What Savings Watch watches
Savings Watch is for the emergency fund or cash that should actually be earning. Set your target once and we email you when a tracked rate is meaningfully above what you're earning now.
No account, no password, no credit pull. If you decide to move money, you open the account on the institution's own site.
The board right now
FDIC national deposit-rate benchmarks, pulled automatically. This is the floor your money is being measured against, not a quote or an offer.
Public benchmarks · not quotes, offers, or guarantees · arrows compare to the prior published value.
Coverage & how it works
A Watch is simple: set a target rate, we check daily for newly published official numbers, and we email you when your target hits. Each source publishes on its own schedule.
Big-bank savings often pay almost nothing while your money loses ground to inflation. Tell us your balance and APY once. We compare it against the national average and tracked partner rates, and alert you when a tracked savings rate is meaningfully above yours.
| What it monitors | The FDIC national-average savings benchmark. |
| Data sources | FDIC national rate data and institutions' published rate pages. Partner feeds added as partners join. |
| Coverage | Selected benchmarks. Not every bank or credit union. |
| Refresh | The FDIC national savings benchmark updates monthly; alerts fire when your target is met. |
| Credit pull | None. |
| Cost to you | Free. |
Straight talk: we monitor selected public benchmarks and, as partners sign, partner offers, not every provider or every offer in the market. When a tracked option meets the target you set, we alert you. When nothing beats your number, your Watch simply stays active.
Published savings rates at military-affinity institutions
What each institution publishes on its own page, read there on the date shown. Listed alphabetically, no ranking, no verdict. Rates change without notice, so the link is the source, not this table. Credit unions require membership eligibility and are NCUA-insured; USAA is a bank and FDIC-insured.
| INSTITUTION AND ACCOUNT | PUBLISHED APY | CONDITIONS |
|---|---|---|
| Andrews Federal Credit Union High Yield Savings | 3.15% APY | On balances up to $250,000. No minimum, no monthly fee. Membership eligibility applies. Read at the source Sept 2, 2026 |
| Navy Federal Credit Union Basic savings | 0.25% APY | Standard savings account. Membership eligibility applies. Read at the source Sept 1, 2026 |
| PenFed Credit Union Premium Online Savings | 2.70% APY | $5 to open, no monthly fee, electronic statements required. Read at the source Sept 1, 2026 |
| Service Credit Union Primary Savings | 5.00% APY | Dividends at 5.00% on the first $500 only; 0.25% above that. $5 opens membership. Read at the source Sept 1, 2026 |
| Service Credit Union Service+ Savings | 3.25% APY | On up to $25,000 with a qualifying direct deposit of $500 a month into Service CU checking; 0.25% without it. Read at the source Sept 1, 2026 |
| USAA Federal Savings Bank Performance First Savings | 3.00% APY | Promotional rate for 6 months on a first account opened Aug 11 to Nov 17, 2026 with $25,000 in new money; standard rates are on USAA's rate page. FDIC-insured. Read at the source Sept 1, 2026 |
Benchmark: the FDIC national average savings rate is 0.38% as of August 1, 2026 (FDIC via FRED, the same series the board above tracks). Service Credit Union also publishes a Deployed Warrior Savings account at 10% APY on up to $10,000 for members deployed to a combat zone, with deployment orders required. Checked at the source: September 1, 2026.
See real rates for yourself
These two official sources show what is actually being paid right now, free, with no signup and no contact information required:
- FDIC National Rates and Rate Caps. The official monthly table of national average rates by deposit product: savings, money market, and CDs from 1 to 60 months. It's the same benchmark our board above tracks, straight from the source. fdic.gov/national-rates-and-rate-caps
- NCUA Credit Union and Bank Rates. Quarterly charts from the federal credit union regulator comparing national average rates for 23 common loan and deposit products at credit unions versus banks, a quick way to see where credit unions tend to pay more on savings. ncua.gov/analysis/cuso-economic-data/credit-union-bank-rates
Whatever you find, confirm the current APY and FDIC or NCUA insurance on the institution's own page before you move money.
Questions
Do I need an account with StandWatch?
No. There's no account or password. You give an email only so we can send your alert, and a state so we can be relevant.
Is my money safe at a higher-APY account?
Federally insured accounts are protected within applicable limits at an insured institution. Always confirm the account is at an FDIC- or NCUA-insured institution: our guide explains how to check, and the fintech pass-through trap to avoid.
Do you sell my information?
No. We don't sell your data or hand it to institutions as leads. You choose whether to open an account.
Is the rate shown a guarantee?
No. Rates change frequently and are illustrative. Confirm the current APY directly with the institution before acting.
Learn the topic first
New to this? Our free, easy-to-understand guide walks you through it before you act, no signup.
REAL NUMBERS, NOT OURS
The government runs free help lines for exactly this topic. We hand them out instead of taking your call, because that's the point.
FDIC, deposit insurance questions: 877-275-3342
CFPB, bank account questions and complaints: 855-411-2372
More StandWatch Watches
One free network, six bills covered, each with the same honest read: we alert you when a tracked offer meets your target, and when nothing does, your Watch simply stays active.
