Ally Raises Savings and Money-Market APYs as Most Verified Deposit Rates Hold

Executive summary. The completed 5 a.m. first-party discovery/refresh expanded the tracked database from 124 to 129 verified institutions

and appended 135 Bank Verified observations. Among 18 audited comparable products, three increased 10 basis points each and 15 were

unchanged; no cuts were verified. All three increases were at Ally Bank and reflect October 23 effective rates, not a change implemented

Sunday. Five newly discovered institutions add coverage, including OMB Bank's fresh 21-month 4.65% CD special. This was a partial refresh,

not a nationwide census.

1. Rate Environment

Deposit rates are predominantly stable in the audited panel, with 3 increases (16.7%), 15 unchanged (83.3%) and no cuts; the increases all

came from one institution, so the result cannot establish broad nationwide direction. Borrowing signals are mixed: Treasury yields rose on

Friday, October 23, while Freddie Mac's latest weekly 30-year mortgage average declined eight basis points.

2. Today's Numbers

Official benchmark or proprietary metric

Rate

Effective/as-of date

Effective federal funds

3.88%

Oct 22, published Oct 23

SOFR

3.90%

Oct 22, published Oct 23

Bank prime loan rate

7.00%

Latest Federal Reserve H.15 release

2-year Treasury

4.69%

Oct 23

5-year Treasury

4.82%

Oct 23

10-year Treasury

5.00%

Oct 23

30-year fixed mortgage

7.32%

Oct 22 Freddie Mac PMMS

15-year fixed mortgage

6.68%

Oct 22 Freddie Mac PMMS

OBR Savings Index v2.2

3.11% APY

11 fresh institutions

OBR 12-Month CD Index v2.2

3.77% APY

10 fresh institutions

Best Cash Yield

5.00% APY

Restricted promotional/capped savings

Best fresh money market

4.00% APY

Bank5 Connect

Best standard 12-month CD

4.45% APY

First National Bank of America

Best fresh CD overall

4.87% APY

Advancial 60-month jumbo; $50,000

minimum

Best capped 12-month special

5.00% APY

Apple FCU Starter; $5,000 cap

Weekend publication uses the most recent available business-day official benchmark observations; no Sunday benchmark movement is inferred.

Treasury, NY Fed SOFR, NY Fed EFFR, Fed H.15, Freddie Mac.

3. Biggest Verified Moves

Institution / exact-comparable product

Prior APY

Latest APY

Verified difference

Ally Bank - Online Savings

3.10% (Oct 22)

3.20% (Oct 23)

+10 bp

Ally Bank - Money Market

3.10% (Oct 16)

3.20% (Oct 23)

+10 bp

Ally Bank - IRA Savings

3.10% (Oct 15)

3.20% (Oct 23)

+10 bp

Other audited products

15 unchanged; 0 cuts

The 15 unchanged comparisons comprise Bank5 Connect (11), Marcus (2), Advancial (1) and Apple FCU (1). Equivalent naming and nationwide

eligibility wording were normalized only where product, term, tier and requirements were substantively identical. Alliant's aging disclosures,

undated prior Peak Bank records and other unmatched baselines were excluded. Ally official rates.

ONLINEBANKRATES.COM

RATE INTELLIGENCE | 2026-10-25 | 2

Seven-day comparison (October 19-25): 6 increases, 311 unchanged observations, 0 cuts. These are daily audit events, including repeated

products, not 317 unique bank products or a national market share. The largest seven-day verified increase remains Bank5 Connect's

three-month CD, +110 bp between dated observations, captured October 23; no qualifying cuts were recorded. New bank quotes are not

counted as increases.

4. Where Savers Are Winning

Category

Fresh verified offer

APY

Important qualification

Promotional savings

Axos ONE Savings

5.00%

New customers; six statement cycles;

under $50,000 and qualifying activity

Limited-balance savings

MSU FCU Savings Builder

5.00%

First $999.99; membership

Introductory liquid savings

First National Bank of

America

4.20%

Six-month introductory new-money

period

Money market

Bank5 Connect

4.00%

Above $1 million earns no interest

3-month CD

Bank5 Connect

4.30%

$500 minimum

5-month special

OMB Bank

4.41%

$1,000 minimum; promotional term

9-month CD

OMB Bank

4.46%

$1,000 minimum

Standard 12-month CD

First National Bank of

America

4.45%

$1,000 minimum

Capped 12-month Starter

Apple Federal Credit Union

5.00%

$5,000 cap; one per member

21-month special

OMB Bank

4.65%

$1,000 minimum; promotion

Standard 24-month CD

Marcus / First National

Bank of America

4.40%

Minimums and early-withdrawal

terms

60-month jumbo certificate

Advancial Federal Credit

Union

4.87%

$50,000 minimum; membership

120-month CD

First National Bank of

America

4.75%

Ten-year commitment

The new OMB Bank 21-month CD is a newly captured baseline, not a verified increase. Its individual product page failed retrieval, but the

4.65% APY was verified on the bank's official master rate table. Bank of Hope's captured offers were aging, Hyperion's undated, and

Ponce/Regent disclosures stale; they were not promoted as fresh leaders. OMB Bank official CD table.

5. Borrower Watch

Freddie Mac's October 22 survey puts the 30-year fixed mortgage average at 7.32% (-8 bp week over week) and the 15-year at 6.68% (-3 bp).

Using the October 23 10-year Treasury yield of 5.00%, the indicative mortgage-to-Treasury spread is 232 bp. SOFR was 3.90% on October 22

(+2 bp from October 21); prime held at 7.00%, about 312 bp above EFFR. These are benchmark comparisons, not loan offers or lender margins.

6. Yield Curve / CD Strategy

Maturity

Strongest fresh standard

CD

Treasury par yield, Oct

23

Nominal difference

6 months

4.00%

4.30%

Treasury +30 bp

1 year

4.45%

4.44%

CD +1 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 2-to-10-year Treasury slope is +31 bp. A 5.00% capped Apple Starter CD is shown separately from standard 12-month certificates. Liquid

savings may have higher promotional APYs but different caps and rate-reset risk. CDs, Treasuries and savings accounts differ in insurance,

liquidity, tax treatment, early-withdrawal penalties and market-price exposure; this comparison is not individualized financial advice.

ONLINEBANKRATES.COM

RATE INTELLIGENCE | 2026-10-25 | 3

7. Bank Behavior

Fresh institution-level sample

Online/digital banks

Credit unions

Mean leading consumer savings APY

3.68% (6)

2.42% (5)

Mean eligible standard 12-month CD APY

3.96% (5)

3.57% (5)

Audited increases / unchanged / cuts

3 / 13 / 0

0 / 2 / 0

The three observed increases were at online-oriented Ally Bank (including one IRA product). The two credit-union comparisons were

unchanged. This does not prove online banks are repricing fastest: sample sizes, product mixes and refresh coverage are highly uneven. The

sample includes basic low-yield credit-union share accounts, and a reliable large traditional-bank comparison group is unavailable.

8. OnlineBankRates Takeaway

Sunday's bank-rate refresh found three verified increases, all at Ally Bank: its online savings, money-market and IRA savings

APYs rose from 3.10% to 3.20% between comparable dated disclosures. The other 15 audited products held steady, so this is

not evidence of a nationwide increase. Five institutions joined the database, but their initial quotes are baselines, not rate

changes. The strongest fresh savings headline remains 5.00%, available through limited-balance or qualifying promotional

accounts. For CDs, a 21-month OMB Bank special offers 4.65%, while a five-year jumbo certificate reaches 4.87% with a

$50,000 minimum. Treasury yields rose Friday, and the latest 30-year mortgage average eased to 7.32%. Compare eligibility,

caps, penalties and disclosure dates before relying on an advertised yield.

9. OnlineBankRates Proprietary Metrics

Metric

Oct 24

Oct 25

Interpretation

Savings Index v2.2

3.03%

3.11%

11-institution fresh consumer panel

12-Month CD Index v2.2

3.85%

3.77%

10-institution eligible standard panel

Bank Rate Breadth: increase / unchanged / cut

0 / 61 / 0

3 / 15 / 0

18 audited dated comparable

products

Best Cash Yield

5.00%

5.00%

Highest fresh eligible savings APY,

restrictions disclosed

Fed Pass-Through Score

Pending

Pending

Insufficient fixed pre/post-policy

matched cohort

Online-vs-National Premium

Pending

Pending

Insufficient large traditional-bank

comparison cohort

The Savings Index increased 8 bp, while the 12-month CD Index decreased 8 bp. Both index changes reflect changing fresh institution coverage

(notably the expiration of Hanscom's fresh status and a newly dated Peak Bank quote), not proof of same-product rate repricing. The

methodology remains v2.2; previous published values and version changes are preserved without retroactive overwrites.

ONLINEBANKRATES.COM

RATE INTELLIGENCE | 2026-10-25 | 4

10. Data Coverage and Quality

Measure

October 25 result

Verified institutions before 5 a.m. refresh

124

Newly verified institutions

5

Ending verified institutions

129

Bank Verified observations appended

135

Historical Bank Verified observations

5,099

Current Bank Verified production observations

3,431

Third Party Verified production observations

0

Fresh / aging / stale / undated observations

577 / 1,770 / 600 / 484

Strict audited comparable observations

18

Previously registered official URLs

229

Registered URLs checked / not checked

18 / 211

Total official sources attempted

43

Official sources numerically recaptured

31

Official-source retrieval failures

3

Remaining discovery queue

103

Newly verified institutions: Bank of Hope, Hyperion Bank, OMB Bank, Ponce Bank and Regent Bank. The three source retrieval failures were

an OMB individual CD page (the rate was corroborated on its official master table), Primis Bank and nbkc Bank. The refresh rechecked only 18

of 229 previously registered official URLs. This is a partial first-party refresh, not a nationwide census; new institution baselines must not be

interpreted as price changes.

Methodology and Sources

Bank Verified indicates a rate captured from an institution-owned disclosure; Third Party Verified is not used in this edition. Fresh means the

official effective date is no more than seven calendar days old, aging is 8-30 days, stale is older than 30 days, and undated observations are

excluded from fresh leaderboards. Bank Rate Breadth uses verified dated comparable institution/product/term/balance tier/eligibility

observations; substantively equivalent wording is normalized with an audit trail, while aging/undated and unmatched products are excluded.

Savings Index v2.2 is the simple mean of each institution's highest fresh eligible consumer savings APY (excludes business, IRA, youth,

education and HSA products); CD Index v2.2 uses the highest fresh exact-12-month standard CD per institution, including jumbo but excluding

capped Starter/EasyStart, retirement, business and deferred-compensation products. Best Cash Yield is the highest fresh consumer savings

APY including restricted offers, prominently disclosed. Fed Pass-Through Score will be the median fixed-cohort same-product APY change

divided by the effective fed-funds change (minimum 20 matched products and five institutions). Online-vs-National Bank Premium will be the

online-bank minus large-national-bank mean leading comparable savings APY (minimum five institutions per group). The last two are withheld

until sufficient samples exist.

Official benchmarks: U.S. Treasury Oct 23, Federal Reserve H.15, NY Fed SOFR, NY Fed EFFR, Freddie Mac PMMS. Institution disclosures: Ally, Bank5

Connect, OMB Bank, Axos, Apple FCU, Advancial, FNBA. Institution-level figures and comparisons are calculated from the October 25 OnlineBankRates 5

a.m. first-party refresh and append-only historical records.

Disclosure: Advertised APYs may change and can be restricted by balance, geography, membership, promotional periods or activity. CDs may impose

early-withdrawal penalties; deposit insurance and Treasury taxation differ. This is informational reporting, not individualized financial advice.