Live · via FRED · St. Louis Fed

Savings Rates Today

Benchmark as of March 2026 · Updated monthly

Fed Funds Rate

3.64%

Unchanged

-0.69% vs 1 year ago

HYSA Rate Est.

2.89–3.82%

Typical HYSA range today

vs 0.01% at traditional banks

Personal Savings Rate

4.5%

of disposable income saved

vs 2.4% CPI inflation

What Your Savings Could Earn

at 3.82% APY

$1,000 saved

+$38/yr$3/mo

$5,000 saved

+$191/yr$16/mo

$10,000 saved

+$382/yr$31/mo

$25,000 saved

+$955/yr$78/mo

$50,000 saved

+$1,911/yr$157/mo

Annual compounding at estimated HYSA high rate of 3.82%. Actual rates vary by institution.

Rate Benchmarks

Fed Funds Rate (target)

3.64%

HYSA (estimated range)

2.89 – 3.82%

Traditional savings (avg)

0.01 – 0.10%

National personal savings rate

4.5%

CPI inflation (YoY)

2.4%

Fed Funds Rate — Last 12 Months

Mar 263.64%

Feb 263.64%

Jan 263.64%

Dec 253.72%

Nov 253.88%

Oct 254.09%

Sep 254.22%

Aug 254.33%

Jul 254.33%

Jun 254.33%

May 254.33%

Apr 254.33%

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How HYSA Rates Work

High-yield savings accounts track the Fed Funds Rate closely. When the Fed raises rates, HYSA rates follow within weeks.

Traditional banks (Chase, BofA, Wells Fargo) pay near-zero regardless — the spread is profit they keep.

Online banks and credit unions (Ally, Marcus, SoFi) pass most of the Fed rate through to depositors.

Savings Growth Calculator

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Data source

Federal Reserve (FEDFUNDS) and BEA Personal Savings Rate via FRED. HYSA range is an estimate — actual rates vary by institution.