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 127 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 |
|---|---|---|
| Suncoast Credit Union | 4.50% | Not enough history |
| Newtek Bank | 4.20% | Not enough history |
| PiBank | 4.10% | Not enough history |
| Mitten | 4.01% | Not enough history |
| Peak Bank | 4.01% | Not enough history |
| Vio Bank | 4.01% | Not enough history |
| Accordia | 4.00% | Not enough history |
| EagleBank | 4.00% | Not enough history |
| First National Bank of America | 4.00% | Not enough history |
| Goldwater Bank | 4.00% | Not enough history |
127 tracked institutions with not enough history to score
- 5Star Bank — 114 day(s) of observed history
- Accordia — 26 day(s) of observed history
- Alliant Credit Union — 32 day(s) of observed history
- Ally — 115 day(s) of observed history
- Alto Bank — 114 day(s) of observed history
- America First FCU — 114 day(s) of observed history
- American Express — 52 day(s) of observed history
- Apple Bank — 50 day(s) of observed history
- Applied Bank — 114 day(s) of observed history
- Axos Bank — 114 day(s) of observed history
- Banesco USA — 114 day(s) of observed history
- Bank of America — 114 day(s) of observed history
- Bank of Hope — 114 day(s) of observed history
- Bank5 Connect — 114 day(s) of observed history
- BankPurely — 114 day(s) of observed history
- BankUnited — 114 day(s) of observed history
- Barclays — 114 day(s) of observed history
- Bask Bank — 114 day(s) of observed history
- BECU — 114 day(s) of observed history
- Betterment — 27 day(s) of observed history
- BMO — 85 day(s) of observed history
- Bread Savings — 114 day(s) of observed history
- BrioDirect — 114 day(s) of observed history
- Capital One — 114 day(s) of observed history
- Cash App — 114 day(s) of observed history
- Charles Schwab — 114 day(s) of observed history
- Chase — 114 day(s) of observed history
- Chime — 114 day(s) of observed history
- CIBC Bank USA — 114 day(s) of observed history
- CIT Bank — 114 day(s) of observed history
- Citi — 35 day(s) of observed history
- Citibank — 114 day(s) of observed history
- Citizens — 85 day(s) of observed history
- Citizens Access — 114 day(s) of observed history
- Citizens Trust Bank — 114 day(s) of observed history
- Colorado Federal Savings Bank — 114 day(s) of observed history
- Connexus Credit Union — 114 day(s) of observed history
- Cross River Bank — 114 day(s) of observed history
- Customers Bank — 114 day(s) of observed history
- Discover — 12 day(s) of observed history
- DollarSavingsDirect — 114 day(s) of observed history
- EagleBank — 114 day(s) of observed history
- East West Bank — 42 day(s) of observed history
- Emigrant Bank — 114 day(s) of observed history
- Emigrant Direct — 114 day(s) of observed history
- E*TRADE — 114 day(s) of observed history
- EverBank — 114 day(s) of observed history
- Fifth Third Bank — 85 day(s) of observed history
- First Citizens Bank — 42 day(s) of observed history
- First Horizon Bank — 50 day(s) of observed history
- First Internet Bank of Indiana — 114 day(s) of observed history
- First National Bank of America — 114 day(s) of observed history
- Flagstar Bank — 42 day(s) of observed history
- FNBO Direct — 114 day(s) of observed history
- Forbright Bank — 114 day(s) of observed history
- FourLeaf Federal Credit Union — 114 day(s) of observed history
- Goldwater Bank — 114 day(s) of observed history
- GTE Financial — 114 day(s) of observed history
- HSBC Bank — 50 day(s) of observed history
- Huntington Bank — 85 day(s) of observed history
- iGObanking — 114 day(s) of observed history
- KeyBank — 85 day(s) of observed history
- Langley FCU — 114 day(s) of observed history
- LendingClub — 114 day(s) of observed history
- Limelight Bank — 114 day(s) of observed history
- Live Oak Bank — 114 day(s) of observed history
- Lone Star Bank — 114 day(s) of observed history
- Luana Savings Bank — 114 day(s) of observed history
- Marcus by Goldman Sachs — 114 day(s) of observed history
- Mitten — 26 day(s) of observed history
- Mountain America Credit Union — 114 day(s) of observed history
- M&T Bank — 85 day(s) of observed history
- MySavingsDirect — 114 day(s) of observed history
- Navy Federal CU — 114 day(s) of observed history
- NBKC Bank — 27 day(s) of observed history
- Newtek Bank — 114 day(s) of observed history
- North American Savings Bank — 114 day(s) of observed history
- Northpointe Bank — 114 day(s) of observed history
- Old National Bank — 42 day(s) of observed history
- Openbank — 114 day(s) of observed history
- Patelco Credit Union — 114 day(s) of observed history
- Peak Bank — 32 day(s) of observed history
- PenFed Credit Union — 114 day(s) of observed history
- PiBank — 114 day(s) of observed history
- PNC Bank — 85 day(s) of observed history
- PNC Bank — 35 day(s) of observed history
- Poppy Bank — 114 day(s) of observed history
- Popular Direct — 114 day(s) of observed history
- Presidential Bank — 114 day(s) of observed history
- Prime Alliance Bank — 114 day(s) of observed history
- Primis Bank — 114 day(s) of observed history
- Provident Bank — 114 day(s) of observed history
- Quontic Bank — 114 day(s) of observed history
- Quorum Federal Credit Union — 114 day(s) of observed history
- Regions Bank — 85 day(s) of observed history
- Ridgewood Savings Bank — 114 day(s) of observed history
- Rising Bank — 114 day(s) of observed history
- Robinhood — 86 day(s) of observed history
- Salem Five Direct — 114 day(s) of observed history
- Sallie Mae Bank — 114 day(s) of observed history
- SoFi — 52 day(s) of observed history
- SouthState Bank — 12 day(s) of observed history
- State Employees' Credit Union — 114 day(s) of observed history
- Suncoast Credit Union — 114 day(s) of observed history
- Synchrony — 114 day(s) of observed history
- TAB Bank — 114 day(s) of observed history
- TD Bank — 114 day(s) of observed history
- Texas Capital — 27 day(s) of observed history
- Third Federal Savings and Loan — 114 day(s) of observed history
- Truist — 85 day(s) of observed history
- UFB Direct — 114 day(s) of observed history
- USAA — 114 day(s) of observed history
- U.S. Bank — 85 day(s) of observed history
- Valley National Bank — 32 day(s) of observed history
- Valley Direct — 114 day(s) of observed history
- Varo Bank — 114 day(s) of observed history
- Vio Bank — 114 day(s) of observed history
- Washington Savings Bank — 26 day(s) of observed history
- Wealthfront — 52 day(s) of observed history
- WebBank — 114 day(s) of observed history
- Webster Bank — 114 day(s) of observed history
- Wells Fargo — 114 day(s) of observed history
- Western Alliance Bank — 114 day(s) of observed history
- Western State Bank — 45 day(s) of observed history
- Wintrust Bank — 12 day(s) of observed history
- Zions Bank — 113 day(s) of observed history
- Zynlo Bank — 114 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 |
|---|
127 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
- 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.