The cost of doing nothing
National average savings APY: 0.38% (Oct 19, 2026).
Look up a real online savings or credit union rate.
Staying put, you'd have—
Switching, you'd have—
What not switching costs you—
Compares the same money in two accounts with no new deposits. Switching takes about 20 minutes online. Check both accounts are FDIC or NCUA insured.
Learn the ideas behind it: Savings accounts and your brain.