Our Methodology
Transparency is important to us. Here's how we collect and maintain rate information on SafetyYield.
Data Sources
We collect rate data directly from:
- Bank websites — Primary source for HYSA and CD rates
- TreasuryDirect.gov — Official source for I-Bond, EE Bond, and T-Bill rates
- FDIC/NCUA databases — Verification of insurance status
Update Frequency
| Product | Frequency |
|---|---|
| HYSA Rates | Daily |
| CD Rates | Weekly |
| I-Bond Rates | Every 6 months (May 1 & Nov 1) |
| T-Bill Rates | After each auction |
| EE Bond Rates | Every 6 months (May 1 & Nov 1) |
Verification Process
Before publishing any rate, we verify:
- Rate accuracy — Confirmed directly from the institution's official website
- Insurance status — FDIC or NCUA membership verified
- Account requirements — Minimum deposits, balance requirements, and any conditions
- Fee structure — Monthly fees or other charges that could affect returns
What We Don't Include
We focus on widely-available accounts. We exclude:
- Promotional rates with complex requirements
- Accounts limited to specific states or membership groups
- Non-FDIC/NCUA insured products (like money market funds)
- Accounts requiring relationship banking or large balances
Corrections
If you notice an error in our data, please let us know at hello@safetyyield.com. We take accuracy seriously and will investigate all reported discrepancies.