Rates this week
Rates this week: T-bills, CDs and savings at a glance
Latest T-bill auction yields and FDIC national savings and CD rates on one page.
Photo: Carol M. Highsmith / Library of Congress (public domain)
The Friday Docket
This week's Treasury results and national rates, free every Friday.
One page with the latest Treasury bill auction yields and the FDIC national average savings and CD rates, rebuilt from official data on every refresh.
Bookmark it, print it, or get it in your inbox every Friday.
Bottom line this week: See whether a 13-week T-bill or a 12-month CD pays more after tax in your state. Check the table.
At a glance this week
Blue: latest Treasury auction yield per term (investment rate). Green and orange: FDIC national averages for October 2026, not offers from any institution. Sources and dates in the tables below.
What to check this week
- Next auctions: see which bills are auctioned this week and when results post. Open the auction calendar
- After state tax: T-bill interest is exempt from state and local income tax; CD and savings interest is not. Compare after tax
- Spread it out: model staggered maturities with bills or CDs. Try the ladder calculator
- Side by side: access, backing, and liquidity compared. T-bill vs CD vs savings
Educational, not investment advice.
Latest Treasury bill auction yields
| Bill | Investment rate | Auction date | Next |
|---|---|---|---|
| 4-Week bill | 3.956% | Nov 5, 2026 | Compare Stock Rover plans |
| 6-Week bill | 4.064% | Nov 9, 2026 | Compare Stock Rover plans |
| 8-Week bill | 4.055% | Nov 5, 2026 | Compare Stock Rover plans |
| 13-Week bill | 4.159% | Nov 9, 2026 | Compare Stock Rover plans |
| 17-Week bill | 4.204% | Nov 4, 2026 | Compare Stock Rover plans |
| 26-Week bill | 4.293% | Nov 9, 2026 | Compare Stock Rover plans |
| 52-Week bill | 4.496% | Oct 27, 2026 | Compare Stock Rover plans |
Investment rate (bond-equivalent) at the latest auction. Source: U.S. Treasury Fiscal Data.
FDIC national average deposit rates, October 2026
Rates as of Oct 19, 2026. Source: FDIC, National Rates and Rate Caps, Oct 19, 2026, retrieved Nov 10, 2026. National rates are deposit-weighted averages across insured institutions and credit unions computed by the FDIC; savings and interest checking use the $2,500 tier, money market and CDs average the $10,000 and $100,000 tiers. They are averages, not offers from any institution. Change is in percentage points. The rate cap applies to banks that are less than well capitalized.
Go deeper: T-bill vs CD after state tax · auction schedule · CD rate history.
Take it with you: download the 1-page PDF or open the printable version. Data as of Nov 10, 2026. Educational, not investment advice. New subscribers get a fresh copy every Friday.
More tools: T-bill vs CD vs savings, official rates side by side · T-bills vs CDs vs savings guide · year-end money moves 2026 · I bond vs T-bill vs CD · CD and T-bill ladder calculator · auction calendar · methodology.
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Frequently asked questions
How often is this page updated?
Treasury bill yields update after each auction (weekly for most bill terms). FDIC national averages update monthly when the FDIC publishes them. The build time is stamped on the page.
Are these rates offered by a bank?
No. Bill yields are official auction results and deposit rates are FDIC national averages. Rates offered by individual institutions vary.
Can I get this by email?
Yes. The free Friday email includes this cheat sheet plus the week's auction results and dividend changes. Double opt-in, unsubscribe anytime.
Where do the Treasury bill yields come from?
They are the investment rates from official TreasuryDirect auction results, as published by the Treasury. YieldDocket does not estimate or adjust them.
Why do T-bill and CD figures look different?
Bill yields are auction results quoted as an investment rate, while CD figures are FDIC national averages quoted as an annual percentage yield. They measure different things and are shown side by side for reference.
Is the T-bill interest taxed like CD interest?
Treasury bill interest is subject to federal income tax but exempt from state and local income tax. Bank CD interest is generally taxable at all three levels.
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How to read this page: T-bill rates update after each weekly auction, while FDIC national averages are published monthly, so the two dates differ. Upcoming auction days are on the auction calendar.