How Federal Reserve Rate Decisions Affect Your Savings Rate
· 5 min read
The Federal Reserve raised rates to 3.75%–4.00% on Sept. 16, 2026. See how savings rates are responding, today's top rates and what to do next.
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.
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 →Savings Rates vs. Inflation: Is Your Savings Account Keeping Up?
· 6 min read
As of September 24, 2026, some high-yield savings accounts pay 3.90% APY or more, above 3.4% inflation. See which ones and what $10,000 earns.
Read →U.S. Bank's $10,000 Savings Tier Now Pays 3.00% — Matching What Ally and American Express Pay With No Conditions
· 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 →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 →Which Banks Cut or Raised Savings Rates? Every Change We've Recorded (September 2026)
· 5 min read
Every savings APY change at the banks Arca tracks since May 1, 2026, newest first, with the size of each move. Updated September 2026 from weekly rate captures.
Read →Big Bank vs. High-Yield Savings 2026: Side-by-Side
· 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 3.00–4.21% APY. Dollar-for-dollar comparison.
Read →How Much Is Your Bank Costing You?
· 6 min read
Your bank may be costing you $420 a year on $10,000 — the gap between a 0.01% standard savings rate and the 4.21% high-yield rate at Axos Bank as of September 24, 2026.
Read →How to Switch Savings Accounts in 15 Minutes (Step-by-Step)
· 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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