5.00% Savings and Starter CDs Stand Out; 61 Matched Bank Rates Remain Unchanged

Executive summary. The refresh expanded verified coverage from 122 to 124 institutions and appended 212 first-party

observations. All 61 dated exact-comparable products retained their prior APYs; no increase or cut qualified. Newly captured

opportunities include Axos ONE promotional savings at 5.00% and Apple FCU’s capped 12-month Starter Certificate at 5.00%.

New captures are not verified rate changes.

1 / Rate Environment

Deposit pricing was stable within the matched panel: 0 increases, 61 unchanged and 0 cuts (0% / 100% / 0%). This partial, nonrandom

refresh cannot establish a nationwide trend. Borrowing signals were mixed: two-, five- and ten-year Treasury yields each rose four basis

points on October 23, while the latest weekly 30-year mortgage average fell eight basis points.

2 / Today’s Numbers

Official benchmark

Latest

As of

Tracked deposit metric

Latest

Effective fed funds

3.88%

Oct 22

Savings Index v2.2

3.03% APY (12)

SOFR

3.90%

Oct 22

12-month CD Index v2.2

3.85% APY (10)

Bank prime

7.00%

Oct 22

Best Cash Yield

5.00% APY*

2-year Treasury

4.69%

Oct 23

Qualified ongoing savings

4.21% APY*

5-year Treasury

4.82%

Oct 23

Best fresh money market

4.00% APY

10-year Treasury

5.00%

Oct 23

Best standard CD

4.87% APY*

30-year mortgage

7.32%

Oct 22

Best capped special CD

5.00% APY*

15-year mortgage

6.68%

Oct 22

*Promotional, membership, activity, balance-cap or minimum-deposit requirements apply. SOFR effective Oct 22, published Oct 23.

3 / Biggest Verified Moves

No qualifying increase or cut. The 61 unchanged dated matches comprise Navy Federal (25), Bank5 Connect (11), Northpointe (11),

Marcus (9) and Delta Community (5). Another 36 Bank of Greene County exact-key matches were excluded: 34 undated and two stale.

New institutions establish baselines, not changes.

Direction

Comparable products

Share

Increasing

0

0.0%

Unchanged

61

100.0%

Decreasing

0

0.0%

Seven-day audit (Oct 18–24): 3 increases, 328 unchanged comparisons, 0 cuts. Repeated daily observations are included; this is not a count of unique

products. The largest increase in that window was Bank5 Connect’s 3-month CD, +110 bp, captured Oct 23.

ONLINEBANKRATES.COM

DAILY RATE INTELLIGENCE | OCT 24, 2026

Official benchmarks + first-party institution disclosures | APYs subject to change

2

4 / Where Savers Are Winning

Product

Fresh tracked leader

APY

Conditions

Promotional savings

Axos ONE Savings

5.00%

New customers; 6 cycles; below $50k; qualifying

activity

Capped savings

MSU FCU Savings Builder

5.00%

First $999.99; membership / eligibility

Ongoing qualified savings

Axos ONE Savings

4.21%

Checking / direct-deposit conditions

Introductory savings

First National Bank of America

4.20%

New money; 6-month introductory period

Money market

Bank5 Connect

4.00%

$100 min.; above $1m earns no interest

3-month CD

Bank5 Connect

4.30%

$500 minimum

6-month standard CD

FNBA / Hanscom FCU

4.00%

Minimum / membership rules

12-month standard CD

Hanscom FCU

4.50%

Membership required

12-month capped special

Apple FCU Starter

5.00%

$50 opening; $5,000 cap; one per member

24-month standard CD

Marcus / FNBA

4.40%

Standard account terms

60-month jumbo CD

Advancial FCU

4.87%

$50,000 minimum; membership

120-month standard CD

FNBA

4.75%

Ten-year commitment

Freshness matters. Happen Bank’s previously reported 4.76% 24-month CD is now aging and excluded from today’s fresh leaderboard; that is not a verified

cut. Apple’s 5.00% Coverdell ESA is education-specific and excluded from the consumer savings index.

5 / Borrower Watch

Freddie Mac’s Oct 22 survey puts the 30-year fixed mortgage average at 7.32% (down 8 bp week over week) and the 15-year at 6.68%

(down 3 bp). SOFR rose 2 bp to 3.90% on Oct 22; prime remained at 7.00%. The indicative 30-year mortgage less 10-year Treasury

spread is 232 bp (7.32% - 5.00%), versus 236 bp using the prior Treasury observation. This cross-date difference is not a quoted lender

margin.

6 / Yield Curve / CD Strategy

Maturity

Best fresh standard CD

Treasury (Oct 23)

Nominal advantage

6 months

4.00%

4.30%

Treasury +30 bp

1 year

4.50%

4.44%

CD +6 bp

2 years

4.40%

4.69%

Treasury +29 bp

5 years

4.87%

4.82%

CD +5 bp (jumbo)

10 years

4.75%

5.00%

Treasury +25 bp

The 2s10s Treasury curve slopes upward by 31 bp. The capped 5.00% Apple 12-month Starter certificate is a separate special, not a standard CD-index

constituent. CDs, Treasuries and liquid savings differ in liquidity, taxation, insurance, early-withdrawal penalties and market-price exposure.

ONLINEBANKRATES.COM

DAILY RATE INTELLIGENCE | OCT 24, 2026

Official benchmarks + first-party institution disclosures | APYs subject to change

3

7 / Bank Behavior

Fresh institution-level panel

Online / digital banks

Credit unions

Average leading consumer savings APY

3.67% (6 institutions)

2.39% (6 institutions)

Average standard 12-month CD APY

4.03% (4 institutions)

3.73% (6 institutions)

Verified increases / cuts today

0 / 0

0 / 0

The samples are small and nonrandom, and credit-union figures include low-yield basic share accounts. No group can be identified as moving rates fastest

when the audit shows no qualified movements. Comparable fresh coverage of large traditional banks remains insufficient.

8 / OnlineBankRates Takeaway

Saturday’s refresh adds two credit unions and 212 first-party observations, but it does not show a wave of repricing. All 61 dated, exactly

comparable product observations retained their prior APYs; the 5.00% rates highlighted today are fresh discoveries, not verified

increases. Axos offers a six-month 5.00% promotional savings APY on qualifying balances below $50,000, subject to checking activity

and new-customer requirements. Apple Federal Credit Union offers a 5.00% 12-month Starter Certificate capped at $5,000, with

membership restrictions. For less specialized accounts, the strongest tracked standard 12-month certificate pays 4.50%, while a five-year

jumbo reaches 4.87% with a $50,000 minimum. Treasury yields rebounded modestly Friday, and the latest 30-year mortgage average

eased to 7.32%. Check effective dates, qualification rules and liquidity before acting.

9 / OnlineBankRates Proprietary Metrics

Metric

Oct 23

Oct 24

Interpretation

Savings Index v2.2

3.06%

3.03%

12 fresh institutions

12-month CD Index v2.2

3.81%

3.85%

10 eligible institutions

Rate Breadth: up / flat / down

1 / 10 / 0

0 / 61 / 0

Dated exact-comparable products

Best Cash Yield

5.00%

5.00%

Capped / promotional terms

Fed Pass-Through Score

Pending

Pending

Matched pre/post-policy cohort missing

Online-vs-National Premium

Pending

Pending

Large-bank comparison cohort missing

Savings Index: -3 bp; 12-month CD Index: +4 bp. These are fresh cross-sectional panel movements, not verified same-bank repricing. Published historical

values and methodology versions are preserved in the accompanying CSV.

ONLINEBANKRATES.COM

DAILY RATE INTELLIGENCE | OCT 24, 2026

Official benchmarks + first-party institution disclosures | APYs subject to change

4

10 / Data Coverage and Quality

Coverage measure

Oct 24

Coverage measure

Oct 24

Institutions before 5 a.m.

122

New verified institutions

2

Ending verified institutions

124

Observations appended

212

New-institution baselines

66

Other observations appended

146

Historical Bank Verified rows

4,964

Current production rows

3,343

Bank Verified production

3,343

Third Party Verified

0

Fresh observations

635

Aging observations

1,692

Stale observations

568

Undated observations

448

Known official source URLs

220

Known URLs attempted

15

Known URLs not checked

205

Total sources attempted

24

Numerical source recaptures

13

Retrieval / transport failures

0

Dynamic numerical blockers

4

Remaining discovery queue

97

Newly verified: Apple Federal Credit Union (62 observations) and Suncoast Credit Union (4). Four numeric-source blocks involved Mountain America CU,

Merrick Bank, Members 1st FCU and RBFCU. No third-party quotes were substituted. Only 15 of 220 previously registered official URLs were rechecked: this

is a partial refresh, not a full census.

/ Methodology / Quality Disclosure

Verification and freshness. Bank Verified means the institution-owned official source was opened and numerically captured; Third Party Verified is separately

labeled and none are used here. Fresh means an official effective date within seven calendar days; aging is 8–30 days; stale is older than 30 days; undated is

segregated.

Exact comparisons. Rate Breadth requires matching institution, product, maturity, balance tier, minimum opening deposit, relationship and geographic

eligibility, plus a dated prior and nonstale current observation. New products establish baselines. The 61 unchanged observations are documented in the audit

CSV.

Indexes, version 2.2. Savings Index: arithmetic mean of each institution’s highest eligible fresh consumer savings APY, excluding business, IRA, youth,

education and HSA accounts. CD Index: mean of each institution’s highest eligible fresh exact-12-month standard certificate APY, including jumbo tiers but

excluding capped Starter/EasyStart and retirement/business-only products. Best Cash Yield: maximum eligible fresh consumer savings APY, with restrictions

disclosed.

Pending metrics. Fed Pass-Through Score will be the median matched-product APY change divided by the effective fed-funds change across a fixed

pre/post-policy cohort (at least 20 products and five institutions). Online-vs-National Bank Premium will compare online and large-national-bank mean leading

fresh comparable savings APYs in basis points (at least five institutions in each group). Neither threshold is met.

/ Source Notes

U.S. Treasury daily par yield curve (Oct 23)

Federal Reserve H.15 release (Oct 23)

New York Fed SOFR reference rates

Freddie Mac PMMS archive (Oct 22)

Axos ONE product terms

Apple FCU official rates

Bank5 Connect official rates

First National Bank of America rates

Primary institution dataset: OnlineBankRates completed 5 a.m. first-party collection, Oct 24, 2026; run summary, append-only observations, current production

rows, official-source evidence and rate audit. Rates may change; this publication is informational, not personalized financial advice.