How we check rates
Where every number on this site comes from, how often we update it, and what it does and doesn't tell you.
How often we update
We refresh the rate tables every Monday. Providers can change rates on any day, so a rate can change between our updates. Always confirm on the provider's own site before you open an account.
Where each rate comes from
- From the provider itself. We read each rate from the provider's own public page: a bank's rate sheet or product page, a company's app or product page, or a press release from the bank that issues a tokenized deposit.
- DeFi protocols. For lending protocols such as Aave and Compound, the rate floats all the time. We use the protocol's own app or a public data tracker that reads the rate from the protocol, and we name the exact source in the table.
- Every row shows its source and date. Each row in our tables links to the page we used and shows an "as of" date, so you can check it yourself.
- No guessing. If we can't read a current rate on the provider's own page, we show "Check site" instead of a number. If a provider hasn't published a rate at all, as with most institutional tokenized deposits, we show "Not public." We don't estimate rates or copy them from other rate-comparison sites.
Checked by a person
Ann Farnsworth, the publisher, also spot-checks rates by hand on the providers' own sites. When a spot-check doesn't match, we fix the table.
About the publisher: Ann Farnsworth is a small business owner splitting her time between Utah and Missouri who got tired of digging through ads and fine print to find a straight answer on where her savings should sit. She started Tokenized Deposit Rates to put savings, stablecoin and tokenized deposit rates side by side, checked against each provider's own page every week.
National averages
The national average savings and money market rates come from the FDIC's monthly National Rates and Rate Caps. A national average is not an offer you can open. It's there for context.
What the numbers mean
- APY is variable. Savings and deposit rates can go up or down at any time, often after the Federal Reserve changes rates.
- Fine print is noted. Where a rate is a promo, needs a minimum balance or direct deposit, is for new customers only, or needs a paid membership, we say so in the table. We show promo and "up to" rates separately from the standard rate.
- APY vs. APR. APY includes compounding. APR doesn't. We label which one the provider uses.
- Stablecoin rewards are not FDIC insured. They're paid by the platform, not a bank, and can change or end. You take on platform risk, depeg risk (a stablecoin trading below $1), and for DeFi, smart-contract and hacking risk. More on the risks →
- Tokenized deposits are bank deposits. Whether one is FDIC insured depends on the specific product and bank, so confirm with the bank before you rely on it. More on FDIC insurance →
Independence and affiliate links
Our savings and stablecoin tables are sorted by rate, not by who pays us. No company can pay to change a rate, a source, or its place in a table. Some links on this site may be affiliate links, which means we may earn a fee if you open an account. See our Disclosures for details.
Corrections
Spot a wrong or outdated rate? Email [email protected] with the product and a link to where you saw the rate. We check every report and fix verified errors promptly. You can also follow us on X at @TokenizedRates.