FDIC national average savings rate
0.38per cent, observed 2026-08-01.
National simple average across insured institutions — not a per-institution APY.
FDIC national average savings rate2021-04-01 – 2026-08-01
Table view — 65 observations
| Date | FDIC national average savings rate |
|---|---|
| 2026-08-01 | 0.38% |
| 2026-07-01 | 0.38% |
| 2026-06-01 | 0.38% |
| 2026-05-01 | 0.38% |
| 2026-04-01 | 0.38% |
| 2026-03-01 | 0.39% |
| 2026-02-01 | 0.39% |
| 2026-01-01 | 0.39% |
| 2025-12-01 | 0.39% |
| 2025-11-01 | 0.4% |
| 2025-10-01 | 0.4% |
| 2025-09-01 | 0.4% |
| 2025-08-01 | 0.39% |
| 2025-07-01 | 0.38% |
| 2025-06-01 | 0.38% |
| 2025-05-01 | 0.42% |
| 2025-04-01 | 0.41% |
| 2025-03-01 | 0.41% |
| 2025-02-01 | 0.41% |
| 2025-01-01 | 0.41% |
| 2024-12-01 | 0.42% |
| 2024-11-01 | 0.43% |
| 2024-10-01 | 0.45% |
| 2024-09-01 | 0.46% |
| 2024-08-01 | 0.46% |
| 2024-07-01 | 0.45% |
| 2024-06-01 | 0.45% |
| 2024-05-01 | 0.45% |
| 2024-04-01 | 0.46% |
| 2024-03-01 | 0.47% |
| 2024-02-01 | 0.46% |
| 2024-01-01 | 0.47% |
| 2023-12-01 | 0.46% |
| 2023-11-01 | 0.46% |
| 2023-10-01 | 0.46% |
| 2023-09-01 | 0.45% |
| 2023-08-01 | 0.43% |
| 2023-07-01 | 0.42% |
| 2023-06-01 | 0.42% |
| 2023-05-01 | 0.4% |
| 2023-04-01 | 0.39% |
| 2023-03-01 | 0.37% |
| 2023-02-01 | 0.35% |
| 2023-01-01 | 0.33% |
| 2022-12-01 | 0.3% |
| 2022-11-01 | 0.24% |
| 2022-10-01 | 0.21% |
| 2022-09-01 | 0.17% |
| 2022-08-01 | 0.13% |
| 2022-07-01 | 0.1% |
| 2022-06-01 | 0.08% |
| 2022-05-01 | 0.07% |
| 2022-04-01 | 0.06% |
| 2022-03-01 | 0.06% |
| 2022-02-01 | 0.06% |
| 2022-01-01 | 0.06% |
| 2021-12-01 | 0.06% |
| 2021-11-01 | 0.06% |
| 2021-10-01 | 0.06% |
| 2021-09-01 | 0.06% |
| 2021-08-01 | 0.06% |
| 2021-07-01 | 0.06% |
| 2021-06-01 | 0.06% |
| 2021-05-01 | 0.06% |
| 2021-04-01 | 0.06095254537138578% |
Range on record0.06–0.47%
Observations65
CountryUS
Source
- Observation date
- Vintage
- Retrieved
FDIC, National Rates and Rate Caps, retrieved from FRED, Federal Reserve Bank of St. Louis.
Data
The full series is available as JSON at /data/series/us-fdic-savings-rate.json and may be reused freely with attribution.