01 · The rate table
The rates your competitors are paying, and the conditions attached to them
This is the set of institutions competing for the same deposits you are — savings and high-yield savings, money market, and CDs broken out by term. It’s the same rate data savers see on Arca, read from the other direction.
Every rate carries the date it was captured and what’s attached to it. A rate that needs a linked checking account and a direct deposit is a different offer than the same rate with nothing attached, and they don’t belong in the same row.
One row, opened
Promotional money market
Conditions attached to this rate · quoted from the published page
promotional_term
“The 3.10% APY is a promotional rate applicable for 90 days from account opening.”
reverts_to
“Thereafter the standard Money Market APY applies, currently 1.85%.”
captured Aug 11, 2026 · harborlinesavings.com/rates
On stated terms
≈ 2.16%
Derived: first-year blended yield at $25,000 on the stated terms. Not a published rate.
(90/365 × 3.10%) + (275/365 × 1.85%) ≈ 2.16%
Savings, money market, and CDs by term
High-yield and standard savings. Money market accounts. CDs broken out by term, because a 13-month promotional CD and a 12-month standard CD are two different offers wearing similar numbers. Term is its own field here, not a footnote.
The national band — the gap you’re defending
The online banks and high-yield accounts a depositor can reach in one tap sit on the same table as the institution across town. Same columns, same capture dates, same conditions column.
That distance — between what the institutions in your market pay and what a phone pays — is the gap you’re defending. It’s on one table, not two.
02 · The feed
What changed, and when it changed
Rates don’t announce themselves. A competitor moves a 13-month CD on a Tuesday. A promotional rate reverts three weeks later, and nobody is watching for it. A money market account picks up a new-money requirement with no announcement at all.
The feed logs each change in order with the condition that came with it.
A rate sheet rebuilt each cycle overwrites the one before it, so the history disappears at the speed it’s created. Arca doesn’t overwrite. The record starts the day you do, and it can’t be backfilled — not by us, not by anyone. A rate nobody captured on the day it published isn’t history. It’s a reconstruction.
What changed · Aug 4 → Aug 11, 2026
Your market
Rate changeAug 11, 2026
+15 bps
Harborline Savings Bank raised its 12-month CD from 4.05% to 4.20% at the $10,000 tier.
4.05% → 4.20% · captured Aug 11, 2026 · harborlinesavings.com/cd-rates
Disclosure change · no rate changeAug 11, 2026
0 bps
Mill River Bank left its money market rate at 2.85% and added a new-money condition to the disclosure.
Added · money market disclosure
“New money only. Funds must not have been on deposit with the bank within the previous 30 days.”
2.85% → 2.85% · captured Aug 11, 2026 · millriverbank.com/rates
New productAug 11, 2026
—
Granite Ledge Bank published a 9-month CD special at 4.35%, with a stated end date of Sep 30, 2026.
Published · CD special terms
“Offer available through September 30, 2026 and may be withdrawn at any time.”
not published → 4.35% · captured Aug 11, 2026 · graniteledgebank.com/cd-specials
Product removedAug 11, 2026
—
Cedar Point Credit Union removed its 15-month CD special, last published at 4.30% on Aug 4, 2026.
4.30% → not published · captured Aug 11, 2026 · cedarpointcu.org/rates
Movement is shown by glyph and sign. A competitor raising a rate is neither good news nor bad news, and nothing on this page says otherwise.
03 · Setup
How it works — we build the dashboard with you
Five steps, and a person on our side for all five.
01
Tell us who you are. Your institution, and the deposit products you price. That’s the whole intake.
02
We suggest the competitors worth watching. We come back with the institutions competing for deposits in your market, and why each one is on the list.
03
You decide the list. Take ours, cut it, or replace it with your own. It’s your competitive set, not our default.
04
We add the national band. The online banks and high-yield accounts your depositors can already reach, so the list reflects everywhere they can already go.
05
Your table goes live. Your rate table and your dashboard get built against that list, dated from day one, and the record starts running.
04 · What’s included
What’s included, and what isn’t
The table
- Your competitive set, on one table
- Savings, money market, CDs by term
- The national band, same columns
- The conditions attached to each rate
The feed
- Every move, dated and in order
- Fine-print changes when the rate holds
- Promotions appearing and expiring
- Products added and withdrawn
The record
- Nothing backfilled, nothing simulated
- Corrections appended, never overwritten
- Unverifiable rates removed
- Every number links to its source
The arrangement
- Your list, and yours to change
- A named person, not a support queue
- Your archive exports at any time
- Checking rates are out of this version
05 · Who it’s for
Built for community banks and credit unions
Arca Rate Monitor is for community banks and credit unions that price their own deposit products. If you’ve ever rebuilt a competitor rate sheet by hand on a Monday morning, this is the one that keeps the record.
What’s on the record
- Every rate carries the date it was captured. No rate in the product is undated.
- The conditions come with the rate. Minimums, new-money requirements, relationship requirements, promotional terms and the date they expire — all on the rate, not in a footnote.
- Every number links to where the institution published it. Any row can be checked against the source it came from.
- A rate that can’t be verified comes out. It isn’t softened, estimated, or carried forward. It’s removed, and the removal is counted.
Next step
The record starts the day you do.
Thirty minutes, on your own market. Bring the institutions you price against, and we’ll build the list and walk the table and the feed.
06 · Questions we get
Questions we get
What is Arca Rate Monitor?
Arca Rate Monitor is a competitor deposit rate view for community banks and credit unions. It shows the savings, money market and CD rates the institutions in your market are paying, each one carrying the date it was captured and the conditions attached to it. Every change to those rates is logged in a running record rather than overwritten.
Who is Arca Rate Monitor for?
Community banks and credit unions that price their own deposit products. The view is the institution’s competitive set, not one person’s — the same table, the same capture dates, whoever is looking at it.
Which deposit products does Arca cover?
Savings and high-yield savings, money market accounts, and CDs broken out by term. Term is a first-class field, so a 13-month promotional CD and a 12-month standard CD appear as separate rows rather than one blended number. Checking accounts are not covered.
Can we verify the rates?
Yes. Every rate carries the date it was captured, and every number links to where the institution published it — so any row can be checked against its source. A rate that can’t be verified is removed rather than softened, estimated, or carried forward, and the removal is counted.
How is this different from tracking competitor rates in a spreadsheet?
A spreadsheet shows the current cycle. Rebuilding it overwrites what was there before, so the history disappears at the same speed it’s created. Arca doesn’t overwrite — every move stays where it happened, with its date and the conditions that came with it, and it stays in the record.
Does Arca tell us what rate we should pay?
No. Arca doesn’t make pricing recommendations, suggest a target rate, or score your position against anyone. It reports what other institutions have published and when they published it. The pricing decision stays entirely on your side of the table.
How do we decide which competitors to track?
You do. Arca proposes the institutions competing for deposits in your market and explains why each one is on the list; you accept it, cut it, or replace it with your own. Arca then adds the national banks and high-yield accounts your depositors can already reach.
Does Arca cover national online banks as well as institutions in our market?
Yes. The online banks and high-yield accounts a depositor can reach in one tap sit on the same table as the institution across town — same columns, same capture dates, same conditions. That distance is the gap you’re defending, and it reads more clearly on one table than on two.
How do we get access?
Through a demo conversation. There’s no self-serve signup — setup is done with you, and your list and your table get built before you ever look at a screen.
How is Arca Rate Monitor priced?
Pricing is set in the demo conversation.
Is Arca Rate Monitor the same company as the consumer Arca Savings site?
Yes — same company, same rate data, two readers. Arca publishes what the deposit market is actually paying. Savers use it to find a better rate; institutions use it to see where they stand. Neither side is told what to do with the number.
What happens in the demo?
We will walk you through a live version of a dashboard personalized for your bank. We’ll show you the rate table and the movement record against your own market rather than sharing a sample account.