Yield Durability Score
A savings account's advertised APY tells you what a bank pays today. The Yield Durability Score rates how well that institution tends to hold the rate it advertises, based on its own observed history of rate cuts, quiet drift between Fed decisions, and promotional-rate expirations. Expected Realized Yield turns that into a 12-month, dollarized projection on a $25,000 balance, under a base-case scenario of no further Fed moves.
How this is calculated, including why 126 tracked institutions are shown but not scored.
After the September 2026 Fed hike: which banks raised their savings rate, and by how much.
Ranked by Yield Durability Score
| Institution | Durability Score | Confidence | Expected Realized Yield (12mo, $25k) | Current APY basis |
|---|
Compare against a headline-APY-only ordering below — the reordering between the two is itself the point: a higher rate today is not always a higher expected yield over a year.
Ranked by headline APY (for comparison)
| Institution | Current APY | Durability Score |
|---|---|---|
| PiBank | 4.40% | Not enough history |
| CIT Bank | 4.35% | Not enough history |
| Openbank | 4.35% | Not enough history |
| Peak Bank | 4.27% | Not enough history |
| Barclays | 4.25% | Not enough history |
| Patelco Credit Union | 4.25% | Not enough history |
| Poppy Bank | 4.25% | Not enough history |
| EverBank | 4.20% | Not enough history |
| First National Bank of America | 4.20% | Not enough history |
| Newtek Bank | 4.20% | Not enough history |
126 tracked institutions with not enough history to score
- 5Star Bank — 98 day(s) of observed history
- Accordia — 71 day(s) of observed history
- Alliant Credit Union — 77 day(s) of observed history
- Ally — 99 day(s) of observed history
- Alto Bank — 98 day(s) of observed history
- America First FCU — 98 day(s) of observed history
- American Express — 97 day(s) of observed history
- Apple Bank — 95 day(s) of observed history
- Applied Bank — 98 day(s) of observed history
- Axos Bank — 98 day(s) of observed history
- Banesco USA — 98 day(s) of observed history
- Bank of America — 98 day(s) of observed history
- Bank of Hope — 98 day(s) of observed history
- Bank5 Connect — 98 day(s) of observed history
- BankPurely — 98 day(s) of observed history
- BankUnited — 98 day(s) of observed history
- Barclays — 98 day(s) of observed history
- Bask Bank — 98 day(s) of observed history
- BECU — 98 day(s) of observed history
- Betterment — 72 day(s) of observed history
- BMO — 80 day(s) of observed history
- Bread Savings — 98 day(s) of observed history
- BrioDirect — 98 day(s) of observed history
- Capital One — 98 day(s) of observed history
- Cash App — 98 day(s) of observed history
- Charles Schwab — 98 day(s) of observed history
- Chase — 98 day(s) of observed history
- Chime — 98 day(s) of observed history
- CIBC Bank USA — 98 day(s) of observed history
- CIT Bank — 98 day(s) of observed history
- Citi — 80 day(s) of observed history
- Citibank — 98 day(s) of observed history
- Citizens — 80 day(s) of observed history
- Citizens Access — 98 day(s) of observed history
- Citizens Trust Bank — 98 day(s) of observed history
- Colorado Federal Savings Bank — 98 day(s) of observed history
- Connexus Credit Union — 98 day(s) of observed history
- Cross River Bank — 98 day(s) of observed history
- Customers Bank — 98 day(s) of observed history
- Discover — 57 day(s) of observed history
- DollarSavingsDirect — 98 day(s) of observed history
- EagleBank — 98 day(s) of observed history
- East West Bank — 87 day(s) of observed history
- Emigrant Bank — 98 day(s) of observed history
- Emigrant Direct — 98 day(s) of observed history
- E*TRADE — 98 day(s) of observed history
- EverBank — 98 day(s) of observed history
- Fifth Third Bank — 80 day(s) of observed history
- First Citizens Bank — 87 day(s) of observed history
- First Horizon Bank — 95 day(s) of observed history
- First Internet Bank of Indiana — 98 day(s) of observed history
- First National Bank of America — 98 day(s) of observed history
- Flagstar Bank — 87 day(s) of observed history
- FNBO Direct — 98 day(s) of observed history
- Forbright Bank — 98 day(s) of observed history
- FourLeaf Federal Credit Union — 98 day(s) of observed history
- Goldwater Bank — 98 day(s) of observed history
- GTE Financial — 98 day(s) of observed history
- HSBC Bank — 95 day(s) of observed history
- Huntington Bank — 80 day(s) of observed history
- iGObanking — 98 day(s) of observed history
- KeyBank — 80 day(s) of observed history
- Langley FCU — 86 day(s) of observed history
- LendingClub — 95 day(s) of observed history
- Limelight Bank — 98 day(s) of observed history
- Live Oak Bank — 98 day(s) of observed history
- Lone Star Bank — 98 day(s) of observed history
- Luana Savings Bank — 98 day(s) of observed history
- Marcus by Goldman Sachs — 99 day(s) of observed history
- Mitten — 71 day(s) of observed history
- Mountain America Credit Union — 98 day(s) of observed history
- M&T Bank — 80 day(s) of observed history
- MySavingsDirect — 98 day(s) of observed history
- Navy Federal CU — 87 day(s) of observed history
- NBKC Bank — 72 day(s) of observed history
- Newtek Bank — 98 day(s) of observed history
- North American Savings Bank — 98 day(s) of observed history
- Northpointe Bank — 98 day(s) of observed history
- Old National Bank — 87 day(s) of observed history
- Openbank — 98 day(s) of observed history
- Patelco Credit Union — 98 day(s) of observed history
- Peak Bank — 77 day(s) of observed history
- PenFed Credit Union — 98 day(s) of observed history
- PiBank — 98 day(s) of observed history
- PNC Bank — 80 day(s) of observed history
- Poppy Bank — 86 day(s) of observed history
- Popular Direct — 98 day(s) of observed history
- Presidential Bank — 98 day(s) of observed history
- Prime Alliance Bank — 98 day(s) of observed history
- Primis Bank — 98 day(s) of observed history
- Provident Bank — 98 day(s) of observed history
- Quontic Bank — 98 day(s) of observed history
- Quorum Federal Credit Union — 98 day(s) of observed history
- Regions Bank — 80 day(s) of observed history
- Ridgewood Savings Bank — 98 day(s) of observed history
- Rising Bank — 98 day(s) of observed history
- Robinhood — 45 day(s) of observed history
- Salem Five Direct — 98 day(s) of observed history
- Sallie Mae Bank — 98 day(s) of observed history
- SoFi — 97 day(s) of observed history
- SouthState Bank — 57 day(s) of observed history
- State Employees' Credit Union — 98 day(s) of observed history
- Suncoast Credit Union — 98 day(s) of observed history
- Synchrony — 98 day(s) of observed history
- TAB Bank — 98 day(s) of observed history
- TD Bank — 98 day(s) of observed history
- Texas Capital — 72 day(s) of observed history
- Third Federal Savings and Loan — 98 day(s) of observed history
- Truist — 80 day(s) of observed history
- UFB Direct — 98 day(s) of observed history
- USAA — 98 day(s) of observed history
- U.S. Bank — 80 day(s) of observed history
- Valley National Bank — 77 day(s) of observed history
- Valley Direct — 98 day(s) of observed history
- Varo Bank — 98 day(s) of observed history
- Vio Bank — 98 day(s) of observed history
- Washington Savings Bank — 71 day(s) of observed history
- Wealthfront — 97 day(s) of observed history
- WebBank — 98 day(s) of observed history
- Webster Bank — 98 day(s) of observed history
- Wells Fargo — 98 day(s) of observed history
- Western Alliance Bank — 98 day(s) of observed history
- Western State Bank — 90 day(s) of observed history
- Wintrust Bank — 57 day(s) of observed history
- Zions Bank — 98 day(s) of observed history
- Zynlo Bank — 96 day(s) of observed history
How this is built: Rate-Cut Speed detail
The Durability Score's cut-resilience component is built on this same underlying measurement: how many days each institution takes to cut after a Fed rate cut, and how much of the cut it actually passes through, across 1 observed cut cycles.
Slowest to cut
| Institution | Median days to cut | Cycles observed |
|---|
Highest pass-through
| Institution | 90-day pass-through | Cycles observed |
|---|
126 tracked institutions with insufficient history (fewer than 2 observed cut cycles)
- 5Star Bank — 0 cycle(s) observed
- Accordia — 0 cycle(s) observed
- Alliant Credit Union — 0 cycle(s) observed
- Ally — 0 cycle(s) observed
- Alto Bank — 0 cycle(s) observed
- America First FCU — 0 cycle(s) observed
- American Express — 0 cycle(s) observed
- Apple Bank — 0 cycle(s) observed
- Applied Bank — 0 cycle(s) observed
- Axos Bank — 0 cycle(s) observed
- Banesco USA — 0 cycle(s) observed
- Bank of America — 0 cycle(s) observed
- Bank of Hope — 0 cycle(s) observed
- Bank5 Connect — 0 cycle(s) observed
- BankPurely — 0 cycle(s) observed
- BankUnited — 0 cycle(s) observed
- Barclays — 0 cycle(s) observed
- Bask Bank — 0 cycle(s) observed
- BECU — 0 cycle(s) observed
- Betterment — 0 cycle(s) observed
- BMO — 0 cycle(s) observed
- Bread Savings — 0 cycle(s) observed
- BrioDirect — 0 cycle(s) observed
- Capital One — 0 cycle(s) observed
- Cash App — 0 cycle(s) observed
- Charles Schwab — 0 cycle(s) observed
- Chase — 0 cycle(s) observed
- Chime — 0 cycle(s) observed
- CIBC Bank USA — 0 cycle(s) observed
- CIT Bank — 0 cycle(s) observed
- Citi — 0 cycle(s) observed
- Citibank — 0 cycle(s) observed
- Citizens — 0 cycle(s) observed
- Citizens Access — 0 cycle(s) observed
- Citizens Trust Bank — 0 cycle(s) observed
- Colorado Federal Savings Bank — 0 cycle(s) observed
- Connexus Credit Union — 0 cycle(s) observed
- Cross River Bank — 0 cycle(s) observed
- Customers Bank — 0 cycle(s) observed
- Discover — 0 cycle(s) observed
- DollarSavingsDirect — 0 cycle(s) observed
- EagleBank — 0 cycle(s) observed
- East West Bank — 0 cycle(s) observed
- Emigrant Bank — 0 cycle(s) observed
- Emigrant Direct — 0 cycle(s) observed
- E*TRADE — 0 cycle(s) observed
- EverBank — 0 cycle(s) observed
- Fifth Third Bank — 0 cycle(s) observed
- First Citizens Bank — 0 cycle(s) observed
- First Horizon Bank — 0 cycle(s) observed
- First Internet Bank of Indiana — 0 cycle(s) observed
- First National Bank of America — 0 cycle(s) observed
- Flagstar Bank — 0 cycle(s) observed
- FNBO Direct — 0 cycle(s) observed
- Forbright Bank — 0 cycle(s) observed
- FourLeaf Federal Credit Union — 0 cycle(s) observed
- Goldwater Bank — 0 cycle(s) observed
- GTE Financial — 0 cycle(s) observed
- HSBC Bank — 0 cycle(s) observed
- Huntington Bank — 0 cycle(s) observed
- iGObanking — 0 cycle(s) observed
- KeyBank — 0 cycle(s) observed
- Langley FCU — 0 cycle(s) observed
- LendingClub — 0 cycle(s) observed
- Limelight Bank — 0 cycle(s) observed
- Live Oak Bank — 0 cycle(s) observed
- Lone Star Bank — 0 cycle(s) observed
- Luana Savings Bank — 0 cycle(s) observed
- Marcus by Goldman Sachs — 0 cycle(s) observed
- Mitten — 0 cycle(s) observed
- Mountain America Credit Union — 0 cycle(s) observed
- M&T Bank — 0 cycle(s) observed
- MySavingsDirect — 0 cycle(s) observed
- Navy Federal CU — 0 cycle(s) observed
- NBKC Bank — 0 cycle(s) observed
- Newtek Bank — 0 cycle(s) observed
- North American Savings Bank — 0 cycle(s) observed
- Northpointe Bank — 0 cycle(s) observed
- Old National Bank — 0 cycle(s) observed
- Openbank — 0 cycle(s) observed
- Patelco Credit Union — 0 cycle(s) observed
- Peak Bank — 0 cycle(s) observed
- PenFed Credit Union — 0 cycle(s) observed
- PiBank — 0 cycle(s) observed
- PNC Bank — 0 cycle(s) observed
- Poppy Bank — 0 cycle(s) observed
- Popular Direct — 0 cycle(s) observed
- Presidential Bank — 0 cycle(s) observed
- Prime Alliance Bank — 0 cycle(s) observed
- Primis Bank — 0 cycle(s) observed
- Provident Bank — 0 cycle(s) observed
- Quontic Bank — 0 cycle(s) observed
- Quorum Federal Credit Union — 0 cycle(s) observed
- Regions Bank — 0 cycle(s) observed
- Ridgewood Savings Bank — 0 cycle(s) observed
- Rising Bank — 0 cycle(s) observed
- Robinhood — 0 cycle(s) observed
- Salem Five Direct — 0 cycle(s) observed
- Sallie Mae Bank — 0 cycle(s) observed
- SoFi — 0 cycle(s) observed
- SouthState Bank — 0 cycle(s) observed
- State Employees' Credit Union — 0 cycle(s) observed
- Suncoast Credit Union — 0 cycle(s) observed
- Synchrony — 0 cycle(s) observed
- TAB Bank — 0 cycle(s) observed
- TD Bank — 0 cycle(s) observed
- Texas Capital — 0 cycle(s) observed
- Third Federal Savings and Loan — 0 cycle(s) observed
- Truist — 0 cycle(s) observed
- UFB Direct — 0 cycle(s) observed
- USAA — 0 cycle(s) observed
- U.S. Bank — 0 cycle(s) observed
- Valley National Bank — 0 cycle(s) observed
- Valley Direct — 0 cycle(s) observed
- Varo Bank — 0 cycle(s) observed
- Vio Bank — 0 cycle(s) observed
- Washington Savings Bank — 0 cycle(s) observed
- Wealthfront — 0 cycle(s) observed
- WebBank — 0 cycle(s) observed
- Webster Bank — 0 cycle(s) observed
- Wells Fargo — 0 cycle(s) observed
- Western Alliance Bank — 0 cycle(s) observed
- Western State Bank — 0 cycle(s) observed
- Wintrust Bank — 0 cycle(s) observed
- Zions Bank — 0 cycle(s) observed
- Zynlo Bank — 0 cycle(s) observed
Machine-readable dataset: /data/rate-cut-speed.json.