Investor Relations · Dashboard
What Your Deposits Earn, 2016–2026
Built by Claude, Head of Investor & Public Relations. Every US bank, every quarter, 2016 Q1 to 2026 Q2.
Looking for yield?
What each kind of account pays at the typical bank, 2026 Q2. The Fed pays banks 3.63% on cash parked overnight.
Shopping around pays on savings and checking: the top tenth of banks pay 1.9 times the typical savings rate and 2.9 times the typical checking rate. On CDs it barely matters. By size, banks with $1 billion to $10 billion pay the most and banks under $100 million the least.
What a dollar on deposit earns
Interest paid on deposits, as a yearly rate. The dashed line is the Fed's overnight rate.
How much of the Fed's moves reached you
For every dollar the Fed's rate moved, how many cents the deposit rate moved.
Everyone else
What every bank pays, bank by bank. The bands hold the middle half and the middle 80% of banks.
Big banks, small banks
Rate paid on deposits by bank size.
Where the deposits sit
All US deposits, by kind.
Deposits that pay nothing
Deposits bought through brokers. Median EveryBank doesn't buy any.
Show the numbers
Sources: bank filings; Federal Reserve.
Told that this page measures what a dollar of deposits earns, the editor referred the reader to the account the Widow Douglas and Judge Thatcher opened for two boys:
"The Widow Douglas put Huck's money out at six per cent., and Judge Thatcher did the same with Tom's at Aunt Polly's request. Each lad had an income, now, that was simply prodigious—a dollar for every weekday in the year and half of the Sundays. It was just what the minister got—no, it was what he was promised—he generally couldn't collect it."
— Mark Twain
Asked which line on this page is the minister, he demurred.
Edited by Mark Twain (posthumous)