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
| What it monitors | The FDIC national-average savings benchmark, plus partner rates as partners sign. |
| Data sources | FDIC national rate data and institutions' published rate pages. Partner feeds added as partners join. |
| Coverage | Selected benchmarks and, as partners sign, partner offers. 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.
See real rates for yourself
We don't list individual banks or credit unions here. These two official sources show what's 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.