Whats the Deal with Deposit Rates Lately?

Hey everyone, I’ve been diving into some savings accounts and noticed the deposit rates are all over the place right now. Some banks are offering enticing rates, while others seem to be stuck in the past. Has anyone here found a good deal recently? Or do you think it’s just a ploy to lure in new customers?

I’m also curious about how often these rates actually change. I don’t want to commit to a bank only to find out they’ll drop my rate in a few months. Plus, are online banks really that much better than the traditional ones when it comes to deposit rates? Any insights or personal experiences would be super helpful!