17%15-yr fixed mortgage, 2014-12: 3.15%15-yr fixed mortgage, 2015-01: 2.98%15-yr fixed mortgage, 2015-02: 3.07%15-yr fixed mortgage, 2015-03: 2.97%15-yr fixed mortgage, 2015-04: 2.94%15-yr fixed mortgage, 2015-05: 3.11%15-yr fixed mortgage, 2015-06: 3.21%15-yr fixed mortgage, 2015-07: 3.17%15-yr fixed mortgage, 2015-08: 3.06%15-yr fixed mortgage, 2015-09: 3.08%15-yr fixed mortgage, 2015-10: 2.98%15-yr fixed mortgage, 2015-11: 3.18%15-yr fixed mortgage, 2015-12: 3.24%15-yr fixed mortgage, 2016-01: 3.07%15-yr fixed mortgage, 2016-02: 2.93%15-yr fixed mortgage, 2016-03: 2.98%15-yr fixed mortgage, 2016-04: 2.89%15-yr fixed mortgage, 2016-05: 2.89%15-yr fixed mortgage, 2016-06: 2.78%15-yr fixed mortgage, 2016-07: 2.78%15-yr fixed mortgage, 2016-08: 2.74%15-yr fixed mortgage, 2016-09: 2.72%15-yr fixed mortgage, 2016-10: 2.78%15-yr fixed mortgage, 2016-11: 3.25%15-yr fixed mortgage, 2016-12: 3.55%15-yr fixed mortgage, 2017-01: 3.40%15-yr fixed mortgage, 2017-02: 3.37%15-yr fixed mortgage, 2017-03: 3.39%15-yr fixed mortgage, 2017-04: 3.27%15-yr fixed mortgage, 2017-05: 3.19%15-yr fixed mortgage, 2017-06: 3.17%15-yr fixed mortgage, 2017-07: 3.20%15-yr fixed mortgage, 2017-08: 3.12%15-yr fixed mortgage, 2017-09: 3.13%15-yr fixed mortgage, 2017-10: 3.25%15-yr fixed mortgage, 2017-11: 3.30%15-yr fixed mortgage, 2017-12: 3.44%15-yr fixed mortgage, 2018-01: 3.62%15-yr fixed mortgage, 2018-02: 3.85%15-yr fixed mortgage, 2018-03: 3.90%15-yr fixed mortgage, 2018-04: 4.02%15-yr fixed mortgage, 2018-05: 4.06%15-yr fixed mortgage, 2018-06: 4.04%15-yr fixed mortgage, 2018-07: 4.02%15-yr fixed mortgage, 2018-08: 3.97%15-yr fixed mortgage, 2018-09: 4.16%15-yr fixed mortgage, 2018-10: 4.29%15-yr fixed mortgage, 2018-11: 4.25%15-yr fixed mortgage, 2018-12: 4.01%15-yr fixed mortgage, 2019-01: 3.89%15-yr fixed mortgage, 2019-02: 3.77%15-yr fixed mortgage, 2019-03: 3.57%15-yr fixed mortgage, 2019-04: 3.64%15-yr fixed mortgage, 2019-05: 3.46%15-yr fixed mortgage, 2019-06: 3.16%15-yr fixed mortgage, 2019-07: 3.18%15-yr fixed mortgage, 2019-08: 3.06%15-yr fixed mortgage, 2019-09: 3.16%15-yr fixed mortgage, 2019-10: 3.19%15-yr fixed mortgage, 2019-11: 3.15%15-yr fixed mortgage, 2019-12: 3.19%15-yr fixed mortgage, 2020-01: 3.00%15-yr fixed mortgage, 2020-02: 2.95%15-yr fixed mortgage, 2020-03: 2.92%15-yr fixed mortgage, 2020-04: 2.77%15-yr fixed mortgage, 2020-05: 2.62%15-yr fixed mortgage, 2020-06: 2.59%15-yr fixed mortgage, 2020-07: 2.51%15-yr fixed mortgage, 2020-08: 2.46%15-yr fixed mortgage, 2020-09: 2.40%15-yr fixed mortgage, 2020-10: 2.32%15-yr fixed mortgage, 2020-11: 2.28%15-yr fixed mortgage, 2020-12: 2.17%15-yr fixed mortgage, 2021-01: 2.20%15-yr fixed mortgage, 2021-02: 2.34%15-yr fixed mortgage, 2021-03: 2.45%15-yr fixed mortgage, 2021-04: 2.31%15-yr fixed mortgage, 2021-05: 2.27%15-yr fixed mortgage, 2021-06: 2.34%15-yr fixed mortgage, 2021-07: 2.10%15-yr fixed mortgage, 2021-08: 2.17%15-yr fixed mortgage, 2021-09: 2.28%15-yr fixed mortgage, 2021-10: 2.37%15-yr fixed mortgage, 2021-11: 2.42%15-yr fixed mortgage, 2021-12: 2.33%15-yr fixed mortgage, 2022-01: 2.80%15-yr fixed mortgage, 2022-02: 3.14%15-yr fixed mortgage, 2022-03: 3.83%15-yr fixed mortgage, 2022-04: 4.40%15-yr fixed mortgage, 2022-05: 4.31%15-yr fixed mortgage, 2022-06: 4.83%15-yr fixed mortgage, 2022-07: 4.58%15-yr fixed mortgage, 2022-08: 4.85%15-yr fixed mortgage, 2022-09: 5.96%15-yr fixed mortgage, 2022-10: 6.36%15-yr fixed mortgage, 2022-11: 5.90%15-yr fixed mortgage, 2022-12: 5.68%15-yr fixed mortgage, 2023-01: 5.17%15-yr fixed mortgage, 2023-02: 5.76%15-yr fixed mortgage, 2023-03: 5.56%15-yr fixed mortgage, 2023-04: 5.71%15-yr fixed mortgage, 2023-05: 5.97%15-yr fixed mortgage, 2023-06: 6.06%15-yr fixed mortgage, 2023-07: 6.11%15-yr fixed mortgage, 2023-08: 6.55%15-yr fixed mortgage, 2023-09: 6.72%15-yr fixed mortgage, 2023-10: 7.03%15-yr fixed mortgage, 2023-11: 6.56%15-yr fixed mortgage, 2023-12: 5.93%15-yr fixed mortgage, 2024-01: 5.96%15-yr fixed mortgage, 2024-02: 6.26%15-yr fixed mortgage, 2024-03: 6.11%15-yr fixed mortgage, 2024-04: 6.44%15-yr fixed mortgage, 2024-05: 6.36%15-yr fixed mortgage, 2024-06: 6.16%15-yr fixed mortgage, 2024-07: 6.07%15-yr fixed mortgage, 2024-08: 5.51%15-yr fixed mortgage, 2024-09: 5.16%15-yr fixed mortgage, 2024-10: 5.99%15-yr fixed mortgage, 2024-11: 6.10%15-yr fixed mortgage, 2024-12: 6.00%15-yr fixed mortgage, 2025-01: 6.12%15-yr fixed mortgage, 2025-02: 5.94%15-yr fixed mortgage, 2025-03: 5.89%15-yr fixed mortgage, 2025-04: 5.94%15-yr fixed mortgage, 2025-05: 6.03%15-yr fixed mortgage, 2025-06: 5.89%15-yr fixed mortgage, 2025-07: 5.85%15-yr fixed mortgage, 2025-08: 5.69%15-yr fixed mortgage, 2025-09: 5.49%15-yr fixed mortgage, 2025-10: 5.41%15-yr fixed mortgage, 2025-11: 5.51%15-yr fixed mortgage, 2025-12: 5.44%15-yr fixed mortgage, 2026-01: 5.49%15-yr fixed mortgage, 2026-02: 5.44%15-yr fixed mortgage, 2026-03: 5.75%15-yr fixed mortgage, 2026-04: 5.64%15-yr fixed mortgage, 2026-05: 5.87%15-yr fixed mortgage, 2026-06: 5.84%15-yr fixed mortgage, 2026-07: 6.04%15-yr fixed mortgage, 2026-08: 5.96%5.96%
Highest tracked savings and CD APY each month alongside average mortgage rates. Click legend chips to show or hide series; drag across the chart (or use the range buttons) to zoom, double-click to reset.

How they move together

Deposit APYs and mortgage rates rise and fall together because both track the Federal Reserve's policy rate. The chart shows it plainly: in 2020-2021 the 30-year fixed hit an all-time low of 2.67% while savings APYs fell to near zero; through 2022-2023 both climbed sharply, the mortgage peaking at 7.79% in 2023; and both have eased since. The gap between them - what a bank earns lending versus what it pays savers - is where the rate market's pressure shows up first.

Today's top savings APYs

BankAPYMin. deposit
CIT Bank4.10%5000
Poppy4.00%1000
Western State Bank4.00%0
Bread Savings3.95%100
Western Alliance Bank3.80%0.01
Sallie Mae3.75%0
Langley FCU3.60%0
Marcus by Goldman Sachs3.40%0
Cash App3.25%0
Capital One3.00%0

Today's top CD APYs

BankAPYTermMin. deposit
United Fidelity Bank4.50%18 months1000.00
Bread Savings4.40%9 months1500.00
Synchrony Bank4.30%16 months0.00
Sallie Mae4.25%18 months2500.00
Bask Bank4.15%1 year1000.00
Marcus by Goldman Sachs4.10%9 months500.00
SF Fire Credit Union4.00%7 months250.00

Live tables with account-opening links: savings · CDs

RateZip explains how to choose between high-yield savings, CDs, money market accounts, Treasury bills, and CD ladders based on when you need the money and how much liquidity you want.

What the big banks offer

The largest retail banks pay very little on standard savings, but run competitive featured/promotional CDs. These are their best current CD APYs — still generally at or below the top online-bank rates above.

BankProductTermAPY
Wells FargoSpecial CD4 months4.00%
Bank of AmericaFeatured CD7 months4.00%
Wells FargoSpecial CD7 months3.50%
ChaseRelationship CD4 months3.30%
Wells FargoSpecial CD11 months3.25%

Featured CD rates as of 2026-07-21; source: Fortune major-bank CD roundup. Standard savings/CD rates at these banks are minimal; big banks localize rates by region and relationship tier.

Today's rates from our lending partners

Publicly-posted rates from lenders in the RateZip network, refreshed daily. Each lender sets its own assumptions (loan size, credit, points), so these aren't apples-to-apples - treat them as a starting point, not an offer. Partners without a posted rate link straight to a quote.

LenderProductRateAPR
AmeriSave30-Year Fixed5.500%5.992%
New American Funding30-Year Fixed6.625%6.740%
FourLeaf Federal Credit UnionHELOC (variable)6.750%6.750%
Rocket Mortgage30-Year Fixed6.750%7.014%
loanDepotMortgageGet a quote →
West Capital LendingMortgageGet a quote →

Rates as published by each lender as of 2026-08-14, refreshed daily from each lender's public rate page. Not an offer or a commitment to lend; your rate depends on your loan, credit, and property. NMLS 1592292.

About these numbers

Current figures are the highest published APYs in RateZip's tracked banking tables, refreshed hourly; each carries the timestamp of its snapshot. The pre-2026 history is reconstructed from exact rate-change dates for eight nationally marketed online banks (Bask Bank, Capital One, CIT Bank, EverBank, Forbright Bank, Marcus by Goldman Sachs, NexBank, Synchrony Bank), so it reflects the top of the online-bank market, not every institution in the country. The mortgage lines are the Freddie Mac Primary Mortgage Market Survey weekly national averages for the 30- and 15-year fixed - a market benchmark, not any single lender's quote; your rate depends on your credit, down payment and loan. Full provenance on the methodology page.

Citing these figures? Quote the APY with its as-of date and attribute to "RateZip Rate Index" with a link to this page. Rates are published national offers - availability can depend on state and balance.

Bank histories & reviews

The banks in these tables have histories - acquisitions, renames, spinoffs. RateZip's lender reviews track where the old names went.

From RateZip's rate tracking: two national lenders quoted the same 30-year fixed a full percentage point apart on the same day, roughly $260 a month and about $93,000 over the life of a $400,000 loan.