Savings Rates vs. Inflation: Is Your Savings Account Keeping Up?
Updated · 6 min read
As of November 9, 2026, some high-yield savings accounts pay 4.20% APY or more, above 3.7% inflation. See which ones and what a $10,000 balance earns.
Read →Savings Rate Reports
Arca re-captures every savings rate page it tracks each week. These posts report what changed, on what date, and what each advertised APY requires to earn it.
How Federal Reserve Rate Decisions Affect Your Savings Rate
Updated · 5 min read
The Fed held rates at 3.75%–4.00% on Oct. 28, 2026. See which savings rates rose after September's hike, today's top rates and what to check.
Read →Which Banks Raised or Cut Savings Rates? (November 2026)
Updated · 5 min read
6 banks raised savings rates since the Fed's Sep 16 hike: including SoFi, Ally Bank, American Express and Axos Bank. None cut. Checked Nov 9, 2026.
Read →Will the 2026 Midterms Change Savings Rates?
· 6 min read
A Democratic House and Senate won't set your savings rate. How Congress reaches it, what to watch before January, and what top savings accounts pay.
Read →The Fed Raised Rates. The Only Savings Rate That Moved This Month Moved Before the Meeting.
· 4 min read
The Federal Reserve raised its target range to 3.75%-4.00% on September 16, 2026, its first increase since July 2023. Arca's September 7 capture had already recorded SoFi's top tier moving to 4.00% APY, while Chase and Wells Fargo held at 0.01%.
Read →U.S. Bank's $10,000 Savings Tier Now Pays 3.00% — Matching What Ally and American Express Pay With No Conditions
Updated · 6 min read
U.S. Bank's Smartly Savings now pays 3.00% APY at $10,000, up from 2.00% — but only with a qualifying product. Ally and Amex pay 3.00% with none.
Read →HYSA Rates Dipped Ahead of the Fed's July Meeting — and Still Beat Big-Bank Savings by $300 a Year
Updated · 5 min read
Four high-yield savings accounts Arca tracked cut APYs by 10–20 basis points before the Fed's July 2026 meeting. They still paid about $300 a year more than Chase or Bank of America standard savings on $10,000.
Read →Big Bank vs. High-Yield Savings 2026: Side-by-Side
Updated · 7 min read
Chase pays 0.01% and Bank of America 0.04% APY; Wells Fargo Platinum pays 0.05% (with checking). Top high-yield accounts pay 3.20%–5.00% APY. Dollar-for-dollar comparison.
Read →The Fed Held Rates Steady. Savings Rates Didn't Move.
· 4 min read
The Fed held its target range at 3.50%–3.75% on July 29, 2026, with three dissents favoring a hike. Arca re-captured every tracked savings rate page within 24 hours: zero moved. Here's why, and what the gap is worth.
Read →How Much Is Your Bank Costing You?
Updated · 6 min read
Your bank may be costing you $419 a year on a $10,000 balance — the gap between a 0.01% standard savings rate and the 4.20% high-yield rate at EverBank as of November 9, 2026.
Read →How to Switch Savings Accounts in 15 Minutes (Step-by-Step)
Updated · 7 min read
Switching savings accounts takes about 15 minutes to set up and 1–3 business days for the money to move. Here's exactly how to do it — including the step most guides skip.
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