Average US Savings Account Rate (2026)
0.42%
FDIC national average savings APY
Summary
The FDIC national average savings account APY is just 0.42% in 2026 — but the top high-yield savings accounts (HYSAs) at online banks pay 4.0-4.5%, roughly 10× the national average. The Fed funds rate at 4.50% caps how high HYSA APYs can go without bank losses.
Breakdown
Source
FDIC National Rates· As of 2026-Q1
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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.