Savings and CD Rate Change Tracker
Every rate change we find at the banks we review, logged with the old rate, the new rate and the date the bank gives for it. Updated each time we check rates.
In the last 30 days we logged 59 rate changes at 12 banks: 56 increases and 3 cuts. The latest: Capital One raised its 11 month 360 CD rate from 4.40% to 4.50% APY (Oct 27, 2026).
Banks change savings and CD rates without notice. This page logs each change we confirm on the bank’s own website, so you can see which banks are raising rates, which are cutting, and how often.
Latest savings and CD rate changes
Newest first. The date is the “as of” date the bank shows for the new rate. Click an account for our full review and current rates.
| Rate as of | Bank | Account | Term | Change | Direction |
|---|---|---|---|---|---|
| Oct 27, 2026 | Capital One | 360 CD | 11 months | 4.40% to 4.50% APY | Raised |
| Oct 27, 2026 | Capital One | 360 CD | 14 months | 4.40% to 4.50% APY | Raised |
| Oct 27, 2026 | CFG Bank | CD | 12 months | 4.46% to 4.65% APY | Raised |
| Oct 27, 2026 | CFG Bank | CD | 18 months | 4.50% to 4.70% APY | Raised |
| Oct 27, 2026 | CFG Bank | CD | 36 months | 4.40% to 4.82% APY | Raised |
| Oct 27, 2026 | CFG Bank | CD | 60 months | 4.40% to 4.82% APY | Raised |
| Oct 27, 2026 | Synchrony Bank | CD | 6 months | 4.10% to 4.20% APY | Raised |
| Oct 27, 2026 | Synchrony Bank | CD | 9 months | 4.15% to 4.50% APY | Raised |
| Oct 27, 2026 | Synchrony Bank | CD | 12 months | 4.20% to 4.30% APY | Raised |
| Oct 27, 2026 | Synchrony Bank | CD | 13 months | 4.40% to 4.30% APY | Cut |
| Oct 27, 2026 | Synchrony Bank | CD | 15 months | 4.30% to 4.50% APY | Raised |
| Oct 27, 2026 | Synchrony Bank | CD | 16 months | 4.30% to 4.40% APY | Raised |
| Oct 27, 2026 | Synchrony Bank | CD | 18 months | 4.35% to 4.50% APY | Raised |
| Oct 27, 2026 | Synchrony Bank | CD | 19 months | 4.35% to 4.50% APY | Raised |
| Oct 27, 2026 | Synchrony Bank | CD | 24 months | 4.35% to 4.60% APY | Raised |
| Oct 27, 2026 | Synchrony Bank | CD | 36 months | 4.40% to 4.65% APY | Raised |
| Oct 27, 2026 | Synchrony Bank | CD | 48 months | 4.40% to 4.65% APY | Raised |
| Oct 27, 2026 | Synchrony Bank | CD | 60 months | 4.50% to 4.75% APY | Raised |
| Oct 26, 2026 | Capital One | 360 Performance Savings | Standard rate | 3.10% to 3.20% APY | Raised |
| Oct 26, 2026 | Popular Direct | CD | 18 months | 4.75% to 4.80% APY | Raised |
| Oct 23, 2026 | Sallie Mae | CD | 60 months | 4.75% to 5.00% APY | Raised |
| Oct 20, 2026 | E*TRADE | CD | 12 months | 4.75% to 4.55% APY | Cut |
| Oct 20, 2026 | E*TRADE | CD | 18 months | 4.40% to 4.55% APY | Raised |
| Oct 20, 2026 | E*TRADE | CD | 24 months | 4.40% to 4.80% APY | Raised |
| Oct 20, 2026 | E*TRADE | CD | 36 months | 4.40% to 4.80% APY | Raised |
| Oct 20, 2026 | E*TRADE | CD | 60 months | 4.40% to 4.80% APY | Raised |
| Oct 20, 2026 | Happen Bank | CD | 6 months | 4.30% to 4.40% APY | Raised |
| Oct 20, 2026 | Happen Bank | CD | 11 months | 4.40% to 4.65% APY | Raised |
| Oct 20, 2026 | SoFi | Checking and Savings | New member boost | SoFi raised its new member savings boost to 1.10% APY for up to six months (4.40% APY with the 3.30% standard rate as of Oct 20, 2026) for new members who open savings by December 31, 2027 and set up eligible direct deposit within 60 days. | New promo |
| Oct 17, 2026 | American Express | High Yield Savings | Standard rate | 3.10% to 3.20% APY | Raised |
| Oct 16, 2026 | Happen Bank | CD | 2 years | 4.60% to 4.76% APY | Raised |
| Oct 15, 2026 | Bread Savings | CD | 18 months | 4.75% to 4.85% APY | Raised |
| Oct 15, 2026 | Bread Savings | CD | 2 years | 4.45% to 4.55% APY | Raised |
| Oct 15, 2026 | Bread Savings | CD | 3 years | 4.50% to 4.60% APY | Raised |
| Oct 15, 2026 | Bread Savings | CD | 4 years | 4.55% to 4.65% APY | Raised |
| Oct 15, 2026 | Bread Savings | CD | 5 years | 4.60% to 4.70% APY | Raised |
| Oct 13, 2026 | Bread Savings | CD | 3 months | 3.90% to 3.95% APY | Raised |
| Oct 13, 2026 | Bread Savings | CD | 6 months | 4.00% to 4.05% APY | Raised |
| Oct 13, 2026 | Bread Savings | CD | 1 year | 4.25% to 4.45% APY | Raised |
| Oct 13, 2026 | Bread Savings | CD | 18 months | 4.50% to 4.75% APY | Raised |
| Oct 13, 2026 | Bread Savings | CD | 2 years | 4.35% to 4.45% APY | Raised |
| Oct 13, 2026 | Bread Savings | CD | 3 years | 4.40% to 4.50% APY | Raised |
| Oct 13, 2026 | Bread Savings | CD | 4 years | 4.45% to 4.55% APY | Raised |
| Oct 13, 2026 | Bread Savings | CD | 5 years | 4.50% to 4.60% APY | Raised |
| Oct 9, 2026 | Happen Bank | CD | 6 months | 4.20% to 4.30% APY | Raised |
| Oct 9, 2026 | Happen Bank | CD | 11 months | 4.20% to 4.40% APY | Raised |
| Oct 9, 2026 | Happen Bank | CD | 2 years | 4.40% to 4.60% APY | Raised |
| Oct 7, 2026 | Barclays | Online CD | 9 months | 4.15% to 4.00% APY | Cut |
| Oct 7, 2026 | Barclays | Online CD | 12 months | 4.25% to 4.50% APY | Raised |
| Oct 7, 2026 | Barclays | Online CD | 18 months | 3.00% to 4.50% APY | Raised |
| Oct 7, 2026 | Barclays | Online CD | 24 months | 4.35% to 4.75% APY | Raised |
| Oct 7, 2026 | Barclays | Online CD | 36 months | 2.50% to 4.50% APY | Raised |
| Oct 7, 2026 | Barclays | Online CD | 48 months | 2.50% to 4.50% APY | Raised |
| Oct 7, 2026 | Barclays | Online CD | 60 months | 4.25% to 4.75% APY | Raised |
| Oct 2, 2026 | Marcus by Goldman Sachs | High Yield CD | 12 months | 3.90% to 4.40% APY | Raised |
| Oct 2, 2026 | Marcus by Goldman Sachs | High Yield CD | 18 months to 6 years | 4.35% to 4.40% APY | Raised |
| Oct 2, 2026 | Bread Savings | CD | 9 months | 4.30% to 4.40% APY | Raised |
| Oct 2, 2026 | Bread Savings | CD | 18 months | 4.40% to 4.50% APY | Raised |
| Oct 1, 2026 | Peak Bank | Envision High Yield Savings | Standard rate | 4.01% to 4.27% APY | Raised |
| Oct 1, 2026 | Peak Bank | Envision High Yield Savings | $500,000+ tier | 3.14% to 3.40% APY | Raised |
| Oct 1, 2026 | Axos Bank | Axos ONE Savings | New account promo | Added 5.00% APY for the first 6 months on new accounts opened Oct 1 to 31; standard 4.21% unchanged | New promo |
What the October 2026 changes show
As of Oct 20, 2026, most of the changes we logged this month were increases, and most were on CDs.
- CD rates moved up across longer terms. Barclays raised six of its seven CD terms on Oct 7, including 18 months from 3.00% to 4.50% APY. E*TRADE raised its 2, 3 and 5 year CDs to 4.80% on Oct 20.
- Bread Savings raised CD rates three times in two weeks (Oct 2, Oct 13 and Oct 15). Its 18 month CD went from 4.40% to 4.85% APY over that stretch.
- Cuts were rare and short term. Barclays cut its 9 month CD and E*TRADE cut its 12 month CD, even as both raised longer terms.
- Savings changes were smaller. Peak Bank raised Envision savings to 4.27% and American Express raised its high yield savings to 3.20%. Axos added a 6 month promo rate for new accounts opened in October.
For this week’s average rates, see the BankingPicks Savings Rate Index.
How we track rate changes
- Source: every rate comes from the bank’s own website, never from memory or a third party list.
- When we check: savings accounts every Monday, CDs every Wednesday, and any bank whenever we update a review or ranking.
- Date shown: the “as of” or “effective” date the bank publishes for the new rate. If a bank shows no date, we use the date we checked.
- What counts: a change to a published standard rate or a new published promotion.
- Limits: we log only the banks we review, and a bank can change a rate and change it back between our checks, so this is not a complete record of every change in the market.
Read our full rating methodology.
Use this data
The full log is free to use. Download it as CSV or JSON. Journalists, researchers and bloggers are welcome to cite the BankingPicks Rate Change Tracker with a link to this page. Spot a change we missed? Email hello@bankingpicks.com.
Ready to compare? See the best high yield savings accounts, the best CD rates by term, or estimate your earnings with our high yield savings calculator.
Frequently asked questions
Are savings rates going up or down right now?
At the banks we track, mostly up in October 2026. Through Oct 20 most changes we logged were increases, led by CDs at Barclays, Bread Savings, E*TRADE and Happen Bank. The table on this page shows every change with its date.
How often do banks change savings and CD rates?
There is no set schedule. Some banks went weeks without a change, while Bread Savings changed its CD rates three times between Oct 2 and Oct 15, 2026.
Does a rate change affect my existing CD?
No. A CD keeps the rate it had when you opened it until it matures. Rate changes apply to new CDs and to savings accounts, whose rates are variable.
Will my savings account rate change after I open it?
It can. High yield savings rates are variable, so the bank can raise or lower them at any time. Promo rates, such as a 6 month intro rate, end on the date the bank sets.
Can I download this data?
Yes. The full log is free as a CSV or JSON file from the links in the Use this data section. Please link to this page if you cite it.