Compare rates by what they're really worth
CDs, high‑yield savings, credit‑card bonuses, and loans — ranked and benchmarked against Treasury yields and FDIC averages, so you see real value, not just the headline rate.
Rates as of July 13, 2026.
Top savings APY
4.15% (national avg 0.38%)
Top CD APY
4.21%
1-year Treasury
4.12% — state-tax-free
3-month Treasury
3.89%
Compare
Frequently asked questions
How does Dolla rank rates and offers?
By the honest number: deposit accounts by verified APY against FDIC and Treasury benchmarks, credit cards by first-year net value with bonuses priced at the conservative 1¢-per-point base — not aspirational transfer values.
How current are these rates?
This is a dated snapshot, last verified July 13, 2026. Rates move constantly — always confirm with the institution before opening anything.
Calculators
- CD & savings calculator — growth and real yield if you withdraw early
- Tax-equivalent yield — is a state-tax-free Treasury better than a CD?
- Loan payment calculator — monthly payment and total interest
How we rank
- Deposits by APY, flagged against the FDIC national average and Treasury yields — and Treasury interest is state‑tax‑free, which can flip the math in a high‑tax state.
- Credit cards by first‑year net value — bonus value minus the annual fee — with the spend required to earn it.
- Loans by average APR for your credit tier, so you know what rate to expect before you shop.