Bank Interest Rate Tracker
Log interest rates across banks and account types, see changes over time, and export your rate history for deeper analysis.
Bank & account
Rate & date
Comparison & filters
Rate comparison logic
1. Highest rate
Highest rate (filtered) =
Max( Rate_i ) across entries that match filters
2. Average rate
Average rate (filtered) =
(Sum of Rate_i) ÷ (Number of filtered entries)
3. Change vs prior entry
Change_i =
Rate_i − Rate_previous_for_same_bank_and_account_type
The tracker uses these simple calculations to highlight which banks are raising or lowering rates and how your options compare.
Using a rate tracker to improve your yield
Interest rates move frequently, especially for online savings and CDs. Tracking changes helps you decide when to move cash to a better‑paying bank.
Practical tracking habits
- Log rates monthly or whenever you see a change email from your bank.
- Track at least 3–5 banks you’re willing to use.
- Note promo periods or minimum balance requirements.
Worked example
Suppose you track high‑yield savings rates at three banks over six months. One bank consistently leads by 0.25–0.50 percentage points:
- Your tracker shows that Bank A averages 4.50% while Bank B averages 4.00%.
- On a $20,000 emergency fund, that 0.50% difference is about $100 per year.
Seeing this pattern in your own data can make it easier to justify switching banks or opening a new account.
Frequently Asked Questions
Does this tool automatically fetch rates?
No. You manually enter rates from bank websites or statements. This keeps the tool simple and avoids account connections.
Where is my data stored?
Entries are stored in your browser’s local storage. Clearing your browser data may remove them.
Can I export my history?
Yes. Use Export CSV to download your rate history for spreadsheets or further analysis.
Is this financial advice?
No. It’s an educational tracking tool. Consult a financial professional for personalized guidance.
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Information on this site is for educational purposes only and is not financial, tax, or legal advice. Calculations and logs are user‑entered and may not reflect actual bank terms. See our Privacy Policy and Disclaimer.