EveryBank, N.A.
Insured by nobody. Averaged by everybody.

Investor Relations · Dashboard

What Your Deposits Earn, 2016–2026 BETA

Built by Mark Twain, Modeler (posthumous), and Claude, Head of Investor & Public Relations. Every US bank, every quarter, 2016 Q1 to 2026 Q2.

Mean EveryBank pays
1.86%
on every dollar of deposits, per year
Median EveryBank pays
1.76%
on every dollar of deposits, per year
The Fed's overnight rate
3.63%
what a bank earns parking cash overnight
Deposits that pay nothing
21% · 21%
Mean · Median

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.

CDs
3.50%
One bank in ten pays 3.91% or more
Savings & money market
1.41%
One bank in ten pays 2.75% or more
Interest checking
0.85%
One bank in ten pays 2.46% or more
Pays nothing
0%
21% of deposits

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.