RateZip Rate Index

CD, savings and mortgage rates.

Savings: 4.10% APY. CDs: 4.40% APY. The Freddie Mac PMMS 30-year fixed benchmark is 6.71%.

Top savings APY

4.10%

Top CD APY

4.40%

Any term

30-yr fixed mortgage

6.71%

Freddie PMMS

Mortgage cycle peak

7.79%

reached 2023-10

Top APYs among the offers in the tables below.

Deposit and mortgage rates, sixteen years

·
0%1%2%3%4%5%6%7%8%9%201020122014201620182020202220242026Top savings APY, 2010-02: 0.25%Top savings APY, 2010-03: 0.25%Top savings APY, 2010-04: 0.25%Top savings APY, 2010-05: 0.25%Top savings APY, 2010-06: 0.25%Top savings APY, 2010-07: 0.25%Top savings APY, 2010-08: 0.25%Top savings APY, 2010-09: 0.25%Top savings APY, 2010-10: 0.25%Top savings APY, 2010-11: 0.25%Top savings APY, 2010-12: 0.25%Top savings APY, 2011-01: 0.15%Top savings APY, 2011-02: 0.15%Top savings APY, 2011-03: 0.15%Top savings APY, 2011-04: 0.15%Top savings APY, 2011-05: 0.15%Top savings APY, 2011-06: 0.15%Top savings APY, 2011-07: 0.15%Top savings APY, 2011-08: 0.15%Top savings APY, 2011-09: 0.15%Top savings APY, 2011-10: 0.15%Top savings APY, 2011-11: 0.15%Top savings APY, 2011-12: 0.15%Top savings APY, 2012-01: 0.15%Top savings APY, 2012-02: 0.15%Top savings APY, 2012-03: 0.15%Top savings APY, 2012-04: 0.15%Top savings APY, 2012-05: 0.15%Top savings APY, 2012-06: 0.15%Top savings APY, 2012-07: 0.15%Top savings APY, 2012-08: 0.15%Top savings APY, 2012-09: 0.15%Top savings APY, 2012-10: 0.15%Top savings APY, 2012-11: 0.15%Top savings APY, 2012-12: 0.15%Top savings APY, 2013-01: 0.85%Top savings APY, 2013-02: 0.85%Top savings APY, 2013-03: 0.85%Top savings APY, 2013-04: 0.85%Top savings APY, 2013-05: 0.85%Top savings APY, 2013-06: 0.85%Top savings APY, 2013-07: 0.85%Top savings APY, 2013-08: 0.85%Top savings APY, 2013-09: 0.85%Top savings APY, 2013-10: 0.85%Top savings APY, 2013-11: 0.90%Top savings APY, 2013-12: 0.90%Top savings APY, 2014-01: 0.90%Top savings APY, 2014-02: 0.90%Top savings APY, 2014-03: 0.95%Top savings APY, 2014-04: 0.95%Top savings APY, 2014-05: 0.95%Top savings APY, 2014-06: 0.95%Top savings APY, 2014-07: 0.95%Top savings APY, 2014-08: 0.95%Top savings APY, 2014-09: 0.95%Top savings APY, 2014-10: 0.95%Top savings APY, 2014-11: 1.00%Top savings APY, 2014-12: 1.00%Top savings APY, 2015-01: 1.00%Top savings APY, 2015-02: 1.00%Top savings APY, 2015-03: 1.00%Top savings APY, 2015-04: 1.05%Top savings APY, 2015-05: 1.05%Top savings APY, 2015-06: 1.05%Top savings APY, 2015-07: 1.05%Top savings APY, 2015-08: 1.05%Top savings APY, 2015-09: 1.05%Top savings APY, 2015-10: 1.05%Top savings APY, 2015-11: 1.05%Top savings APY, 2015-12: 1.05%Top savings APY, 2016-01: 1.05%Top savings APY, 2016-02: 1.05%Top savings APY, 2016-03: 1.05%Top savings APY, 2016-04: 1.05%Top savings APY, 2016-05: 1.05%Top savings APY, 2016-06: 1.05%Top savings APY, 2016-07: 1.05%Top savings APY, 2016-08: 1.05%Top savings APY, 2016-09: 1.05%Top savings APY, 2016-10: 1.05%Top savings APY, 2016-11: 1.05%Top savings APY, 2016-12: 1.05%Top savings APY, 2017-01: 1.05%Top savings APY, 2017-02: 1.05%Top savings APY, 2017-03: 1.05%Top savings APY, 2017-04: 1.05%Top savings APY, 2017-05: 1.05%Top savings APY, 2017-06: 1.20%Top savings APY, 2017-07: 1.20%Top savings APY, 2017-08: 1.20%Top savings APY, 2017-09: 1.30%Top savings APY, 2017-10: 1.30%Top savings APY, 2017-11: 1.30%Top savings APY, 2017-12: 1.40%Top savings APY, 2018-01: 1.50%Top savings APY, 2018-02: 1.50%Top savings APY, 2018-03: 1.50%Top savings APY, 2018-04: 1.60%Top savings APY, 2018-05: 1.70%Top savings APY, 2018-06: 1.80%Top savings APY, 2018-07: 1.85%Top savings APY, 2018-08: 1.85%Top savings APY, 2018-09: 1.90%Top savings APY, 2018-10: 2.05%Top savings APY, 2018-11: 2.05%Top savings APY, 2018-12: 2.20%Top savings APY, 2019-01: 2.25%Top savings APY, 2019-02: 2.25%Top savings APY, 2019-03: 2.25%Top savings APY, 2019-04: 2.25%Top savings APY, 2019-05: 2.25%Top savings APY, 2019-06: 2.25%Top savings APY, 2019-07: 2.15%Top savings APY, 2019-08: 2.15%Top savings APY, 2019-09: 2.00%Top savings APY, 2019-10: 1.90%Top savings APY, 2019-11: 1.80%Top savings APY, 2019-12: 1.80%Top savings APY, 2020-01: 1.70%Top savings APY, 2020-02: 1.70%Top savings APY, 2020-03: 1.70%Top savings APY, 2020-04: 1.55%Top savings APY, 2020-05: 1.30%Top savings APY, 2020-06: 1.05%Top savings APY, 2020-07: 1.05%Top savings APY, 2020-08: 0.80%Top savings APY, 2020-09: 0.65%Top savings APY, 2020-10: 0.60%Top savings APY, 2020-11: 0.60%Top savings APY, 2020-12: 0.60%Top savings APY, 2021-01: 0.55%Top savings APY, 2021-02: 0.50%Top savings APY, 2021-03: 0.50%Top savings APY, 2021-04: 0.50%Top savings APY, 2021-05: 0.50%Top savings APY, 2021-06: 0.50%Top savings APY, 2021-07: 0.50%Top savings APY, 2021-08: 0.50%Top savings APY, 2021-09: 0.50%Top savings APY, 2021-10: 0.50%Top savings APY, 2021-11: 0.50%Top savings APY, 2021-12: 0.50%Top savings APY, 2022-01: 0.70%Top savings APY, 2022-02: 0.70%Top savings APY, 2022-03: 0.70%Top savings APY, 2022-04: 0.80%Top savings APY, 2022-05: 1.25%Top savings APY, 2022-06: 1.61%Top savings APY, 2022-07: 2.02%Top savings APY, 2022-08: 2.20%Top savings APY, 2022-09: 2.75%Top savings APY, 2022-10: 3.05%Top savings APY, 2022-11: 3.85%Top savings APY, 2022-12: 4.03%Top savings APY, 2023-01: 4.15%Top savings APY, 2023-02: 4.25%Top savings APY, 2023-03: 4.75%Top savings APY, 2023-04: 4.75%Top savings APY, 2023-05: 4.85%Top savings APY, 2023-06: 4.95%Top savings APY, 2023-07: 5.05%Top savings APY, 2023-08: 5.05%Top savings APY, 2023-09: 5.05%Top savings APY, 2023-10: 5.10%Top savings APY, 2023-11: 5.10%Top savings APY, 2023-12: 5.15%Top savings APY, 2024-01: 5.15%Top savings APY, 2024-02: 5.15%Top savings APY, 2024-03: 5.15%Top savings APY, 2024-04: 5.15%Top savings APY, 2024-05: 5.30%Top savings APY, 2024-06: 5.30%Top savings APY, 2024-07: 5.30%Top savings APY, 2024-08: 5.30%Top savings APY, 2024-09: 5.30%Top savings APY, 2024-10: 5.05%Top savings APY, 2024-11: 4.75%Top savings APY, 2024-12: 4.60%Top savings APY, 2025-01: 4.50%Top savings APY, 2025-02: 4.35%Top savings APY, 2025-03: 4.35%Top savings APY, 2025-04: 4.30%Top savings APY, 2025-05: 4.30%Top savings APY, 2025-06: 4.30%Top savings APY, 2025-07: 4.30%Top savings APY, 2025-08: 4.30%Top savings APY, 2025-09: 4.25%Top savings APY, 2025-10: 4.05%Top savings APY, 2025-11: 4.05%Top savings APY, 2025-12: 4.00%Top savings APY, 2026-01: 3.90%Top savings APY, 2026-02: 3.90%Top savings APY, 2026-03: 4.10%Top savings APY, 2026-04: 4.10%Top savings APY, 2026-05: 4.10%Top savings APY, 2026-06: 4.15%Top savings APY, 2026-07: 4.15%Top savings APY, 2026-08: 4.15%Top savings APY, 2026-09: 4.15%4.15%Top CD APY, 2010-02: 1.85%Top CD APY, 2010-03: 1.55%Top CD APY, 2010-04: 1.50%Top CD APY, 2010-05: 1.50%Top CD APY, 2010-06: 1.20%Top CD APY, 2010-07: 1.20%Top CD APY, 2010-08: 0.80%Top CD APY, 2010-09: 0.80%Top CD APY, 2010-10: 0.80%Top CD APY, 2010-11: 1.10%Top CD APY, 2010-12: 0.80%Top CD APY, 2011-01: 0.40%Top CD APY, 2011-02: 0.40%Top CD APY, 2011-03: 0.95%Top CD APY, 2011-04: 0.95%Top CD APY, 2011-05: 0.95%Top CD APY, 2011-06: 0.95%Top CD APY, 2011-07: 0.95%Top CD APY, 2011-08: 0.95%Top CD APY, 2011-09: 1.05%Top CD APY, 2011-10: 1.05%Top CD APY, 2011-11: 1.05%Top CD APY, 2011-12: 1.05%Top CD APY, 2012-01: 1.05%Top CD APY, 2012-02: 0.80%Top CD APY, 2012-03: 0.80%Top CD APY, 2012-04: 0.80%Top CD APY, 2012-05: 0.80%Top CD APY, 2012-06: 0.80%Top CD APY, 2012-07: 0.80%Top CD APY, 2012-08: 1.05%Top CD APY, 2012-09: 1.05%Top CD APY, 2012-10: 1.05%Top CD APY, 2012-11: 1.05%Top CD APY, 2012-12: 1.05%Top CD APY, 2013-01: 1.05%Top CD APY, 2013-02: 1.05%Top CD APY, 2013-03: 1.05%Top CD APY, 2013-04: 1.05%Top CD APY, 2013-05: 0.60%Top CD APY, 2013-06: 0.60%Top CD APY, 2013-07: 0.60%Top CD APY, 2013-08: 0.60%Top CD APY, 2013-09: 0.60%Top CD APY, 2013-10: 0.40%Top CD APY, 2013-11: 0.40%Top CD APY, 2013-12: 0.40%Top CD APY, 2014-01: 0.40%Top CD APY, 2014-02: 0.40%Top CD APY, 2014-03: 0.40%Top CD APY, 2014-04: 0.40%Top CD APY, 2014-05: 0.40%Top CD APY, 2014-06: 0.40%Top CD APY, 2014-07: 0.90%Top CD APY, 2014-08: 0.90%Top CD APY, 2014-09: 0.90%Top CD APY, 2014-10: 0.90%Top CD APY, 2014-11: 0.90%Top CD APY, 2014-12: 1.00%Top CD APY, 2015-01: 1.00%Top CD APY, 2015-02: 1.00%Top CD APY, 2015-03: 1.10%Top CD APY, 2015-04: 1.10%Top CD APY, 2015-05: 1.10%Top CD APY, 2015-06: 1.10%Top CD APY, 2015-07: 1.10%Top CD APY, 2015-08: 1.10%Top CD APY, 2015-09: 1.10%Top CD APY, 2015-10: 1.10%Top CD APY, 2015-11: 1.10%Top CD APY, 2015-12: 1.10%Top CD APY, 2016-01: 1.30%Top CD APY, 2016-02: 1.25%Top CD APY, 2016-03: 1.25%Top CD APY, 2016-04: 1.25%Top CD APY, 2016-05: 1.25%Top CD APY, 2016-06: 1.25%Top CD APY, 2016-07: 1.25%Top CD APY, 2016-08: 1.25%Top CD APY, 2016-09: 1.25%Top CD APY, 2016-10: 1.25%Top CD APY, 2016-11: 1.25%Top CD APY, 2016-12: 1.25%Top CD APY, 2017-01: 1.25%Top CD APY, 2017-02: 1.30%Top CD APY, 2017-03: 1.30%Top CD APY, 2017-04: 1.30%Top CD APY, 2017-05: 1.25%Top CD APY, 2017-06: 1.25%Top CD APY, 2017-07: 1.25%Top CD APY, 2017-08: 1.45%Top CD APY, 2017-09: 1.45%Top CD APY, 2017-10: 1.45%Top CD APY, 2017-11: 1.65%Top CD APY, 2017-12: 1.65%Top CD APY, 2018-01: 1.65%Top CD APY, 2018-02: 2.00%Top CD APY, 2018-03: 2.05%Top CD APY, 2018-04: 2.10%Top CD APY, 2018-05: 2.25%Top CD APY, 2018-06: 2.30%Top CD APY, 2018-07: 2.50%Top CD APY, 2018-08: 2.65%Top CD APY, 2018-09: 2.65%Top CD APY, 2018-10: 2.65%Top CD APY, 2018-11: 2.65%Top CD APY, 2018-12: 2.70%Top CD APY, 2019-01: 2.70%Top CD APY, 2019-02: 2.70%Top CD APY, 2019-03: 2.70%Top CD APY, 2019-04: 2.70%Top CD APY, 2019-05: 2.70%Top CD APY, 2019-06: 2.70%Top CD APY, 2019-07: 2.70%Top CD APY, 2019-08: 2.45%Top CD APY, 2019-09: 2.30%Top CD APY, 2019-10: 2.20%Top CD APY, 2019-11: 2.10%Top CD APY, 2019-12: 2.01%Top CD APY, 2020-01: 2.00%Top CD APY, 2020-02: 2.00%Top CD APY, 2020-03: 1.70%Top CD APY, 2020-04: 1.50%Top CD APY, 2020-05: 1.20%Top CD APY, 2020-06: 0.90%Top CD APY, 2020-07: 0.75%Top CD APY, 2020-08: 0.75%Top CD APY, 2020-09: 0.75%Top CD APY, 2020-10: 0.75%Top CD APY, 2020-11: 0.75%Top CD APY, 2020-12: 0.75%Top CD APY, 2021-01: 0.75%Top CD APY, 2021-02: 0.75%Top CD APY, 2021-03: 0.75%Top CD APY, 2021-04: 0.75%Top CD APY, 2021-05: 0.75%Top CD APY, 2021-06: 0.75%Top CD APY, 2021-07: 0.75%Top CD APY, 2021-08: 0.75%Top CD APY, 2021-09: 0.60%Top CD APY, 2021-10: 0.60%Top CD APY, 2021-11: 0.60%Top CD APY, 2021-12: 0.60%Top CD APY, 2022-01: 0.60%Top CD APY, 2022-02: 0.70%Top CD APY, 2022-03: 1.15%Top CD APY, 2022-04: 1.20%Top CD APY, 2022-05: 1.30%Top CD APY, 2022-06: 2.10%Top CD APY, 2022-07: 2.25%Top CD APY, 2022-08: 2.75%Top CD APY, 2022-09: 3.25%Top CD APY, 2022-10: 4.00%Top CD APY, 2022-11: 4.15%Top CD APY, 2022-12: 4.45%Top CD APY, 2023-01: 4.45%Top CD APY, 2023-02: 4.55%Top CD APY, 2023-03: 4.80%Top CD APY, 2023-04: 4.80%Top CD APY, 2023-05: 5.00%Top CD APY, 2023-06: 5.35%Top CD APY, 2023-07: 5.35%Top CD APY, 2023-08: 5.35%Top CD APY, 2023-09: 5.35%Top CD APY, 2023-10: 5.75%Top CD APY, 2023-11: 5.75%Top CD APY, 2023-12: 5.60%Top CD APY, 2024-01: 5.40%Top CD APY, 2024-02: 5.40%Top CD APY, 2024-03: 5.35%Top CD APY, 2024-04: 5.35%Top CD APY, 2024-05: 5.35%Top CD APY, 2024-06: 5.35%Top CD APY, 2024-07: 5.35%Top CD APY, 2024-08: 5.00%Top CD APY, 2024-09: 4.60%Top CD APY, 2024-10: 4.40%Top CD APY, 2024-11: 4.37%Top CD APY, 2024-12: 4.25%Top CD APY, 2025-01: 4.35%Top CD APY, 2025-02: 4.40%Top CD APY, 2025-03: 4.40%Top CD APY, 2025-04: 4.40%Top CD APY, 2025-05: 4.35%Top CD APY, 2025-06: 4.35%Top CD APY, 2025-07: 4.35%Top CD APY, 2025-08: 4.30%Top CD APY, 2025-09: 4.15%Top CD APY, 2025-10: 4.10%Top CD APY, 2025-11: 4.10%Top CD APY, 2025-12: 4.10%Top CD APY, 2026-01: 4.10%Top CD APY, 2026-02: 4.10%Top CD APY, 2026-03: 4.10%Top CD APY, 2026-04: 4.05%Top CD APY, 2026-05: 4.15%Top CD APY, 2026-06: 4.15%Top CD APY, 2026-07: 4.25%Top CD APY, 2026-08: 4.50%Top CD APY, 2026-09: 4.40%4.40%30-yr fixed mortgage, 2010-01: 4.98%30-yr fixed mortgage, 2010-02: 5.05%30-yr fixed mortgage, 2010-03: 4.99%30-yr fixed mortgage, 2010-04: 5.06%30-yr fixed mortgage, 2010-05: 4.78%30-yr fixed mortgage, 2010-06: 4.69%30-yr fixed mortgage, 2010-07: 4.54%30-yr fixed mortgage, 2010-08: 4.36%30-yr fixed mortgage, 2010-09: 4.32%30-yr fixed mortgage, 2010-10: 4.23%30-yr fixed mortgage, 2010-11: 4.40%30-yr fixed mortgage, 2010-12: 4.86%30-yr fixed mortgage, 2011-01: 4.80%30-yr fixed mortgage, 2011-02: 4.95%30-yr fixed mortgage, 2011-03: 4.86%30-yr fixed mortgage, 2011-04: 4.78%30-yr fixed mortgage, 2011-05: 4.60%30-yr fixed mortgage, 2011-06: 4.51%30-yr fixed mortgage, 2011-07: 4.55%30-yr fixed mortgage, 2011-08: 4.22%30-yr fixed mortgage, 2011-09: 4.01%30-yr fixed mortgage, 2011-10: 4.10%30-yr fixed mortgage, 2011-11: 3.98%30-yr fixed mortgage, 2011-12: 3.95%30-yr fixed mortgage, 2012-01: 3.98%30-yr fixed mortgage, 2012-02: 3.95%30-yr fixed mortgage, 2012-03: 3.99%30-yr fixed mortgage, 2012-04: 3.88%30-yr fixed mortgage, 2012-05: 3.75%30-yr fixed mortgage, 2012-06: 3.66%30-yr fixed mortgage, 2012-07: 3.49%30-yr fixed mortgage, 2012-08: 3.59%30-yr fixed mortgage, 2012-09: 3.40%30-yr fixed mortgage, 2012-10: 3.41%30-yr fixed mortgage, 2012-11: 3.32%30-yr fixed mortgage, 2012-12: 3.35%30-yr fixed mortgage, 2013-01: 3.53%30-yr fixed mortgage, 2013-02: 3.51%30-yr fixed mortgage, 2013-03: 3.57%30-yr fixed mortgage, 2013-04: 3.40%30-yr fixed mortgage, 2013-05: 3.81%30-yr fixed mortgage, 2013-06: 4.46%30-yr fixed mortgage, 2013-07: 4.31%30-yr fixed mortgage, 2013-08: 4.51%30-yr fixed mortgage, 2013-09: 4.32%30-yr fixed mortgage, 2013-10: 4.10%30-yr fixed mortgage, 2013-11: 4.29%30-yr fixed mortgage, 2013-12: 4.48%30-yr fixed mortgage, 2014-01: 4.32%30-yr fixed mortgage, 2014-02: 4.37%30-yr fixed mortgage, 2014-03: 4.40%30-yr fixed mortgage, 2014-04: 4.33%30-yr fixed mortgage, 2014-05: 4.12%30-yr fixed mortgage, 2014-06: 4.14%30-yr fixed mortgage, 2014-07: 4.12%30-yr fixed mortgage, 2014-08: 4.10%30-yr fixed mortgage, 2014-09: 4.20%30-yr fixed mortgage, 2014-10: 3.98%30-yr fixed mortgage, 2014-11: 3.97%30-yr fixed mortgage, 2014-12: 3.87%30-yr fixed mortgage, 2015-01: 3.66%30-yr fixed mortgage, 2015-02: 3.80%30-yr fixed mortgage, 2015-03: 3.69%30-yr fixed mortgage, 2015-04: 3.68%30-yr fixed mortgage, 2015-05: 3.87%30-yr fixed mortgage, 2015-06: 4.02%30-yr fixed mortgage, 2015-07: 3.98%30-yr fixed mortgage, 2015-08: 3.84%30-yr fixed mortgage, 2015-09: 3.86%30-yr fixed mortgage, 2015-10: 3.76%30-yr fixed mortgage, 2015-11: 3.95%30-yr fixed mortgage, 2015-12: 4.01%30-yr fixed mortgage, 2016-01: 3.79%30-yr fixed mortgage, 2016-02: 3.62%30-yr fixed mortgage, 2016-03: 3.71%30-yr fixed mortgage, 2016-04: 3.66%30-yr fixed mortgage, 2016-05: 3.64%30-yr fixed mortgage, 2016-06: 3.48%30-yr fixed mortgage, 2016-07: 3.48%30-yr fixed mortgage, 2016-08: 3.43%30-yr fixed mortgage, 2016-09: 3.42%30-yr fixed mortgage, 2016-10: 3.47%30-yr fixed mortgage, 2016-11: 4.03%30-yr fixed mortgage, 2016-12: 4.32%30-yr fixed mortgage, 2017-01: 4.19%30-yr fixed mortgage, 2017-02: 4.16%30-yr fixed mortgage, 2017-03: 4.14%30-yr fixed mortgage, 2017-04: 4.03%30-yr fixed mortgage, 2017-05: 3.95%30-yr fixed mortgage, 2017-06: 3.88%30-yr fixed mortgage, 2017-07: 3.92%30-yr fixed mortgage, 2017-08: 3.82%30-yr fixed mortgage, 2017-09: 3.83%30-yr fixed mortgage, 2017-10: 3.94%30-yr fixed mortgage, 2017-11: 3.90%30-yr fixed mortgage, 2017-12: 3.99%30-yr fixed mortgage, 2018-01: 4.15%30-yr fixed mortgage, 2018-02: 4.40%30-yr fixed mortgage, 2018-03: 4.44%30-yr fixed mortgage, 2018-04: 4.58%30-yr fixed mortgage, 2018-05: 4.56%30-yr fixed mortgage, 2018-06: 4.55%30-yr fixed mortgage, 2018-07: 4.54%30-yr fixed mortgage, 2018-08: 4.52%30-yr fixed mortgage, 2018-09: 4.72%30-yr fixed mortgage, 2018-10: 4.86%30-yr fixed mortgage, 2018-11: 4.81%30-yr fixed mortgage, 2018-12: 4.55%30-yr fixed mortgage, 2019-01: 4.46%30-yr fixed mortgage, 2019-02: 4.35%30-yr fixed mortgage, 2019-03: 4.06%30-yr fixed mortgage, 2019-04: 4.20%30-yr fixed mortgage, 2019-05: 3.99%30-yr fixed mortgage, 2019-06: 3.73%30-yr fixed mortgage, 2019-07: 3.75%30-yr fixed mortgage, 2019-08: 3.58%30-yr fixed mortgage, 2019-09: 3.64%30-yr fixed mortgage, 2019-10: 3.78%30-yr fixed mortgage, 2019-11: 3.68%30-yr fixed mortgage, 2019-12: 3.74%30-yr fixed mortgage, 2020-01: 3.51%30-yr fixed mortgage, 2020-02: 3.45%30-yr fixed mortgage, 2020-03: 3.50%30-yr fixed mortgage, 2020-04: 3.23%30-yr fixed mortgage, 2020-05: 3.15%30-yr fixed mortgage, 2020-06: 3.13%30-yr fixed mortgage, 2020-07: 2.99%30-yr fixed mortgage, 2020-08: 2.91%30-yr fixed mortgage, 2020-09: 2.90%30-yr fixed mortgage, 2020-10: 2.81%30-yr fixed mortgage, 2020-11: 2.72%30-yr fixed mortgage, 2020-12: 2.67%30-yr fixed mortgage, 2021-01: 2.73%30-yr fixed mortgage, 2021-02: 2.97%30-yr fixed mortgage, 2021-03: 3.17%30-yr fixed mortgage, 2021-04: 2.98%30-yr fixed mortgage, 2021-05: 2.95%30-yr fixed mortgage, 2021-06: 3.02%30-yr fixed mortgage, 2021-07: 2.80%30-yr fixed mortgage, 2021-08: 2.87%30-yr fixed mortgage, 2021-09: 3.01%30-yr fixed mortgage, 2021-10: 3.14%30-yr fixed mortgage, 2021-11: 3.10%30-yr fixed mortgage, 2021-12: 3.11%30-yr fixed mortgage, 2022-01: 3.55%30-yr fixed mortgage, 2022-02: 3.89%30-yr fixed mortgage, 2022-03: 4.67%30-yr fixed mortgage, 2022-04: 5.10%30-yr fixed mortgage, 2022-05: 5.10%30-yr fixed mortgage, 2022-06: 5.70%30-yr fixed mortgage, 2022-07: 5.30%30-yr fixed mortgage, 2022-08: 5.55%30-yr fixed mortgage, 2022-09: 6.70%30-yr fixed mortgage, 2022-10: 7.08%30-yr fixed mortgage, 2022-11: 6.58%30-yr fixed mortgage, 2022-12: 6.42%30-yr fixed mortgage, 2023-01: 6.13%30-yr fixed mortgage, 2023-02: 6.50%30-yr fixed mortgage, 2023-03: 6.32%30-yr fixed mortgage, 2023-04: 6.43%30-yr fixed mortgage, 2023-05: 6.57%30-yr fixed mortgage, 2023-06: 6.71%30-yr fixed mortgage, 2023-07: 6.81%30-yr fixed mortgage, 2023-08: 7.18%30-yr fixed mortgage, 2023-09: 7.31%30-yr fixed mortgage, 2023-10: 7.79%30-yr fixed mortgage, 2023-11: 7.22%30-yr fixed mortgage, 2023-12: 6.61%30-yr fixed mortgage, 2024-01: 6.69%30-yr fixed mortgage, 2024-02: 6.94%30-yr fixed mortgage, 2024-03: 6.79%30-yr fixed mortgage, 2024-04: 7.17%30-yr fixed mortgage, 2024-05: 7.03%30-yr fixed mortgage, 2024-06: 6.86%30-yr fixed mortgage, 2024-07: 6.78%30-yr fixed mortgage, 2024-08: 6.35%30-yr fixed mortgage, 2024-09: 6.08%30-yr fixed mortgage, 2024-10: 6.72%30-yr fixed mortgage, 2024-11: 6.81%30-yr fixed mortgage, 2024-12: 6.85%30-yr fixed mortgage, 2025-01: 6.95%30-yr fixed mortgage, 2025-02: 6.76%30-yr fixed mortgage, 2025-03: 6.65%30-yr fixed mortgage, 2025-04: 6.81%30-yr fixed mortgage, 2025-05: 6.89%30-yr fixed mortgage, 2025-06: 6.77%30-yr fixed mortgage, 2025-07: 6.72%30-yr fixed mortgage, 2025-08: 6.56%30-yr fixed mortgage, 2025-09: 6.30%30-yr fixed mortgage, 2025-10: 6.17%30-yr fixed mortgage, 2025-11: 6.23%30-yr fixed mortgage, 2025-12: 6.15%30-yr fixed mortgage, 2026-01: 6.10%30-yr fixed mortgage, 2026-02: 5.98%30-yr fixed mortgage, 2026-03: 6.38%30-yr fixed mortgage, 2026-04: 6.30%30-yr fixed mortgage, 2026-05: 6.53%30-yr fixed mortgage, 2026-06: 6.49%30-yr fixed mortgage, 2026-07: 6.66%30-yr fixed mortgage, 2026-08: 6.66%30-yr fixed mortgage, 2026-09: 6.71%6.71%15-yr fixed mortgage, 2010-01: 4.39%15-yr fixed mortgage, 2010-02: 4.40%15-yr fixed mortgage, 2010-03: 4.34%15-yr fixed mortgage, 2010-04: 4.39%15-yr fixed mortgage, 2010-05: 4.21%15-yr fixed mortgage, 2010-06: 4.13%15-yr fixed mortgage, 2010-07: 4.00%15-yr fixed mortgage, 2010-08: 3.86%15-yr fixed mortgage, 2010-09: 3.75%15-yr fixed mortgage, 2010-10: 3.66%15-yr fixed mortgage, 2010-11: 3.77%15-yr fixed mortgage, 2010-12: 4.20%15-yr fixed mortgage, 2011-01: 4.09%15-yr fixed mortgage, 2011-02: 4.22%15-yr fixed mortgage, 2011-03: 4.09%15-yr fixed mortgage, 2011-04: 3.97%15-yr fixed mortgage, 2011-05: 3.78%15-yr fixed mortgage, 2011-06: 3.69%15-yr fixed mortgage, 2011-07: 3.66%15-yr fixed mortgage, 2011-08: 3.44%15-yr fixed mortgage, 2011-09: 3.28%15-yr fixed mortgage, 2011-10: 3.38%15-yr fixed mortgage, 2011-11: 3.30%15-yr fixed mortgage, 2011-12: 3.24%15-yr fixed mortgage, 2012-01: 3.24%15-yr fixed mortgage, 2012-02: 3.19%15-yr fixed mortgage, 2012-03: 3.23%15-yr fixed mortgage, 2012-04: 3.12%15-yr fixed mortgage, 2012-05: 2.97%15-yr fixed mortgage, 2012-06: 2.94%15-yr fixed mortgage, 2012-07: 2.80%15-yr fixed mortgage, 2012-08: 2.86%15-yr fixed mortgage, 2012-09: 2.73%15-yr fixed mortgage, 2012-10: 2.72%15-yr fixed mortgage, 2012-11: 2.64%15-yr fixed mortgage, 2012-12: 2.65%15-yr fixed mortgage, 2013-01: 2.81%15-yr fixed mortgage, 2013-02: 2.76%15-yr fixed mortgage, 2013-03: 2.76%15-yr fixed mortgage, 2013-04: 2.61%15-yr fixed mortgage, 2013-05: 2.98%15-yr fixed mortgage, 2013-06: 3.50%15-yr fixed mortgage, 2013-07: 3.39%15-yr fixed mortgage, 2013-08: 3.54%15-yr fixed mortgage, 2013-09: 3.37%15-yr fixed mortgage, 2013-10: 3.20%15-yr fixed mortgage, 2013-11: 3.30%15-yr fixed mortgage, 2013-12: 3.52%15-yr fixed mortgage, 2014-01: 3.40%15-yr fixed mortgage, 2014-02: 3.39%15-yr fixed mortgage, 2014-03: 3.42%15-yr fixed mortgage, 2014-04: 3.39%15-yr fixed mortgage, 2014-05: 3.21%15-yr fixed mortgage, 2014-06: 3.22%15-yr fixed mortgage, 2014-07: 3.23%15-yr fixed mortgage, 2014-08: 3.25%15-yr fixed mortgage, 2014-09: 3.36%15-yr fixed mortgage, 2014-10: 3.13%15-yr fixed mortgage, 2014-11: 3.17%15-yr fixed mortgage, 2014-12: 3.15%15-yr fixed mortgage, 2015-01: 2.98%15-yr fixed mortgage, 2015-02: 3.07%15-yr fixed mortgage, 2015-03: 2.97%15-yr fixed mortgage, 2015-04: 2.94%15-yr fixed mortgage, 2015-05: 3.11%15-yr fixed mortgage, 2015-06: 3.21%15-yr fixed mortgage, 2015-07: 3.17%15-yr fixed mortgage, 2015-08: 3.06%15-yr fixed mortgage, 2015-09: 3.08%15-yr fixed mortgage, 2015-10: 2.98%15-yr fixed mortgage, 2015-11: 3.18%15-yr fixed mortgage, 2015-12: 3.24%15-yr fixed mortgage, 2016-01: 3.07%15-yr fixed mortgage, 2016-02: 2.93%15-yr fixed mortgage, 2016-03: 2.98%15-yr fixed mortgage, 2016-04: 2.89%15-yr fixed mortgage, 2016-05: 2.89%15-yr fixed mortgage, 2016-06: 2.78%15-yr fixed mortgage, 2016-07: 2.78%15-yr fixed mortgage, 2016-08: 2.74%15-yr fixed mortgage, 2016-09: 2.72%15-yr fixed mortgage, 2016-10: 2.78%15-yr fixed mortgage, 2016-11: 3.25%15-yr fixed mortgage, 2016-12: 3.55%15-yr fixed mortgage, 2017-01: 3.40%15-yr fixed mortgage, 2017-02: 3.37%15-yr fixed mortgage, 2017-03: 3.39%15-yr fixed mortgage, 2017-04: 3.27%15-yr fixed mortgage, 2017-05: 3.19%15-yr fixed mortgage, 2017-06: 3.17%15-yr fixed mortgage, 2017-07: 3.20%15-yr fixed mortgage, 2017-08: 3.12%15-yr fixed mortgage, 2017-09: 3.13%15-yr fixed mortgage, 2017-10: 3.25%15-yr fixed mortgage, 2017-11: 3.30%15-yr fixed mortgage, 2017-12: 3.44%15-yr fixed mortgage, 2018-01: 3.62%15-yr fixed mortgage, 2018-02: 3.85%15-yr fixed mortgage, 2018-03: 3.90%15-yr fixed mortgage, 2018-04: 4.02%15-yr fixed mortgage, 2018-05: 4.06%15-yr fixed mortgage, 2018-06: 4.04%15-yr fixed mortgage, 2018-07: 4.02%15-yr fixed mortgage, 2018-08: 3.97%15-yr fixed mortgage, 2018-09: 4.16%15-yr fixed mortgage, 2018-10: 4.29%15-yr fixed mortgage, 2018-11: 4.25%15-yr fixed mortgage, 2018-12: 4.01%15-yr fixed mortgage, 2019-01: 3.89%15-yr fixed mortgage, 2019-02: 3.77%15-yr fixed mortgage, 2019-03: 3.57%15-yr fixed mortgage, 2019-04: 3.64%15-yr fixed mortgage, 2019-05: 3.46%15-yr fixed mortgage, 2019-06: 3.16%15-yr fixed mortgage, 2019-07: 3.18%15-yr fixed mortgage, 2019-08: 3.06%15-yr fixed mortgage, 2019-09: 3.16%15-yr fixed mortgage, 2019-10: 3.19%15-yr fixed mortgage, 2019-11: 3.15%15-yr fixed mortgage, 2019-12: 3.19%15-yr fixed mortgage, 2020-01: 3.00%15-yr fixed mortgage, 2020-02: 2.95%15-yr fixed mortgage, 2020-03: 2.92%15-yr fixed mortgage, 2020-04: 2.77%15-yr fixed mortgage, 2020-05: 2.62%15-yr fixed mortgage, 2020-06: 2.59%15-yr fixed mortgage, 2020-07: 2.51%15-yr fixed mortgage, 2020-08: 2.46%15-yr fixed mortgage, 2020-09: 2.40%15-yr fixed mortgage, 2020-10: 2.32%15-yr fixed mortgage, 2020-11: 2.28%15-yr fixed mortgage, 2020-12: 2.17%15-yr fixed mortgage, 2021-01: 2.20%15-yr fixed mortgage, 2021-02: 2.34%15-yr fixed mortgage, 2021-03: 2.45%15-yr fixed mortgage, 2021-04: 2.31%15-yr fixed mortgage, 2021-05: 2.27%15-yr fixed mortgage, 2021-06: 2.34%15-yr fixed mortgage, 2021-07: 2.10%15-yr fixed mortgage, 2021-08: 2.17%15-yr fixed mortgage, 2021-09: 2.28%15-yr fixed mortgage, 2021-10: 2.37%15-yr fixed mortgage, 2021-11: 2.42%15-yr fixed mortgage, 2021-12: 2.33%15-yr fixed mortgage, 2022-01: 2.80%15-yr fixed mortgage, 2022-02: 3.14%15-yr fixed mortgage, 2022-03: 3.83%15-yr fixed mortgage, 2022-04: 4.40%15-yr fixed mortgage, 2022-05: 4.31%15-yr fixed mortgage, 2022-06: 4.83%15-yr fixed mortgage, 2022-07: 4.58%15-yr fixed mortgage, 2022-08: 4.85%15-yr fixed mortgage, 2022-09: 5.96%15-yr fixed mortgage, 2022-10: 6.36%15-yr fixed mortgage, 2022-11: 5.90%15-yr fixed mortgage, 2022-12: 5.68%15-yr fixed mortgage, 2023-01: 5.17%15-yr fixed mortgage, 2023-02: 5.76%15-yr fixed mortgage, 2023-03: 5.56%15-yr fixed mortgage, 2023-04: 5.71%15-yr fixed mortgage, 2023-05: 5.97%15-yr fixed mortgage, 2023-06: 6.06%15-yr fixed mortgage, 2023-07: 6.11%15-yr fixed mortgage, 2023-08: 6.55%15-yr fixed mortgage, 2023-09: 6.72%15-yr fixed mortgage, 2023-10: 7.03%15-yr fixed mortgage, 2023-11: 6.56%15-yr fixed mortgage, 2023-12: 5.93%15-yr fixed mortgage, 2024-01: 5.96%15-yr fixed mortgage, 2024-02: 6.26%15-yr fixed mortgage, 2024-03: 6.11%15-yr fixed mortgage, 2024-04: 6.44%15-yr fixed mortgage, 2024-05: 6.36%15-yr fixed mortgage, 2024-06: 6.16%15-yr fixed mortgage, 2024-07: 6.07%15-yr fixed mortgage, 2024-08: 5.51%15-yr fixed mortgage, 2024-09: 5.16%15-yr fixed mortgage, 2024-10: 5.99%15-yr fixed mortgage, 2024-11: 6.10%15-yr fixed mortgage, 2024-12: 6.00%15-yr fixed mortgage, 2025-01: 6.12%15-yr fixed mortgage, 2025-02: 5.94%15-yr fixed mortgage, 2025-03: 5.89%15-yr fixed mortgage, 2025-04: 5.94%15-yr fixed mortgage, 2025-05: 6.03%15-yr fixed mortgage, 2025-06: 5.89%15-yr fixed mortgage, 2025-07: 5.85%15-yr fixed mortgage, 2025-08: 5.69%15-yr fixed mortgage, 2025-09: 5.49%15-yr fixed mortgage, 2025-10: 5.41%15-yr fixed mortgage, 2025-11: 5.51%15-yr fixed mortgage, 2025-12: 5.44%15-yr fixed mortgage, 2026-01: 5.49%15-yr fixed mortgage, 2026-02: 5.44%15-yr fixed mortgage, 2026-03: 5.75%15-yr fixed mortgage, 2026-04: 5.64%15-yr fixed mortgage, 2026-05: 5.87%15-yr fixed mortgage, 2026-06: 5.84%15-yr fixed mortgage, 2026-07: 6.04%15-yr fixed mortgage, 2026-08: 5.98%15-yr fixed mortgage, 2026-09: 6.04%6.04%
Highest tracked savings and CD APY each month alongside average mortgage rates. Click legend chips to show or hide series; drag across the chart (or use the range buttons) to zoom, double-click to reset.

This reconstructed historical series includes carried-forward bank observations. Its coverage differs from the latest dated offer tables, so we do not use it to state a weekly or yearly change in today's available deposit offers. Historical savings and CD peaks are 5.30% (2024-05) and 5.75% (2023-10), respectively.

How they move together

Deposit APYs and mortgage rates rise and fall together because both track the Federal Reserve's policy rate. The chart shows it plainly: in 2020-2021 the 30-year fixed hit an all-time low of 2.67% while savings APYs fell to near zero; through 2022-2023 both climbed sharply, the mortgage peaking at 7.79% in 2023; and both have eased since. The gap between them - what a bank earns lending versus what it pays savers - is where the rate market's pressure shows up first.

Savings rates

BankAPYMin. deposit
CIT Bank4.10%5000
Mitten4.01%10000
First National Bank of America4.00%0
Happen Bank4.00%0
Poppy4.00%1000
Bread Savings3.95%100
Western Alliance Bank3.80%0.01
Sallie Mae3.75%0
Marcus by Goldman Sachs3.40%0
Capital One3.00%0

CD rates

BankAPYTermMin. deposit
United Fidelity Bank4.40%18 months1000.00
Marcus by Goldman Sachs4.35%18 months500.00
Sallie Mae4.30%15 months2500.00
Synchrony Bank4.30%16 months0.00
Bread Savings4.25%9 months1500.00
Accordia Bank4.20%1 year1000.00
Happen Bank4.20%11 months500.00
Bask Bank4.15%1 year1000.00

Check the comparison tables for available offers and account-opening links: savings · CDs

RateZip explains how to choose between high-yield savings, CDs, money market accounts, Treasury bills, and CD ladders based on when you need the money and how much liquidity you want.

Historical big-bank CD comparison · 2026-07-21

This historical comparison is not a statement of current rates. Confirm the bank's latest terms, location and relationship requirements before deciding.

BankProductTermAPY
Wells FargoSpecial CD4 months4.00%
Bank of AmericaFeatured CD7 months4.00%
Wells FargoSpecial CD7 months3.50%
ChaseRelationship CD4 months3.30%
Wells FargoSpecial CD11 months3.25%

Source: Fortune major-bank CD roundup. Availability and rates can vary by region and relationship tier.

Rates from our lending partners

Published rates from lenders in the RateZip network. Each lender sets its own assumptions (loan size, credit, points), so these aren't apples-to-apples - treat them as a starting point, not an offer. Partners without a posted rate link straight to a quote.

LenderProductRateAPR
AmeriSave30-Year Fixed5.750%6.224%
New American Funding30-Year Fixed6.625%6.740%
FourLeaf Federal Credit UnionHELOC (variable)6.750%6.750%
Rocket Mortgage30-Year Fixed6.875%7.154%
loanDepotMortgageGet a quote →
West Capital LendingMortgageGet a quote →

Rates come from each lender's public rate page. Not an offer or a commitment to lend; your rate depends on your loan, credit, and property. NMLS 1592292.

About these numbers

The pre-2026 deposit history is reconstructed from rate-change dates for eight nationally marketed online banks (Bask Bank, Capital One, CIT Bank, EverBank, Forbright Bank, Marcus by Goldman Sachs, NexBank, Synchrony Bank), so it reflects the tracked online banks, not every institution in the country. The mortgage lines are the Freddie Mac Primary Mortgage Market Survey weekly national averages for the 30- and 15-year fixed, shown at the last observation in each month - a market benchmark, not any single lender's quote; your rate depends on your credit, down payment and loan. Full provenance on the methodology page.

Citing these figures? Attribute them to "RateZip Rate Index" with a link to this page.

Bank histories & reviews

The banks in these tables have histories - acquisitions, renames, spinoffs. RateZip's lender reviews track where the old names went.

From RateZip's rate tracking: two national lenders quoted the same 30-year fixed a full percentage point apart on the same day, roughly $260 a month and about $93,000 over the life of a $400,000 loan.