Fed rate hike tracker · updated November 8, 2026
53 days after the Fed's hike, 33 of 85 savings accounts have raised their rate
The Federal Reserve raised its target range by 0.25 percentage points on September 16, 2026. 53 days later, 33 of the 85 savings accounts SwitchWize tracks have raised their rate, 52 have not changed it, and 0 have lowered it. The average account has moved up 0.09 points.
The Fed held rates at its most recent meeting (Oct 27-28), so this still measures the September 16, 2026 hike.
A savings rate is not tied to the Fed's rate. Each bank decides whether to pass a move on to you, and many don't. Look up your bank below.
Next Fed decision: Dec 8-9. If the Fed moves rates, this page switches to the new move once we record the decision, normally the same day.
Raised their rate
33
No change yet
52
Lowered their rate
0
Typical share passed on
0%
Savings accounts, bank by bank
| Bank | Before the Fed move | Now | Change |
|---|---|---|---|
| OpenbankAggregator reading | 3.80%Sep 16 | 4.35%Nov 8 | +0.55 pts |
| SynchronyAggregator reading | 3.30%Sep 16 | 3.75%Nov 8 | +0.45 pts |
| TAB BankBank site, read directly | 3.61%Sep 16 | 3.95%Nov 8 | +0.34 pts |
| EagleBankBank site, read directly | 3.70%Sep 16 | 4.00%Nov 8 | +0.30 pts |
| PiBankBank site, read directly | 4.10%Sep 16 | 4.40%Nov 8 | +0.30 pts |
| EverBankBank site, read directly | 3.90%Sep 16 | 4.20%Nov 8 | +0.30 pts |
| Peak BankBank site, read directly | 4.01%Sep 16 | 4.27%Nov 8 | +0.26 pts |
| Axos BankBank site, read directly · reading over 4 days old | 3.75%Sep 7 | 4.01%Nov 1 | +0.26 pts |
| Customers BankBank site, read directly | 3.38%Sep 16 | 3.63%Nov 8 | +0.25 pts |
| Sallie Mae BankBank site, read directly | 3.75%Sep 16 | 4.00%Nov 8 | +0.25 pts |
| WealthfrontBank site, read directly | 3.30%Sep 16 | 3.55%Nov 8 | +0.25 pts |
| BettermentBank site, read directly | 3.25%Sep 16 | 3.50%Nov 8 | +0.25 pts |
| E*TRADEAggregator reading | 3.50%Sep 16 | 3.75%Nov 8 | +0.25 pts |
| CIT BankAggregator reading | 4.10%Sep 16 | 4.35%Nov 8 | +0.25 pts |
| ChimeBank site, read directly · reading over 4 days old | 0.75%Sep 16 | 1.00%Oct 17 | +0.25 pts |
| Zynlo BankBank site, read directly | 3.85%Sep 16 | 4.10%Nov 8 | +0.25 pts |
| CIBC Bank USAAggregator reading | 3.52%Sep 16 | 3.75%Nov 7 | +0.23 pts |
| American ExpressBank site, read directly | 3.00%Sep 16 | 3.20%Nov 8 | +0.20 pts |
| SoFiBank site, read directly | 3.10%Sep 16 | 3.30%Nov 8 | +0.20 pts |
| Texas CapitalBank site, read directly | 3.65%Sep 16 | 3.85%Nov 8 | +0.20 pts |
| AllyBank site, read directly | 3.00%Sep 16 | 3.20%Nov 8 | +0.20 pts |
| Capital OneBank site, read directly | 3.00%Sep 16 | 3.20%Nov 8 | +0.20 pts |
| DiscoverBank site, read directly | 3.00%Sep 16 | 3.20%Nov 8 | +0.20 pts |
| Western State BankBank site, read directly | 4.00%Sep 16 | 4.20%Nov 7 | +0.20 pts |
| Flagstar BankBank site, read directly | 3.20%Sep 16 | 3.40%Nov 8 | +0.20 pts |
| Bask BankBank site, read directly | 3.75%Sep 16 | 3.90%Nov 8 | +0.15 pts |
| Salem Five DirectAggregator reading | 3.51%Sep 16 | 3.66%Nov 8 | +0.15 pts |
| Langley FCUBank site, read directly | 3.60%Sep 16 | 3.75%Nov 8 | +0.15 pts |
| Prime Alliance BankBank site, read directly | 3.75%Sep 16 | 3.90%Nov 8 | +0.15 pts |
| Vio BankBank site, read directly | 3.95%Sep 16 | 4.06%Nov 8 | +0.11 pts |
| Marcus by Goldman SachsBank site, read directly | 3.40%Sep 16 | 3.50%Nov 8 | +0.10 pts |
| Bread SavingsBank site, read directly | 3.95%Sep 16 | 4.05%Nov 8 | +0.10 pts |
| AccordiaAggregator reading | 4.00%Sep 16 | 4.10%Nov 8 | +0.10 pts |
| 5Star BankBank site, read directly | 0.04%Sep 16 | 0.04%Nov 8 | No change |
| Alliant Credit UnionBank site, read directly | 3.01%Sep 16 | 3.01%Nov 8 | No change |
| Alto BankBank site, read directly | 3.00%Sep 16 | 3.00%Nov 7 | No change |
| America First FCUBank site, read directly | 0.05%Sep 16 | 0.05%Nov 8 | No change |
| Apple BankAggregator reading | 3.03%Sep 16 | 3.03%Nov 8 | No change |
| Bank of HopeBank site, read directly · reading over 4 days old | 0.01%Sep 16 | 0.01%Sep 26 | No change |
| Bank5 ConnectBank site, read directly | 1.50%Sep 16 | 1.50%Nov 8 | No change |
| BankPurelyBank site, read directly · reading over 4 days old | 1.50%Sep 16 | 1.50%Sep 18 | No change |
| BankUnitedBank site, read directly | 2.10%Sep 16 | 2.10%Nov 8 | No change |
| BarclaysBank site, read directly · reading over 4 days old | 3.20%Sep 16 | 3.20%Sep 26 | No change |
| BECUBank site, read directly | 0.20%Sep 16 | 0.20%Nov 8 | No change |
| BrioDirectBank site, read directly | 3.75%Sep 16 | 3.75%Nov 8 | No change |
| Cash AppBank site, read directly · reading over 4 days old | 1.50%Sep 16 | 1.50%Oct 1 | No change |
| Citizens AccessAggregator reading | 2.80%Sep 16 | 2.80%Nov 8 | No change |
| Citizens Trust BankBank site, read directly | 0.05%Sep 16 | 0.05%Nov 8 | No change |
| Colorado Federal Savings BankAggregator reading | 3.85%Sep 16 | 3.85%Nov 8 | No change |
| Cross River BankBank site, read directly | 1.75%Sep 16 | 1.75%Nov 8 | No change |
| DollarSavingsDirectBank site, read directly · reading over 4 days old | 3.35%Sep 16 | 3.35%Oct 1 | No change |
| East West BankBank site, read directly | 2.50%Sep 16 | 2.50%Nov 8 | No change |
| Emigrant BankBank site, read directly · reading over 4 days old | 3.00%Sep 16 | 3.00%Sep 26 | No change |
| First Citizens BankBank site, read directly | 0.10%Sep 16 | 0.10%Nov 8 | No change |
| First Horizon BankBank site, read directly | 0.25%Sep 16 | 0.25%Nov 8 | No change |
| FNBO DirectBank site, read directly · reading over 4 days old | 3.00%Sep 16 | 3.00%Oct 1 | No change |
| Forbright BankAggregator reading | 3.85%Sep 16 | 3.85%Nov 8 | No change |
| Goldwater BankBank site, read directly | 4.00%Sep 16 | 4.00%Nov 8 | No change |
| HSBC BankBank site, read directly | 0.10%Sep 16 | 0.10%Nov 8 | No change |
| LendingClubBank site, read directly | 3.00%Sep 16 | 3.00%Nov 8 | No change |
| Live Oak BankBank site, read directly | 4.00%Sep 16 | 4.00%Nov 8 | No change |
| MittenAggregator reading · reading over 4 days old | 4.01%Sep 12 | 4.01%Sep 28 | No change |
| Mountain America Credit UnionBank site, read directly | 0.05%Sep 16 | 0.05%Nov 8 | No change |
| MySavingsDirectBank site, read directly · reading over 4 days old | 3.35%Sep 16 | 3.35%Oct 1 | No change |
| NBKC BankBank site, read directly · reading over 4 days old | 3.00%Sep 16 | 3.00%Sep 26 | No change |
| Newtek BankAggregator reading | 4.20%Sep 16 | 4.20%Nov 8 | No change |
| North American Savings BankBank site, read directly | 3.60%Sep 16 | 3.60%Nov 8 | No change |
| Old National BankBank site, read directly | 3.85%Sep 16 | 3.85%Nov 8 | No change |
| Popular DirectAggregator reading | 3.90%Sep 16 | 3.90%Nov 8 | No change |
| Presidential BankBank site, read directly | 3.25%Sep 16 | 3.25%Nov 8 | No change |
| Quontic BankAggregator reading | 3.20%Sep 16 | 3.20%Nov 8 | No change |
| Quorum Federal Credit UnionBank site, read directly · reading over 4 days old | 3.50%Sep 16 | 3.50%Sep 26 | No change |
| Ridgewood Savings BankBank site, read directly | 3.35%Sep 16 | 3.35%Nov 7 | No change |
| Rising BankBank site, read directly | 3.75%Sep 16 | 3.75%Nov 8 | No change |
| SouthState BankBank site, read directly | 0.15%Sep 16 | 0.15%Nov 8 | No change |
| State Employees' Credit UnionBank site, read directly | 0.25%Sep 16 | 0.25%Nov 8 | No change |
| UFB DirectBank site, read directly | 3.26%Sep 16 | 3.26%Nov 8 | No change |
| Valley DirectBank site, read directly | 0.01%Sep 16 | 0.01%Nov 8 | No change |
| Valley DirectBank site, read directly | 3.30%Sep 16 | 3.30%Nov 8 | No change |
| Varo BankBank site, read directly | 1.00%Sep 16 | 1.00%Nov 4 | No change |
| Washington Savings BankAggregator reading | 0.05%Sep 16 | 0.05%Nov 8 | No change |
| Webster BankBank site, read directly | 0.01%Sep 16 | 0.01%Nov 8 | No change |
| Wells FargoBank site, read directly | 0.01%Sep 16 | 0.01%Nov 8 | No change |
| Western Alliance BankBank site, read directly · reading over 4 days old | 3.80%Sep 16 | 3.80%Oct 1 | No change |
| Wintrust BankBank site, read directly | 2.00%Sep 16 | 2.00%Nov 8 | No change |
Sorted by how much each bank changed its rate. "Before the Fed move" is the bank's last reading on or before September 16, 2026.
1-year CDs, bank by bank
For 1-year CDs, 42 of 76 banks have raised their rate, 34 have not changed it, and the average moved up 0.19 points.
Raised their rate
42
No change yet
34
Lowered their rate
0
Typical share passed on
60%
| Bank | Before the Fed move | Now | Change |
|---|---|---|---|
| TD BankAggregator reading | 3.25%Sep 16 | 4.15%Nov 8 | +0.90 pts |
| KS StateBankAggregator reading | 3.95%Sep 16 | 4.50%Nov 8 | +0.55 pts |
| Zynlo BankAggregator reading | 3.85%Sep 16 | 4.40%Nov 8 | +0.55 pts |
| GTEFinancialAggregator reading | 3.56%Sep 16 | 4.07%Nov 8 | +0.51 pts |
| Vio BankAggregator reading | 3.80%Sep 16 | 4.30%Nov 8 | +0.50 pts |
| AllyAggregator reading | 4.00%Sep 16 | 4.50%Nov 8 | +0.50 pts |
| Quontic BankAggregator reading | 3.50%Sep 16 | 4.00%Nov 8 | +0.50 pts |
| Alto BankAggregator reading | 2.50%Sep 16 | 3.00%Nov 8 | +0.50 pts |
| Marcus by Goldman SachsAggregator reading | 3.90%Sep 16 | 4.40%Nov 8 | +0.50 pts |
| Connexus Credit UnionAggregator reading | 2.25%Sep 16 | 2.75%Nov 8 | +0.50 pts |
| Salem Five DirectAggregator reading | 4.00%Sep 16 | 4.50%Nov 8 | +0.50 pts |
| Rising BankAggregator reading | 4.05%Sep 16 | 4.51%Nov 8 | +0.46 pts |
| First National Bank of AmericaAggregator reading | 4.00%Sep 16 | 4.45%Nov 8 | +0.45 pts |
| Capital OneAggregator reading | 4.00%Sep 16 | 4.45%Nov 8 | +0.45 pts |
| Merrick BankAggregator reading | 4.25%Sep 16 | 4.65%Nov 8 | +0.40 pts |
| E*TRADEAggregator reading | 4.15%Sep 16 | 4.55%Nov 8 | +0.40 pts |
| Sallie Mae BankAggregator reading | 4.20%Sep 16 | 4.60%Nov 8 | +0.40 pts |
| CIBC Bank USAAggregator reading | 4.15%Sep 16 | 4.50%Nov 8 | +0.35 pts |
| Popular DirectAggregator reading | 4.25%Sep 16 | 4.60%Nov 8 | +0.35 pts |
| WebBankAggregator reading | 4.01%Sep 16 | 4.36%Nov 8 | +0.35 pts |
| Live Oak BankAggregator reading | 4.15%Sep 16 | 4.50%Nov 8 | +0.35 pts |
| CFG BankAggregator reading | 4.30%Sep 16 | 4.65%Nov 8 | +0.35 pts |
| EagleBankAggregator reading | 4.45%Sep 16 | 4.80%Nov 8 | +0.35 pts |
| First Internet Bank of IndianaAggregator reading | 3.67%Sep 16 | 4.00%Nov 8 | +0.33 pts |
| Bread SavingsAggregator reading | 4.15%Sep 16 | 4.45%Nov 8 | +0.30 pts |
| Prime Alliance BankAggregator reading | 3.95%Sep 16 | 4.25%Nov 8 | +0.30 pts |
| Third Federal Savings and LoanAggregator reading · reading over 4 days old | 4.25%Sep 16 | 4.50%Nov 3 | +0.25 pts |
| American ExpressAggregator reading | 3.50%Sep 16 | 3.75%Nov 8 | +0.25 pts |
| State Employees' Credit UnionAggregator reading | 3.75%Sep 16 | 4.00%Nov 8 | +0.25 pts |
| BarclaysAggregator reading | 4.25%Sep 16 | 4.50%Nov 8 | +0.25 pts |
| KeyBankAggregator reading | 3.25%Sep 16 | 3.50%Nov 4 | +0.25 pts |
| Bask BankAggregator reading | 4.15%Sep 16 | 4.35%Nov 8 | +0.20 pts |
| AccordiaAggregator reading | 4.20%Sep 16 | 4.40%Nov 8 | +0.20 pts |
| Banesco USAAggregator reading | 3.90%Sep 16 | 4.10%Nov 8 | +0.20 pts |
| SynchronyAggregator reading | 4.10%Sep 16 | 4.30%Nov 8 | +0.20 pts |
| 5Star BankAggregator reading | 2.55%Sep 16 | 2.75%Nov 8 | +0.20 pts |
| Luana Savings BankAggregator reading | 4.04%Sep 16 | 4.19%Nov 8 | +0.15 pts |
| Quorum Federal Credit UnionAggregator reading | 4.35%Sep 16 | 4.50%Nov 8 | +0.15 pts |
| Goldwater BankAggregator reading | 4.00%Sep 16 | 4.15%Nov 8 | +0.15 pts |
| Ridgewood Savings BankAggregator reading | 3.60%Sep 16 | 3.70%Nov 8 | +0.10 pts |
| America First FCUAggregator reading | 3.95%Sep 16 | 4.05%Nov 8 | +0.10 pts |
| Colorado Federal Savings BankAggregator reading | 4.25%Sep 16 | 4.35%Nov 8 | +0.10 pts |
| Apple BankAggregator reading | 3.00%Sep 16 | 3.00%Nov 8 | No change |
| Applied BankAggregator reading | 0.05%Sep 16 | 0.05%Nov 8 | No change |
| Bank of AmericaAggregator reading | 0.03%Sep 16 | 0.03%Nov 8 | No change |
| Bank of HopeAggregator reading | 0.30%Sep 16 | 0.30%Nov 8 | No change |
| Bank5 ConnectAggregator reading | 4.00%Sep 16 | 4.00%Nov 8 | No change |
| BankPurelyAggregator reading · reading over 4 days old | 3.50%Sep 16 | 3.50%Sep 22 | No change |
| BECUAggregator reading | 2.25%Sep 16 | 2.25%Nov 8 | No change |
| ChaseAggregator reading | 0.01%Sep 16 | 0.01%Nov 8 | No change |
| CIT BankAggregator reading | 4.00%Sep 15 | 4.00%Nov 8 | No change |
| CitibankAggregator reading | 4.25%Sep 16 | 4.25%Nov 8 | No change |
| CitizensAggregator reading | 0.03%Sep 16 | 0.03%Nov 8 | No change |
| Citizens AccessAggregator reading | 3.25%Sep 16 | 3.25%Nov 8 | No change |
| Citizens Trust BankAggregator reading | 1.25%Sep 16 | 1.25%Nov 8 | No change |
| Emigrant BankAggregator reading | 1.25%Sep 16 | 1.25%Nov 8 | No change |
| EverBankAggregator reading | 3.50%Sep 16 | 3.50%Nov 8 | No change |
| Forbright BankAggregator reading | 3.65%Sep 16 | 3.65%Nov 8 | No change |
| FourLeaf Federal Credit UnionAggregator reading | 1.25%Sep 16 | 1.25%Nov 8 | No change |
| iGObankingAggregator reading · reading over 4 days old | 0.15%Sep 16 | 0.15%Sep 22 | No change |
| LendingClubAggregator reading | 3.50%Sep 16 | 3.50%Nov 8 | No change |
| Lone Star BankAggregator reading | 2.83%Sep 16 | 2.83%Nov 8 | No change |
| M&T BankAggregator reading | 0.75%Sep 16 | 0.75%Nov 8 | No change |
| NBKC BankAggregator reading | 3.66%Sep 16 | 3.66%Nov 8 | No change |
| Newtek BankAggregator reading | 4.10%Sep 16 | 4.10%Nov 8 | No change |
| Northpointe BankAggregator reading | 3.25%Sep 16 | 3.25%Nov 8 | No change |
| Peak BankAggregator reading | 3.69%Sep 16 | 3.69%Nov 8 | No change |
| Presidential BankAggregator reading | 3.75%Sep 16 | 3.75%Nov 8 | No change |
| Provident BankAggregator reading | 0.75%Sep 16 | 0.75%Nov 8 | No change |
| State Bank of India (California)Aggregator reading | 3.85%Sep 16 | 3.85%Nov 8 | No change |
| TAB BankAggregator reading | 4.05%Sep 16 | 4.05%Nov 8 | No change |
| USAAAggregator reading | 1.80%Sep 16 | 1.80%Nov 8 | No change |
| Valley DirectAggregator reading | 3.50%Sep 3 | 3.50%Nov 8 | No change |
| Washington Savings BankAggregator reading | 2.88%Sep 16 | 2.88%Nov 8 | No change |
| Webster BankAggregator reading | 0.01%Sep 16 | 0.01%Nov 8 | No change |
| Wells FargoAggregator reading | 1.50%Sep 16 | 1.50%Nov 8 | No change |
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How we measure it
- The Fed move. The Fed's rate-setting committee (the FOMC) announced a 0.25-point increase on September 16, 2026, taking the target range to 3.75% to 4.00%. We take it from the Federal Reserve's published target range (FRED series DFEDTARU and DFEDTARL) or, on decision day, from the FOMC statement. A hold is not measured, because it gives banks nothing new to pass on.
- Before and after. "Before" is each bank's rate on its last observed day on or before the announcement, and it must be no more than 14 days old. "Now" is its most recent observed rate. Where a bank lists more than one rate on the same day, we use the highest. For CDs we use the 1-year term only.
- One source per bank. Readings from the bank's own website and from a rate aggregator can differ for the same bank on the same day, so comparing across them would invent rate changes. Each bank is measured from a single source, preferring its own website: 69 of 85 savings accounts here are read from the bank directly. Banks we hide from our best-rate lists because of a known data problem are included only when we can read the bank's own site.
- Share passed on is the change in the bank's rate divided by the Fed's move. 100% means the full move reached savers; a negative share means the bank moved the opposite way.
- Not measured. 18 tracked savings accounts have no reading within 14 days before the announcement and 0 have no reading since, so they are left out rather than guessed. 1 more changed by over 1.00 points, far more than the Fed moved; that usually means our reading switched to a different account at the same bank, so we leave those out until we confirm them. A bank whose latest reading is more than 4 days old is labeled in the table.
- What this does not show. Our daily savings data starts in June 2026, after the Fed's last cut, so we cannot yet compare how fast banks raise rates with how fast they cut them.
Dataset: /data/fed-hike-tracker.json. Related: Fed tracker, Yield Durability Score, SwitchWize methodology.