Source: FDIC national deposit rates via the Federal Reserve Bank of St. Louis, and the U.S. Treasury; monthly observations. Data through Savings account, national average: 2026-09-01; Money market account, national average: 2026-09-01; 1-year CD, national average: 2026-09-01; Treasury bill, 3-month: 2026-10-16; Treasury, 1-year: 2026-10-16.