Everything you need to price deposits with confidence
Branch-level local market views, promotional-rate tagging, watchlist-scoped alerts, and export-ready data — purpose-built for bank treasurers who price against the real competitors down the street, not national averages.
Live rate coverage
Retail Deposit Rates
Over 20,000 Certificates of Deposit, Money Market, and Savings Account rates — monitored daily across 1,300+ US institutions.
- Daily updates on 20,000+ deposit rates
- 1,300+ US banks and credit unions
- Coverage across Certificates of Deposit, money market, and high-yield savings accounts
Institution coverage
We track the top 1,300 US banks and credit unions by total deposits, so the institutions you see are the ones your customers are actually comparing. Long-tail small banks that do not move your market are not diluting the signal.
Daily refresh
Every rate is refreshed against the institution’s published source each business day. When a competitor updates overnight, Deposit Monitor reflects it by the next morning — no manual rate-shopping, no week-old data.
Full product scope
Certificates of Deposit, money market accounts, and high-yield savings accounts. CDs are analyzed on a dedicated CD page; money market and savings live on the Savings page — each product type stays organized and comparable.
Price against your real competitors
Local Market Intelligence
The banks that actually shape your deposit pricing are the ones with branches down the street — not a national aggregate. Drop in any zip code and see every competing branch on a map or in a sortable table, benchmarked against your peer set, so your pricing call reflects the footprint your customers actually shop.
- Map every competing branch in a radius you choose and compare their CD and savings rates side-by-side with yours — defend your pricing call with your actual footprint, not a national average
- Narrow the local view by charter type and institution size to benchmark against a peer set that matches how you think about competitors — national, state-chartered, savings, or a hand-picked watchlist
- Brief your ALCO or pricing committee with a branch-level map of your competitive market — not a national aggregate that washes out local signal
Branch-level, not HQ-level
Every rate is indexed to the branch that offers it, not the institution’s headquarters. A national bank with one branch in your market counts as one data point, not as if the whole institution operates there — so out-of-market players never distort your peer view.
Configurable radius
Set any radius that matches your competitive reality — 10 miles for dense metros, 50 or more for rural markets. The map and table update together as you tune it, so the peer set you price against always mirrors the market you operate in.
Peer benchmarking that matches your market
Layer charter type (national, state-chartered, savings, fed-member) and institution size on top of the local-market filter, or drop to a hand-picked watchlist. Benchmark against the peers you actually think about, not a generic 1,300-institution universe.
Tell specials from rack rates at a glance
Promotional Rate Tagging
Most deposit competition happens through promotional specials, not posted rack rates. Deposit Monitor flags every competitor CD priced as a promotional special with a `(Promo)` tag inline on the rate table — so a 13-month teaser at 4.50% is never mistaken for a standing rack rate when you're setting your next pricing move.
- Never price against a teaser special thinking it’s a standing rack rate — promotional CDs are tagged on the same row as the rate
- See promo vs. rack side-by-side in the CD Type column of every rate view, with no modal, secondary lookup, or spreadsheet gymnastics
- Promo tags carry through to your Excel exports, so the distinction you see in the app is preserved in the committee deck
Tagged inline, not buried
When a competitor’s CD is published as a promotional special, the CD Type column renders "Tradit. (Promo)" or "IRA (Promo)" on that exact row. The signal is right next to the APY — you never have to cross-reference a separate report.
Works with every filter you apply
Promo tagging layers on top of your local-market filter, charter/size filter, and watchlist. Zoom into a 25-mile radius around your zip code, scope to state-chartered peers on your watchlist — and promo specials in that exact set are still flagged.
Preserved in exports
When you pull a rate set to Excel, the (Promo) distinction travels with the CD Type column. Your pricing model and your committee deck reflect the same rack-vs-special split you saw in the app.
Track only what actually moves your pricing
Watchlists
Of the 1,300+ institutions we cover, only a handful actually influence your pricing decisions. Your watchlist brings your peer set, direct competitors, and strategic targets into one focused view — so the institutions that shape your strategy stay front and center.
- Benchmark against a curated peer set every month without rebuilding it from scratch
- Keep peer benchmarks, direct competitors, and strategic targets together in a single focused watchlist
- Spot rate movements from the institutions you track without sifting through 20,000+ data points
One deliberate list
Each user maintains a single curated watchlist — the institutions whose pricing actually shapes yours. Mix peer-set banks, direct competitors, and strategic targets in one focused view.
Persistent across sessions
Build it once; it is ready every time you log in. No re-filtering your way back to the same institutions every Monday morning.
Powers your alerts
The institutions on your watchlist are the universe for your instant notifications — so the signal that reaches your inbox stays scoped to the banks that matter.
See how you stack up vs. your peers
Peer Benchmarks
Every quarter the FDIC publishes the financials your competitors filed — cost of deposits, deposit growth, deposit mix, loan-to-deposit ratio, uninsured-deposit %, and more. Deposit Monitor pulls those filings, applies them to the banks on your watchlist, and shows you exactly where your institution ranks. The same regulatory metrics your examiner uses, presented as a quarterly report card scoped to the peers you actually compete with.
- Compare cost of deposits, deposit growth, deposit mix (DDA / MMDA / CD %), loan-to-deposit, uninsured-deposit %, ROA, NIM, and efficiency ratio against your watchlist peers
- Color-coded rank badges so you can scan the report card in seconds — with percentile rank applied automatically once the peer group reaches a statistically meaningful size, matching UBPR convention
- Quarterly auto-emailed scorecard so you know how the latest Call Report changed your standing without logging in
Your peers, not a national aggregate
Your peer group is built from your watchlist — the institutions whose pricing you are already tracking. As you watch and unwatch banks, the live group updates automatically. Save a snapshot any time you want a frozen quarter-over-quarter comparison set.
FDIC Call Report + UBPR + live rate intelligence
Combines public regulatory filings (Call Report dollars, UBPR ratios, FDIC Summary of Deposits) with our proprietary daily rate database — the same CD, money market, and savings APYs we track for those peer banks across the rest of the platform. Pair a peer’s reported cost of deposits with the rate they are advertising today — context no other self-serve tool provides.
Built on free public data
Same datasets enterprise platforms charge five-figure subscriptions for. Deposit Monitor refreshes them automatically each quarter, ~45 days after quarter end, so you always have the latest filings without an analyst pulling them by hand.
React before your deposit base moves
Instant Notifications
The moment a tracked institution publishes a new rate, the change lands in your inbox with full context — institution, product, term, and exact delta. You're always working from the most current competitive picture, without monitoring a dashboard or checking competitor websites.
- Shorten the gap between a competitor's rate change and your pricing response
- Receive only the rate changes that matter — scoped to the institutions on your watchlist
- Every alert arrives decision-ready — no secondary lookup required to act on it
Event-driven, not scheduled
Alerts fire when rates actually change, not on a weekly cadence. If a competitor moves Tuesday afternoon, you hear about it Tuesday afternoon — not Friday in a weekly digest.
Complete context in the email
Each notification includes institution, product, term, previous rate, current rate, and exact delta — color-coded for direction. You can decide whether to act without leaving your inbox.
Scoped by your watchlist
Notifications are driven off the institutions you have chosen to track. You never get paged about rate movements at banks that do not influence your pricing strategy.
Cut the distance from data to decision
Analysis-Ready Data
Filter down to the exact segment of rates you care about, verify every number against the bank's published source, and pull results straight into Excel or your own pricing models. Your workflow stays where it is — Deposit Monitor just makes every step faster and every number defensible.
- Narrow 20,000+ rates to the exact segment you need with granular filters and column sort
- Audit every rate against the institution's published source before citing it to your committee
- Export to Excel, or pipe data directly into your models through the API
Granular filters
Filter by term range, minimum deposit, bank size, charter type, and geography — individually or in combination. The segment you care about surfaces in seconds, not in minutes of spreadsheet gymnastics.
Verified sourcing
Every rate links directly to the bank's public source page. When you cite a number to your committee, you can back it up with one click — no reputational risk on a cited number.
Excel and API export
Export filtered results to Excel for your own modeling, or integrate directly through our API so pricing models always read current data. Your analysis lives where it already does.
Start pricing with confidence
Join the financial institutions using Deposit Monitor to make smarter, data-driven decisions about deposit pricing every day.
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