What Savings Watch watches
Savings Watch is for veterans who want their emergency fund or cash actually earning. You enter your balance and current APY. We show how that compares to the FDIC national-average benchmark and tracked partner offers, and — if you set a watch — 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.
Coverage & how it works
| What it monitors | The FDIC national-average savings benchmark, plus participating partner rates as they sign. |
| Data sources | FDIC national rate data and institutions' published rate pages. Partner feeds added as partners join. |
| Coverage | Selected benchmarks and participating institutions. Not every bank or credit union. |
| Refresh | Benchmarks reviewed on a regular cycle; alerts fire when your target is met. |
| Credit pull | None. |
| Cost to you | Free. |
Straight talk: we monitor selected public benchmarks and participating partner offers — not every provider or every offer in the market. When a tracked option meets the target you set, we alert you. If nothing beats your number, we tell you to hold.
What a result looks like
An anonymized example of the read you'd get:
FDIC national average: ~0.38%
Best tracked rate in this illustrative example: 4.30% APY
StandWatch call: MOVE MAY BE WORTH IT — a tracked rate is far above yours
Always verify: confirm the current APY and federal insurance on the institution's own page
Illustrative only. Not a quote or an offer. Your actual numbers depend on your situation and the provider.
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, plain-language guide walks you through it before you act — no signup.
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 tell you to hold when nothing does.