SwitchWize Research Desk · Monthly edition
Savings Rate Watch: November 2026
Where US savings rates stood in November 2026. Every figure below is fixed as of and does not change, so it can be quoted and checked later.
SwitchWize Bank Gap Index
984+18 vs October 2026
The distance between what a typical US bank pays on savings and the best available rate, across 63 tracked institutions.
The headline numbers
| Top savings rate tracked | 4.32% |
| National savings average | 0.38% |
| The gap between them | 3.94 points |
| Institutions tracked | 63 |
| Best single high-yield savings APY | 4.40% |
| Best CD APY | 5.00% |
| Best money market APY | 4.05% |
Top savings rates in November 2026
| Account | APY |
|---|---|
| Pibank Savings | 4.40% |
| Peak Bank Envision High Yield Savings | 4.27% |
| EverBank Performance Savings | 4.20% |
| LendingClub LevelUp Savings | 4.20% |
| Zynlo Bank ZYNLO Tomorrow Savings Account | 4.10% |
How to cite this
SwitchWize Research Desk, Savings Rate Watch: November 2026, read November 1, 2026. Figures come from SwitchWize rate observations collected from official bank pages, with the national average taken from the FDIC published figure. Nothing here is estimated or projected, and this edition is not revised after publication.
Permanent link: https://www.switchwize.com/whats-changed/savings-rate-watch/2026-11