APY Ledger

CD rate changes

Verified changes observed on tracked banks' and credit unions' own websites during the last 7 and 30 days.

Window ending 2026-10-22 11:41:34 UTC. Latest recorded change: October 22, 2026.

Observed changes in the tracked sample
WindowRate increasesRate decreasesInstitutions repricedMean changeAdded / removed quotes
Last 7 days000No repricings observed3 / 3
Last 30 days000No repricings observed3 / 3

These are observations from our tracked sample, not a market-wide trend or a complete history. New quotes and removed quotes are counted separately from APY increases and decreases. The mean is the unweighted change per repricing event; one institution may contribute multiple terms, tiers, ZIPs or repeated changes. 1 basis point (bp) = 0.01 percentage point. Observation dates may differ from the institution's effective dates.

Recent APY increases and decreases

No APY increases or decreases have been observed in this window. Initial coverage and newly discovered products are not evidence that rates are rising.

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