{"schemaVersion":"1.0","generatedAt":"2026-09-16T03:33:01.807Z","status":"fallback","rates":{"leadingHighYieldSavings":{"value":4.2,"unit":"percent_apy","productType":"bank_deposit","source":"SwitchWize verified product observations","observationDate":"2026-09-16T03:33:01.806Z"},"bankMoneyMarketDeposit":{"value":4.1,"unit":"percent_apy","productType":"bank_deposit","source":"SwitchWize verified product observations","observationDate":"2026-09-16T03:33:01.806Z"},"twelveMonthCd":{"value":4.15,"unit":"percent_apy","productType":"bank_cd","source":"SwitchWize term-specific product observations","observationDate":"2026-09-16T03:33:01.806Z"},"twoYearTreasury":{"value":4.05,"unit":"percent_yield","productType":"treasury_security","source":"FRED DGS2 value stored in a SwitchWize rate snapshot","sourceUrl":"https://fred.stlouisfed.org/series/DGS2","observationDate":null,"snapshotRetrievedAt":"2026-09-16T03:33:01.806Z"},"governmentMoneyMarketFundMedian":{"value":null,"lastVerifiedValue":3.55,"unit":"percent_7_day_yield","productType":"government_money_market_fund","source":"SwitchWize Brokerage Cash Sweep Index","observationDate":"2026-09-07T22:12:54.183692+00:00","status":"stale","firmsIncluded":4}},"unavailable":[{"productType":"government_money_market_fund","reason":"The latest verified fund-specific dataset is older than 48 hours."}],"disclaimer":"Observed rates are not forecasts. Verify current rates, terms, tax treatment and availability before acting."}