Last Updated: February 2026 -- 18 min read
Best Compound Interest Rates in 2026: Where to Find the Highest Returns
The interest rate your money earns is one of the most important variables in the compound interest equation. Even a small difference -- say 4.50% APY versus 0.50% APY -- can mean tens of thousands of dollars over a decade on a modest deposit. This guide compares compound interest rates across every major account type, explains what drives those rates up or down, and provides concrete strategies for locking in the best returns available today. Whether you are building an emergency fund in a high-yield savings account or laddering certificates of deposit, the information below will help you make informed decisions.
- Online banks consistently offer 8-12x higher rates than national brick-and-mortar averages because they carry lower overhead costs
- The federal funds rate is the primary driver of savings, CD, and money market rates -- when the Fed raises rates, deposit yields follow
- APY, not APR, is the true comparison metric because it accounts for compounding frequency (see our APY vs APR guide)
- FDIC and NCUA insurance protects up to $250,000 per depositor per institution, so chasing higher rates at insured banks carries no credit risk
- Rate-and-risk are correlated: accounts offering the highest compound interest rates generally require you to lock up funds longer or accept more volatility
- Use our compound interest calculator to model exactly how much more you will earn at different rates and time horizons
1. What Determines Compound Interest Rates
Before comparing specific accounts, it helps to understand why interest rates are where they are. Four primary forces determine the compound interest rate a bank or financial institution offers you.
The Federal Funds Rate
The Federal Reserve's federal funds rate is the benchmark that most consumer interest rates follow. When the Fed raises this rate, banks can charge more for loans, and in turn they pass some of that yield along to depositors through higher savings and CD rates. When the Fed cuts rates, deposit yields decline. As of early 2026, the target range sits between 4.25% and 4.50%, which continues to support relatively attractive savings rates compared to the near-zero environment of 2020-2021.
Bank Competition and Overhead
Banks need deposits to fund their lending operations. Online-only banks, which do not maintain expensive branch networks, can afford to pay depositors more. This is why high-yield savings accounts at online banks routinely offer rates 10 to 15 times higher than the national average at traditional banks. Credit unions, which operate as member-owned nonprofits, also tend to offer slightly better rates than for-profit banks of comparable size.
Inflation
Real return -- your interest rate minus inflation -- is what ultimately matters for purchasing power. A 5.00% APY sounds excellent, but if inflation runs at 3.5%, your real return is only 1.5%. The Fed adjusts monetary policy in response to inflation, which is why periods of high inflation tend to coincide with higher nominal interest rates. Treasury I-Bonds are one of the few products that directly adjust their rate based on the Consumer Price Index, making them a useful inflation hedge.
Risk and Liquidity
In general, you earn a higher rate when you accept more risk or less liquidity. A 5-year CD pays more than a 6-month CD because you are locking up your money longer. A corporate bond fund pays more than a Treasury fund because corporations carry default risk. Understanding this tradeoff is essential when deciding where to park your cash for the best compound growth.
2. Current Rate Environment Overview (February 2026)
Understanding where we stand in the interest rate cycle is essential for making smart decisions about where to put your money. The current rate environment offers savers some of the best opportunities in nearly two decades, though rates have moderated slightly from their 2023-2024 peaks.
Where Rates Stand Today
The Federal Reserve began its most aggressive tightening cycle in decades in March 2022, raising the federal funds rate from near zero to a peak of 5.25%-5.50% by mid-2023. This pushed high-yield savings account rates above 5% APY for the first time since 2007. As of February 2026, the Fed has implemented modest rate cuts, bringing the target range to 4.25%-4.50%. Despite these reductions, deposit rates remain historically attractive -- the best high-yield savings accounts still offer 4.50% to 5.00% APY, roughly 10 times the national average at traditional banks.
Rate Outlook for 2026
According to projections from the Federal Reserve and major financial institutions, rates are expected to remain relatively stable through 2026, with the possibility of one or two additional modest cuts depending on inflation and economic conditions. This creates a favorable environment for savers who want to lock in rates through certificates of deposit while maintaining liquidity in high-yield savings for emergency funds. The Bankrate weekly survey shows the spread between online banks and traditional banks remains wide, meaning savvy savers continue to benefit significantly from shopping around.
What This Means for Your Strategy
In the current environment, a balanced approach works well. Consider keeping 3-6 months of expenses in a high-yield savings account for immediate liquidity while using CD ladders to lock in current rates for longer-term savings goals. With rates potentially declining further, now is a reasonable time to secure 12-month or 24-month CDs at current rates. Use our compound interest calculator to model different scenarios based on various rate assumptions.
3. Best Compound Interest Rates by Account Type
The table below summarizes current typical APY ranges across the most common compound-interest-bearing accounts. These rates reflect the competitive landscape as of early 2026 and can change as the Fed adjusts policy. Always verify current rates before opening an account.
| Account Type | Typical APY Range | Compounding | FDIC/NCUA Insured | Liquidity |
|---|---|---|---|---|
| High-Yield Savings | 4.00% - 5.00% | Daily | Yes (up to $250K) | Immediate |
| Certificates of Deposit (CDs) | 4.00% - 5.25% | Daily or Monthly | Yes (up to $250K) | Locked (3 mo - 5 yr) |
| Money Market Accounts | 3.75% - 4.75% | Daily | Yes (up to $250K) | Limited checks/debit |
| Treasury Bills (T-Bills) | 4.00% - 4.60% | Discount (at maturity) | Backed by U.S. Gov't | 4 - 52 weeks |
| Series I Savings Bonds | 3.11% (current composite) | Semi-annual | Backed by U.S. Gov't | 1-year lockup, 5-yr for full value |
| Traditional Savings (Nat'l Avg) | 0.45% - 0.65% | Daily or Monthly | Yes (up to $250K) | Immediate |
Source: FDIC National Rates and Rate Caps. Rates are representative ranges and may vary by institution.
High-Yield Savings Accounts
High-yield savings accounts are the easiest way to earn a competitive compound interest rate with full liquidity. The best accounts in early 2026 offer APYs between 4.00% and 5.00%, with daily compounding and no minimum balance requirements. Because these accounts are FDIC-insured, there is zero credit risk on balances up to $250,000. They are ideal for emergency funds and short-term savings goals where you need instant access to your money.
Certificates of Deposit
CDs typically offer the highest insured rates available because you agree to leave your money untouched for a fixed term. Penalties for early withdrawal usually range from 3 to 12 months of interest, so CDs work best for money you are confident you will not need. For a deeper analysis of CD compounding mechanics, see our CD compound interest guide. Short-term CDs (3-6 months) sometimes offer promotional rates that beat even the best savings accounts.
Money Market Accounts
Money market accounts blend features of savings and checking accounts. They offer competitive compound interest rates -- typically slightly below the best high-yield savings accounts -- along with check-writing privileges and debit card access. They are a practical choice for savers who want high yields but also need occasional transactional access.
Treasury Securities and I-Bonds
U.S. Treasury securities are backed by the full faith and credit of the United States government, making them the safest fixed-income instruments available. T-Bills are sold at a discount and mature at face value, while I-Bonds adjust their rate semi-annually based on inflation. I-Bonds are particularly valuable during inflationary periods, though purchases are limited to $10,000 per person per calendar year through TreasuryDirect.
4. High-Yield Savings Accounts: The Foundation of Smart Saving
For most savers, a high-yield savings account should be the starting point for any compound interest strategy. These accounts combine competitive rates, complete liquidity, and federal insurance -- a combination that makes them ideal for emergency funds, short-term goals, and any money you might need access to quickly.
Why High-Yield Savings Accounts Excel
The primary advantage of high-yield savings accounts is that they offer the best of both worlds: rates competitive with CDs (and sometimes exceeding short-term CD rates) without any lockup period or early withdrawal penalties. In the current rate environment, the top high-yield savings accounts pay 4.50% to 5.00% APY with daily compounding. For a detailed breakdown of how savings account interest works, including compounding mechanics and tax implications, see our dedicated guide.
What to Look for in a High-Yield Savings Account
When comparing high-yield savings accounts, focus on these factors beyond just the APY:
- No minimum balance requirements: The best accounts let you earn the full APY regardless of your balance
- No monthly maintenance fees: Fees erode your compound interest gains
- Daily compounding: Most high-yield accounts compound daily, but verify this
- FDIC or NCUA insurance: Essential for protecting your deposits up to $250,000
- Easy transfers: Look for fast ACH transfers and ideally instant transfers to linked accounts
- Mobile app quality: A good app makes managing your savings convenient
Top High-Yield Savings Providers
While specific rates change frequently, certain banks consistently rank among the highest-paying options. According to NerdWallet and other comparison sites, online banks like Marcus by Goldman Sachs, Ally Bank, Discover, American Express, and Synchrony regularly offer top-tier rates. Credit unions like Alliant and Navy Federal also compete effectively on rates while offering membership benefits. Always check current rates at Bankrate or the FDIC before opening an account, as promotional rates and competitive positioning change monthly.
5. CD Rates and Laddering Strategies
Certificates of deposit offer a powerful tool for locking in rates and maximizing compound interest over specific time horizons. While CDs sacrifice liquidity compared to savings accounts, they provide rate certainty and often slightly higher yields, especially for longer terms. Understanding CD compound interest mechanics can help you optimize your CD strategy.
Current CD Rate Landscape
As of February 2026, CD rates vary significantly by term length and institution. The following table shows typical ranges across different CD terms:
| CD Term | National Average APY | Top Online Bank APY | Best Use Case |
|---|---|---|---|
| 3 Month | 1.75% | 4.50% - 5.00% | Short-term parking, rate uncertainty |
| 6 Month | 1.95% | 4.60% - 5.10% | Bridge savings, expected expenses |
| 12 Month | 2.15% | 4.50% - 5.00% | Annual goals, CD ladder anchor |
| 18 Month | 2.00% | 4.40% - 4.85% | Medium-term savings, balance of rate and access |
| 24 Month | 1.90% | 4.25% - 4.75% | Known future expenses, rate lock |
| 36 Month | 1.75% | 4.00% - 4.50% | Long-term rate protection |
| 60 Month | 1.60% | 4.00% - 4.40% | Maximum rate certainty |
Source: FDIC national averages and industry surveys. Top rates represent competitive online offerings as of February 2026.
Building a CD Ladder
A CD ladder is a strategy that divides your deposit across multiple CDs with staggered maturity dates. For example, with $25,000 to invest, you might open five CDs of $5,000 each with 1-year, 2-year, 3-year, 4-year, and 5-year terms. Each year when a CD matures, you reinvest it into a new 5-year CD at the current rate. This approach provides several benefits:
- Regular liquidity: You always have a CD maturing within 12 months
- Rate averaging: You capture rates across the yield curve rather than betting on one point
- Flexibility: As each CD matures, you can adjust your strategy based on current rates
- Higher average yields: Longer-term CDs in your ladder boost overall returns
When CDs Make Sense Over Savings Accounts
Consider prioritizing CDs when: you have money you definitely will not need for a specific period; rates are high and expected to decline; you want to lock in a guaranteed return for planning purposes; or you want to reduce the temptation to spend savings. Keep your emergency fund in a liquid savings account and use CDs for money earmarked for specific future goals like a down payment, major purchase, or future investment.
6. Online Banks vs Traditional Banks: A Rate Comparison
The difference in compound interest rates between online banks and traditional brick-and-mortar institutions remains one of the most significant arbitrage opportunities available to savers. Understanding why this gap exists -- and how to take advantage of it -- can add thousands of dollars to your savings over time.
The Rate Gap Explained
Traditional banks like Chase, Bank of America, and Wells Fargo maintain extensive branch networks, each of which carries significant overhead: real estate, utilities, staffing, security, and maintenance. These costs are reflected in lower deposit rates paid to customers. Online banks, by contrast, operate primarily through digital channels, allowing them to redirect those savings into higher APYs. The table below illustrates this gap across account types:
| Account Type | Major Traditional Banks | Online Banks/Credit Unions | Rate Advantage |
|---|---|---|---|
| Savings Account | 0.01% - 0.10% | 4.50% - 5.00% | +4.40% to +4.99% |
| Money Market | 0.01% - 0.25% | 4.25% - 4.75% | +4.00% to +4.74% |
| 1-Year CD | 0.50% - 2.00% | 4.50% - 5.00% | +2.50% to +4.50% |
| 3-Year CD | 0.75% - 2.25% | 4.00% - 4.50% | +1.75% to +3.75% |
| 5-Year CD | 1.00% - 2.50% | 4.00% - 4.40% | +1.50% to +3.40% |
Rates are approximate ranges as of February 2026. Always verify current rates before opening accounts.
Dollar Impact Over Time
To understand the real-world impact of this rate gap, consider a $30,000 emergency fund. At a traditional bank paying 0.05% APY, that fund earns just $15 annually. At an online bank paying 4.75% APY, the same deposit earns $1,425 annually -- a difference of $1,410 per year for zero additional risk. Over five years with compound interest, you would earn approximately $7,800 more at the online bank. Use our compound interest calculator to model your specific situation.
Are Online Banks Safe?
This is the most common concern, and the answer is unequivocally yes. Online banks that are FDIC-insured provide exactly the same $250,000 per depositor protection as any traditional bank. The FDIC (Federal Deposit Insurance Corporation) backs deposits at member institutions regardless of whether the bank has physical branches. You can verify any bank's FDIC status using the FDIC's BankFind tool. Similarly, credit union deposits are protected up to $250,000 by the NCUA (National Credit Union Administration). The higher rates at online banks reflect their lower operating costs, not higher risk.
When Traditional Banks Make Sense
Despite the rate advantage of online banks, traditional banks still serve purposes for certain savers. If you frequently need to deposit cash, a brick-and-mortar bank is more convenient. Some people prefer face-to-face interactions for complex transactions or account issues. Many savers use a hybrid approach: a checking account at a local bank for daily transactions and cash deposits, paired with high-yield savings and CDs at online institutions for the bulk of their savings.
7. How to Find the Highest Compound Interest Rates
Knowing which account types offer the best rates is only half the equation. Within each category, rates vary significantly from one institution to the next. The following strategies will help you consistently find and secure the top available rates.
Prioritize Online Banks and Credit Unions
The data consistently shows that online banks and credit unions offer the highest deposit rates. Without the overhead of physical branches -- rent, utilities, staffing -- online banks redirect those savings into higher APYs. The difference is dramatic: as of February 2026, the national average savings rate at traditional banks hovers around 0.50% APY, while leading online banks offer 4.50% to 5.00% APY. On a $25,000 deposit, that difference translates to roughly $1,100 more in annual interest.
Compare APY, Not APR
Always compare accounts using APY (Annual Percentage Yield) rather than the nominal interest rate or APR. APY incorporates the effect of compounding frequency, giving you an apples-to-apples comparison. An account advertising a 4.85% rate with daily compounding actually delivers a slightly higher effective yield than one advertising 4.90% with annual compounding. Our APY vs APR guide breaks down the math in detail.
Use Rate Aggregator Websites
Rather than checking individual bank websites, start with rate comparison tools. The FDIC publishes weekly national rate averages, and the Consumer Financial Protection Bureau provides educational resources to help you evaluate offers. Third-party financial comparison sites like Bankrate and NerdWallet aggregate current rates from hundreds of banks and credit unions, allowing you to sort by APY, minimum deposit, and account features.
Watch for Promotional and Introductory Rates
Some banks offer temporary promotional APYs that are significantly higher than their standard rates. These promotions typically last 6 to 12 months and may require a minimum deposit or direct deposit setup. Promotional rates can be worthwhile, but always check what the rate drops to after the promotion ends. If the post-promotional rate is below average, you may want to move your money when the period expires.
Consider a CD Ladder Strategy
A CD ladder involves splitting your deposit across multiple CDs with staggered maturity dates -- for example, 1-year, 2-year, 3-year, 4-year, and 5-year terms. As each CD matures, you reinvest it into a new 5-year CD at the current rate. This strategy balances higher long-term rates with regular liquidity, ensuring you always have a CD maturing within the next 12 months. It is especially effective in stable or rising rate environments.
8. Rate vs. Risk: Understanding the Tradeoff
Higher returns almost always come with some form of increased risk or reduced flexibility. The table below maps different account types across three dimensions: typical return, risk level, and the primary tradeoff involved.
| Account / Investment | Typical Annual Return | Risk Level | Primary Tradeoff |
|---|---|---|---|
| Traditional Savings | 0.45% - 0.65% | None (FDIC insured) | Very low returns; loses to inflation |
| High-Yield Savings | 4.00% - 5.00% | None (FDIC insured) | Rate can change at any time |
| CDs (1-5 year) | 4.00% - 5.25% | None (FDIC insured) | Early withdrawal penalties; locked rate |
| Treasury I-Bonds | 3.11% (variable) | None (U.S. Gov't backed) | $10K annual limit; 1-year lockup |
| 401(k) / IRA (Bond Funds) | 4.00% - 6.00% | Low to Moderate | Market fluctuation; early withdrawal tax penalties |
| Roth IRA (Stock Index Funds) | 7.00% - 10.00% (historical avg) | Moderate to High | Significant short-term volatility; requires long time horizon |
| Corporate Bond Funds | 5.00% - 7.00% | Moderate | Default risk; interest rate sensitivity |
For pure compound interest on cash -- the kind you can calculate with our compound interest calculator -- FDIC-insured accounts represent the best risk-adjusted option. You earn a guaranteed, predictable return with no possibility of losing principal (up to insurance limits). For longer time horizons of 10 years or more, tax-advantaged retirement accounts invested in diversified index funds have historically delivered substantially higher compound growth, but with meaningful short-term volatility along the way.
9. Historical Rate Trends and What They Mean for Savers
Understanding historical patterns helps you make better decisions about when to lock in rates and when to stay flexible. Rates have varied dramatically over the past several decades, and current levels, while below recent peaks, remain historically favorable.
Savings and CD Rate Trends (2015-2026)
| Year | Federal Funds Rate | Top HY Savings APY | 1-Year CD (Top Rate) | 5-Year CD (Top Rate) |
|---|---|---|---|---|
| 2015 | 0.25% | 1.05% | 1.25% | 2.25% |
| 2017 | 1.25% | 1.50% | 1.75% | 2.50% |
| 2019 | 2.25% | 2.50% | 2.75% | 3.10% |
| 2020 | 0.25% | 1.00% | 1.10% | 1.50% |
| 2021 | 0.25% | 0.55% | 0.65% | 0.90% |
| 2022 | 4.25% | 3.75% | 4.50% | 4.25% |
| 2023 | 5.25% | 5.25% | 5.50% | 4.75% |
| 2024 | 5.00% | 5.35% | 5.30% | 4.50% |
| 2025 | 4.50% | 5.00% | 5.00% | 4.35% |
| 2026 (Feb) | 4.35% | 5.00% | 5.00% | 4.40% |
Sources: Federal Reserve, FDIC, and industry rate surveys. Rates shown are representative of top available offers at each time.
Key Historical Lessons
This historical data reveals several important patterns for savers:
- Rates follow the Fed: Savings and CD rates track the federal funds rate closely, typically with a slight lag
- The near-zero era was an anomaly: The 2020-2021 rates were historically unusual; current rates are much closer to long-term norms
- Rate cycles last years, not months: Both low-rate and high-rate environments tend to persist, giving you time to adjust strategy
- The spread between online and traditional banks persists: This gap has remained relatively constant across rate environments
What to Do in Different Rate Environments
When rates are rising: Favor shorter-term CDs and high-yield savings accounts. Locking into a long-term CD when rates are climbing means missing out on higher future rates. Keep your money liquid so you can capture rate increases as they occur.
When rates are falling: Consider locking in longer-term CDs before rates drop further. A 5-year CD at 4.75% looks increasingly valuable if savings rates fall to 3.00% over the next two years. This is precisely when a CD ladder strategy pays dividends.
When rates are stable: Optimize across account types. Use a high-yield savings account for your emergency fund, build a CD ladder for medium-term goals, and maximize contributions to tax-advantaged retirement accounts like a 401(k) or Roth IRA for long-term compounding.
10. The Impact of Even Small Rate Differences
It is easy to dismiss a half-percent rate difference as trivial, but compound interest amplifies small differences over time. Consider a $50,000 deposit held for 20 years:
| APY | Value After 10 Years | Value After 20 Years | Total Interest Earned (20 yr) |
|---|---|---|---|
| 0.50% | $52,556 | $55,254 | $5,254 |
| 3.00% | $67,196 | $90,306 | $40,306 |
| 4.50% | $77,648 | $120,605 | $70,605 |
| 5.00% | $81,445 | $132,665 | $82,665 |
At 0.50% APY -- the national average at traditional banks -- your $50,000 earns just $5,254 in interest over 20 years. At 5.00% APY, that same deposit generates $82,665 in compound interest. The difference of $77,411 is entirely attributable to choosing a better rate. That is why rate shopping matters, and why understanding daily compounding is worth your time.
Frequently Asked Questions
As of February 2026, the best compound interest rates on FDIC-insured accounts range from approximately 4.50% to 5.25% APY. The highest rates are typically found at online banks and credit unions offering high-yield savings accounts or short-to-medium-term CDs. These rates reflect the current federal funds rate environment and can change as the Federal Reserve adjusts monetary policy.
Yes. High-yield savings accounts at FDIC-insured banks protect up to $250,000 per depositor per institution. This means even if the bank fails, you will not lose your insured deposits. Credit union savings accounts carry equivalent protection through the NCUA (National Credit Union Administration). The higher APY at online banks does not indicate higher risk -- it reflects their lower operating costs. You can verify any bank's insurance status at FDIC.gov.
It depends on your liquidity needs and rate outlook. A high-yield savings account gives you immediate access to your funds while earning a competitive rate, but that rate can change at any time. A CD locks in a fixed rate for the entire term, protecting you from rate declines, but imposes penalties for early withdrawal. If you expect rates to fall, locking in a CD makes sense. If you expect rates to rise or need flexible access, a high-yield savings account is the better choice. Many people use both: a savings account for emergency funds and CDs for money they can set aside.
At today's interest rates, the difference between daily and monthly compounding is quite small -- usually a few dollars per year on a $10,000 balance. However, as your balance grows and over longer time periods, daily compounding does produce a measurably higher return. More importantly, always compare accounts using APY, which already incorporates compounding frequency. Two accounts with the same APY will produce the same annual return regardless of how often they compound. Learn more in our daily compound interest guide.
In most cases, yes. Interest earned on savings accounts, CDs, and money market accounts is taxed as ordinary income in the year it is earned or credited. Your bank will issue a 1099-INT form for interest exceeding $10. Treasury securities are exempt from state and local taxes but subject to federal tax. Interest earned inside tax-advantaged retirement accounts like a 401(k) or Roth IRA grows tax-deferred or tax-free, which significantly enhances the power of compounding over time.
When the Federal Reserve lowers the federal funds rate, banks typically reduce the APYs on savings accounts, money market accounts, and new CDs within days to weeks. Existing CDs with fixed rates are unaffected -- your locked-in rate remains until maturity. This is one advantage of CDs during a rate-cutting cycle: they preserve your higher rate. High-yield savings account rates, however, will decline. Historically, savings rates follow the federal funds rate directionally, though banks may not pass along the full cut immediately.
A CD ladder is a strategy where you divide your savings across multiple CDs with different maturity dates (for example, 1-year, 2-year, 3-year, 4-year, and 5-year terms). As each CD matures, you reinvest it into a new long-term CD. This gives you regular access to funds (every 12 months a CD matures), higher average yields from longer terms, and protection against rate changes. CD laddering is particularly valuable when you want rate certainty but do not want to sacrifice all liquidity. It works well for savings goals with medium-term horizons of 2-5 years.
For savings and CDs, online banks are often better than traditional banks because they offer significantly higher interest rates -- typically 8 to 12 times higher. They carry the same FDIC insurance protection (up to $250,000 per depositor), so your money is equally safe. The tradeoff is that you cannot deposit cash at a branch or speak to someone in person. Many savers use a hybrid approach: a checking account at a local bank for cash deposits and daily transactions, combined with high-yield savings and CDs at online banks for their savings.
For high-yield savings accounts, check rates quarterly or whenever the Federal Reserve changes its target rate. Banks typically adjust savings rates within days to weeks of Fed actions. For CDs, check rates before each purchase since your rate is locked at the time you open the CD. Websites like Bankrate and NerdWallet make comparing rates easy. If your current bank's rate falls significantly below competitors, consider moving your savings -- just be mindful of any transfer time when your money is not earning interest.
Sometimes, but not always. Some banks offer tiered rates where higher balances earn better APYs, while many of the best high-yield savings accounts pay the same rate regardless of balance. A few banks actually pay lower rates on very large balances. What matters more is choosing the right institution -- the gap between online and traditional banks far exceeds any tiered rate differences. One important consideration: FDIC insurance covers only $250,000 per depositor per institution, so if you have more than that, consider spreading funds across multiple banks for full protection.
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Related Guides
Trusted Resources for Rate Research
These official and authoritative sources can help you research current rates and verify bank safety:
- FDIC (Federal Deposit Insurance Corporation) -- Verify bank insurance status and view national rate averages
- Consumer Financial Protection Bureau (CFPB) -- Educational resources on deposit accounts
- TreasuryDirect -- Purchase Treasury securities and I-Bonds directly
- Bankrate -- Weekly rate surveys and bank comparisons
- NerdWallet -- Rate comparisons and account reviews