*National rates contained in the Content are calculated based on a simple average of rates paid (uses annual percentage yield) by all FDIC insured depository institutions and branches for which data are available. RateWatch gathers the data used to calculate the national rates on a weekly basis. Savings account rate is based on a minimum balance of $2,500 while money market products are based on minimum balances of $10,000, $25,000 and $100,000, respectively. Account types and maturities included in the Content are those most commonly offered by the banks and branches for which RateWatch has data - no fewer than 50,000 locations and as many as 80,000 locations are included in the calculation. The deposit rates of credit unions are not included in the calculation.