Desk brief · rates as of
Rate desk · Issuer-dated figures
Dated rates. Sourced terms. Calm comparison.
Money Rate Desk reads issuer pages the day rates are logged. Every APY below carries an as-of date. This is not financial advice; confirm the issuer before you move money.
Issuer pages onlyAs-of dates on every rateFDIC and CFPB cited
Rate table
Savings APYs on the desk
| Account | APY (issuer page) | Monthly fee | Minimum | As of |
|---|---|---|---|---|
| Marcus by Goldman SachsOnline Savings Account | 3.50% as of Oct 26, 2026 (variable) | $0 | $0 | 2026-10-27 |
| Ally BankSavings Account | 3.2% as of Oct 26, 2026 (variable, same on all tiers) | $0 | $0 | 2026-10-27 |
| Capital One360 Performance Savings | Shown live on capitalone.com (variable); we could not capture a fixed figure | $0 | $0 | 2026-10-27 |
Capital One loads its APY live on its page, so this desk does not invent a static figure. Marcus and Ally figures are what each issuer page showed on the date listed. Recheck the issuer before you open an account.
Desk briefs
Start with a dated guide
High-Yield Savings Accounts Compared on Issuer Pages (Oct 2026)
Marcus, Ally and Capital One 360 savings compared on issuer-published APY, fees, minimums and withdrawal terms, with the date on every rate.
FDIC Insurance Explained: The $250,000 Limit and Ownership Categories
How FDIC deposit insurance works: the $250,000 limit per depositor, per bank, per ownership category, what is covered and what is not.
Best No-Fee Checking Accounts (2026)
Capital One 360 Checking vs Ally Spending Account: monthly fees, overdraft rules, ATM networks and deposit insurance, from issuer pages.
Ally Money Market vs Ally Savings Account (2026)
Ally Money Market vs Ally Savings: APY, debit card and check access, transaction limits and fees, from Ally pages dated Oct 26, 2026.
Marcus vs Ally High-Yield Savings (2026)
Marcus Online Savings vs Ally Savings: APY, fees, minimums, withdrawal limits and insurance from issuer pages dated Oct 26, 2026.
Best Online CDs: Ally vs Marcus (2026)
Ally High Yield CD vs Marcus High-Yield CD: terms, minimum deposit, rate guarantees and early withdrawal rules, from issuer pages.
How APY Works: Interest, Compounding and Variable Rates
APY explained: how it differs from interest rate, why compounding matters, and what a variable APY means for savings and money market accounts.
How to Build an Emergency Fund
How to start an emergency fund using CFPB guidance: set a goal, automate small deposits, and keep the money in an insured, easy-to-reach account.
Treasury Bills Explained: Terms, Auctions and Taxes
How US Treasury bills work: terms from 4 to 52 weeks, $100 minimum, auction bidding, pricing and tax treatment, from TreasuryDirect.
How to Open a Savings Account: Documents, Insurance and Funding
A step-by-step desk brief on opening a US savings account: compare APYs, confirm FDIC insurance, gather ID documents and fund the account.
On file