Week of October 26, 2026
Best rates this week
One page, every category: the top three picks from each ranking in Your Best Financial Network, in the same order you see on the full ranking, with the date each rate was last checked on the institution’s site. Follow any heading to the complete list with filters, minimums and fine print.
Savings, money market and checking
High-yield savings
All 825 ranked →Money market accounts
All 626 ranked →High-yield checking
All 855 ranked →CD rates by term
6-month CDs
All 875 ranked →12-month CDs
All 1000 ranked →5-year CDs
All 804 ranked →Personal loans
Personal loans
All 376 ranked →Loan APRs are the lender’s advertised range; the rate you are offered depends on your credit and income. Paying off card debt? See how a debt consolidation loan compares with a 0% balance transfer card.
Credit card signup bonuses
Credit card signup bonuses
All 232 tracked →Bonus values are Your Best Cards’ estimate of the points or cash in dollars; offers vary and you may not be eligible.
Canada: savings and GICs
The top of the Your Best Savings Canada rankings: 1,903 rates from 161 Canadian banks and credit unions. Rates are posted annual interest rates in Canadian dollars. Savings accounts are ranked by their 12-month effective rate at a $10,000 deposit, so a short promotion is blended with the rate after it ends; GICs are non-redeemable and open to a regular (non-registered) deposit.
High-interest savings (Canada)
All 149 ranked →1-year GICs (Canada)
All 162 ranked →5-year GICs (Canada)
All 154 ranked →Credit union rates are covered by provincial deposit insurance and usually need membership in that province. How Canada’s biggest banks compare with these rates: the Big Six vs the best GIC and savings rates (ByTheMath study). Canadian mortgage, HELOC, line of credit, personal and car loan rates are ranked on Your Best Loan Rates Canada, and Canadian credit cards on Your Best Cards Canada.
Movers this week
APY changes recorded between October 22, 2026 and October 29, 2026, by product type: 371 increases and 46 decreases in all.
| Product type | Increases | Decreases |
|---|---|---|
| High-yield savings | 10 | 1 |
| Money market | 23 | 1 |
| CDs | 337 | 39 |
| Checking | 0 | 5 |
| HSA cash | 1 | 0 |
Counts include corrections made when we re-verified a rate on the institution’s site, so they show how many published rates changed in our data, not how many institutions announced a change. Every change is listed on the rate history page, and the monthly ByTheMath rate studies summarize them.
How this page is built
Each section repeats the top of a live ranking on a Your Best Financial site, in that ranking’s own order: deposit accounts by their ByTheMath score (rate, minimums, access, conditions and availability weighed together; accounts only some states can open score lower), personal loans by Your Best Loan Rates’ overall score, and card bonuses by estimated bonus value, with the lower annual fee first on a tie. That is why the #1 pick is not always the highest number in its section. Business accounts, rates with conditions or balance caps, and accounts with limited eligibility are flagged because the full rankings include them.
The Canada section ranks Canadian products on their own, by Your Best Savings’ Canadian method; every other section is US products only, and the movers count covers US products. Rates come from each institution’s website and carry the date they were last verified. Nobody pays to appear here, and yourbestfinancial.com has no ads or paid links. How each site scores is summarized on our methodology page, with full detail in the ByTheMath methodology. Rates change often, so confirm the current rate with the institution before you open an account.
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FAQ
What is the top-ranked high-yield savings account this week?
Pibank Pibank Savings Account is #1 on the Your Best Savings high-yield savings ranking at 4.40% APY (verified October 29, 2026). The ranking weighs rate, minimums and access together, so #1 is not always the highest APY: 825 accounts are ranked in full.
What is the best 12-month CD rate this week?
Climate First Bank ranks #1 for 12-month CDs at 4.46% APY; the highest APY among this week's top three 12-month picks is 5.00% (USALLIANCE Financial). 1000 CDs with 11- to 14-month terms are ranked.
What is the best 5-year CD rate this week?
Quorum Federal Credit Union ranks #1 for 5-year CDs at 5.00% APY, verified October 29, 2026, out of 804 ranked 60-month CDs.
Which personal loan ranks first this week?
Wells Fargo ranks #1 on Your Best Loan Rates with APRs from 6.74% to 26.74% (checked October 3, 2026). Your APR depends on your credit, income and loan amount.
What is the biggest credit card signup bonus right now?
The American Express Business Platinum Card® has the highest bonus value Your Best Cards tracks, worth about $4,500 by our point valuation after $20,000 of spending in 3 months, with a $895 annual fee.
What are the best savings and GIC rates in Canada this week?
Manulife Bank of Canada Manulife Bank Advantage Account is #1 on the Your Best Savings Canada high-interest savings ranking at 3.00% (12-month effective rate including its promotion), and StellerVista Credit Union ranks #1 for 1-year non-redeemable GICs at 4.05% (BC only). Canadian rates are posted annual interest rates in Canadian dollars, ranked separately from US accounts.
How many rates changed this week?
Between October 22, 2026 and October 29, 2026, 371 APY increases and 46 decreases were recorded across the savings, money market, CD, checking and HSA products we track. Counts include corrections made when a rate was re-verified on the institution's site.
How often is this page updated?
The data is checked every day and the page is rebuilt whenever a ranking or rate changes. The week runs Monday to Sunday; each rate shows the date it was last verified at the source.