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
4.20%
Sep 2026
National average
0.38%
FDIC benchmark
Current spread
3.82 pts
955 / 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 |
|---|---|---|---|
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Sep 2026 | 4.20% | 0.38% | 3.82 pts |
| Aug 2026 | 4.20% | 0.38% | 3.82 pts |
| Aug 2026 | 4.20% | 0.38% | 3.82 pts |
| Aug 2026 | 4.20% | 0.38% | 3.82 pts |
| Aug 2026 | 4.20% | 0.38% | 3.82 pts |
| Aug 2026 | 4.20% | 0.38% | 3.82 pts |
| Aug 2026 | 4.20% | 0.38% | 3.82 pts |
| Aug 2026 | 4.20% | 0.38% | 3.82 pts |
| Aug 2026 | 4.20% | 0.38% | 3.82 pts |
| Aug 2026 | 4.20% | 0.38% | 3.82 pts |
| Aug 2026 | 4.20% | 0.38% | 3.82 pts |
| Aug 2026 | 4.20% | 0.38% | 3.82 pts |
| Aug 2026 | 4.20% | 0.38% | 3.82 pts |
| Aug 2026 | 4.20% | 0.38% | 3.82 pts |