Savings · APY vs the Fed, on record

Which banks keep their rate promise.

A public, dated record of what 15 US banks pay on savings — the recorded APY, how far it sits below the Effective Federal Funds Rate (4.33% as of Feb 2026), how much it has moved since Aug 2025, and the dollar yield gap on a $10k balance. Every bank advertises a high rate; this file ranks who treats you fairly once the Fed moves, not just who is highest this week.

Each figure is a recorded reading, dated Feb 2026; the Rate Loyalty Score is PriceWorld's own modeled reading of Fed pass-through, not an external rating. Not a live feed and not a quote; APYs change, so confirm the current rate with the bank before you open an account.

What this file holds

APY: The yield each bank is recorded to pay on its primary savings account.
Gap vs Fed: How far that yield sits below the Effective Federal Funds Rate.
Change: How much the recorded APY has moved since Aug 2025.
Loyalty: A modeled score for how fairly a bank passes Fed moves through.

Section · The record

Savings APY, by bank

Ranked by Rate Loyalty Score — PriceWorld's modeled reading of how fairly each bank passes Fed moves through. 15 of 15 have a recorded APY cut since Aug 2025. The score is modeled, the APYs are recorded readings, and this index is not live tracking.

Savings APY ranked by Rate Loyalty Score · recorded readings, dated Feb 2026
Bank	APY	Gap vs Fed	Since Aug 2025	$10k yield gap	Loyalty	Insured
SoFi Mobile-first savers	3.80%	0.53% below	0.80%	$53/yr	88 · Good	FDIC
Bread Savings Rate-loyal savers	4.50%	0.17% above	0.65%	—	86 · Good	FDIC
Bask Bank Traditional + HYSA	4.00%	0.33% below	1.10%	$33/yr	82 · Good	FDIC
CIT Bank Rate-loyal savers	4.35%	0.02% above	0.70%	—	81 · Good	FDIC
Popular Direct Rate-loyal savers	4.40%	0.07% above	0.80%	—	81 · Good	FDIC
Barclays Rate-loyal savers	4.10%	0.23% below	1.00%	$23/yr	75 · Good	FDIC
Wealthfront Mobile-first savers	4.00%	0.33% below	1.00%	$33/yr	74 · Fair	FDIC
American Express HYSA Traditional + HYSA	3.90%	0.43% below	0.95%	$43/yr	71 · Fair	FDIC
Discover Traditional + HYSA	3.75%	0.58% below	1.00%	$58/yr	68 · Fair	FDIC
TAB Bank Traditional + HYSA	4.01%	0.32% below	1.26%	$32/yr	60 · Fair	FDIC
Capital One 360 Traditional + HYSA	3.80%	0.53% below	1.20%	$53/yr	58 · Fair	FDIC
Marcus by Goldman Sachs Traditional + HYSA	3.90%	0.43% below	1.20%	$43/yr	56 · Fair	FDIC
Betterment Mobile-first savers	3.75%	0.58% below	1.25%	$58/yr	55 · Fair	FDIC
Ally Bank Traditional + HYSA	3.80%	0.53% below	1.20%	$53/yr	54 · Fair	FDIC
UFB Direct Traditional + HYSA	3.70%	0.63% below	1.55%	$63/yr	36 · Poor	FDIC

The gap is measured against the Effective Federal Funds Rate (4.33%); the $10k yield gap is that gap applied to a $10,000 balance for one year. A bank at or above the Fed shows a dash. Figures are recorded readings dated Feb 2026, not a live quote — confirm the current APY with the bank before you buy.

Section · Open a bank's file

The 15 banks on record

Each file holds the bank's recorded APY, its gap to the Fed, the recorded change since Aug 2025 and its Rate Loyalty reading. Open one to see the full record.

Section · What the headline rate hides

Where a savings yield leaks

The advertised APY is rarely the yield you keep earning. These are the patterns that move the real return on a balance.

Rate decay

Banks often trim a savings APY quietly after a Fed cut — or while the Fed holds steady. In this file UFB Direct is recorded moving from 5.25% to 3.70% APY since Aug 2025.

The Fed gap

When the Fed moves, banks tend to cut faster than they raise. The gap between a bank's APY and the Effective Federal Funds Rate (4.33%) is where the yield quietly leaks, balance after balance.

Teaser & tiered rates

A headline APY can apply only to a promotional window or a first balance band. Some accounts also need a minimum balance to earn the rate on the sticker, so the yield you actually receive can be lower.

Yield in dollars

A 0.50% gap reads as nothing until it is dollars. On a $10,000 balance that is about $50 a year, and a wider gap on a larger balance compounds the leak — which is why this file shows the dollar figure.

Section · How this file stays honest

Source, passport and corrections

APYs here are recorded readings and the Rate Loyalty Score is modeled from each bank's recorded rate history; PriceWorld does not treat this index as live tracking. Watch a rate so you hear before it changes, or flag a figure that looks wrong.

SoFi 88 · Good
Bread Savings 86 · Good
Bask Bank 82 · Good
CIT Bank 81 · Good
Popular Direct 81 · Good
Barclays 75 · Good
Wealthfront 74 · Fair
American Express HYSA 71 · Fair
Discover 68 · Fair
TAB Bank 60 · Fair
Capital One 360 58 · Fair
Marcus by Goldman Sachs 56 · Fair
Betterment 55 · Fair
Ally Bank 54 · Fair
UFB Direct 36 · Poor

Watch a rate before it slips

Start a Price Passport on your bank's savings account and we'll alert you when its recorded APY changes — we tell you, not the bank. Free early access; preview environments don't save an email.

Free early access · we alert you, not the bank · unsubscribe anytime.

Start a Price Passport

Seen a different APY?

Quality-checked

Help keep these readings honest. Confirm a rate, report a different APY you were actually paid, or submit a source — every report opens a verification review and never overwrites a published figure on its own.

Confirm it still matches what the bank pays today.
Report a different APY you saw on your statement.
Submit a link or screenshot that backs the real figure.

Flag a savings rate

See what your rate really earns.

The figures here are dated, recorded readings — confirm the current APY with your bank, then run the numbers on your own balance.

Open the lost-yield calculator Browse all categories

Figures are recorded savings readings, each dated Feb 2026. The gap is measured against the Effective Federal Funds Rate (4.33%) and the $10k yield gap is that gap applied to a $10,000 balance for one year. The Rate Loyalty Score is PriceWorld's own modeled reading of Fed pass-through, derived from each bank's recorded rate history — not an external rating, not a recommendation, and not a promise of accuracy. APYs change and may carry balance or promotional conditions; this index is not live tracking, so confirm the current rate with the bank before you open an account.