Rates this week: T-bills, CDs and savings at a glance
One page with the latest Treasury bill auction yields and the FDIC national average savings and CD rates, rebuilt from official data on every refresh.
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Latest Treasury bill auction yields
U.S. Treasury securities: not FDIC-insured · not bank deposits · market value can change before maturity
| Bill | Investment rate | Auction date |
|---|---|---|
| 4-Week bill | 4.068% | Oct 15, 2026 |
| 6-Week bill | 4.055% | Oct 13, 2026 |
| 8-Week bill | 4.132% | Oct 15, 2026 |
| 13-Week bill | 4.185% | Oct 13, 2026 |
| 17-Week bill | 4.313% | Oct 14, 2026 |
| 26-Week bill | 4.351% | Oct 13, 2026 |
| 52-Week bill | 4.616% | Sep 29, 2026 |
Investment rate (bond-equivalent) at the latest auction. Source: U.S. Treasury Fiscal Data.
FDIC national average deposit rates, October 2026
| Product | National rate |
|---|---|
| Savings | 0.38% |
| Money market | 0.63% |
| Interest Checking | 0.07% |
| 1-month CD | 0.23% |
| 3-month CD | 1.14% |
| 6-month CD | 1.39% |
| 12-month CD | 1.76% |
| 24-month CD | 1.55% |
| 36-month CD | 1.39% |
| 48-month CD | 1.31% |
| 60-month CD | 1.41% |
Source: FDIC, National Rates and Rate Caps, Oct 19, 2026, retrieved 2026-10-22 00:35 CDT. National rates are deposit-weighted averages across insured institutions and credit unions computed by the FDIC; savings and interest checking use the $2,500 tier, money market and CDs average the $10,000 and $100,000 tiers. They are averages, not offers from any institution. Change is in percentage points. The rate cap applies to banks that are less than well capitalized.
Go deeper: T-bill vs CD after state tax · auction schedule · CD rate history.
Figures are published auction results and national averages, not offers from any institution.
Take it with you: download the 1-page PDF or open the printable version. Data as of 2026-10-22 00:35 CDT. New subscribers get a fresh copy every Friday.
More tools: CD and T-bill ladder calculator · auction calendar · methodology.
Frequently asked questions
How often is this page updated?
Treasury bill yields update after each auction (weekly for most bill terms). FDIC national averages update monthly when the FDIC publishes them. The build time is stamped on the page.
Are these rates offered by a bank?
No. Bill yields are official auction results and deposit rates are FDIC national averages. Rates offered by individual institutions vary.
Can I get this by email?
Yes. The free Friday email includes this cheat sheet plus the week's auction results and dividend changes. Double opt-in, unsubscribe anytime.
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