Rate Shopping Is Replacing Bank Loyalty—What I’m Seeing This Week
A retail banker’s look at why customers are shopping both deposit and loan rates, and how to weigh CD terms without guessing the market.
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Skip to contentWeekly observations on locally available CD, savings and money-market rates verified from official bank and credit-union websites.
A retail banker’s look at why customers are shopping both deposit and loan rates, and how to weigh CD terms without guessing the market.
A retail banker’s view of why some savers are pausing before choosing a CD and temporarily keeping money in money market accounts.
September 2, 2026 One thing I have noticed lately is that more people are shopping rates again. They are not
I checked 19 bank and credit-union rate pages this week. Eighteen of the APYs in our local database changed, and
Denver CD rates fell this week while leading local offers elsewhere held steady. See the strongest verified CD rates across 15 cities.