What your cash could be earning
Every figure below uses rates we verified from the banks themselves — not averages, not estimates.
The cost of staying put
$1,277
That's the interest you give up over 1 year by leaving $25,000 in a typical big-bank savings account instead of the best rate we currently track.
After inflation
+1.29%
The best rate here pays 5.00%, while prices are rising 3.7% a year. In real buying power that's a genuine gain of $324 over this period. A big-bank account at 0.01% loses 3.70% of its value every year.
Inflation is the Consumer Price Index, 12-month change to August 2026.
| Where the money sits | APY | Interest earned | Ending balance |
|---|---|---|---|
Top tracked savings account Accordia Bank · Withdraw any time | 5.00% | $1,279 | $26,279 |
Top tracked CD (12-month) EagleBank · Locked for the term | 4.45% | $1,135 | $26,135 |
Typical big-bank savings account National average on basic savings · Instant access, almost no interest | 0.01% | $3 | $25,003 |
Interest compounded monthly, rate held steady for the whole period. Savings rates are variable and can change at any time. Figures are estimates before tax. See every tracked savings rate.
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