108 Matched Deposit Rates Hold Steady as Treasury Yields Stay Elevated

VERIFIED INSTITUTIONS

STRICT RATE BREADTH

BEST FRESH CASH YIELD

139 (+5)

0 up / 108 flat / 0 down

5.00% APY | conditional

Executive Summary

OnlineBankRates expanded coverage from 134 to 139 verified institutions and appended 211 first-party observations.

In 108 strictly comparable, independently dated products, no APYs increased or declined. Newly discovered offers are

baseline observations, not rate changes. Fresh savings reaches 5.00% on a conditional promotion; the leading fresh

standard CD reaches 4.87% for a five-year jumbo certificate with a $50,000 minimum.

1 / Rate Environment

Deposit pricing was stable in the measured matched panel: 0.0% increases, 100.0% unchanged and 0.0% cuts. The

partial, nonrandom panel does not establish nationwide stability. Borrowing benchmarks were mixed: the two-year

Treasury declined 1 bp, the five-year increased 2 bp, the ten-year held steady, and the latest weekly 30-year mortgage

average declined 8 bp.

2 / Today's Numbers

OFFICIAL BENCHMARK / TRACKED INDEX

LATEST

OBSERVATION DATE

Effective federal funds / SOFR

3.88% / 3.93%

Oct 23 EFFR / Oct 26 SOFR

Bank prime

7.00%

Oct 23 (Fed H.15)

2Y / 5Y / 10Y Treasury

4.68% / 4.84% / 5.00%

Oct 26 (U.S. Treasury)

6-month / 1-year Treasury

4.35% / 4.47%

Oct 26

30Y / 15Y mortgage (Freddie Mac)

7.32% / 6.68%

Oct 22 weekly survey

OBR Savings Index v2.2

2.57% APY

10 fresh institutions

OBR 12-month CD Index v2.2

3.82% APY

9 fresh institutions

Best cash / money market

5.00% / 4.00% APY

Conditional savings / Bank5

Best 12-month / 60-month CD

4.45% / 4.87% APY

FNBA / Advancial jumbo

EFFR for Oct 26 was not independently confirmed at publication cutoff; Oct 23 is the latest confirmed value. Overnight and weekly

benchmarks have different release calendars.

3 / Biggest Verified Moves

TODAY: 0 increases, 108 unchanged, 0 cuts. Every included product matched the same institution, product, term,

balance tier, relationship and geographic eligibility against a prior independently dated official observation. Two

unchanged Alliant recaptures lacked a newer source-effective date and were excluded.

SEVEN DAYS (OCT 21-27): 6 increase events, 330 unchanged comparison events and 0 cuts. The largest increase was

Bank5 Connect's 3-month CD (+110 bp, 3.20% to 4.30%, observed Oct 23). Other increases were America First CU

(+20 bp on a 24-29-month certificate, Oct 21; +10 bp on a 60-month certificate, Oct 22) and three Ally products (+10

bp each, Oct 25). Daily events may repeat products; they are not unique nationwide counts.

ONLINEBANKRATES.COM

DAILY RATE INTELLIGENCE | OCT 27, 2026

FIRST-PARTY RATE INTELLIGENCE | PARTIAL REFRESH | GENERAL INFORMATION

PAGE 2

4 / Where Savers Are Winning

CATEGORY / INSTITUTION

FRESH APY

CONDITIONS / MATURITY

Axos ONE promotional savings

5.00%

Six-month new-customer promotion; qualifying

checking activity

FNBA introductory savings

4.20%

New money; introductory six months

Bank5 Connect money market

4.00%

$100 minimum; tracked tier

Bank5 Connect 3-month CD

4.30%

$500 minimum

OMB Bank 9-month CD

4.46%

Special; Oct 23 effective date

FNBA 12-month CD special

4.45%

$1,000 minimum

OMB Bank 21-month CD special

4.65%

Special; Oct 23 effective date

Marcus / FNBA 24-month CD

4.40%

Standard exact-24-month offers

Advancial 60-month jumbo CD

4.87%

$50,000 minimum; membership

FNBA 120-month CD

4.75%

$1,000 minimum; 10-year term

Separate restricted special: Apple FCU 12-month Starter Certificate at 5.00%, capped at $5,000, excluded from the standard CD Index. New

Accordia, Idaho Central, FourLeaf, Mountain America and RBFCU observations are undated or outside the seven-day fresh window and are

not current leaders.

5 / Borrower Watch

The Freddie Mac 30-year mortgage average is 7.32% (Oct 22), down 8 bp week over week; the 15-year average is

6.68%, down 3 bp. The indicative 30-year mortgage-to-10-year Treasury spread is 232 bp, using non-synchronous Oct

22 and Oct 26 readings. Prime remains 7.00%; SOFR is 3.93% (Oct 26), 1 bp above Oct 23.

6 / Yield Curve and CD Strategy

TERM

BEST FRESH CD

TREASURY OCT 26

CD LESS TREASURY

3 months

4.30%

4.18%

+12 bp

6 months

4.00%

4.35%

-35 bp

12 months

4.45%

4.47%

-2 bp

24 months

4.40%

4.68%

-28 bp

60 months (jumbo)

4.87%

4.84%

+3 bp

120 months

4.75%

5.00%

-25 bp

The Treasury curve is upward sloping (10Y minus 2Y: +32 bp). The strongest 3-month CD and jumbo 5-year certificate

slightly exceed matched Treasury par yields, while 6-month, 2-year and 10-year Treasuries retain nominal advantages.

Liquid savings APYs may reset; CDs may have early-withdrawal penalties; Treasuries differ in tax treatment and

market-price exposure. This is not individualized advice.

ONLINEBANKRATES.COM

DAILY RATE INTELLIGENCE | OCT 27, 2026

FIRST-PARTY RATE INTELLIGENCE | PARTIAL REFRESH | GENERAL INFORMATION

PAGE 3

7 / Bank Behavior

FRESH ELIGIBLE PANEL

ONLINE BANKS

CREDIT UNIONS

LARGE BANKS

Leading savings APY, mean

3.68% (n=6)

0.89% (n=4)

Insufficient

Leading 12-month CD APY, mean

3.96% (n=5)

3.66% (n=4)

Insufficient

Strict rate moves today

32 unchanged

76 unchanged

None

Small nonrandom panels: credit unions include basic low-yield shares; online leaders include promotional offers. No category repriced in the

strict matched panel, so no group can be labeled the fastest mover.

8 / OnlineBankRates Takeaway

Today's first-party refresh found no verified deposit-rate increases or cuts among 108 strictly matched products. Five

institutions joined the database, but their initial rates are not evidence of repricing, and several new offers lack usable

effective dates. For liquid savings, the highest fresh observed APY is 5.00% at Axos, subject to a six-month

new-customer promotion and checking activity; a 4.20% introductory savings offer is also available. For CDs, a 4.45%

one-year special and a 4.87% five-year jumbo certificate stand out, although the latter requires $50,000. Two-year

Treasuries yield 4.68%, while the latest 30-year mortgage average remains 7.32%. The OnlineBankRates savings index

slipped as its fresh institution panel narrowed, not because matched banks cut rates. Compare effective dates, balance

caps, eligibility, taxes and withdrawal restrictions before choosing an account.

9 / Proprietary Metrics

PROPRIETARY MEASURE

OCT 26

OCT 27

READ-THROUGH

Savings Index v2.2

2.67%

2.57%

-10 bp; panel composition

12-month CD Index v2.2

3.75%

3.82%

+7 bp; panel composition

Breadth: up / unchanged / down

0 / 14 / 0

0 / 108 / 0

100% unchanged today

Best Cash Yield

5.00%

5.00%

Conditional promotion

Fed Pass-Through Score

Not published

Not published

Matched cohort insufficient

Online-vs-National Premium

Not published

Not published

Large-bank panel insufficient

Savings Index: unweighted mean of the best fresh eligible adult consumer savings APY per institution, excluding youth,

IRA, business and education products. CD Index: unweighted mean of best fresh exact-12-month standard consumer

certificates, excluding capped starter/EasyStart specials, youth, IRA and business products. Best Cash Yield: highest

fresh savings or money-market APY, including conditional promotions. Breadth: exact comparable increases /

unchanged / cuts; only newer official source-effective dates qualify.

Future Fed Pass-Through Score: matched 30-day deposit-rate cohort movement as a percentage of a verified Fed policy move.

Online-vs-National Premium: matched online-minus-national savings APY in basis points. Both withheld until sample completeness and

comparability support publication.

ONLINEBANKRATES.COM

DAILY RATE INTELLIGENCE | OCT 27, 2026

FIRST-PARTY RATE INTELLIGENCE | PARTIAL REFRESH | GENERAL INFORMATION

PAGE 4

10 / Data Coverage and Source Health

COLLECTION METRIC

OCT 27

COLLECTION METRIC

OCT 27

Institutions start / new / end

134 / 5 / 139

New observations appended

211

Historical Bank Verified rows

5,488

Current Bank Verified rows

3,706

Third Party Verified rows

0

Remaining discovery queue

108

Fresh 0-7d / aging 8-30d

451 / 1,968

Stale 31+d / undated

708 / 579

Collector raw stale 22+d

1,398

Known URLs checked

14 / 256

Official URLs attempted

28

Numerical captures

18

Retrieval failures

2

Known URLs not rechecked

242

Five newly verified institutions: Accordia Bank, FourLeaf Federal Credit Union, Idaho Central Credit Union, Mountain

America Credit Union and Randolph-Brooks Federal Credit Union. Two official-source retrievals failed: Georgia's Own

Credit Union and FAIRWINDS Credit Union. No third-party rate values were substituted.

QUALITY RECONCILIATION: The Oct 27 collection labels observations stale after 21 days, whereas prior published briefs

define stale as 31+ days. We therefore restated standardized aging (8-30 days) to 1,968 and stale (31+ days) to 708.

The collector's raw stale 1,398 includes 690 observations aged 22-30 days; all 3,706 production rows reconcile. The

seven-day fresh panel and v2.2 indexes are unaffected.

Data / Methodology Disclosure

Institution-level offers are from the completed Oct 27 first-party OnlineBankRates dataset. Bank Verified means institution-owned source

provenance, not universal eligibility or current availability. Fresh=0-7 days, aging=8-30, stale=31+, undated=no reliable effective date.

Only 14 of 256 registered sources were rechecked. Exact-comparable changes require matching institution/product/term/tier/eligibility and

independently dated disclosures. The tracked sample is nonrandom; APYs and terms can change without notice. This is general information,

not financial advice.

Official Benchmark and Selected Bank Sources

U.S. Treasury, Oct 26: home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve

New York Fed SOFR, Oct 26: markets.newyorkfed.org/api/rates/secured/sofr/last/5.json

Federal Reserve H.15, Oct 23 EFFR and prime: federalreserve.gov/releases/h15/

Freddie Mac PMMS, Oct 22: freddiemac.com/pmms/archive

Bank5: bank5connect.com/rates | Advancial: advancial.org/rates | Marcus: marcus.com/us/en/savings/high-yield-cds/cd-rates

Axos: axosbank.com | FNBA: fnba.com/deposit-rates/online/ | OMB: omb.bank | Apple FCU: applefcu.org