Sources, Citations, and Methodology
Every APY on this site is sourced from the issuer's own published page. Every FDIC rule cited links to FDIC.gov. Every rate-environment figure links to FRED or the FOMC.
Last verified: May 1, 2026. Rate tables updated weekly.
HYSA rate sources (Top 20)
Verified May 1, 2026MMA rate sources (Top 20)
Verified May 1, 2026Regulatory and data sources
FDIC
Federal Reserve / FRED
SEC -- Money Market Funds
IntraFi (CDARS / ICS)
Methodology
Rate verification: We verify each APY directly from the issuer's own published page, not from a third-party rate aggregator. Every row in our rate tables includes the source URL. Rates are verified weekly. If a rate cannot be confirmed from the issuer's own page, the row shows a note rather than an estimated figure.
Ranking methodology: HYSA and MMA tables are ranked by APY descending as the primary sort. Tie-breaking: lower minimum opening deposit wins, then lower monthly fee wins. We do not accept payment for ranking position.
Affiliate disclosure: Where present, affiliate or referral links are clearly marked with rel=sponsored and an inline disclosure. Affiliate relationships have no effect on ranking position or data accuracy.
FDIC data: All FDIC coverage rules cited to FDIC.gov directly. We do not paraphrase FDIC rules without citation. Ownership category rules effective as of 2026.
Full disclaimer
This site is an independent educational resource. We are not a bank, broker, financial advisor, or affiliate of any issuer listed. APYs shown are sourced from each issuer's own published page on the date noted at the top of each rate table -- rates change frequently and we recommend verifying directly with the issuer before opening an account. FDIC insurance limits ($250,000 per depositor per institution per ownership category) are sourced from FDIC.gov. Nothing on this site is personalised financial advice. Consult a qualified advisor before making decisions about your savings strategy.