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Rates

National Average Savings Account Rate

The national average interest rate paid on a standard savings account, collected by the FDIC.

0.38%+0.00%Reading dated 2026-08-01 · Federal Reserve data
Week change
0.00 pts
Month change
0.00 pts
Year change
−0.01 pts
12-month range
0.38–0.40%
Where it stands

The national average savings account rate has barely moved over the past month, holding near 0.38%.

That is 0.01 percentage points below where it stood a year ago.

Today's reading sits at the bottom of its 12-month range of 0.38% to 0.40%.

What it means in money

At 0.38%, $10,000 in an average savings account earns about $38 over a year.

Run your own numbersRetirement savings projectorWhat today's contributions are worth by the year you stop working.
Terms on this page
APYCompound interest
Common questions
What is the national average savings account rate today?
The national average savings account rate is 0.38%, based on the latest Federal Reserve data.
How often does the national average savings account rate change?
We refresh this figure daily from Federal Reserve Economic Data. The underlying series itself updates daily, weekly or monthly depending on the rate.
Is this the rate I will be offered?
No. This is a national average. The rate you are quoted depends on your credit profile, the loan term, your down payment and the individual lender.
Other rates
30-Year Fixed Mortgage Rate6.76%15-Year Fixed Mortgage Rate6.09%Bank Prime Loan Rate6.75%Average Credit Card Interest Rate20.94%Federal Funds Rate3.63%10-Year Treasury Yield4.95%

Source: Federal Reserve Economic Data, series SNDR. National average, not a personalised quote.