US savings rate and inflation, September 2026
Monthly report on US savings rates, inflation and interest rates in September 2026, based on official data.
- Average savings rate: 0.37% — vs previous month down (-0.01% pp); vs a year earlier down (-0.03% pp).
- Inflation: 3.7% — vs previous month up (+0.3% pp).
- Real savings return: -3.33%.
- US national average 12-month CD rate: 1.73%.
- Federal funds effective rate: 3.88%.
- US 10-year Treasury yield: 5.29%.
What does it mean? With $10,000 in an average savings account you lost roughly $333 of purchasing power on an annual basis in September 2026.
- US national average savings rate
- US CPI inflation (CPI-U, year over year)
- Federal funds effective rate
Do the maths: savings calculator · FIRE calculator · all data.