Savings · worked example on record
How much is bank loyalty costing you?
The gap between the Effective Federal Funds Rate (4.33%) and the recorded APY your bank pays leaks real money every year. Enter your bank and balance and this worksheet figures your Annual Cost of Inertia from each bank's recorded APY — then ranks it against the most loyal banks on file.
A worked example built from recorded APY readings dated Feb 2026 and a modeled dollar gap — not a live quote, a guaranteed return, or financial advice. APYs move and carry conditions, so confirm the current rate with the bank before you open an account.
Section · The worksheet
Figure your Annual Cost of Inertia
Pick the bank you keep your savings with and enter a balance. The figure below is the recorded yield gap applied to that balance — a worked example, not a live quote.
Select your bank above to figure your Annual Cost of Inertia.
Default example shown for a $10,000 balance. Select your bank above to figure your own Annual Cost of Inertia.
Section · How it's figured
What the worksheet is — and isn't
The math is deliberately plain so you can check it. These are the recorded inputs and the one formula behind every figure above.
- Rate gap
- EFFR − your bank's recorded APY
- Annual cost
- Balance × (rate gap ÷ 100)
- Fed benchmark
- 4.33% EFFR
- Banks on file
- 15 recorded
- Reading dated
- Feb 2026
- Source
- Savings leaderboard ↗
Every figure is a recorded reading applied to a balance you choose — not a live quote, a guaranteed return, or financial advice. APYs change and carry conditions; this worksheet is not live tracking, so confirm the current rate with the bank before you open an account.
Section · How this file stays honest
Watch a rate, or flag a figure
The APYs here are recorded readings and the gap is modeled from them; PriceWorld does not treat this worksheet as live tracking. Watch a rate so you hear before it slips, or flag a figure that looks wrong.
Watch a rate before it slips
Start a Price Passport on a 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 PassportSeen a different rate?
Quality-checkedHelp keep this file honest. Confirm an APY, report a different rate you were actually given, or submit a source — every report opens a verification review and never overwrites a published figure on its own.
- Confirm the rate still matches what the bank pays today.
- Report a different APY you were actually given.
- Submit a link or screenshot that backs the real figure.
See where every bank lands.
The worksheet figures one account; the leaderboard ranks them all by recorded APY and modeled loyalty — dated readings, not a live feed.
Figures are a worked example built from recorded savings-rate readings dated Feb 2026 and a modeled dollar gap. "Annual Cost of Inertia" is the balance multiplied by the gap between the bank's recorded APY and the 4.33% Effective Federal Funds Rate; "extra" compares a top bank's recorded APY against your bank's on the same balance. Nothing here is a live quote, a guaranteed return, a recommendation, or financial advice. APYs change and carry conditions; this worksheet is not live tracking, so confirm the current rate with the bank before you open an account.