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Live Rates · Updated Weekly

4.30%
Top APY available this week

Your bank is paying 0.55%.
Here’s who’s paying more.

I’ve spent 15 years in banking. I know exactly what rates are out there — and most people never find out. This site changes that.

Find Rates in Your City →

Couple reviewing their savings rates

Top CD Rate
5.30%
America First CU · Las Vegas, NV
Top Money Market
4.07%
Solera National Bank · Denver, CO
National Bank Average
0.55%
What most people are earning right now

Couple reviewing finances

 
Why It Matters

The gap is bigger than most people realize

On $50,000 — here’s what the difference looks like in one year.

$275
At the national average
0.55% APY — what most big banks quietly pay on CDs.
$2,150
At today’s best rate
4.30% APY — available at local credit unions near you.
$1,875
Left on the table
Every year you stay at the average rate, that’s what it costs.

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Find Rates Near You

Click your city to see this week’s best CD and money market rates — with exact institutions and how to open an account.

Banking professional

Built by someone who sees this every day

I watch people roll their CDs over at the same low rate year after year — not because better options don’t exist, but because nobody told them.

The Rate Desk is independent, free, and has no bank affiliation. Just honest information.

Our story →

15
Cities tracked and growing every month
 
$1,875
Extra per year on $50K at today’s best rate
 
Free
  No account needed. No salespeople. Just the rates.

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The Rate Desk is a free, independent consumer resource. We may earn a referral fee when you open an account through our links. Rates shown are for informational purposes only and may change without notice. Always verify rates directly with the institution before opening an account.

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