Monitor deposit rates in real-time
See every competing branch in your local market — with promotional specials flagged inline — so you price against the rates your customers are actually being offered, not a national average. Daily refresh across 1,300+ US institutions, built for pricing committees.
30-day free trial with full access • Cancel anytime
Platform
Everything you need to price deposits with confidence
Deposit Monitor empowers financial institutions with daily updates and comprehensive coverage of retail deposit trends across the U.S.
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
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
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
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
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
See where deposits live and who is winning rate
Market Share
Drop into any state or ZIP and see deposit market share shaded by county across the FDIC Summary of Deposits — every county colored by total deposit dollars, your watched peers' branches dropped on the map, and a one-click toggle to flip the same view to the current rate leader by county on CDs or savings. The same county-level lens your strategy team uses to plan branch footprint and the rate-shopping lens your pricing team uses to know who's leading — in one map.
- County-level deposit share across any state or ZIP — built on FDIC SOD, refreshed annually, with the largest institution per county surfaced on click
- Watched peers' branches plotted on the same map as orange dots, so you can see exactly where your real competitors operate inside the deposit footprint
- One-click toggle to a rate-leader view — every county recolored by the best CD APY (or best savings/MM APY) currently advertised by a bank with a branch there, with the leader institution and term on click
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
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
Want to go deeper on any of these capabilities?
Explore All FeaturesBuilt for every corner of the deposit market
Pricing
Start your 30 day free trial now
Explore our real-time data, tools, and analytics platform. 30-day free trial.
Standard
$89
/month
Largest 1,000 banks by deposits
Branch-level competitor maps
Promotional rate tagging
Audit
Watchlists
Instant notifications
Excel downloads
Request custom institutions
Request custom reports
API access
Full access. Cancel anytime
Professional
$299
/month
Largest 1,000 banks by deposits
Branch-level competitor maps
Promotional rate tagging
Audit
Watchlists
Instant notifications
Excel downloads
Request custom institutions
Request custom reports
API access
Full access. Cancel anytime
Custom
Starting at
$499
/month
Largest 1,000 banks by deposits
Branch-level competitor maps
Promotional rate tagging
Audit
Watchlists
Instant notifications
Excel downloads
Request custom institutions
Request custom reports
API access
FAQ
Frequently Asked Questions
Answers to common questions about Deposit Monitor