High-yield savings data methodology

This page describes the release rules for SwitchWize's approved high-yield savings dataset. It does not imply that a current release exists.

Check current category status

Required evidence and freshness

A current release uses evidence no older than 24 hours at publication. Every displayed metric and required term has its own source receipt.

• A current release needs editor approval, a source receipt for every displayed metric and required term, and no unresolved exclusions.
• Current releases require official or government evidence. An aggregator observation alone cannot approve a current rate.
• Missing, conflicting, future-dated, or stale evidence excludes a record from a current release.
• Rates and terms may change after the evidence time; check the issuer before applying.

Product qualification

Only eligible deposit accounts, credit-union shares, or cash swept to insured banks for all eligible balances qualify. Brokerage-held cash is excluded.

Fields we require

Metric convention: headline_apy.

• minimum_balance_usd
• minimum_balance_requirement
• monthly_fee_usd
• insurance_agency
• account_structure
• apy_qualification

Ordering

Current approved records are ordered by headline APY descending, then stable record ID. Fees and any stated fee conditions, the exact balance-to-earn rule, APY qualifications, and account protection remain visible beside the rate. A numeric minimum is null when the issuer states only a variable interest-posting threshold.

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