Savings benchmark archive
Savings Rate History
Track how the best high-yield savings APY has moved against the national average, then turn the spread into dollars for your cash balance.
Top savings APY
4.40%
Nov 2026
National average
0.38%
FDIC benchmark
Current spread
4.02 pts
1,005 / yr on $25,000
Top high-yield savings APY
Composite snapshots come from the SwitchWize live-rate pipeline. This archive shows the category-leading APY over time, not a single bank's account history.
Savings spread history
Top APY minus national average
Archive high 4.02 pts
Recent savings benchmark data
Top APY is the SwitchWize category-leading composite. National average is the FDIC savings benchmark captured by the live-rate pipeline.
| Date | Top APY | National avg | Spread |
|---|---|---|---|
| Nov 2026 | 4.40% | 0.38% | 4.02 pts |
| Nov 2026 | 4.40% | 0.38% | 4.02 pts |
| Nov 2026 | 4.40% | 0.38% | 4.02 pts |
| Nov 2026 | 4.40% | 0.38% | 4.02 pts |
| Nov 2026 | 4.40% | 0.38% | 4.02 pts |
| Oct 2026 | 4.40% | 0.38% | 4.02 pts |
| Oct 2026 | 4.40% | 0.38% | 4.02 pts |
| Oct 2026 | 4.40% | 0.38% | 4.02 pts |
| Oct 2026 | 4.40% | 0.38% | 4.02 pts |
| Oct 2026 | 4.40% | 0.38% | 4.02 pts |
| Oct 2026 | 4.40% | 0.38% | 4.02 pts |
| Oct 2026 | 4.40% | 0.38% | 4.02 pts |
| Oct 2026 | 4.40% | 0.38% | 4.02 pts |
| Oct 2026 | 4.40% | 0.38% | 4.02 pts |
| Oct 2026 | 4.27% | 0.38% | 3.89 pts |
| Oct 2026 | 4.27% | 0.38% | 3.89 pts |
| Oct 2026 | 4.27% | 0.38% | 3.89 pts |
| Oct 2026 | 4.27% | 0.38% | 3.89 pts |
| Oct 2026 | 4.27% | 0.37% | 3.90 pts |
| Oct 2026 | 4.27% | 0.38% | 3.89 pts |
| Oct 2026 | 4.27% | 0.37% | 3.90 pts |
| Oct 2026 | 4.27% | 0.37% | 3.90 pts |
| Oct 2026 | 4.27% | 0.38% | 3.89 pts |
| Oct 2026 | 4.27% | 0.37% | 3.90 pts |
| Oct 2026 | 4.27% | 0.38% | 3.89 pts |
| Oct 2026 | 4.27% | 0.37% | 3.90 pts |
| Oct 2026 | 4.27% | 0.37% | 3.90 pts |
| Oct 2026 | 4.27% | 0.38% | 3.89 pts |
| Oct 2026 | 4.27% | 0.37% | 3.90 pts |
| Oct 2026 | 4.27% | 0.38% | 3.89 pts |
| Oct 2026 | 4.27% | 0.37% | 3.90 pts |
| Oct 2026 | 4.27% | 0.37% | 3.90 pts |
| Oct 2026 | 4.27% | 0.38% | 3.89 pts |
| Oct 2026 | 4.27% | 0.38% | 3.89 pts |
| Oct 2026 | 4.27% | 0.38% | 3.89 pts |
| Oct 2026 | 4.25% | 0.37% | 3.88 pts |