SwitchWize Research & Data
Proprietary SwitchWize indices and cited personal-finance statistics — each with a source and a retrieval date. The indices are recomputed from live rates; the benchmarks are sourced to public data. Numbers are free to cite with attribution to SwitchWize (switchwize.com).
SwitchWize proprietary indices
Recomputed monthly from live rate data. Each links to its public dataset.
$997/yr
The average U.S. saver forgoes about $997 a year by holding cash at the 0.38% national average instead of the 4.37% best-available rate, on a $25,000 balance.
Source: SwitchWize Bank Gap Index · June 2026
Cite as: SwitchWize, “The average U.” Retrieved June 2026.
$122/yr
The best CDs pay 4.14% versus a 3.65% cohort median — a 0.49-point gap worth about $122 a year on a $25,000 balance.
Source: SwitchWize 12-Month CD Spread Index · June 2026
Cite as: SwitchWize, “The best CDs pay 4.” Retrieved June 2026.
$544/yr
The best money market accounts pay 3.95% versus a 1.77% cohort median — a 2.17-point gap worth about $544 a year on a $25,000 balance.
Source: SwitchWize Money Market Spread Index · June 2026
Cite as: SwitchWize, “The best money market accounts pay 3.” Retrieved June 2026.
$600/yr
The best checking accounts pay 2.50% versus a 0.10% cohort median — a 2.40-point gap worth about $600 a year on a $25,000 balance.
Source: SwitchWize Checking Account Gap Index · June 2026
Cite as: SwitchWize, “The best checking accounts pay 2.” Retrieved June 2026.
Personal-finance benchmarks
Population-level figures sourced to public data, reviewed quarterly.
$300+/yr
The average U.S. cardholder leaves about $300 in credit card rewards on the table each year by not matching their card to their spending.
Source: Industry estimates (Bankrate, issuer disclosures) · Q2 2026
Cite as: SwitchWize, “The average U.” Retrieved Q2 2026.
$6,000
The typical U.S. household carries roughly $6,000 in revolving credit card debt.
Source: Federal Reserve / CFPB · Q1 2026
Cite as: SwitchWize, “The typical U.” Retrieved Q1 2026.
20%+
Revolving credit card debt typically carries an APR of 20% or higher.
Source: CFPB · Q1 2026
Cite as: SwitchWize, “Revolving credit card debt typically carries an APR of 20% or higher.” Retrieved Q1 2026.
How these are produced
Proprietary indices are computed from the SwitchWize rate database — scraped deposit and lending rates across hundreds of tracked institutions — using a fixed representative balance so each index moves only when rates move. The full method and dated series for each index live on its own page and public JSON dataset. Sourced benchmarks cite the originating public dataset and the period they cover.
Reviewed under the SwitchWize editorial standards.