{
  "_source": "FDIC — National Rates and Rate Caps (monthly release)",
  "_source_url": "https://www.fdic.gov/national-rates-and-rate-caps",
  "_asof": "2026-06-15",
  "_retrieved": "2026-07-13",
  "_notes": "National rate = FDIC's weighted average of rates paid by all insured depository institutions and credit unions for which data are available. These averages sit far below widely marketed online high-yield accounts; RungRate tools treat them as a floor benchmark, not a shopping target. Published every third Monday of the month, reflecting data from the last business day of the prior month. Refresh cadence: monthly.",
  "national_rates_pct": {
    "savings": 0.38,
    "interest_checking": 0.07,
    "money_market": 0.61,
    "cd_1_month": 0.23,
    "cd_3_month": 1.15,
    "cd_6_month": 1.38,
    "cd_12_month": 1.65,
    "cd_24_month": 1.53,
    "cd_36_month": 1.33,
    "cd_48_month": 1.25,
    "cd_60_month": 1.35
  },
  "national_rate_caps_pct": {
    "savings": 4.37,
    "interest_checking": 4.37,
    "money_market": 4.37,
    "cd_1_month": 5.21,
    "cd_3_month": 5.18,
    "cd_6_month": 5.29,
    "cd_12_month": 5.30,
    "cd_24_month": 5.53,
    "cd_36_month": 5.62,
    "cd_48_month": 5.62,
    "cd_60_month": 5.71
  }
}