High Yield
High Yield / Savings research
How we compare savings accounts
The details behind the numbers.
We model legal banks separately from consumer brands. APY is evaluated at your stated balance using the latest recorded observation. Approved rates show their last verified date. Current APY rankings and calculators require effective, approved rates verified within 24 hours and bank identity verification within 30 days. A source capture alone does not approve a rate or verify every term. Confirm eligibility, fees and deposit coverage with the bank and FDIC.
How we identify a rate change
We compare consecutive approved observations at the same balance when eligibility, fees and other account terms match. We exclude corrections, pending reviews, future-effective rates and changes in account terms.
The dates show when we checked each rate. If checks are several days apart, the difference can include more than one change. We measure the difference in percentage points. For example, a move from 3.00% to 3.25% APY is an increase of 0.25 percentage points.