Savings & CD Rate Watch

Track deposit rates for US savers. Report only material, source-backed changes from the last 7 days: the top five nationally available high-yield savings and money market APYs from FDIC or NCUA insured institutions; the top 3, 6, 12 and 24 month CD rates; rate increases or cuts of 0.10 points or more at Ally, Marcus, Capital One 360, Discover, SoFi, American Express, Synchrony, Barclays, CIT, Wealthfront, Apple, Chase, Bank of America, Wells Fargo and Citi; 4, 13 and 26 week Treasury bill auction yields and I bond rate changes; promotional rates with an end date within 30 days; and Federal Reserve decisions with the repricing that followed. Include minimum balances, fee conditions and whether the rate is for new customers only, and state what each rate earns on $10,000 in a year. Prefer bank rate pages, TreasuryDirect, FDIC and established rate trackers; ignore fintech accounts that sweep to third parties without naming the insured bank, and rates outside the national top ten. Put the bank or instrument first in the title. Use high severity for a cut of 0.25 points or more at a named bank, a new national top rate, or a Federal Reserve decision. Return no more than 5 findings. Push each as a finding with a title, a two-sentence summary, sections for the rate, the conditions, what it earns on $10,000, and the source link. If nothing qualifies, push nothing and submit the run receipt.