Daily Rate Intelligence · October 14, 2026

Three Credit Unions Expand Coverage, Including a Restricted 6.00% Saver

First-party collection report for October 14, 2026. Effective dates, eligibility, and partial-refresh limitations are preserved.

OnlineBankRates | Daily Rate Intelligence

Wednesday, October 14, 2026 | Independent U.S. bank and credit-union deposit-rate collection

Verified coverage increased from 82 to 85 institutions. The collection added 361 first-party rate observations, including 225 records from three newly verified credit unions. All production values are attributed to institution-owned disclosures; third-party rates were excluded.

DAILY METRICS

COVERAGE & RATES VALUE QUALITY & MONETIZATION VALUE
Starting verified institutions 82 Official URLs checked 25
New Bank Verified institutions 3 Numerical sources recaptured 14
Ending verified institutions 85 Known sources not checked 106
New observations appended 361 Failed official fetches 3
Append-only historical observations 2827 Stale production rows 315
Current deduplicated production rows 2039 Undated production rows 212
Remaining discovery queue 40 Affiliate applications needed 7
Verified comparable changes 0 Approved monetizable products 0

NEWLY BANK VERIFIED INSTITUTIONS

SchoolsFirst Federal Credit Union - 109 first-party observations from its October 13 dividend disclosure and October 12 school-employee schedule. Includes a 19-month promotional share certificate at 4.30% APY ($500 minimum), a promotional IRA certificate at 4.40%, and a restricted Summer Saver at 6.00% with deposit limits and school-employee eligibility.

Golden 1 Credit Union - 46 first-party observations from its October 1 official rate schedule. Includes a 9-month new-money certificate at 4.30% APY ($500 minimum; in-branch or telephone opening), an 11-month jumbo certificate at 4.25% ($100,000 minimum), and tiered money-market accounts.

UW Credit Union - 70 first-party observations from its October 9 certificate, IRA and money-market schedules. The 14-month special certificate reaches 4.25% APY at the $250,000 tier; its Indexed Money Market reaches 3.23% at $250,000+. Membership requirements apply.

SELECT EXISTING-INSTITUTION REFRESHES

Marcus: October 14 first-party CD schedule confirms 4.40% for 12 months and 4.35% for its 20-month Rate Bump CD. Bank5

Connect: October 14 rate page confirms 4.00% for 6-, 12-, and 18-month CDs and its Connect Money Market. Happen Bank:

October 13 schedule confirms 4.60% on its 24-month CD. First National Bank of America: October 12 schedule confirms 4.65% on its 120-month CD.

OnlineBankRates | Proprietary First-Party Rate Intelligence | 2026-10-14 Page 1

COLLECTION QUALITY AND EXCLUSIONS

Partial refresh, not a full national recapture: 25 institution-owned source URLs were attempted and 14 provided independently captured numerical schedules. Another 106 known source URLs were not checked. Unchecked sources retain their original last-checked dates, and stale/undated products are visibly marked.

Quarantine: Newtek Bank's 6- and 9-month consumer CDs and 6-month business CD show an official APY/interest-rate inconsistency; those records were not added to production. nbkc bank's official pages blocked independent retrieval and its search snippets were not treated as verification. Both are tracked in the separate Discovery Queue.

Rate-change integrity: zero rate movements met the strict exact-product, term, balance-tier, requirements, geography, and later-effective-date comparison rule. This is not evidence that all market rates were unchanged.

AFFILIATE PROGRAMS

Two additional research leads were logged: NorthOne business banking and New Millennium Bank secured-card affiliate listings.

They are not approved OnlineBankRates relationships and are not deposit-rate sources. Raisin US's official publisher-affiliate program was independently reconfirmed; compensation and cookie terms remain unverified for OnlineBankRates. Seven application-needed entries remain and zero products are approved for monetization. No competitor tracking URL was reused.

PRIMARY INSTITUTION-OWNED SOURCES https://www.schoolsfirstfcu.org/rates/dividend/ https://www.schoolsfirstfcu.org/rates/school-employee-products/ https://www.golden1.com/manage-accounts/all-rates https://www.uwcu.org/rates/certificates https://www.uwcu.org/rates/save-invest https://www.uwcu.org/rates/iras https://www.marcus.com/us/en/savings/high-yield-cds/cd-rates https://www.bank5connect.com/rates https://www.happen.com/personal-deposits/account-rates https://www.fnba.com/deposit-rates/ https://www.newtekbank.com/rates-disclosure/

Data package: Lovable production CSV, 13-tab XLSX workbook, append-only observation history, institution coverage, discovery queue, source health, affiliate programs, new products, stale/failed sources and exact verified changes. This document summarizes collection evidence; rates are subject to change and eligibility requirements.

OnlineBankRates | Proprietary First-Party Rate Intelligence | 2026-10-14 Page 2

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Archive note: Coverage, historical counts, indexes, and market benchmarks above describe the supplied collection report, not the website’s total holdings or a new check of every institution. Rates and restrictions may have changed since the stated dates.

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