# Staying at the national-average savings rate costs $984 a year on $25,000, up $18 from last month

- November 2026 Bank Gap Index: $984 per year on a $25,000 balance (national average 0.38% APY vs top-3 average 4.32% APY).
- Largest local gap among the 4 states with enough data: Ohio, $310 per household per year.
- Coverage: 4 of 51 states and 15 metros published. Areas without enough tracked deposit data are left out, not estimated.
- Source and method: https://www.switchwize.com/bank-gap-index/releases/november-2026

Credit: SwitchWize (switchwize.com). Contact: research@switchwize.com