CINXE.COM

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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts" > Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts" > Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts" > Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts" > Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link" > Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link" > All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link" > Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link" > Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates" > Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates" > Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates" > Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates" > Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link" > CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link" > CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link" > CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link" > CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link" > Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link" > Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link" > How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link" > MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2024/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2024" data-outcome="send to link" > Best banks of 2024</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="3" data-text="Bank reviews" data-outcome="send to link" > Bank reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/federal-reserve/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="4" data-text="Federal Reserve news " data-outcome="send to link" > Federal Reserve news </a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/capital-one/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="1" data-text="Capital One review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Capital One review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Capital One Bank</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/marcus/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link" > Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link" > Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link" > Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link" > Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link" > Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - 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class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024" > Best cards of 2024</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards" > Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards" > Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards" > Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards" > Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards" > Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards" > Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards" > Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link" > Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link" > Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link" > Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link" > Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link" > Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link" > Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link" > Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target="" > Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target="" > Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target="" > Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target="" > Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="1" data-text="Small business loans resources" data-outcome="send to link" > Small business loans resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="2" data-text="Small business loan reviews" data-outcome="send to link" > Small business loan reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/business-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="3" data-text="Small business loan calculator" data-outcome="send to link" > Small business loan calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/small-business/how-do-small-business-loans-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="1" data-text="Kin insurance review" data-outcome="send to link" > Kin insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/hippo-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="2" data-text="Hippo insurance review" data-outcome="send to link" > Hippo insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/lemonade/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="3" data-text="Lemonade insurance review" data-outcome="send to link" > Lemonade insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/citizens-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - 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</div> </div> <div class="RateTableHeader-content"> <div class="wysiwyg display-inline"> <h1 class="type-heading-one mt-8">Best 3-year CD rates for November 2024</h1></div> <div data-cy="byline" x-data="{expanded: false}" class="Byline display-flex flex-wrap gap-y-4 align-items-center"> <div class="Byline-user display-flex align-items-center"> <img srcset="https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 pos-relative z-layer-one flex-shrink-0" alt=""> <span> <span class="text-slate font-circular-book" data-preamp="mortgage-dark-mode">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('vAjTj2')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-vAjTj2" aria-controls="tooltip-content-vAjTj2" x-bind="trigger"> Karen Bennett</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-vAjTj2" aria-hidden="true" aria-labelledby="tooltip-trigger-vAjTj2" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/karen-bennett/" class="Link Link--standalone text-black"> Karen Bennett</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior consumer banking reporter</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Banking</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Karen Bennett is a senior consumer banking reporter at Bankrate. She uses her finance writing background to help readers learn more about savings and checking accounts, CDs, and other financial matters.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/karen-bennett/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/Karen0077" target="_blank" rel="nofollow" aria-label="Connect with Karen Bennett on Twitter" data-beam-element-clicked id="author_bio_karen_bennett_twitter_icon" data-type="icon" data-location="author_bio_karen_bennett" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 2.86h2.841l5.337 7.473.827 1.162 6.93 9.71h-2.84l-5.658-7.931Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/karenbennett007/" target="_blank" rel="nofollow" aria-label="Connect with Karen Bennett on LinkedIn" data-beam-element-clicked id="author_bio_karen_bennett_linkedin_icon" data-type="icon" data-location="author_bio_karen_bennett" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/karen-bennett/" class="text-link text-black plain font-circular-bold ">Karen Bennett</a> </div> </span> </div> <div class="Byline-user "> <img srcset="https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('7JquS5')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-7JquS5" aria-controls="tooltip-content-7JquS5" x-bind="trigger"> Marc Wojno</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-7JquS5" aria-hidden="true" aria-labelledby="tooltip-trigger-7JquS5" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/marc-wojno/" class="Link Link--standalone text-black"> Marc Wojno</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior editor, Banking</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 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1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Savings accounts</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Marc Wojno is a seasoned and accomplished finance editor and writer with more than two decades of experience editing and writing across a variety of news platforms including newswires, newsletters, magazines and online news sites.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/marc-wojno/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/feed/?trk=homepage-basic_sign-in-submit" target="_blank" rel="nofollow" aria-label="Connect with Marc Wojno on LinkedIn" data-beam-element-clicked 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type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/marc-wojno/" class="text-link text-black plain font-circular-bold ">Marc Wojno</a> </div> </span> </div> <div class="Byline-user "> <img srcset="https://www.bankrate.com/2021/05/06111913/Robert-Heahshot_sized.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/05/06111913/Robert-Heahshot_sized.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/05/06111913/Robert-Heahshot_sized.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/05/06111913/Robert-Heahshot_sized.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('7IW7lx')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-7IW7lx" aria-controls="tooltip-content-7IW7lx" x-bind="trigger"> Robert R. Johnson</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-7IW7lx" aria-hidden="true" aria-labelledby="tooltip-trigger-7IW7lx" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2021/05/06111913/Robert-Heahshot_sized.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/05/06111913/Robert-Heahshot_sized.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/05/06111913/Robert-Heahshot_sized.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/05/06111913/Robert-Heahshot_sized.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/robert-r-johnson/" class="Link Link--standalone text-black"> Robert R. Johnson</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Professor of finance, Creighton University</span> </div> </div> <div class="AuthorPreview-expertise my-4"> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Robert R. Johnson, Ph.D., CFA, CAIA, is a professor of finance at Creighton University and chairman and CEO of Economic Index Associates, LLC.</div> <a class="text-blue text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/robert-r-johnson/" class="text-link text-black plain font-circular-bold ">Robert R. Johnson</a> </div> </span> </div> </div> <div class="wysiwyg display-inline"> <p>Best available rates across different account types for Sunday, November 24, 2024</p></div> <div class="RateTableHeader-cards mt-3"> <button id="what-to-know-first-trigger" class="Card Card--accentedBottom Card--icon cursor-pointer" type="button" aria-controls="what-to-know-first-content" aria-expanded="false" data-toggle-visibility="what-to-know-first-content" data-beam-element-clicked data-type="Button" data-location="above rate table" data-position="null" data-text="What to know first" data-outcome="open accordion" > <div class="display-flex flex-direction-column justify-content-center w-full h-full align-items-center sm:justify-content-start sm:flex-direction-row px-5 py-6 text-black"> <i class="Icon sm:mr-4 mb-2 sm:mb-0"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Book Icon</title><path d="M5.555 21.14c2.989.162 5.628 1.347 7.316 2.326a2.026 2.026 0 0 0 2.065 0c1.706-.979 4.372-2.182 7.406-2.326a1.68 1.68 0 0 0 1.616-1.67V6.383c0-.467-.197-.925-.53-1.24a1.642 1.642 0 0 0-1.203-.439c-2.693.17-5.063 1.248-6.57 2.128a3.53 3.53 0 0 1-3.502 0c-1.517-.88-3.887-1.957-6.58-2.128-.44-.027-.871.126-1.203.43a1.69 1.69 0 0 0-.53 1.24v13.08c0 .898.71 1.625 1.616 1.67.036 0 .063 0 .099.009v.008Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.992 22.003a3.18 3.18 0 0 1-1.599-.426c-1.434-.828-3.663-1.836-6.172-1.951-.032 0-.065 0-.098-.008A2.835 2.835 0 0 1 1.5 16.79V4.847c0-.787.328-1.549.902-2.09a2.778 2.778 0 0 1 2.073-.754c2.705.164 5.074 1.246 6.582 2.115.59.336 1.295.336 1.886 0 1.5-.87 3.86-1.943 6.573-2.115.77-.05 1.517.221 2.082.754a2.87 2.87 0 0 1 .902 2.09V16.79a2.847 2.847 0 0 1-2.721 2.836c-2.509.115-4.738 1.123-6.172 1.95a3.18 3.18 0 0 1-1.599.427h-.016Zm-7.623-3.68c2.73.147 5.14 1.23 6.68 2.122.093.055.19.1.287.138V5.613a3.23 3.23 0 0 1-.943-.356C9.008 4.454 6.844 3.47 4.385 3.314a1.483 1.483 0 0 0-1.098.394 1.543 1.543 0 0 0-.484 1.131v11.943c0 .82.648 1.483 1.476 1.524.032 0 .057 0 .09.008v.009Zm8.565 2.122c-.093.055-.188.1-.286.138V5.614c.327-.067.645-.186.942-.357a16.07 16.07 0 0 1 1-.537V9.11c0 .245.131.467.344.582.099.049.205.073.312.073v-.008a.64.64 0 0 0 .36-.106l.918-.607a.433.433 0 0 1 .484 0l.918.615a.66.66 0 0 0 .672.033.666.666 0 0 0 .344-.582V3.375c.214-.026.43-.047.648-.06a1.5 1.5 0 0 1 1.099.401c.303.287.483.705.483 1.131v11.951c0 .82-.647 1.484-1.475 1.525-2.77.13-5.205 1.23-6.763 2.122Zm4.697-16.833a13.77 13.77 0 0 0-1.73.536v3.74a1.758 1.758 0 0 1 1.73 0V3.611Zm-1.943 11.57a.648.648 0 0 1-.606-.409.66.66 0 0 1 .368-.852l2.386-.943a.66.66 0 0 1 .852.369.66.66 0 0 1-.369.852l-2.385.943a.65.65 0 0 1-.238.049l-.008-.008Zm-7.845-.049c.074.033.156.05.238.05l.008-.009a.656.656 0 0 0 .607-.41.66.66 0 0 0-.369-.852l-2.385-.943a.66.66 0 0 0-.853.37.66.66 0 0 0 .37.852l2.384.942Zm0-4.918c.074.033.156.05.238.05h.008a.66.66 0 0 0 .238-1.27L5.942 8.05a.66.66 0 0 0-.853.37.66.66 0 0 0 .37.852l2.384.942Z" class="icon-base"/></svg></i> What to know first </div> </button> <button id="on-this-page-trigger" class="Card Card--accentedBottom Card--icon cursor-pointer" type="button" aria-controls="on-this-page-content" aria-expanded="false" data-toggle-visibility="on-this-page-content" data-beam-element-clicked data-type="Button" data-location="above rate table" data-position="null" data-text="On this page" data-outcome="open accordion" > <div class="display-flex flex-direction-column justify-content-center w-full h-full align-items-center sm:justify-content-start sm:flex-direction-row px-5 py-6 text-black"> <i class="Icon sm:mr-4 mb-2 sm:mb-0"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Menu List Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M3 5.972a1.099 1.099 0 1 0 2.197 0 1.099 1.099 0 0 0-2.197 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Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.</p> <h4>Key Principles</h4> <p>We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.</p> <h4>Editorial Independence</h4> <p>Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. 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Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.</p> <p>Bankrate follows a strict <a class="Link" title="editorial policy" href="https://www.bankrate.com/editorial-guidelines/">editorial policy</a>, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.</p> <p>We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.</p> <p>Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.</p> </div></div><button data-cy="modalClose" class="Modal-close" type="button" data-target="how-we-make-money" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> <div id="what-to-know-first-content" class="RateTableHeader-collapsibleContent display-none" role="region" tabindex="-1" data-toggle-visibility-content-family="rate-table-header"> <div class="display-flex justify-content-space-between md:justify-content-flex-start align-items-center mb-6"> <h2 class="type-heading-six uppercase mb-1 pr-5"> What To Know First </h2> <button type="button" class="RateTableHeader-collapse Link Link--standalone px-0" aria-controls="what-to-know-first-content" aria-expanded="false" data-toggle-visibility="what-to-know-first-content" data-toggle-origin-id="what-to-know-first-trigger"> Collapse <i class="Icon Icon--xs ml-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></i> </button> </div> <div class="wysiwyg display-inline"> <p>A certificate of deposit typically pays a higher yield the longer its term, which can vary from weeks to months to years. A three-year CD, for example, frequently pays a higher rate than a <a class="Link" href="https://www.bankrate.com/banking/cds/best-3-month-cd-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="three-month CD" data-type="LINK" data-position="1" data-name="article-link" data-outcome="INTERNALLINK" data-beam-uid="2" data-beam-event="click">three-month CD</a>. The trade-off, of course, is that you must leave your money untouched five times longer to earn the higher annual percentage yield (APY) or face a penalty.</p> <p>Today’s top, widely available three-year CD pays 5 percent APY — higher than some of the <a class="Link" href="https://www.bankrate.com/banking/cds/best-4-year-cd-rates/">best four-year CD rates</a>. A CD that matures in three years could be a good investment for mid-term financial obligations, like a down payment on a car.</p> <h2>Bankrate’s picks for the top 3-year CD rates</h2> <p><ul data-show-all="false"> <li> <a class="Link" href="#institution-details-5529">SchoolsFirst Federal Credit Union</a> — 4.20% APY, $500 minimum deposit</li> <li> <a class="Link" href="#institution-details-5291">America First Credit Union</a> — 4.15% APY, $500 minimum deposit</li> <li> <a class="Link" href="#institution-details-1966">First Internet Bank of Indiana</a> — 3.77% APY, $1,000 minimum deposit</li> <li> <a class="Link" href="#institution-details-8289">Synchrony Bank</a> — 3.75% APY, no minimum deposit</li> <li> <a class="Link" href="#institution-details-10310">Limelight Bank</a> — 3.75% APY, $1,000 minimum deposit</li> <li> <a class="Link" href="#institution-details-5551">Randolph-Brooks Federal Credit Union</a> — 3.71% APY, $1,000 minimum deposit</li> <li> <a class="Link" href="#institution-details-9904">Marcus by Goldman Sachs</a> — 3.65% APY, $500 minimum deposit</li> <li> <a class="Link" href="#institution-details-11768">Alliant Credit Union</a> — 3.65% APY, $1,000 minimum deposit</li> <li> <a class="Link" href="#institution-details-8351">Capital One</a> — 3.60% APY, no minimum deposit</li> <li> <a class="Link" href="#institution-details-10586">TAB Bank</a> — 3.60% APY, $1,000 minimum deposit</li> </ul> </p> <p><em>Note: Annual percentage yields (APYs) shown were updated between Nov. 17, 2024 and Nov. 23, 2024. Bankrate's editorial team validates this information regularly, typically biweekly. APYs may have changed since they were last updated and may vary by region for some products. Bankrate includes only FDIC banks or NCUA credit unions in its listings.</em></p></div> <button type="button" class="RateTableHeader-collapse Link Link--standalone px-0" aria-controls="what-to-know-first-content" aria-expanded="false" data-toggle-visibility="what-to-know-first-content" data-toggle-origin-id="what-to-know-first-trigger"> Collapse </button> </div> <div id="on-this-page-content" class="RateTableHeader-collapsibleContent display-none" role="region" tabindex="-1" data-toggle-visibility-content-family="rate-table-header"> <div class="display-flex justify-content-space-between md:justify-content-flex-start align-items-center mb-6"> <h2 class="type-heading-six uppercase mb-1 pr-5"> On This Page </h2> <button type="button" class="RateTableHeader-collapse Link Link--standalone px-0" aria-controls="on-this-page-content" aria-expanded="false" data-toggle-visibility="on-this-page-content" data-toggle-origin-id="on-this-page-trigger"> Collapse <i class="Icon Icon--xs ml-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></i> </button> </div> <ul class="mb-0"> <li class="mb-2"> <a class="Link rth-links-on-this-page" href="#top-banks-cd-rates">Bankrate's picks for the top 3-year CD rates</a> </li> <li class="mb-2"> <a class="Link rth-links-on-this-page" href="#what-is-3-year-cd">What is a 3-year CD?</a> </li> <li class="mb-2"> <a class="Link rth-links-on-this-page" href="#how-to-find-best-rates">How to find the best 3-year CD rates</a> </li> <li class="mb-2"> <a class="Link rth-links-on-this-page" href="#three-year-faqs">3-year CD FAQs</a> </li> <li class="mb-2"> <a class="Link rth-links-on-this-page" href="#research-methodology">Research methodology</a> </li> </ul> </div> </div> </div> <div class="RateTableHeader-bottom"> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('why-trust-bankrate-modal', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="why-trust-bankrate-modal" class="Modal is-closed " role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="why-trust-bankrate-modal" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="why-trust-bankrate-modal-title"> <div class="p-6 bg-white box-shadow-four rounded-lg max-w-3xl"> <h3 class="type-heading-four mb-8" id="why-trust-bankrate-modal-title"> The Bankrate promise </h3> <div class="wysiwyg display-inline"> <div class=""> <p>Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.</p> <p>Bankrate follows a strict <a class="Link" title="editorial policy" href="https://www.bankrate.com/editorial-guidelines/">editorial policy</a>, so you can trust that we’re putting your interests first. All of our content is authored by <a class="Link" title="highly qualified professionals" href="https://www.bankrate.com/authors/">highly qualified professionals</a> and edited by <a class="Link" title="subject matter experts" href="https://www.bankrate.com/financial-review-board/">subject matter experts</a>, who ensure everything we publish is objective, accurate and trustworthy.</p> <p>Our banking reporters and editors focus on the points consumers care about most — the best banks, latest rates, different types of accounts, money-saving tips and more — so you can feel confident as you’re managing your money.</p> </div></div> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="why-trust-bankrate-modal" aria-label="close" @click=""></button> </div> </div> </template> </div> <div id="__next"><div class="wrt-RateTable"><div class="wrt-RateTable-container wrapper is-loadingFeatureFlags"><div class="wrt-RateTable-header px-4 md:px-1 lg:px-0"><div class="wrt-AccountTypeFilters wrt-AccountTypeFilters--fluid"><div class="wrt-AccountTypeFilters-title">Show me:</div><div class="wrt-AccountTypeFilters-tooltip"><div class="wrt-Tooltip"><div class="wrt-Tooltip-trigger" aria-label="Account type information" aria-describedby="tooltip-:R16sm:" tabindex="0" role="button"><svg width="17" height="16" xmlns="http://www.w3.org/2000/svg" color="#0157FF"><path d="M8.5 0a8 8 0 1 1 0 16 8 8 0 0 1 0-16zm0 1a7 7 0 1 0 0 14 7 7 0 0 0 0-14zm1 6v5h-2V7h2zm-1-3a1 1 0 0 1 1 1.012.994.994 0 0 1-1 .988c-.549 0-1-.451-1-.988 0-.56.451-1.012 1-1.012z" fill="currentColor" fill-rule="evenodd"></path></svg></div><div class="wrt-Tooltip-content Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorLeft wrt-Tooltip--large" id="tooltip-:R16sm:" role="tooltip"><div class="Tooltip-body"><div class="Tooltip-arrow"></div><p class="text-crop-none">The following accounts can be found at most banks and credit unions. They’re federally insured for up to $250,000 and offer a safe place to put your money while earning interest.</p><div class="text-base mb-1 text-gray-900 font-bold">Certificate of Deposit (CD)</div><p class="text-crop-none">CDs are best for individuals looking for a guaranteed rate of return that’s typically higher than a savings account. In exchange for a higher rate, funds are tied up for a set period of time and early withdrawal penalties may apply.</p><div class="text-base mb-1 text-gray-900 font-bold">Checking account</div><p class="text-crop-none">Checking accounts are best for individuals who want to keep their money safe while still having easy, day-to-day access to their funds. ATM and other transactional fees may apply.</p><div class="text-base mb-1 text-gray-900 font-bold">Savings / Money Market Accounts (MMA)</div><p class="text-crop-none">Savings and MMAs are good options for individuals looking to save for shorter-term goals. They’re a safe way to separate your savings from everyday cash, but may require larger minimum balances and have transfer limitations.</p></div></div></div></div><div class="wrt-AccountTypeFilters-pills"><span class="wrt-PillFilter FormPill"><input id=":R3msm:" class="FormPill-input" type="checkbox" checked=""/><label class="wrt-PillFilter-label FormPill-label" for=":R3msm:">CDs</label></span><span class="wrt-PillFilter FormPill"><input id=":R5msm:" class="FormPill-input" type="checkbox"/><label class="wrt-PillFilter-label FormPill-label" for=":R5msm:">Checking</label></span><span class="wrt-PillFilter FormPill"><input id=":R7msm:" class="FormPill-input" type="checkbox"/><label class="wrt-PillFilter-label FormPill-label" for=":R7msm:">Savings & MMAs</label></span></div></div><div class="wrt-UserCriteriaFilters wrt-UserCriteriaFilters--hideOnTablet"><div class="wrt-UserCriteriaFilters-inputs"><div class="wrt-InputText"><div class="FormControl"><label class="FormLabel right-addon" for="input-text-:Rosm:">Zip code</label><span class="FormLabel-additionalCopy"><svg width="12" height="16" xmlns="http://www.w3.org/2000/svg"><path d="M6 0c3.156 0 6 2.845 6 6 0 5.715-6 10-6 10S0 11.715 0 6c0-3.155 2.844-6 6-6zm0 2C3.944 2 2 3.944 2 6c0 3.176 2.482 5.973 4.004 7.39C7.526 11.979 10 9.196 10 6c0-2.056-1.944-4-4-4zm0 2a2 2 0 1 1-.001 4.001A2 2 0 0 1 6 4z" fill="#151515" fill-rule="evenodd"></path></svg></span><input class="FormInput" id="input-text-:Rosm:" maxLength="5" type="text" value="90210"/></div></div><div class="wrt-InputText"><div class="FormControl FormControl--withLeftIcon wrt-InputText--withLeftIcon" data-format="$"><label class="FormLabel" for="input-text-:R18sm:">Deposit amount</label><input class="FormInput" id="input-text-:R18sm:" type="text" value="25,000"/></div></div></div></div><button class="wrt-RateTable-openMobileFilters Button Button--neutral" type="button"><svg class="wrt-Icon--fill Icon Icon--xs" width="14" height="10" xmlns="http://www.w3.org/2000/svg"><g transform="translate(-132 -19)"><path d="M139.83 27.333V29h-1.666v-1.667h1.666zm2.5-4.166v1.666h-6.666v-1.666h6.666zM145.664 19v1.667H132.33V19h13.334z"></path></g></svg> Filters</button></div><div class="wrt-RateTable-main wrt-RateTable-uninitialized"><div class="wrt-RateTable-sideBar"><div class="wrt-WowLowRates"><div class="wrt-WowLowRates-content"><div class="wrt-WowLowRates-title">Current savings trends</div><div class="wrt-WowLowRates-metricContainer"><div class="wrt-WowLowRates-metric"><div class="wrt-WowLowRates-metricTitle">Bankrate Partner average</div><div class="wrt-WowLowRates-metricValue">4.51% APY</div></div><div class="wrt-WowLowRates-metric"><div class="wrt-WowLowRates-metricTitle">National average</div><div class="wrt-WowLowRates-metricValue">0.56% APY</div></div></div></div><div class="wrt-WowLowRates-tooltip"><div class="wrt-Tooltip"><div class="wrt-Tooltip-trigger" aria-label="Learn about how we calculate this data" aria-describedby="tooltip-:Ribcm:" tabindex="0" role="button"><svg width="17" height="16" xmlns="http://www.w3.org/2000/svg" color="#0157FF"><path d="M8.5 0a8 8 0 1 1 0 16 8 8 0 0 1 0-16zm0 1a7 7 0 1 0 0 14 7 7 0 0 0 0-14zm1 6v5h-2V7h2zm-1-3a1 1 0 0 1 1 1.012.994.994 0 0 1-1 .988c-.549 0-1-.451-1-.988 0-.56.451-1.012 1-1.012z" fill="currentColor" fill-rule="evenodd"></path></svg></div><div class="wrt-Tooltip-content Tooltip-content Tooltip-content--anchorLeft wrt-Tooltip--medium" id="tooltip-:Ribcm:" role="tooltip"><div class="Tooltip-body"><div class="Tooltip-arrow"></div>The "Bankrate Partner average" is calculated from the average of the top savings account offers from the institutions we track, included on this page as of 11/24/2024. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.</div></div></div></div></div><div class="wrt-RateTable-filters"><div class="wrt-Filters"><div class="wrt-Collapsible"><p class="wrt-Collapsible-header text-crop-none"><button type="button" data-testid="collapsible-cd-label" class="wrt-Collapsible-trigger border-b border-gray-600" id="collapsible-cd-label" aria-expanded="true" aria-controls="collapsible-cd"><span class="wrt-Collapsible-headerTitle">CDs</span><svg width="7" height="12" focusable="false" aria-hidden="true" style="transform:rotate(270deg)" class="wrt-Collapsible-chevron" title="Close"><path d="M1.4 12L0 10.5 4.2 6 0 1.5 1.4 0 7 6l-5.6 6z"></path></svg></button></p><div id="collapsible-cd" role="region" class="wrt-Collapsible-body" aria-labelledby="collapsible-cd-label" data-testid="collapsible-cd"><div class="wrt-InputCheckbox"><label class="FormCheckbox"><input class="FormCheckbox-input" type="checkbox" checked=""/><span class="FormCheckbox-fauxInput Icon"><svg width="12" height="9" viewBox="0 0 12 9" fill-rule="evenodd" class="Icon-glyph"><path d="M4.1 6.1L1.4 3.4 0 4.9 4.1 9l7.6-7.6L10.3 0z"></path></svg></span>CD rates</label></div><div class="wrt-InputCheckbox"><label class="FormCheckbox"><input class="FormCheckbox-input" type="checkbox" checked=""/><span class="FormCheckbox-fauxInput Icon"><svg width="12" height="9" viewBox="0 0 12 9" fill-rule="evenodd" class="Icon-glyph"><path d="M4.1 6.1L1.4 3.4 0 4.9 4.1 9l7.6-7.6L10.3 0z"></path></svg></span>CD IRA rates</label></div><div class="wrt-InputCheckbox"><label class="FormCheckbox"><input class="FormCheckbox-input" type="checkbox" checked=""/><span class="FormCheckbox-fauxInput Icon"><svg width="12" height="9" viewBox="0 0 12 9" fill-rule="evenodd" class="Icon-glyph"><path d="M4.1 6.1L1.4 3.4 0 4.9 4.1 9l7.6-7.6L10.3 0z"></path></svg></span>No penalty CD rates</label></div><div class="wrt-InputSelect"><div 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It doesn’t require a minimum opening deposit and you won’t pay a monthly service fee with this account. Capital One is one of the few online banks that you can visit at a branch location to withdraw cash.","savings_mmas_pros":"The bank pays a competitive yield on its 360 Performance Savings Account. \r\nThe Capital One 360 Performance Savings Account doesn’t have a monthly service fee.\r\nYou don’t need a minimum opening deposit. \r\nYou can deposit checks through mobile deposit with this account.","savings_mmas_cons":"Some banks offer a higher yield on their savings accounts.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Capital One 360 Checking is an online checking account that offers no monthly fees and no minimum balance requirements. 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Capital One is one of the few online banks that you can visit at a branch location to withdraw cash.","savings_pros":"The bank pays a competitive yield on its 360 Performance Savings Account. \r\nThe Capital One 360 Performance Savings Account doesn’t have a monthly service fee.\r\nYou don’t need a minimum opening deposit. \r\nYou can deposit checks through mobile deposit with this account.","savings_cons":"Some banks offer a higher yield on their savings accounts.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"10435","advertiser_name":"CIBC Bank USA","cd_qualifications":"Though there are banks with lower minimums on CDs, CIBC's $1,000 minimum deposit is manageable, but there are only four standard terms for savers to choose from.","cd_expert_take":"CIBC Bank USA offers six online-only Agility CDs that earn competitive yields on a minimum deposit of at least $1,000. The bank also offers a jumbo CD that requires a $100,000 minimum deposit, as well as an IRA CD.","cd_pros":"CIBC Bank USA pays competitive yields on its CDs.\r\nJumbo CDs and an IRA CD are offered.","cd_cons":"The number of available CD terms is limited.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"The CIBC Bank USA Agility Savings Account offers a very competitive yield. There’s no monthly fees, although you’ll need to have at least $1,000 to open an account.","savings_mmas_pros":"You won’t pay a monthly service fee with CIBC’s Agility savings account. \r\nYou’ll earn a very competitive yield with this account.","savings_mmas_cons":"A $1,000 minimum opening deposit is required to open the CIBC Agility Savings account.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"CIBC Bank’s iCan Checking is a basic checking account that earns 1% cash back on debit card purchases, up to $20 each statement cycle. Customers also get reimbursed up to $50 in ATM fees. The account comes without a monthly maintenance fee.","checking_pros":"There’s no monthly maintenance fee.\r\nCustomers get a large amount of reimbursements each month for ATM fees.\r\nThe iCan Checking account features cashback.","checking_cons":"If you’re looking specifically for a cash back checking account, better offers can be found elsewhere.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"The CIBC Bank USA Agility Savings Account offers a very competitive yield. There’s no monthly fees, although you’ll need to have at least $1,000 to open an account.","savings_pros":"You won’t pay a monthly service fee with CIBC’s Agility savings account. \r\nYou’ll earn a very competitive yield with this account.","savings_cons":"A $1,000 minimum opening deposit is required to open the CIBC Agility Savings account.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"CIBC Bank’s Personal Money Market Account offers a very low yield. The account can be opened with $50 and it comes with a $15 monthly fee, which can be waived with a relatively large balance. Only residents of select counties of a handful of states can apply for this account online.","mmas_pros":"Only $50 is required to open an account.","mmas_cons":"CIBC Bank’s Personal Money Market Account offers a very low yield.\r\nA monthly balance above $2,500 is required to waive the $15 monthly fee. \r\nMost U.S. residents can’t open this account online. \r\nRate information isn’t prominently listed on CIBC’s website.","enable_mmas":1},{"advertiser_id":"10529","advertiser_name":"CFG Bank","cd_qualifications":"The five CFG Bank CDs each require a minimum of $500 to open, making them accessible to most savers.","cd_expert_take":"CFG Bank is a regional bank that maintains branches in Maryland, although some of its accounts can be opened online. CFG offers four terms of CDs, all of which pay top-notch rates. What’s more, they require a comparatively low minimum deposit of $500.","cd_pros":"CFG Bank’s CD interest rates are highly competitive.\r\nThe minimum opening deposit for CDs is manageable.","cd_cons":"Only four terms of CDs are offered.\r\nNo specialty CD options are available.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"CFG Bank has been around since 2009. It offers its CFG High Yield Money Market both online and in a branch. You can earn a competitive APY with the High Yield Money Market account, but you’ll only earn interest on balances of $1,000 or more. You’ll also need at least $1,000 to open this account.","savings_mmas_pros":"CFG offers a competitive APY on its High Yield Money Market account. \r\nThe account is available both online and in CFG branches.","savings_mmas_cons":"A $1,000 minimum balance must be maintained to earn interest or avoid a monthly service fee.\r\nCheck writing is not available with the account.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"CFG offers just a checking account called Basic Checking. The account comes without monthly fees and features unlimited check writing and the first order of basic checks are free. The minimum deposit to open an account is just $50.","checking_pros":"There aren’t monthly maintenance fees associated with the Basic Checking account.\r\nCustomers have fee-free access to CFG and Allpoint ATMs.\r\nThe first order of checks are free.","checking_cons":"The maximum opening deposit is limited to $1,000.\r\nThere’s an $8 fee for using out-of-network ATMs.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"CFG Bank has been around since 2009. It offers its CFG High Yield Money Market both online and in a branch. You can earn a competitive APY with the High Yield Money Market account, but you’ll only earn interest on balances of $1,000 or more. You’ll also need at least $1,000 to open this account.","savings_pros":"CFG offers a competitive APY on its High Yield Money Market account. \r\nThe account is available both online and in CFG branches.","savings_cons":"A $1,000 minimum balance must be maintained to earn interest or avoid a monthly service fee.\r\nCheck writing is not available with the account.","enable_savings":0,"mmas_qualifications":null,"mmas_expert_take":"CFG’s High Yield Money Market Account is true to its name, offering a very high interest rate to help you grow your savings. Customers need $1,000 to open the account, and they must maintain that amount to earn interest and avoid a $10 monthly fee. The account doesn’t offer check-writing privileges.","mmas_pros":"CFG’s money market account comes with a highly competitive yield.\r\nThe monthly fee can be waived.","mmas_cons":"You must maintain $1,000 in the account to earn interest and avoid the monthly fee. \r\nCustomers can’t write checks from CFG’s money market account.","enable_mmas":1},{"advertiser_id":"9904","advertiser_name":"Marcus by Goldman Sachs","cd_qualifications":"With a $500 minimum deposit to open an account, the barrier to opening a certificate of deposit at Marcus is low. There is no minimum balance requirement to keep the account open, though a minimum $500 balance is needed to earn the APY.","cd_expert_take":"Marcus by Goldman Sachs offers nearly every term and type of CD that most savers would want along with competitive rates. Marcus also offers a 10-day rate guarantee if the rate changes after opening the CD.","cd_pros":"Marcus by Goldman Sachs consistently offers competitive yields. \r\nMarcus offers a variety of CD terms, so you can easily build a CD ladder at this bank. \r\nAn account can be opened with as little as $500.\r\nOffers three terms of no-penalty CDs.","cd_cons":"Some banks have lower minimum deposit requirements. \r\nPartial withdrawals are not allowed from the no-penalty CDs","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Marcus by Goldman Sachs offers a highly competitive yield on its savings account for all balances. With no fees and no minimum deposit, Marcus is a good option for savers who are comfortable with banking exclusively online.","savings_mmas_pros":"Marcus by Goldman Sachs consistently offers high yields.\r\nThere’s no minimum deposit required to open a Marcus Online Savings Account.\r\nMarcus by Goldman Sachs has customer service representatives available 24/7.","savings_mmas_cons":"There are some other banks that offer a higher yield.\r\nThe Marcus by Goldman Sachs Online Savings Account doesn’t allow mobile check deposits. You’ll need to mail checks to the bank.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":"Marcus by Goldman Sachs offers a highly competitive yield on its savings account for all balances. With no fees and no minimum deposit, Marcus is a good option for savers who are comfortable with banking exclusively online.","savings_pros":"Marcus by Goldman Sachs consistently offers high yields.\r\nThere’s no minimum deposit required to open a Marcus Online Savings Account.\r\nMarcus by Goldman Sachs has customer service representatives available 24/7.","savings_cons":"There are some other banks that offer a higher yield.\r\nThe Marcus by Goldman Sachs Online Savings Account doesn’t allow mobile check deposits. You’ll need to mail checks to the bank.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"11844","advertiser_name":"LendingClub","cd_qualifications":null,"cd_expert_take":"LendingClub offers competitive yields on its CDs and there are five terms to choose from. A minimum deposit of $2,500 is required, however.","cd_pros":"LendingClub’s CDs earn high APYs.\r\nA wide range of terms are available, between six months and five years.","cd_cons":"Various other banks require lower minimum deposits on CDs.\r\nLendingClub doesn’t offer a no-penalty CD.","enable_cd":1,"savings_mmas_qualifications":"There is no required deposit at the time of opening the LevelUp savings account at LendingClub, nor are there monthly account fees, making it accessible to all savers.","savings_mmas_expert_take":"LendingClub Bank offers a LevelUp Savings account that rewards you with a top yield when you make deposits totaling at least $250 per statement cycle. The account has no monthly service fees and no minimum balance required to earn interest, though your savings rate can vary if you don't meet the $250 requirement in a given month.","savings_mmas_pros":"There is no minimum deposit requirement to open the LevelUp Savings account.\r\nThe account has no monthly fees.\r\nSavers will earn a highly competitive APY with LendingClub Bank.\r\nYou can make your opening deposit with a debit card.","savings_mmas_cons":"To earn the LevelUp rate, you need to deposit at least $250 each month into your account. If you miss a monthly cycle, you will earn a lower, but still high-yielding standard rate.\r\nAs an online-only bank, LendingClub's savings account can only be opened online.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"LendingClub Bank’s Rewards Checking account lets you earn 1 percent back on debit card purchases. It also offers unlimited ATM fee reimbursement, which might be a valuable feature for some. It also could be a time saver if you don’t like searching for an in-network ATM.","checking_pros":"As long as you meet the direct deposit or balance requirements, you can earn 1 percent cash back on debit card purchases. \r\nThe Rewards Checking account has unlimited ATM fee reimbursement. \r\nEarly direct deposit is offered with this account. \r\nThe Rewards Checking earns a little interest.","checking_cons":"You need to keep at least an average balance of $2,500 in the account or have at least $2,500 of direct deposit credits to qualify for the 1 percent cash back. \r\nYou’ll need at least $100,000 in your Rewards Checking account to earn the top yield.","enable_checking":1,"savings_qualifications":"There is no required deposit at the time of opening the LevelUp savings account at LendingClub, nor are there monthly account fees, making it accessible to all savers.","savings_expert_take":"LendingClub Bank offers a LevelUp Savings account that rewards you with a top yield when you make deposits totaling at least $250 per statement cycle. The account has no monthly service fees and no minimum balance required to earn interest, though your savings rate can vary if you don't meet the $250 requirement in a given month.","savings_pros":"There is no minimum deposit requirement to open the LevelUp Savings account.\r\nThe account has no monthly fees.\r\nSavers will earn a highly competitive APY with LendingClub Bank.\r\nYou can make your opening deposit with a debit card.","savings_cons":"To earn the LevelUp rate, you need to deposit at least $250 each month into your account. If you miss a monthly cycle, you will earn a lower, but still high-yielding standard rate.\r\nAs an online-only bank, LendingClub's savings account can only be opened online.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"6642","advertiser_name":"Sallie Mae Bank","cd_qualifications":"The $2,500 minimum opening deposit is more than some of Sallie Mae's competitors and may put opening an account outside the reach of some savers.","cd_expert_take":"Sallie Mae Bank offers 11 terms of CDs. But savers will need to look elsewhere if they don’t have at least $2,500 to open one of these CDs.","cd_pros":"Sallie Mae Bank has nearly every CD needed to build a CD ladder. \r\nSallie Mae Bank offers a competitive yield on its CDs.","cd_cons":"You need at least $2,500 to open a Sallie Mae Bank CD. \r\nSallie Mae Bank doesn’t offer CDs with terms less than six months. \r\nSallie Mae Bank doesn’t offer a no-penalty CD.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Sallie Mae Bank offers a competitive yield on its High-Yield Savings Account. 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You don’t need a minimum opening deposit to open this account and the bank doesn’t charge a monthly service fee.","savings_pros":"You don’t need to make a minimum opening deposit.\r\nSallie Mae Bank currently offers a competitive yield on its High-Yield Savings Account. \r\nTransfers are free.","savings_cons":"Some other online banks offer a higher yield on their savings accounts.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Sallie Mae’s money market account comes with a highly competitive yield. The account doesn’t feature monthly fees or minimum balance requirements. Customers can write checks out of the account, but since it doesn’t offer a debit or ATM card, customers can’t withdraw money via ATMs.","mmas_pros":"The Sallie Mae Money Market account offers a very high APY. \r\nThere are no monthly fees. \r\nThe account comes with check-writing privileges.","mmas_cons":"There’s no debit or ATM card, so customers can’t withdraw money via ATM.","enable_mmas":1},{"advertiser_id":"8289","advertiser_name":"Synchrony Bank","cd_qualifications":"Synchrony has no minimum balance requirement and offers a dozen terms to choose from, so savers looking for options are likely to find a term to match their needs.","cd_expert_take":"Synchrony Bank offers nearly any term of CD you’ll need. You can choose between traditional CDs, a no-penalty CD and a bump-up CD. There’s no minimum deposit required, so nearly anyone can start saving with a Synchrony Bank CD.","cd_pros":"Synchrony Bank CDs offer a competitive yield. \r\nYou can choose between 14 terms of CDs – ranging from three months to five years. \r\nThe bank also offers a no-penalty CD and a bump rate CD. \r\nSynchrony Bank also offers IRA CDs.","cd_cons":"Some banks have higher APYs. \r\nOther banks may offer CD renewal bonuses.","enable_cd":1,"savings_mmas_qualifications":"With no minimum monthly balance requirement and only 1 cent required to open an account, nearly anyone can open a savings account at Synchrony.","savings_mmas_expert_take":"You’ll earn a competitive yield and can access your money at an ATM with the Synchrony Bank High Yield Savings Account. You’ll also have $5 worth of domestic ATM fees reimbursed per month and you won’t be charged a monthly service fee.","savings_mmas_pros":"You can get up to $5 worth of ATM fees reimbursed with this account. \r\nYou’ll earn a competitive yield with Synchrony’s savings account. \r\nThere are no monthly service fees.","savings_mmas_cons":"Some banks pay a higher yield on their savings accounts. \r\nAll tiers have the same APY, so customers are not rewarded for depositing more money","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":"With no minimum monthly balance requirement and only 1 cent required to open an account, nearly anyone can open a savings account at Synchrony.","savings_expert_take":"You’ll earn a competitive yield and can access your money at an ATM with the Synchrony Bank High Yield Savings Account. You’ll also have $5 worth of domestic ATM fees reimbursed per month and you won’t be charged a monthly service fee.","savings_pros":"You can get up to $5 worth of ATM fees reimbursed with this account. \r\nYou’ll earn a competitive yield with Synchrony’s savings account. \r\nThere are no monthly service fees.","savings_cons":"Some banks pay a higher yield on their savings accounts. \r\nAll tiers have the same APY, so customers are not rewarded for depositing more money","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Synchrony Bank’s money market account earns a robust yield, though accounts with much higher yields are available elsewhere. The account is largely free, as it comes without monthly fees and no minimum deposit or minimum balance requirements. But accounts with a zero balance for 60 days or more are subject to closure.","mmas_pros":"Synchrony Bank doesn’t charge monthly fees. \r\nThe account comes without minimum deposit or minimum balance requirements. \r\nThe account offers check-writing privileges.","mmas_cons":"Higher yields on money market accounts can be found elsewhere. \r\nThe account comes with check-writing privileges, and customers can withdraw money via ATM.","enable_mmas":1},{"advertiser_id":"10462","advertiser_name":"Vio Bank","cd_qualifications":"Vio Bank's $500 minimum deposit is lower than many other banks. Plus, the deposit requirement is the same for all accounts, making them much more accessible to a variety of savers with different goals.","cd_expert_take":"Vio Bank is an online bank that offers competitive yields on its CDs and you’ll only need $500 to open one. Nearly every term you’d need for a CD ladder is available. It's one of the few banks that offers a 10-year CD.","cd_pros":"With a 10-year CD, Vio Bank has some of the longest CD terms around. \r\nVio Bank offers a competitive yield on most of its CDs.","cd_cons":"Vio Bank doesn’t offer CDs with a term of less than six months. \r\nVio Bank doesn’t offer a no-penalty CD.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Vio Bank is known as the online banking division of MidFirst Bank. The Vio Bank Cornerstone Money Market Savings Account earns a very competitive yield, requires only $100 to open and doesn’t charge a monthly maintenance fee. The account doesn’t include check-writing privileges or a debit card.","savings_mmas_pros":"The Vio Bank Cornerstone Money Market Savings Account earns a top-notch yield.\r\nA minimum of only $100 is needed to open the account.\r\nThere’s no monthly service fee when you choose e-statements.\r\nVio Bank has phone customer service hours seven days a week.","savings_mmas_cons":"Neither check-writing privileges nor a debit card are provided.\r\nA $5 monthly maintenance fee is charged to those who opt for paper statements.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":"Vio Bank is known as the online banking division of MidFirst Bank. The Vio Bank Cornerstone Money Market Savings Account earns a very competitive yield, requires only $100 to open and doesn’t charge a monthly maintenance fee. The account doesn’t include check-writing privileges or a debit card.","savings_pros":"The Vio Bank Cornerstone Money Market Savings Account earns a top-notch yield.\r\nA minimum of only $100 is needed to open the account.\r\nThere’s no monthly service fee when you choose e-statements.\r\nVio Bank has phone customer service hours seven days a week.","savings_cons":"Neither check-writing privileges nor a debit card are provided.\r\nA $5 monthly maintenance fee is charged to those who opt for paper statements.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Vio Bank’s Cornerstone Money Market Savings Account offers a top-notch yield on all balances. Customers can open an account with just $100, and there’s no monthly fee. But the account comes without a debit card or check-writing privileges, so customers can only digitally deposit or withdraw money to and from other bank accounts.","mmas_pros":"Vio Bank’s money market account offers a highly competitive yield on all balances. \r\nThere’s no monthly fee. \r\nAn account can be opened with just $100.","mmas_cons":"Vio Bank accounts don’t offer debit cards, ATM access or check-writing privileges.","enable_mmas":1},{"advertiser_id":"6596","advertiser_name":"American Express National Bank","cd_qualifications":null,"cd_expert_take":"American Express offers a handful of CDs, and most of them offer a competitive yield. Even the terms with lower APYs are still solid, albeit not the best on the market right now. There’s no minimum balance requirement to open a CD.","cd_pros":"Most American Express CDs offer high yields. \r\nThere’s no minimum balance requirement to open a CD.","cd_cons":"American Express doesn’t offer CDs shorter than 11 months.\r\nSome American Express CDs offer solid but relatively low yields.","enable_cd":1,"savings_mmas_qualifications":"With no monthly fees and no minimum balance requirement, most savers will be able to open an AmEx savings account and earn its competitive APY.","savings_mmas_expert_take":"American Express National Bank offers a competitive yield on its High Yield Savings Account. The account doesn’t require a minimum opening deposit. The account also doesn’t have a monthly service fee or minimum balance requirements to worry about.","savings_mmas_pros":"American Express features 24/7 customer support. \r\nThe bank lets you make automatic deposits into your savings account.","savings_mmas_cons":"Some online banks offer a higher yield.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"The American Express Rewards Checking account offers a top-notch APY and comes without monthly fees or a minimum deposit requirement. Moreover, customers can earn Membership Rewards on eligible Debit Card purchases.","checking_pros":"American Express’ Rewards Checking comes with a very competitive APY.\r\nThere are no monthly fees.\r\nThere isn’t a minimum deposit requirement.","checking_cons":"To open an account, customers need to have had an American Express card for at least three months.","enable_checking":1,"savings_qualifications":"With no monthly fees and no minimum balance requirement, most savers will be able to open an AmEx savings account and earn its competitive APY.","savings_expert_take":"American Express National Bank offers a competitive yield on its High Yield Savings Account. The account doesn’t require a minimum opening deposit. The account also doesn’t have a monthly service fee or minimum balance requirements to worry about.","savings_pros":"American Express features 24/7 customer support. \r\nThe bank lets you make automatic deposits into your savings account.","savings_cons":"Some online banks offer a higher yield.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"11871","advertiser_name":"Bask Bank","cd_qualifications":null,"cd_expert_take":"Bask Bank offers just four CDs, ranging from 6 to 24 months. While its CD list is much smaller than you may find at other banks, all of Bask’s CDs come with top-notch yields. However, you need at least $1,000 to open an account.","cd_pros":"All of Bask Bank CDs come with very high APYs.\r\nThe $1,000 minimum deposit is reasonable.","cd_cons":"There are very few terms to choose from.\r\nBask doesn’t offer specialty CDs, including bump-up or no-penalty CDs.","enable_cd":1,"savings_mmas_qualifications":"With no monthly fee and no minimum requirements, Bask Banks' savings accounts are highly accessible to those interested in online banking. To open a Mileage Savings account, however, you must be a member of American Airlines’ AAdvantage program.","savings_mmas_expert_take":"Bask Bank’s Interest Savings Account earns a highly competitive APY, with no minimum balance requirement or monthly fees. The bank also offers a Mileage Savings Account, which allows you to earn American Airlines miles as rewards, based on your monthly balance.","savings_mmas_pros":"Bask Bank’s Interest Savings Account earns a top-notch yield.\r\nThe Interest Savings Account doesn’t charge a maintenance fee or require a set minimum balance.","savings_mmas_cons":"Bask charges $35 per outgoing wire transfer, which is steep compared to other banks. \r\nNeither savings account comes with ATM access.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":"With no monthly fee and no minimum requirements, Bask Banks' savings accounts are highly accessible to those interested in online banking. To open a Mileage Savings account, however, you must be a member of American Airlines’ AAdvantage program.","savings_expert_take":"Bask Bank’s Interest Savings Account earns a highly competitive APY, with no minimum balance requirement or monthly fees. The bank also offers a Mileage Savings Account, which allows you to earn American Airlines miles as rewards, based on your monthly balance.","savings_pros":"Bask Bank’s Interest Savings Account earns a top-notch yield.\r\nThe Interest Savings Account doesn’t charge a maintenance fee or require a set minimum balance.","savings_cons":"Bask charges $35 per outgoing wire transfer, which is steep compared to other banks. \r\nNeither savings account comes with ATM access.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"10677","advertiser_name":"Citibank","cd_qualifications":null,"cd_expert_take":"Citibank offers a large range of standard CDs, starting as short as three months to five years. The yields vary widely depending on the term. Moreover, Citibank offers no-penalty and step-up CD options.","cd_pros":"A large range of terms are available.\r\nCitibank also offers no-penalty and step-up CDs.\r\nA handful of terms offer very competitive yields.","cd_cons":"A $500 minimum deposit is required to open a CD.\r\nCustomers must have a combined average monthly balance of at least $30,000 to earn relationship yields.","enable_cd":1,"savings_mmas_qualifications":"The Citibank Accelerate Savings account offers an attractive APY, but is unavailable where Citi operates branches. It requires only 1 cent to open, though a $500 minimum balance is needed to waive the monthly service fee.","savings_mmas_expert_take":"The Citi High-Yield Savings account pays a competitive yield, and it doesn’t require a minimum deposit when opening the account. But you will need to open a checking account or keep at least a monthly average of $500 in this savings account in order to avoid a $4.50 monthly service fee.","savings_mmas_pros":"Citibank offers a competitive yield on its High-Yield Savings Account.\r\nLinking your savings with an eligible checking account allows you to earn Citi ThankYou Points.\r\nNo minimum balance is required.","savings_mmas_cons":"This yield and account are only available in select areas. \r\nYou’ll pay a $4.50 fee if you don’t have a Citi checking account and your average monthly balance goes below $500.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":"The Citibank Accelerate Savings account offers an attractive APY, but is unavailable where Citi operates branches. It requires only 1 cent to open, though a $500 minimum balance is needed to waive the monthly service fee.","savings_expert_take":"The Citi High-Yield Savings account pays a competitive yield, and it doesn’t require a minimum deposit when opening the account. But you will need to open a checking account or keep at least a monthly average of $500 in this savings account in order to avoid a $4.50 monthly service fee.","savings_pros":"Citibank offers a competitive yield on its High-Yield Savings Account.\r\nLinking your savings with an eligible checking account allows you to earn Citi ThankYou Points.\r\nNo minimum balance is required.","savings_cons":"This yield and account are only available in select areas. \r\nYou’ll pay a $4.50 fee if you don’t have a Citi checking account and your average monthly balance goes below $500.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"11844","advertiser_name":"Liberty","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":"There is a $5 monthly service fee, but the minimum balance requirement of $300 to avoid the fee is lower than many other banks' minimums.","savings_mmas_expert_take":"Liberty Savings Bank has branches in Florida and features a Convenience Savings account that offers a competitive APY. Account holders need to maintain a minimum balance of $300 to avoid a $5 monthly service fee. Additionally, Liberty offers a Holiday Club Savings account designed for saving for holiday purchases. The accounts can be managed online but can only be opened over the phone or at a branch.","savings_mmas_pros":"Liberty Savings offers a competitive yield on its savings products.\r\nThe $300 minimum balance requirement is lower than many other banks.\r\nCustomers can also open a Holiday Club Savings account to save up for the holiday purchases.","savings_mmas_cons":"The Convenience Savings account charges a $5 monthly service fee if you don't maintain a $300 balance.\r\nSaving accounts can't be opened online.\r\nA $50 account fee applies to accounts closed within six months of opening.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":"There is a $5 monthly service fee, but the minimum balance requirement of $300 to avoid the fee is lower than many other banks' minimums.","savings_expert_take":"Liberty Savings Bank has branches in Florida and features a Convenience Savings account that offers a competitive APY. Account holders need to maintain a minimum balance of $300 to avoid a $5 monthly service fee. Additionally, Liberty offers a Holiday Club Savings account designed for saving for holiday purchases. The accounts can be managed online but can only be opened over the phone or at a branch.","savings_pros":"Liberty Savings offers a competitive yield on its savings products.\r\nThe $300 minimum balance requirement is lower than many other banks.\r\nCustomers can also open a Holiday Club Savings account to save up for the holiday purchases.","savings_cons":"The Convenience Savings account charges a $5 monthly service fee if you don't maintain a $300 balance.\r\nSaving accounts can't be opened online.\r\nA $50 account fee applies to accounts closed within six months of opening.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"9296","advertiser_name":"Live Oak","cd_qualifications":null,"cd_expert_take":"Live Oak Bank offers a wide array of CDs, ranging from three months to five years. Most of the terms offer competitive yields, though the longer-term CD yields are less competitive than the shorter-term ones. Customers need $2,500 to open an account.","cd_pros":"Some Live Oak CDs come with competitive yields. \r\nThere are a large range of terms to choose from.\r\nInterest can be automatically disbursed monthly without penalty.","cd_cons":"A $2,500 minimum deposit is required to open an account, which is high.\r\nSpecial CDs, such as no-penalty and bump-up CDs, are not offered.","enable_cd":1,"savings_mmas_qualifications":"Live Oak Bank's savings account is highly accessible. There's no monthly fee and no minimum balance qualifications, and savers will earn one of the highest savings rates available.","savings_mmas_expert_take":"Live Oak Bank’s online savings account consistently offers one of the highest APYs available. The account doesn't require a minimum opening deposit, nor does it charge a monthly account fee.","savings_mmas_pros":"Live Oak Bank offers a competitive yield on its savings account. \r\nThere’s no minimum balance requirement.\r\nThe account does not charge a monthly maintenance fee.","savings_mmas_cons":"You can earn a higher APY at some other online banks. \r\nAfter six transactions have been made in a statement cycle, the bank charges $10 for each additional transaction.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":"Live Oak Bank's savings account is highly accessible. There's no monthly fee and no minimum balance qualifications, and savers will earn one of the highest savings rates available.","savings_expert_take":"Live Oak Bank’s online savings account consistently offers one of the highest APYs available. The account doesn't require a minimum opening deposit, nor does it charge a monthly account fee.","savings_pros":"Live Oak Bank offers a competitive yield on its savings account. \r\nThere’s no minimum balance requirement.\r\nThe account does not charge a monthly maintenance fee.","savings_cons":"You can earn a higher APY at some other online banks. \r\nAfter six transactions have been made in a statement cycle, the bank charges $10 for each additional transaction.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"10083","advertiser_name":"MyBankingDirect","cd_qualifications":null,"cd_expert_take":"MyBankingDirect is a service of Flagstar Bank N.A. and offers competitive yields on two terms of CDs.","cd_pros":"Rates are competitive.\r\nMyBankingDirect CDs can be opened with just $500.\r\nMaturing CDs can be renewed online at any time.","cd_cons":"MyBankingDirect only offers two terms of CDs according to its website – a one-year CD and a two-year CD. Other banks have a variety of CD terms. \r\nMyBankingDirect only has a seven-day grace period when renewing CDs. Many banks offer a 10-day grace period.","enable_cd":1,"savings_mmas_qualifications":"Savers will need to have at least $500 to stash in the account to open it, but they won't have to worry about incurring a monthly fee should the balance fall below that amount. They'll also earn a high yield regardless of the account's balance.","savings_mmas_expert_take":"MyBankingDirect is a service of Flagstar Bank, which is a subsidiary of New York Community Bancorp. The High Yield Savings Account earns a competitive rate, doesn’t charge a monthly service fee and requires at least a $500 minimum opening deposit.","savings_mmas_pros":"The MyBankingDirect High Yield Savings Account earns a top-notch rate on all balances over $1.\r\nThe account has no monthly service fee.","savings_mmas_cons":"You’ll need at least $500 to open the account.\r\nThe bank charges a $30 fee if you close the account within 180 days of opening it.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":"Savers will need to have at least $500 to stash in the account to open it, but they won't have to worry about incurring a monthly fee should the balance fall below that amount. They'll also earn a high yield regardless of the account's balance.","savings_expert_take":"MyBankingDirect is a service of Flagstar Bank, which is a subsidiary of New York Community Bancorp. The High Yield Savings Account earns a competitive rate, doesn’t charge a monthly service fee and requires at least a $500 minimum opening deposit.","savings_pros":"The MyBankingDirect High Yield Savings Account earns a top-notch rate on all balances over $1.\r\nThe account has no monthly service fee.","savings_cons":"You’ll need at least $500 to open the account.\r\nThe bank charges a $30 fee if you close the account within 180 days of opening it.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"3205","advertiser_name":"Texas Capital Bank","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Texas Capital Bank’s Star High-Yield Savings Account earns a highly competitive APY, charges no monthly fees and requires no minimum balance. This account is only available to Texas residents, although Bask Bank (an online bank owned by Texas Capital) offers a savings account with the same rate that’s not limited to Texas residents.","savings_mmas_pros":"The Star High-Yield Savings Account earns an APY many times higher than the national average.\r\nThere are no monthly fees or required minimum balance.","savings_mmas_cons":"This account is only available to residents of Texas.\r\nPortions of one’s balances over $1 million earn a much lower yield.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":"Texas Capital Bank’s Star High-Yield Savings Account earns a highly competitive APY, charges no monthly fees and requires no minimum balance. This account is only available to Texas residents, although Bask Bank (an online bank owned by Texas Capital) offers a savings account with the same rate that’s not limited to Texas residents.","savings_pros":"The Star High-Yield Savings Account earns an APY many times higher than the national average.\r\nThere are no monthly fees or required minimum balance.","savings_cons":"This account is only available to residents of Texas.\r\nPortions of one’s balances over $1 million earn a much lower yield.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Texas Capital Bank’s Star Money Market account is a tiered account, meaning higher balances earn higher yields. Customers need at least $500 to earn the base yield, which is robust. There are no monthly service fees associated with the account.","mmas_pros":"The Star Money Market account offers a robust base APY. \r\nThere’s no monthly fee.","mmas_cons":"$25 million is required to earn the top yield. \r\nMoney market accounts with higher yields and smaller or no balance requirements can be found elsewhere.","enable_mmas":1},{"advertiser_id":"10474","advertiser_name":"Valley National Bank","cd_qualifications":null,"cd_expert_take":"Valley National Bank offers six terms of CDs online. Some of its CDs have competitive yields and some don’t. Savers can open one of Valley’s CDs with as little as $500.","cd_pros":"You can earn a competitive yield on some of Valley National Bank’s CDs. \r\nIn a rising-rate environment, the bank’s three-year floating CD, which moves to stay 10 basis points above the federal funds target rate, is unique.\r\nShort-term savers may like the 91-day","cd_cons":"A regular CD of more than 25 months isn’t offered on the bank’s website. \r\nSome of the bank’s CDs don’t earn a competitive yield.","enable_cd":1,"savings_mmas_qualifications":"Valley National Bank's low $100 minimum deposit makes the account accessible to nearly anyone looking to open a savings account.","savings_mmas_expert_take":"Valley's All Access Savings requires only $100 to open, and the $5 monthly fee can be waived by maintaining a $300. Valley also has a Holiday Club Savings Account that can be opened with as little as $20.","savings_mmas_pros":"Only $100 is required to open the All Access Savings account.\r\nThe $5 monthly fee can be avoided by meeting balance requirements.\r\nThe account comes with an ATM card, and offers mobile banking and e-statements.","savings_mmas_cons":"Other banks offer much higher APYs.\r\nValley has branches in only four states.\r\nA $100 minimum daily balance is required to earn the APY.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"The All Access Rewards Checking account can be opened with just $100. The account comes with a unique perk: Customers earn $20 each month for a year when a cumulative monthly total of $250 in direct deposits is set up. The account comes with a debit card and can be opened online or in a branch.","checking_pros":"Only $100 is required to open an account. \r\nThere are no monthly fees for the first year. \r\nCustomers can earn a bonus of up to $240 for a year.","checking_cons":"There’s a $2 fee for using out-of-network ATMs after one year. \r\nThere’s a $15 monthly fee after the first year, though it can be waived.","enable_checking":1,"savings_qualifications":"Valley National Bank's low $100 minimum deposit makes the account accessible to nearly anyone looking to open a savings account.","savings_expert_take":"Valley's All Access Savings requires only $100 to open, and the $5 monthly fee can be waived by maintaining a $300. Valley also has a Holiday Club Savings Account that can be opened with as little as $20.","savings_pros":"Only $100 is required to open the All Access Savings account.\r\nThe $5 monthly fee can be avoided by meeting balance requirements.\r\nThe account comes with an ATM card, and offers mobile banking and e-statements.","savings_cons":"Other banks offer much higher APYs.\r\nValley has branches in only four states.\r\nA $100 minimum daily balance is required to earn the APY.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Valley National Bank’s Premium Money Market account is largely meant for customers with a large amount of cash, since you need $25,000 in order to open an account. In general, customers earn a very low yield, but can earn slightly more by meeting a large swath of requirements, including maintaining an All Access Checking account. The money market account comes with a hefty $25 monthly maintenance fee, which can only be waived by maintaining a large deposit in the account.","mmas_pros":"The account offers a decent — though relatively modest — bonus APY for customers who can meet all the requirements.","mmas_cons":"There’s a $25 monthly fee, which is hefty compared to other accounts. \r\nA $10,000 average daily balance is required to waive the monthly fee. \r\nMoney market accounts with higher yields and fewer requirements can easily be found elsewhere.","enable_mmas":1},{"advertiser_id":"11757","advertiser_name":"Credit One","cd_qualifications":null,"cd_expert_take":"Credit One Bank is only a viable option for savers with at least $100,000 to put into a CD. Those with at least that amount of money available will like Credit One’s competitive APYs.","cd_pros":"Credit One Bank offers a competitive yield on its CD offerings. \r\nCredit One Bank may add basis points to your rate upon renewing a CD at the bank.","cd_cons":"Credit One Bank’s high minimum balance requirement means that this won’t be the right bank for many people.\r\nCredit One Bank doesn’t offer CDs with terms shorter than six months.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":null,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":null},{"advertiser_id":"10565","advertiser_name":"Amerant Bank","cd_qualifications":null,"cd_expert_take":"Amerant Bank offers CDs with terms ranging from three months to five years, meaning the bank could be good for savers looking to build a CD ladder.","cd_pros":"Amerant Bank offers a competitive yield on some of its CDs. \r\nAmerant Bank has enough CD options for someone to build a CD ladder.","cd_cons":"Amerant Bank requires at least $10,000 to open a CD. \r\nAmerant Bank doesn’t offer CD terms shorter than one year. \r\nThe bank’s CDs are only available in Florida or Texas.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Amerant Bank’s Value Checking account charges a $5 monthly fee, but it can be waived a couple of ways, including by completing four debit card transactions per statement cycle. Customers need just $50 to open an account, and they can overdraw their account by up to $100 without being charged a fee.","checking_pros":"Customers need just $50 to open an account. \r\nThere’s some overdraft protection. \r\nThe monthly fee can be waived.","checking_cons":"Amerant Bank’s checking account charges a monthly fee.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Amerant Bank’s savings account is a tiered account, meaning higher balances earn higher yields. However, even the top yield (which you need $250,000 worth of deposits) is very low compared to what you can earn with other accounts. There’s a $5 monthly fee, but it’s easy to waive.","savings_pros":"Amerant Bank’s savings account can be opened with just $50. \r\nThe monthly fee is easy to waive.","savings_cons":"Amerant Bank’s savings account earns very low yields, even at the highest tier.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Amerant Bank’s money market account can be opened with $100 and comes with a hefty $25 monthly fee. The fee can be waived, but you’ll need a large amount of money deposited into the account to do so. The account is tiered, but earns very low yields, even with a large amount of deposits.","mmas_pros":"The money market account can be opened with $100.","mmas_cons":"Amerant Bank’s money market account earns very paltry yields.\r\nThe monthly fee is large at $25.","enable_mmas":1},{"advertiser_id":"10496","advertiser_name":"BankUnitedDirect","cd_qualifications":null,"cd_expert_take":"At $1,000, BankUnitedDirect has a higher minimum deposit amount than some other online banks. But if you have at least that much, you can get a competitive yield on a one-year CD here.","cd_pros":"BankUnitedDirect offers a competitive yield on its one-year CD. \nAccounts can be set to automatically renew at maturity.","cd_cons":"$1,000 is a higher minimum deposit requirement than other online banks.\nBankUnitedDirect doesn’t offer CDs with a term longer than a year, according to its website. ","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":null,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":null,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":null,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":null},{"advertiser_id":"10452","advertiser_name":"Merrick Bank","cd_qualifications":null,"cd_expert_take":"In order to open one of Merrick Bank’s nine terms of CDs, you’ll need at least $25,000. Terms range from a three-month CD all the way to a five-year CD – so savers have plenty of options to choose from. ","cd_pros":"Merrick Bank offers nine terms of CDs. \nMerrick Bank’s CDs offer a competitive yield. ","cd_cons":"You need at least $25,000, as a lump-sum amount, to open a CD at Merrick Bank. \nMerrick Bank doesn’t have weekend customer service hours.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":null,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":null,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":null,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":null},{"advertiser_id":"10454","advertiser_name":"Citizens","cd_qualifications":null,"cd_expert_take":"Citizens offers competitive yields on its CDs. But savers will need at least $5,000 to open one at this online bank.","cd_pros":"Citizens CDs come with competitive yields. \r\nMonthly interest payments can be cashed out or reinvested.","cd_cons":"You’ll need at least $5,000 to open a Citizens CD.\r\nCitizens no longer offers no-penalty CDs.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Citizens Access offers a high-yield savings account with a minimum opening deposit of just one cent. This online bank doesn’t charge monthly service fees and offers a highly rated mobile app.","savings_mmas_pros":"Citizens Access’ savings account earns a competitive yield.\r\nThe account charges no monthly fee and requires just a penny to open.","savings_mmas_cons":"ATM access to this account is not provided.\r\nAs an online-only bank, Citizens Access may not be the best choice for those who prefer branch access.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Citizens Bank’s One Deposit Checking account doesn’t require an opening deposit, but does come with a monthly maintenance fee. It can be waived by making one deposit of any amount each statement period. The account also features overdraft protection and early pay.","checking_pros":"The monthly fee is easy to waive. \r\nOne Deposit Checking comes with early direct deposit.\r\nCustomers have some protection against overdraft fees.","checking_cons":"Citizens Bank charges a $35 overdraft fee. \r\nThere’s a $3 fee for using out-of-network ATMs.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Citizens Access offers a high-yield savings account with a minimum opening deposit of just one cent. This online bank doesn’t charge monthly service fees and offers a highly rated mobile app.","savings_pros":"Citizens Access’ savings account earns a competitive yield.\r\nThe account charges no monthly fee and requires just a penny to open.","savings_cons":"ATM access to this account is not provided.\r\nAs an online-only bank, Citizens Access may not be the best choice for those who prefer branch access.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"The Personal Money Market account earns a rock-bottom yield on all balances. There’s a $10 monthly fee, which can be waived with a minimum daily balance of at least $2,500. The account offers check-writing privileges and comes with a debit card. Citizens Bank restricts withdrawals out of the account to just six per month.","mmas_pros":"There’s no minimum opening deposit requirement. \r\nThe account comes with a debit card, ATM access and check-writing privileges.","mmas_cons":"There’s a monthly fee, which isn’t easily waived. \r\nThe Personal Money Market account comes with a very low yield. \r\nWithdrawals are limited to six per month.","enable_mmas":1},{"advertiser_id":"5068","advertiser_name":"Ally Bank","cd_qualifications":null,"cd_expert_take":"Ally Bank has a reputation for offering competitive yields. Ally Bank offers seven terms of regular CDs, a no-penalty CD and two rate bump CDs. A minimum opening deposit is not required to open a CD account at Ally. Savers can earn a 0.05 percent loyalty reward for renewing their CDs.","cd_pros":"Ally Bank offers a competitive yield on its CDs.\r\nAlly Bank doesn’t require a minimum opening deposit. \r\nThe bank offers nearly every type of CD you’d need. \r\nAlly Bank offers IRA CDs.","cd_cons":"Some banks have higher yields than Ally Bank. \r\nSome banks offer more CD terms than Ally Bank.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Ally Bank consistently offers a competitive yield on its Online Savings Account. The online bank doesn’t have the absolute highest yield, but it offers a competitive one and doesn’t have a minimum balance requirement or a monthly service fee. The bank offers mobile deposit, but you’ll need to transfer money to the Ally checking account or money market account if you want to access money in your savings from an ATM.","savings_mmas_pros":"Ally Bank offers a competitive yield on its Online Savings Account. \r\nAlly Bank has savings tools, such as Surprise Savings where Ally Bank looks at your linked checking account for savings opportunities.","savings_mmas_cons":"Ally Bank doesn’t offer ATM access directly from its savings account. \r\nSome other online banks offer a higher yield than Ally Bank.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Ally Bank’s Interest Checking Account doesn’t have a minimum balance requirement after you deposit money into your account. This makes it an account for most people. Plus, the account has early direct deposit, the opportunity to overdraft up $250 and the bank doesn’t have overdraft fees.","checking_pros":"The Interest Checking Account offers early direct deposit. \r\nAlly Bank no longer has overdraft fees.","checking_cons":"The bank’s CoverDraft protection of up to $250 doesn’t take effect until you have two months worth of direct deposits go into your Ally Interest Checking account. \r\nYou can earn a higher yield with Ally’s savings account or money market account or at other online banks with their savings accounts. You also might be able to earn a higher yield with an interest checking account at another online bank.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Ally Bank consistently offers a competitive yield on its Online Savings Account. The online bank doesn’t have the absolute highest yield, but it offers a competitive one and doesn’t have a minimum balance requirement or a monthly service fee. The bank offers mobile deposit, but you’ll need to transfer money to the Ally checking account or money market account if you want to access money in your savings from an ATM.","savings_pros":"Ally Bank offers a competitive yield on its Online Savings Account. \r\nAlly Bank has savings tools, such as Surprise Savings where Ally Bank looks at your linked checking account for savings opportunities.","savings_cons":"Ally Bank doesn’t offer ATM access directly from its savings account. \r\nSome other online banks offer a higher yield than Ally Bank.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Ally Bank offers a money market account with a robust annual percentage yield (APY). The account is largely fee-free, as it doesn’t charge monthly maintenance, overdraft or incoming wire fees. Moreover, Ally is part of the robust Allpoint ATM network, which provides customers with more than 43,000 fee-free ATMs nationwide.","mmas_pros":"Ally’s money market account offers a competitive APY. \r\nAlly customers have access to a robust ATM network.\r\nATM fees are reimbursed up to $10 per month for fees charged by other ATM providers. \r\nThere’s no monthly maintenance fee.","mmas_cons":"Money market accounts with higher yields are available elsewhere.","enable_mmas":1},{"advertiser_id":"2236","advertiser_name":"third Federal Savings \u0026 Loan","cd_qualifications":null,"cd_expert_take":"Third Federal Savings \u0026 Loan has many regular and special CDs to choose from. You’ll only need $500 to open a CD at this bank. But CD yields may vary by location. So confirm you’re eligible for the advertised APY. ","cd_pros":"You only need $500 to open a Third Federal Bank CD. \nThird Federal offers Special CDs that have competitive yields. \nThird Federal offers IRA CDs that only require a $100 minimum opening deposit.","cd_cons":"Some banks don’t have minimum opening deposit requirements.\nThird Federal only has a seven-day grace period when renewing CDs. Many banks offer a 10-day grace period.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":null,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":null,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":null,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":null},{"advertiser_id":"2212","advertiser_name":"Pentagon Federal Credit Union","cd_qualifications":null,"cd_expert_take":"Some credit unions are limited to very specific groups. But Pentagon Federal Credit Union is open to anyone, as long as you open a savings account with at least $5. PenFed CDs offer a competitive yield and require a minimum opening deposit of at least $1,000. Its terms range from six months to seven years.","cd_pros":"PenFed offers competitive yields on its CDs. \r\nPenFed has a seven-year CD, which is one of the longer CD terms around.","cd_cons":"You need to open a savings account at PenFed to become a member. \r\nIts six-month CD is PenFed’s shortest term.\r\nPenFed doesn’t offer a no-penalty CD.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"PenFed’s Free Checking account is true to its name: there are no monthly fees or minimum balance requirements. But customers do need $25 to open the account. PenFed customers get access to a large fee-free ATM network of more than 85,000 ATMs nationwide.","checking_pros":"The Free Checking account can be opened with just $25. \r\nThe account doesn’t charge a monthly fee. \r\nCustomers get access to a large ATM network.","checking_cons":"There’s a $30 nonsufficient funds fee. Without a daily cap, this fee may be charged multiple times a day.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"PenFed’s Premium Online Savings account offers a solid yield on all balances. The account can be opened with just $5, which is also the way you become a member. There are no monthly fees.","savings_pros":"PenFed’s savings account offers a solid yield on all balances. \r\nThere are no monthly fees.","savings_cons":"Online savings accounts with higher yields are easily found elsewhere. \r\nThe Online Premium Savings account doesn’t offer ATM access.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"10486","advertiser_name":"Quorum Federal Credit Union","cd_qualifications":null,"cd_expert_take":"Employees and those that have retired from certain eligible businesses or companies can join Quorum Federal Credit Union. Membership is also open to eligible members’ families. Quorum Federal Credit Union offers six terms of CDs on its website ranging from a 13-month CD to a five-year CD. Members will also need at least $1,000 to open a CD.","cd_pros":"Quorum offers competitive yields on some of its CD terms. \r\nYou earn a 10 basis point bonus for depositing more than $100,000.","cd_cons":"There are higher yields available for some terms of CDs at other financial institutions. \r\nSome banks have lower minimum opening deposits than $1,000.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Quorum Federal Credit Union’s HighQ Savings earns a competitive yield and it does not have a minimum deposit requirement or any monthly fees (as long customers opt for e-statements).","savings_mmas_pros":"The online savings account offers a competitive APY.\r\nYou can get an ATM card for your HighQ Savings account with access to a network of over 100,000 surcharge-free ATMs nationwide.","savings_mmas_cons":"There’s a $10 monthly fee for account holders who choose to receive a paper statement.\r\nQuorum membership is only available to employees and retirees of select partner companies and their families.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Quorum’s QClassic Checking account comes without monthly fees or a minimum balance requirement. The account comes with early direct deposit, check-writing privileges and a Mastercard debit card. Moreover, customers have access to a fee-free ATM network of more than 90,000 ATMs nationwide.","checking_pros":"Quorum customers get access to a large ATM network. \r\nThere are no monthly fees or minimum balance requirements.","checking_cons":"Quorum charges hefty overdraft and non-sufficient funds fees.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Quorum Federal Credit Union’s HighQ Savings earns a competitive yield and it does not have a minimum deposit requirement or any monthly fees (as long customers opt for e-statements).","savings_pros":"The online savings account offers a competitive APY.\r\nYou can get an ATM card for your HighQ Savings account with access to a network of over 100,000 surcharge-free ATMs nationwide.","savings_cons":"There’s a $10 monthly fee for account holders who choose to receive a paper statement.\r\nQuorum membership is only available to employees and retirees of select partner companies and their families.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"7987","advertiser_name":"Barclays","cd_qualifications":null,"cd_expert_take":"Barclays offers competitive yields on many of its CDs and doesn’t require a minimum opening deposit. But you’ll have to deposit some money within 14 days of opening the CD to maintain the account.","cd_pros":"Barclays doesn’t have a minimum deposit requirement. \r\nBarclays offers a competitive yield.\r\nInterest on Barclays CDs compounds daily.\r\nOffers a 14-day grace period in which funds can be withdrawn from the CD without penalties.","cd_cons":"Barclays doesn’t have competitive yields on CDs with terms under a year. \r\nThe bank does not offer any special CDs, such as bump-up or step-up CDs.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"The Barclays Tiered Savings Account offers a competitive yield on all balances. You don’t need a minimum deposit to open an account and like at most online banks, you won’t pay a monthly maintenance fee.","savings_mmas_pros":"Barclays allows you to earn a competitive yield on your savings. \r\nBarclays’ savings account doesn’t have a monthly service fee.\r\nBarclays doesn’t have a minimum opening deposit requirement.","savings_mmas_cons":"You can earn a higher yield at some other online banks.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":"The Barclays Tiered Savings Account offers a competitive yield on all balances. You don’t need a minimum deposit to open an account and like at most online banks, you won’t pay a monthly maintenance fee.","savings_pros":"Barclays allows you to earn a competitive yield on your savings. \r\nBarclays’ savings account doesn’t have a monthly service fee.\r\nBarclays doesn’t have a minimum opening deposit requirement.","savings_cons":"You can earn a higher yield at some other online banks.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"7821","advertiser_name":"CIT Bank","cd_qualifications":null,"cd_expert_take":"CIT Bank’s 11-month no-penalty CD offers a yield similar to some high-yield savings accounts and some one-year CDs. But unlike the latter, you can withdraw your money from this no-penalty CD, at least seven days after you open it, without incurring a penalty.","cd_pros":"This no-penalty CD pays a yield that’s near what top regular one-year CDs – with a penalty – are offering. \r\nYou won’t pay a penalty with this CD if you need to make an early withdrawal – after having the CD for at least seven days.","cd_cons":"The minimum opening deposit requirement of $1,000 is higher than some online banks. \r\nYou can get higher yields on savings accounts. And those savings accounts don’t have early withdrawal penalties either.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"CIT Bank’s Platinum Savings account earns a competitive yield on balances of $5,000 or more. Lower balances earn an APY that’s below the national average. The account requires a low minimum opening deposit, and it doesn’t charge monthly maintenance fees.","savings_mmas_pros":"The Platinum Savings account earns a competitive rate on balances of $5,000 or more.\r\nThere’s no monthly maintenance fee.","savings_mmas_cons":"With a balance under $5,000, you’ll earn an APY below the national average.\r\nThe account doesn’t come with ATM access.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"CIT Bank’s eChecking earns a solid interest rate for a checking account. But the best part is that CIT Bank charges no fees, including overdraft, monthly maintenance and incoming wire transfer fees. To boot, the account offers reimbursement on out-of-network ATM fees up to a certain amount.","checking_pros":"CIT’s checking account earns interest.\r\nThe account is largely fee-free.\r\nAn account can be opened with just $100.","checking_cons":"Some online-only banks don’t require a minimum deposit to open an account.\r\nYou need $25,000 in deposits to earn the highest APY.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"CIT Bank’s Platinum Savings account earns a competitive yield on balances of $5,000 or more. Lower balances earn an APY that’s below the national average. The account requires a low minimum opening deposit, and it doesn’t charge monthly maintenance fees.","savings_pros":"The Platinum Savings account earns a competitive rate on balances of $5,000 or more.\r\nThere’s no monthly maintenance fee.","savings_cons":"With a balance under $5,000, you’ll earn an APY below the national average.\r\nThe account doesn’t come with ATM access.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"CIT Bank’s money market account earns interest higher than the national average, but much lower than other competitive options on the market. Customers need just $100 to open the account, which comes without monthly service fees. The CIT Bank mobile app allows customers to deposit checks remotely and make transfers.","mmas_pros":"CIT Bank’s money market account earns a yield higher than the national average. \r\nOnly $100 is needed to open the account.","mmas_cons":"Money market accounts with much higher yields can be found elsewhere. \r\nMany online banks don’t require a minimum deposit to open an account.","enable_mmas":1},{"advertiser_id":"10659","advertiser_name":"BrioDirect","cd_qualifications":null,"cd_expert_take":"BrioDirect offers a wide host of CDs, ranging from 30 days to five years, but most terms come with lackluster yields. Customers can open a CD with just $500.","cd_pros":"BrioDirect CDs can be opened with just $500.\r\nBrioDirect’s one-year CD offers a competitive yield.\r\nThe early withdrawal penalties are reasonable.","cd_cons":"Most BrioDirect CDs come with very low yields.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"The BrioDirect High-Yield Savings Account offers a competitive yield and it doesn’t have a monthly service fee. There's a required minimum opening deposit of $5,000 for this account.","savings_mmas_pros":"BrioDirect offers a competitive yield on its High-Yield Savings Account.\r\nThis account doesn’t have a monthly service fee.","savings_mmas_cons":"It requires a minimum deposit of $5,000 to open the account, which is higher than many other banks.\r\nSome banks offer even higher savings yields.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":"The BrioDirect High-Yield Savings Account offers a competitive yield and it doesn’t have a monthly service fee. There's a required minimum opening deposit of $5,000 for this account.","savings_pros":"BrioDirect offers a competitive yield on its High-Yield Savings Account.\r\nThis account doesn’t have a monthly service fee.","savings_cons":"It requires a minimum deposit of $5,000 to open the account, which is higher than many other banks.\r\nSome banks offer even higher savings yields.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"11869","advertiser_name":"Liberty Savings Bank","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Liberty Savings Bank offers a savings account that has a higher yield than the national average for savings accounts.","savings_mmas_pros":"You can earn more than the national average with a savings account at Liberty Savings Bank.\r\nThe bank provides a guide to switching banks.","savings_mmas_cons":"You’ll need to deposit at least $5,000 from outside of Liberty Savings Bank to be eligible for this yield. \r\nYou can earn much higher yields at online banks","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":"Liberty Savings Bank offers a savings account that has a higher yield than the national average for savings accounts.","savings_pros":"You can earn more than the national average with a savings account at Liberty Savings Bank.\r\nThe bank provides a guide to switching banks.","savings_cons":"You’ll need to deposit at least $5,000 from outside of Liberty Savings Bank to be eligible for this yield. \r\nYou can earn much higher yields at online banks","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"11835","advertiser_name":"SoFi","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"SoFi Bank has a competitive annual percentage yield on its savings account. You’ll need to open both a checking and savings account at SoFi. And setting up a direct deposit is required to earn the bank’s top APY.","savings_mmas_pros":"SoFi offers a competitive annual percentage yield on its savings account. \r\nSoFi Bank’s savings account doesn’t have a monthly service fee.","savings_mmas_cons":"You can’t only open a savings account at SoFi – you need to open both a checking and savings account.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"SoFi Checking and Savings lets you earn a competitive annual percentage yield and it gives you access to direct deposits up to two days early. The account also lets some customers overdraft by $50 or less without being charged a fee.","checking_pros":"Customers can receive early direct deposits at SoFi Bank.\r\nSoFi customers have access to Allpoint network ATMs. \r\nSoFi customers earn a very competitive APY.\r\nThe SoFi checking and savings account doesn’t have fees, which includes overdraft fees.","checking_cons":"You can’t just get a checking account – you have to get both a checking and savings account.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"SoFi Bank has a competitive annual percentage yield on its savings account. You’ll need to open both a checking and savings account at SoFi. And setting up a direct deposit is required to earn the bank’s top APY.","savings_pros":"SoFi offers a competitive annual percentage yield on its savings account. \r\nSoFi Bank’s savings account doesn’t have a monthly service fee.","savings_cons":"You can’t only open a savings account at SoFi – you need to open both a checking and savings account.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"1774","advertiser_name":"UFB Direct","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"The UFB Portfolio Savings account earns one of the top yields available. The account pays the same APY on all five balance tiers. An ATM card is available, and there are no monthly service fees with this account.","savings_mmas_pros":"This account pays one of the top yields available. \r\nThe UFB Portfolio Savings account has an ATM card. \r\nAll balances earn the same APY. \r\nThe account doesn’t require a minimum deposit.","savings_mmas_cons":"The UFB Direct website says it takes 15 minutes to get this account. Other banks advertise a quicker account opening process.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":"The UFB Portfolio Savings account earns one of the top yields available. The account pays the same APY on all five balance tiers. An ATM card is available, and there are no monthly service fees with this account.","savings_pros":"This account pays one of the top yields available. \r\nThe UFB Portfolio Savings account has an ATM card. \r\nAll balances earn the same APY. \r\nThe account doesn’t require a minimum deposit.","savings_cons":"The UFB Direct website says it takes 15 minutes to get this account. Other banks advertise a quicker account opening process.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"UFB Direct’s Secure Money Market Account offers a top-notch yield, which is earned on all balances. The account comes with a $10 monthly fee, which is waived with a $5,000 balance. UFB Direct offers a host of helpful digital tools, including a highly rated app.","mmas_pros":"UFB Direct’s money market account offers a very high yield on all balances.\r\nUFB Direct offers a highly rated mobile app.","mmas_cons":"There’s a $10 monthly fee. \r\nWaiving the monthly fee may be cumbersome for some customers.","enable_mmas":1},{"advertiser_id":"2468","advertiser_name":"EverBank","cd_qualifications":null,"cd_expert_take":"Everbank has CD terms ranging from three months to five years. Its CDs require a $1,000 minimum opening deposit.","cd_pros":"EverBank Performance℠ CDs offers competitive yields, similar to other online banks.","cd_cons":"Some banks have lower minimum opening deposit requirements.\r\nNo IRA CDs are offered.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"The EverBank Performance℠ Savings account earns a competitive yield on all balances. The account comes without monthly fees or minimum balance requirements. There is also no minimum opening requirement, making the account highly accessible to everyone.","savings_mmas_pros":"The Performance℠ Savings account offers a robust yield on all balances.\r\nThere are no monthly maintenance fees or minimum balance requirements.","savings_mmas_cons":"The account doesn’t come with an ATM card, so banking for this account must be done online or the bank’s mobile app.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"EverBank reimburses all Performance℠ Checking customers up to $15 for ATM fees outside of its network. Customers with an average daily balance of at least $5,000 get all of their out of network ATM fees reimbursed.","checking_pros":"You need just $100 to open the account, and there are no monthly maintenance fees.\r\nThe bank offers mobile check deposit.","checking_cons":"The Performance℠ Checking account earns a low APY compared with some other interest-bearing checking accounts. Everbank's Performance℠ Money Market account – and accounts at other online banks – earn a much higher yield.\r\nYou need $100,000 to earn the top APY on the Performance℠ Checking account. Some banks have their top yield on all balances.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"The EverBank Performance℠ Savings account earns a competitive yield on all balances. The account comes without monthly fees or minimum balance requirements. There is also no minimum opening requirement, making the account highly accessible to everyone.","savings_pros":"The Performance℠ Savings account offers a robust yield on all balances.\r\nThere are no monthly maintenance fees or minimum balance requirements.","savings_cons":"The account doesn’t come with an ATM card, so banking for this account must be done online or the bank’s mobile app.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"EverBank’s Yield Pledge Money Market account is tiered. It offers a robust APY during the first year of the accounts opening. After that, customers will need $250,000 to continue earning that robust yield.. Customers get check-writing privileges and a debit card with the account. To boot, EverBank reimburses ATM surcharge fees, but that amount varies depending on how much money you have stored in the account.","mmas_pros":"The Yield Pledge Money Market account earns a high yield.\r\nCustomers get check-writing privileges and a debit card.\r\nEverBank reimburses ATM surcharge fees.","mmas_cons":"Customers need $250,000 to earn the same yield they receive during the first year of the account’s opening. \r\nHigher yield with lower balance requirements can be found elsewhere.","enable_mmas":1},{"advertiser_id":"10677","advertiser_name":"Citi","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Citi calls the Citi Priority Account Package one of its premier account packages. Citi doesn’t charge an ATM fee when you use ATMs outside of its network, if you have this account.","checking_pros":"Citi won’t charge you ATM fees or fees for foreign exchanges throughout the globe.\r\nThere are higher limits on debit card purchases and ATM withdrawals with your Citi debit card.\r\nCustomers have access to guidance from Citi financial advisors.","checking_cons":"There’s a $30 monthly service fee if you don’t maintain a combined average monthly balance of at least $30,000 in eligible linked deposit, retirement and investment accounts.\r\nWhen initiated through a branch or assisted by a banker, outgoing domestic wire transfer fees are higher than what some banks charge.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":null,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":null},{"advertiser_id":"10621","advertiser_name":"BMO","cd_qualifications":null,"cd_expert_take":"BMO offers many CDs, ranging from three to sixty months. Save a couple of terms, BMO CDs come with competitive yields in states where the bank doesn’t have branches. Customers need at least $1,000 to open an account. BMO offers a variety of CD specials, all with competitive APYs, too.","cd_pros":"There are many CD options available.\r\nAlmost all CDs come with highly competitive yields.\r\nThe $1,000 minimum deposit requirement is reasonable.","cd_cons":"CDs have lower yield in states where BMO has branches.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"BMO’s Savings Builder Account can be opened with just $25, and BMO doesn’t charge a monthly fee. Customers can start earning interest with as little as one cent, but it’s a rock-bottom yield. As a special perk, BMO rewards customers with a $5 reward for every month $200 is saved in the first year.","savings_mmas_pros":"The Savings Builder Account can be opened with just $25. \r\nCustomers get fee-free access to more than 40,000 ATMs across the U.S. \r\nThere isn’t a monthly maintenance fee.","savings_mmas_cons":"There’s a $3 fee for paper statements.\r\nBMO charges a $3 out-of-network ATM fee.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"BMO offers several checking accounts. The Smart Advantage Checking account comes without monthly maintenance fees but requires $25 to open. Customers get fee-free access to more than 40,000 ATMs nationwide. There’s a $15 overdraft fee, though there are multiple ways to avoid it.","checking_pros":"A Smart Advantage account can be opened with just $25. \r\nCustomers won’t be charged an overdraft fee if their account is overdrawn by $50 or less. \r\nBMO doesn’t charge a monthly fee.","checking_cons":"The account charges a $3 out-of-network ATM fee. \r\nThe overdraft fee is $15.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"BMO’s Savings Builder Account can be opened with just $25, and BMO doesn’t charge a monthly fee. Customers can start earning interest with as little as one cent, but it’s a rock-bottom yield. As a special perk, BMO rewards customers with a $5 reward for every month $200 is saved in the first year.","savings_pros":"The Savings Builder Account can be opened with just $25. \r\nCustomers get fee-free access to more than 40,000 ATMs across the U.S. \r\nThere isn’t a monthly maintenance fee.","savings_cons":"There’s a $3 fee for paper statements.\r\nBMO charges a $3 out-of-network ATM fee.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"BMO’s Relationship Plus Money Market account earns a low yield, unless you’re able to also open a BMO Relationship Checking account and have a combined balance of at least $25,000. The highest APY can only be earned if you deposit at least a quarter of a million dollars.","mmas_pros":"The opening deposit is just $25. \r\nThe monthly fee can be waived.","mmas_cons":"There’s a $10 monthly fee, and it’s not relatively easy to waive.\r\nCustomers must deposit at least $250,000 to get the top yield.","enable_mmas":1},{"advertiser_id":"11825","advertiser_name":"BECU","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":null,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":null,"checking_qualifications":null,"checking_expert_take":"The Member Advantage Checking account at Boeing Employees’ Credit Union (BECU) earns a very competitive yield on its checking account. But this is only on balances of $500 or below. Balances over $500 will earn a much lower yield. It’s important to be aware of this before opening an account.","checking_pros":"The Member Advantage Checking Account reimburses up to $3 of fees each month. \nYou get to choose debit card designs. Some of them include a Seattle Seahawks, a University of Washington or Washington State University themed debit card. \nBalances of $500 and below earn a competitive yield – especially for a checking account.","checking_cons":"Member Advantage balances of more than $500 earn a very low yield. \nYou’ll have to qualify to join this credit union. Living in Washington or certain counties in Idaho or Oregon, working for Boeing, BECU or any credit union or being related to a member are some ways to join.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":null,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":null},{"advertiser_id":"10525","advertiser_name":"Quontic Bank","cd_qualifications":null,"cd_expert_take":"Quontic Bank offers a good range of CDs, with terms spanning three to 60 months. All CDs earn a top-notch yield. Just $500 is needed to open a CD, which is good considering many banks require $1,000.","cd_pros":"All Quontic CDs feature top-notch yields. \r\nCustomers can open a CD for $500.","cd_cons":"Consumers looking for odd-numbered terms will need to look elsewhere.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Quontic Bank is an online bank based in New York that offers checking accounts, a savings account, a money market account and CDs. The High Interest Checking Account charges no monthly maintenance fee or overdraft fees, and it pays a competitive yield when you make 10 qualifying debit card purchases of at least $10 per statement cycle.","checking_pros":"The account earns a competitive yield on all balances, when requirements are met.\r\nNo overdraft fees or monthly service fees are charged.\r\nA wearable payment ring is included and provides the option for contactless payments.","checking_cons":"An opening deposit of at least $100 is required to open an account; other banks offer lower balance requirements.\r\nYou need to make at least 10 debit card purchases, or the account reverts to earning a much lower yield.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Quontic Bank’s High Yield Savings account is true to its name, earning a top-notch rate on all balances. Customers need just $100 to open an account, and Quontic doesn’t charge a monthly fee.","savings_pros":"The High Yield Savings account features a very high rate. \r\nThe account doesn’t charge a monthly fee.","savings_cons":"There’s a $5 dormant account fee.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Quontic Bank’s money market account earns a top-notch yield. Customers can open the account — which doesn’t charge a monthly fee — with just $100. The account comes with a debit card and check-writing privileges.","mmas_pros":"Quontic’s money market account offers a very high yield.\r\nJust $100 is required to open an account. \r\nThe account comes with a debit card and check-writing privileges.","mmas_cons":"There’s a $5 dormant account fee.","enable_mmas":1},{"advertiser_id":"10324","advertiser_name":"Axos Bank","cd_qualifications":null,"cd_expert_take":"Axos Banks offers a decent amount of CDs, ranging from three months to five years, but they all earn very low yields. $1,000 is required to open an account.","cd_pros":"Axos Banks offers a handful of terms.","cd_cons":"All CDs earn very low yields. \r\nSome banks require less than $1,000 to open a CD.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"The Rewards Checking account from Axos Bank doesn’t charge a monthly service fee or overdraft fees, and just $50 is needed to open the account. You can earn a competitive yield for this checking account when you also have investment and borrowing relationships with the bank. Unlimited reimbursements are provided for domestic ATM surcharges.","checking_pros":"The account has no monthly maintenance fee or overdraft fees.\r\nUnlimited ATM surcharge refunds are provided.\r\nA competitive yield can be earned when requirements are met.","checking_cons":"The competitive APY formula can be confusing, and five requirements need to be met to earn the top yield.\r\nDaily collected balances greater than $50,000 do not earn interest.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Axos Bank’s High-Yield Savings account features a reversed tier structure, meaning higher balances earn less interest. The highest yield is slightly above the national average, but well below what you can find by shopping around. Customers can request an ATM card.","savings_pros":"There are no monthly fees. \r\nCustomers can request a free ATM card.","savings_cons":"Interest rates are very low, and higher balances earn lower yields.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Axos Bank’s High Yield Money Market account offers the same paltry yield on all balances, much lower than the national average. There are no monthly fees or minimum balance requirements, and the account comes with check-writing privileges.","mmas_pros":"There are no monthly fees. \r\nThe account offers check-writing privileges.","mmas_cons":"Yields are much lower than the national average.","enable_mmas":1},{"advertiser_id":"11887","advertiser_name":"Albert","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":null,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":null,"checking_qualifications":null,"checking_expert_take":"Albert’s checking account offers early direct deposit and it doesn’t have monthly service fees. Albert also allows cash advances of $250 or less without paying a fee.","checking_pros":"Albert offers customers their direct deposit up to two days faster than traditional direct deposits. \nNo fees are charged for cash advances of $250 and under.","checking_cons":"Albert is a fintech and isn’t a bank. Although your money is held at FDIC-insured banks, according to Albert’s website, always make sure you’re within FDIC limits and guidelines.\nA subscription to Albert’s Genius is required to use the bank’s fee-free ATMs. That subscription costs $8 per month but the company states most customers pay more, according to the Albert website.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":null,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":null},{"advertiser_id":"11768","advertiser_name":"Alliant Credit Union","cd_qualifications":null,"cd_expert_take":"Alliant Credit Union is an online credit union offering a wide array of CD terms. It also offers jumbo CDs, which generally earn a little more interest than regular CDs. The regular CDs require a $1,000 minimum deposit, and you’ll need at least $75,000 for a jumbo CD.","cd_pros":"Many terms of CDs are available. \r\nJumbo CDs earn a little more interest. \r\nAlliant offers IRA CDs.","cd_cons":"You’ll need at least $1,000 to open a CD at Alliant Credit Union.\r\nAlliant doesn’t offer CDs with a term longer than five years.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Alliant Credit Union has three savings accounts: a High-Rate Savings account, a Supplemental Savings account and a Kids Savings account.","savings_mmas_pros":"You can earn a competitive APY with the High-Rate Savings account. \r\nYou can set as many as 19 different savings goals through additional savings accounts.","savings_mmas_cons":"You need to keep at least a daily average of $100 in the High-Rate Savings account to earn interest. \r\nThere’s a $1 charge for paper statements.\r\nYou need to keep at least $5 in the High-Rate Savings account to keep the account open.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Alliant Credit Union has a High-Rate Checking account and a Teen Checking account. The High-Rate Checking account doesn’t charge a monthly service fee or overdraft fees. The account also reimburses a generous $20 worth of ATM fees per month.","checking_pros":"The Alliant High-Rate Checking account doesn’t charge overdraft fees or a monthly maintenance fee.\r\nYou can get $20 worth of ATM fees reimbursed per month with the High-Rate Checking account. \r\nThe High-Rate Checking account comes with a free box of checks.","checking_cons":"The High-Rate Checking account earns a low APY. \r\nThere’s a 1 percent foreign transaction fee. \r\nYou’ll pay a $15 fee for a deposited item that’s returned.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Alliant Credit Union has three savings accounts: a High-Rate Savings account, a Supplemental Savings account and a Kids Savings account.","savings_pros":"You can earn a competitive APY with the High-Rate Savings account. \r\nYou can set as many as 19 different savings goals through additional savings accounts.","savings_cons":"You need to keep at least a daily average of $100 in the High-Rate Savings account to earn interest. \r\nThere’s a $1 charge for paper statements.\r\nYou need to keep at least $5 in the High-Rate Savings account to keep the account open.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"10554","advertiser_name":"PNC Bank","cd_qualifications":null,"cd_expert_take":"PNC Bank offers a host of CD terms, ranging from one month to ten years, though most of them come with very low yields. However, PNC does offer promotional CDs from time to time that offer competitive yields.","cd_pros":"PNC Bank offers a wide range of CD terms.\r\nSome of PNC’s promotional CDs offer competitive APYs.","cd_cons":"Higher yields can easily be found elsewhere. \r\nA $25,000 balance is required to earn the highest yield on standard CDs.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"PNC is known for being one of the largest banks. It’s also known for having a competitive yield — through its PNC High Yield Savings account — in certain markets. This high-yield savings account doesn’t require an opening deposit and doesn’t have a monthly service fee.","savings_mmas_pros":"PNC’s High Yield Savings account doesn’t require an opening deposit. \r\nIt offers a competitive yield and has no monthly maintenance fee. \r\nYou can deposit checks through PNC’s app.","savings_mmas_cons":"Your account might be closed if you have a zero balance for 180 days. \r\nThis account might not be available in all areas.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"PNC’s checking account is bundled with its savings account, together called Virtual Wallet. The base checking portion of the account doesn’t bear interest, unless you select the Performance Spend or Select category. Even then, the interest is nominal.","checking_pros":"PNC’s Virtual Wallet doesn’t require a minimum deposit to open.","checking_cons":"Virtual Wallet charges monthly fees, which increases if you choose an account that bears interest. \r\nWaiving the monthly fee for the Performance Spend and Performance Select accounts may be cumbersome for some customers. \r\nHefty overdraft fees are present.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"PNC is known for being one of the largest banks. It’s also known for having a competitive yield — through its PNC High Yield Savings account — in certain markets. This high-yield savings account doesn’t require an opening deposit and doesn’t have a monthly service fee.","savings_pros":"PNC’s High Yield Savings account doesn’t require an opening deposit. \r\nIt offers a competitive yield and has no monthly maintenance fee. \r\nYou can deposit checks through PNC’s app.","savings_cons":"Your account might be closed if you have a zero balance for 180 days. \r\nThis account might not be available in all areas.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"3035","advertiser_name":"Chase Bank","cd_qualifications":null,"cd_expert_take":"Chase’s one-year CD pays a competitive yield for its relationship rate CDs. But its standard rates are well below the national average for one-year CDs. You’ll need at least $1,000 to open a Chase CD.","cd_pros":"Chase pays a relationship rate on its one-year CD. While the standard rates are not competitive, the relationship rates are on a few select terms.","cd_cons":"The Chase one-year CD has a yield that’s much lower than the national average.\r\nYou’ll need an eligible Chase checking account to earn a competitive APY on a Chase one-year CD. \r\nYou need $1,000 to open a Chase CD, which is more than the minimum at some other banks.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"The Chase Savings account is the bank’s standard savings account. It offers a yield well below the national average for savings accounts. The Chase Savings account has a $5 monthly maintenance fee. Starting every day with at least $300 or automatically transferring at least $25 per month from your Chase checking account to this savings account are two ways to waive the fee.","savings_mmas_pros":"Those who already bank with Chase might find it convenient to have a savings account at this bank.\r\nChase’s many branches and ATMs might also make this a good fit for people who live in a Chase market.","savings_mmas_cons":"The Chase Savings account has a waivable $5 monthly maintenance fee. Many online banks don’t have monthly service fees. \r\nThe Chase Savings account doesn’t earn a competitive yield.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Chase Total Checking includes features such as access to more than 15,000 ATMs and 4,700 branches across the U.S. The account has a monthly service fee of $12, which can be waived by meeting certain criteria, such as direct deposits totaling at least $500 each month or maintaining a minimum balance. This account offers customers a mobile app for managing finances as well as services like Zelle for money transfers.","checking_pros":"Customers have access to more than 15,000 ATMs and 4,700 U.S. branches.\r\nUntil Oct. 16, new customers can receive a $300 bonus when they open a Chase Total Checking account and make direct deposits of $500 or more within 90 days of enrollment.","checking_cons":"Customers who don’t meet balance requirements face monthly service fees.\r\nThe Chase Total Checking account does not earn interest.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"The Chase Savings account is the bank’s standard savings account. It offers a yield well below the national average for savings accounts. The Chase Savings account has a $5 monthly maintenance fee. Starting every day with at least $300 or automatically transferring at least $25 per month from your Chase checking account to this savings account are two ways to waive the fee.","savings_pros":"Those who already bank with Chase might find it convenient to have a savings account at this bank.\r\nChase’s many branches and ATMs might also make this a good fit for people who live in a Chase market.","savings_cons":"The Chase Savings account has a waivable $5 monthly maintenance fee. Many online banks don’t have monthly service fees. \r\nThe Chase Savings account doesn’t earn a competitive yield.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"2809","advertiser_name":"Bank of America","cd_qualifications":null,"cd_expert_take":"Bank of America’s one-year CD doesn’t offer a competitive yield. And you’ll need at least $1,000 to open a Bank of America one-year CD.","cd_pros":"Those who live near a Bank of America location might find it convenient to open a CD at a branch near their home.","cd_cons":"The yield on Bank of America’s one-year CD is well below the national average. \r\nThere’s an $8 monthly service fee if you don’t qualify to waive it. \r\nBank of America’s $1,000 minimum opening deposit requirement is higher than at some other banks.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Bank of America has very low yields on its Bank of America Advantage Savings account. Its APY is well below the savings national average.","savings_mmas_pros":"You only need $100 to open Bank of America’s Advantage Savings account. \r\nBank of America might be a good choice for you if its branches and ATMs are convenient to where you live.","savings_mmas_cons":"The account’s yield is very uncompetitive. \r\nYou’ll need to qualify for the bank’s Platinum Honors Tier to earn its highest yield. And that APY is well below the national average.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Bank of America’s Advantage Plus checking account can be opened with $100. There’s a $12 monthly fee, but there are multiple ways to waive it. Those not enrolled in Balance Connect can be charged an overdraft fee. Bank of America’s mobile app includes a virtual banking assistant called Erica.","checking_pros":"Waiving the monthly fee is easy. \r\nAn overdraft protection option called Balance Connect is available without fees.\r\nCustomers get access to Bank of America’s mobile app, which comes with a suite of digital tools.\r\nBank of America has about 15,000 ATMs nationwide.","checking_cons":"There’s a $12 monthly fee. \r\nThere’s a $10 overdraft fee for those not enrolled in Balance Connect.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Bank of America has very low yields on its Bank of America Advantage Savings account. Its APY is well below the savings national average.","savings_pros":"You only need $100 to open Bank of America’s Advantage Savings account. \r\nBank of America might be a good choice for you if its branches and ATMs are convenient to where you live.","savings_cons":"The account’s yield is very uncompetitive. \r\nYou’ll need to qualify for the bank’s Platinum Honors Tier to earn its highest yield. And that APY is well below the national average.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"3113","advertiser_name":"Wells Fargo","cd_qualifications":null,"cd_expert_take":"Wells Fargo’s standard CD yields are higher than those from some other big banks, but much higher rates can be found elsewhere. Only three standard CD terms are available in some markets, although rates and terms offered can vary by region.","cd_pros":"Wells Fargo CDs can be opened online.\r\nIRA CDs are offered.","cd_cons":"You need at least $2,500 to open a standard CD at Wells Fargo.\r\nA limited number of terms are offered in some markets.\r\nSignificantly higher APYs can be found at other banks.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"The Wells Fargo Platinum Savings account has check-writing privileges. That might give you more payment flexibility than with other savings accounts. The bank doesn’t offer a debit card for this account.","savings_mmas_pros":"You can access your money through an ATM card with this account. \r\nThe Platinum Savings account offers yields higher than the national average at all tiers.","savings_mmas_cons":"You’ll need at least $1 million to earn Well Fargo’s top Platinum Savings account yield. But you can get that at other online banks with no minimum balance.\r\nThere’s a $12 monthly service fee if you don’t keep at least $3,500 in the Platinum Savings account.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Wells Fargo’s Everyday Checking requires a $25 minimum deposit and comes with a $10 monthly fee, which can be waived. Customers get access to mobile deposit, Bill Pay, Zelle and a debit card.","checking_pros":"There are multiple ways to waive the monthly fee.\r\nThe account comes with a debit card.\r\nCustomers can write checks from the account.\r\nWells Fargo has more than 11,000 ATMs across the country.","checking_cons":"There’s a $10 monthly fee. \r\nThe account is subject to a $35 overdraft fee.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"The Wells Fargo Platinum Savings account has check-writing privileges. That might give you more payment flexibility than with other savings accounts. The bank doesn’t offer a debit card for this account.","savings_pros":"You can access your money through an ATM card with this account. \r\nThe Platinum Savings account offers yields higher than the national average at all tiers.","savings_cons":"You’ll need at least $1 million to earn Well Fargo’s top Platinum Savings account yield. But you can get that at other online banks with no minimum balance.\r\nThere’s a $12 monthly service fee if you don’t keep at least $3,500 in the Platinum Savings account.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Wells Fargo’s Platinum Savings offers check-writing privileges and an ATM card, which makes it more akin to a money market account than a savings account. The account offers a near rock-bottom yield, and comes with a $12 monthly fee to boot, which can only be waived by maintaining a minimum monthly balance of $3,500.","mmas_pros":"Wells Fargo’s money market account comes with check-writing privileges and an ATM card.\r\nOnly $25 is required to open an account.","mmas_cons":"Wells Fargo’s Platinum Savings offers an abysmal yield. \r\nThe monthly fee can only be waived by maintaining a relatively large monthly balance.","enable_mmas":1},{"advertiser_id":"11961","advertiser_name":"BMO Alto","cd_qualifications":null,"cd_expert_take":"BMO Alto offers CD terms between 6 months and 5 years, all of which earn competitive yields. The online-only bank doesn’t have a minimum balance requirement. But you will need to fund your CD within 10 days after opening it.","cd_pros":"BMO Alto CDs have highly competitive yields.\r\nYou won’t need to make a minimum opening deposit.\r\nAvailable CD terms range from six months to five years.\r\nBMO Alto CDs are available nationwide.","cd_cons":"You can’t withdraw your money from a BMO Alto CD until 15 days after your opening deposit. (BMO Harris’ brick-and-mortar CDs have an 11 business day policy on this, according to BMO Harris.)\r\nBMO Alto doesn’t offer a no-penalty CD.\r\nThe early withdrawal penalty for CDs up to a year is on the steep side.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"BMO Alto’s Online Savings Account made its debut in 2023, and it earns a highly competitive yield. This nationally available account doesn’t charge a monthly service fee, and there’s no minimum balance requirement.","savings_mmas_pros":"BMO Alto’s Online Savings account earns one of the highest yields around. \r\nMonthly fees and minimum balance requirements are nonexistent.\r\nUnlimited transfers and withdrawals are permitted.","savings_mmas_cons":"Transactions for this online-only account cannot be made in person at a BMO branch.\r\nMobile check deposit is not an option and there’s no ATM access either.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":"BMO Alto’s Online Savings Account made its debut in 2023, and it earns a highly competitive yield. This nationally available account doesn’t charge a monthly service fee, and there’s no minimum balance requirement.","savings_pros":"BMO Alto’s Online Savings account earns one of the highest yields around. \r\nMonthly fees and minimum balance requirements are nonexistent.\r\nUnlimited transfers and withdrawals are permitted.","savings_cons":"Transactions for this online-only account cannot be made in person at a BMO branch.\r\nMobile check deposit is not an option and there’s no ATM access either.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"11797","advertiser_name":"Forbright Bank","cd_qualifications":null,"cd_expert_take":"Forbright Bank maintains just four full-service branches in two states, although its CDs can be opened online with just $1,000. The bank’s one-year CD stands out for its highly competitive yield. The other terms earn APYs well above national averages, although higher yields can be found elsewhere.","cd_pros":"Forbright’s one-year CD earns one of the highest APYs around.\r\nThe minimum required deposit amount is manageable.","cd_cons":"A limited number of CD terms are offered.\r\nMost of Forbright’s CDs earn yields lower than what you can find at other banks.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Forbright Bank’s Growth Savings account earns a highly competitive yield, without requiring a minimum opening deposit or charging monthly service fees.","savings_mmas_pros":"The Growth Savings account earns a top-notch APY.\r\nThe account doesn’t require any minimum opening deposit.\r\nNo monthly service fees are charged.","savings_mmas_cons":"The account does not come with ATM access.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":"Forbright Bank’s Growth Savings account earns a highly competitive yield, without requiring a minimum opening deposit or charging monthly service fees.","savings_pros":"The Growth Savings account earns a top-notch APY.\r\nThe account doesn’t require any minimum opening deposit.\r\nNo monthly service fees are charged.","savings_cons":"The account does not come with ATM access.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"7819","advertiser_name":"Popular Direct","cd_qualifications":null,"cd_expert_take":"Popular Direct offers a solid array of CD terms with high yields, ranging from three months to five years. However, the $10,000 minimum deposit required to open one is prohibitively high.","cd_pros":"Available CDs earn very high yields. \r\nPopular Direct offers terms shorter than a year.","cd_cons":"The minimum deposit required to open a CD is extremely steep. \r\nAll CDs are standard; Popular Direct doesn’t offer bump-up or no-penalty CDs.\r\nA harsh early withdrawal penalty applies for CD terms longer than one year.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Popular Direct’s high-yield savings account earns a rate that’s tough to beat, and the $100 minimum required opening deposit is manageable. The account allows for mobile check deposit, although an ATM card is not included.","savings_mmas_pros":"Popular Direct’s savings account earns a top-notch APY.\r\nThere’s no monthly service fee, and the minimum deposit to open the account is low.","savings_mmas_cons":"The account does not come with an ATM card.\r\nAn early account closing fee of $25 is charged when you close the account within 180 days of opening it.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":"Popular Direct’s high-yield savings account earns a rate that’s tough to beat, and the $100 minimum required opening deposit is manageable. The account allows for mobile check deposit, although an ATM card is not included.","savings_pros":"Popular Direct’s savings account earns a top-notch APY.\r\nThere’s no monthly service fee, and the minimum deposit to open the account is low.","savings_cons":"The account does not come with an ATM card.\r\nAn early account closing fee of $25 is charged when you close the account within 180 days of opening it.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"10597","advertiser_name":"Rising Bank","cd_qualifications":null,"cd_expert_take":"Rising Bank offers a wide array of CDs, including standard, jumbo and bump-up CDs. They come at varying terms, but all earn robust yields. The standard terms range from six months to three years and the bump-up terms from 18 months to three years. The jumbo CD is only available for a two-year term.","cd_pros":"Bump-up and jumbo CDs are available. \r\nAlmost all of the CDs earn highly competitive APYs. \r\nRising Bank’s standard CDs require a reasonable minimum opening deposit of $1,000.","cd_cons":"The bump-up CDs require varying opening deposits, but they are all relatively high. \r\nThe two-year jumbo CD only offers slightly more interest than the regular two-year CD.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Rising Bank’s Checking Account doesn’t charge a monthly fee. Customers need $1,000 to open an account, which is the same amount you’ll need to earn interest, which is solid for a checking account. The maximum customers can deposit into this account is $500,000.","checking_pros":"Rising Bank’s Checking Account doesn’t charge a monthly fee. \r\nRising Bank reimburses fees from MoneyPass ATMs across the US.","checking_cons":"Customers can’t deposit more than $500,000 into the account. \r\nCustomers need $1,000 to start earning interest.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Rising Bank High-Yield Savings Account requires $1,000 to open and to earn interest. The yield is true to the accounts name, offering a very robust yield. There’s no monthly maintenance fee, but there’s a $5 fee if you have no savings account activity for 24 consecutive months.","savings_pros":"Rising Bank’s savings account offers a competitive yield. \r\nThere’s no monthly fee.","savings_cons":"Customers need $1,000 to begin earning interest. \r\nThere’s a $5 dormant savings account fee.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"11960","advertiser_name":"Laurel Road","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Laurel Road offers a stellar high-yield savings account. Savers earn a high APY regardless of the balance in the account, and there aren’t monthly maintenance fees to speak of. There is also no minimum required to open an account.","savings_mmas_pros":"Laurel Road’s savings account earns a high yield, which you can start earning when you deposit as little as one cent. \r\nThere are no monthly maintenance fees or minimum balance requirements.\r\nThere’s no charge for excess monthly withdrawals.","savings_mmas_cons":"Laurel Road doesn’t have physical branches, so you won’t be able to deposit cash into your account. \r\nInterest won’t be credited to your account if you close it within 10 days.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":"Laurel Road offers a stellar high-yield savings account. Savers earn a high APY regardless of the balance in the account, and there aren’t monthly maintenance fees to speak of. There is also no minimum required to open an account.","savings_pros":"Laurel Road’s savings account earns a high yield, which you can start earning when you deposit as little as one cent. \r\nThere are no monthly maintenance fees or minimum balance requirements.\r\nThere’s no charge for excess monthly withdrawals.","savings_cons":"Laurel Road doesn’t have physical branches, so you won’t be able to deposit cash into your account. \r\nInterest won’t be credited to your account if you close it within 10 days.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"10450","advertiser_name":"Connexus Credit Union","cd_qualifications":null,"cd_expert_take":"Connexus Credit Union share certificates earn high yields, but the minimum deposit to open one may be prohibitive for some. Share terms range from one to five years. A bump-up share certificate is also available, allowing customers to increase the APY on their CD once during the term.","cd_pros":"Connexus share certificates earn high yields. \r\nConnexus offers one bump-up share certificate, which also earns a high APY.","cd_cons":"The minimum deposit required to open a certificate is high. \r\nJumbo share certificates only earn marginally higher yields.\r\nTerms shorter than one year aren’t available. \r\nThe bump-up certificate only comes in one term.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"The Connexus savings account is required to maintain membership in the credit union. Customers must maintain a minimum daily balance of $100 to earn interest, which is very low. There’s a $5 minimum balance requirement.","savings_mmas_pros":"There are no monthly fees. \r\nCustomers need just $100 to start earning interest.","savings_mmas_cons":"There’s a $5 minimum balance requirement. \r\nConnexus’ savings account earns a very low yield.\r\nThere’s a $5 per month inactivity fee.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Connexus’ Innovative checking account doesn’t earn interest. It’s a basic account that comes with a debit card, digital banking and free overdraft transfers with linked accounts. The overdraft fee is $4 per overdrawn transaction, up to two per day. Customers have fee-free access to CO-OP and MoneyPass ATM networks.","checking_pros":"There is no monthly fee. \r\nConnexus members have access to more than 67,000 fee-free ATMs nationwide. \r\nThere are free overdraft transfers with linked accounts.","checking_cons":"Connexus doesn’t reimburse fees charged by out-of-network ATM providers.\r\nThere’s a $4 overdraft fee.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"The Connexus savings account is required to maintain membership in the credit union. Customers must maintain a minimum daily balance of $100 to earn interest, which is very low. There’s a $5 minimum balance requirement.","savings_pros":"There are no monthly fees. \r\nCustomers need just $100 to start earning interest.","savings_cons":"There’s a $5 minimum balance requirement. \r\nConnexus’ savings account earns a very low yield.\r\nThere’s a $5 per month inactivity fee.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Connexus’ money market account is tiered, meaning the more you deposit, the higher APY you’ll earn. Customers need at least $1,000 to start earning interest. While that initial number is low, customers get a sizable APY bump if they deposit at least $20,000.","mmas_pros":"Customers who deposit at least $20,000 can earn a solid yield. \r\nThere is no monthly fee.","mmas_cons":"You need at least $1,000 to start earning interest. \r\nCustomers are limited to just four withdrawals per month; there’s a $6 fee for surpassing that limit. \r\nThere’s a $4 overdraft fee.","enable_mmas":1},{"advertiser_id":"6498","advertiser_name":"Bank5 Connect","cd_qualifications":null,"cd_expert_take":"BankFive offers a solid lineup of CD terms, ranging from six months to five years. Though all CDs can be opened with a small deposit, most of the yields are paltry. Moreover, BankFive doesn’t offer special certificates, like bump-up or no-penalty CDs.","cd_pros":"The opening minimum deposit is reasonable.\r\nA handful of BankFive’s CDs offer solid yields. \r\nAdditional deposits can be made after opening a CD.\r\nMost CDs can be opened online.","cd_cons":"BankFive’s four-year CD must be opened at a branch. \r\nMuch higher yields can be found elsewhere.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Bank5 Connect’s checking account earns a very high yield, especially for a checking account. A $100 minimum balance is required to earn interest. There are no monthly maintenance fees, and customers get their first order of checks free. Fee-free ATM access is provided by the SUM ATM Network, and customers get ATM surcharges reimbursed up to $15 per statement cycle.","checking_pros":"The High-Interest Checking account earns a very high yield and earns cashback. \r\nThere are no monthly fees. \r\nCustomers get ATM surcharges reimbursed up to $15 per statement cycle.","checking_cons":"Some checking accounts earn interest on any balance. \r\nThere’s a $1 per month fee for paper statements.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Bank5 Connect’s savings account earns a lackluster yield compared to other online savings accounts. While only $10 is required to open an account, a $100 minimum balance is required to earn interest.","savings_pros":"Only $10 is required to open an account. \r\nThe account doesn’t charge a monthly fee.","savings_cons":"Other online savings accounts offer much higher yields.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"10385","advertiser_name":"BankPurely","cd_qualifications":null,"cd_expert_take":"BankPurely offers just one CD that earns a competitive yield. The minimum deposit required to open that CD is relatively standard.","cd_pros":"BankPurely’s single CD offering earns a very high yield. \r\nThe bank will plant one tree for every account opened.","cd_cons":"Only one standard term is available. \r\nBankPurely doesn’t offer any specialty CDs like bump-up or no-penalty CDs.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":null,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":null},{"advertiser_id":"10310","advertiser_name":"Limelight","cd_qualifications":null,"cd_expert_take":"Limelight Bank only offers a handful of CDs, ranging from six months to three years, but they all earn solid yields. Moreover, the minimum deposit of $1,000 required to open an account is reasonable.","cd_pros":"All Limelight CDs earn solid or high yields. \r\nThe early withdrawal penalties are reasonable.","cd_cons":"Limelight Bank only offers a handful of terms. \r\nHigh-yield CDs with lower minimum deposit requirements can be found elsewhere.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":null,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":null},{"advertiser_id":"10520","advertiser_name":"Western State","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":"The account earns a high yield on all balances. \r\nThere is no ongoing minimum balance requirement.","savings_mmas_expert_take":"Western State Bank rewards customers with a high yield on all balances on its money market account. A minimum deposit of $5,000 is required to open the account, but there isn’t an ongoing minimum balance requirement after that initial deposit.","savings_mmas_pros":"The initial minimum deposit is high. \r\nWithdrawals are limited to 10 per month; you may incur a fee for each additional withdrawal.","savings_mmas_cons":"The High Yield Money Market account requires a high minimum of $5,000 to open.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":0,"mmas_qualifications":"The account earns a high yield on all balances. \r\nThere is no ongoing minimum balance requirement.","mmas_expert_take":"Western State Bank rewards customers with a high yield on all balances on its money market account. A minimum deposit of $5,000 is required to open the account, but there isn’t an ongoing minimum balance requirement after that initial deposit.","mmas_pros":"The initial minimum deposit is high. \r\nWithdrawals are limited to 10 per month; you may incur a fee for each additional withdrawal.","mmas_cons":"The High Yield Money Market account requires a high minimum of $5,000 to open.","enable_mmas":1},{"advertiser_id":"11926","advertiser_name":"U.S. Bank","cd_qualifications":null,"cd_expert_take":"U.S. Bank is one of the top five largest banks in the country, based on consolidated assets. It has more than 2,000 branches in 26 states. It offers 11 regular CD terms, all of which earn rates well below national averages.","cd_pros":"In addition to regular CDs, U.S. Bank offers a step-up CD and two terms of trade-up CDs.\r\nA wide range of terms are available from one month to five years.","cd_cons":"The standard CDs earn very low yields.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"U.S. Bank’s Elite Money Market Account earns a robust APY, but only for a limited time on balances at or above $25,000 due to a bonus APY being offered. Otherwise, the account is tiered — meaning you earn a higher APY the more you deposit — but all of those yields are very low. Much better deals can be found elsewhere. The account can be opened with just $10 and comes without monthly fees.","savings_mmas_pros":"The account is tiered. \r\nThe minimum deposit is low. \r\nUS Bank’s bonus APY makes the account very competitive, at least for the time being. \r\nThere are no monthly fees.","savings_mmas_cons":"The standard yields are very low. \r\nU.S. Bank charges $2.50 when you use an out-of-network ATM.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"U.S. Bank’s Smartly Checking account earns a bit of interest and can be opened with just $25. There’s a $6.95 monthly fee, but customers have a few ways they can waive it. A number of overdraft protections are available, but a hefty $36 fee will apply if you don’t meet the protection requirements. Customers will get access to a large fee-free ATM network, composed of U.S. Bank and MoneyPass ATMs.","checking_pros":"Smartly Checking earns some interest. \r\nThe monthly fee can be waived several ways. \r\nThere’s overdraft protection.","checking_cons":"U.S. Bank still charges a hefty overdraft fee. \r\nThere’s a monthly fee.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":0,"mmas_qualifications":null,"mmas_expert_take":"U.S. Bank’s Elite Money Market Account offers a very robust yield for balances of at least $25,000. Balances below that amount earn a rock-bottom yield, so this account is only ideal for customers who have a large amount of cash ready to deposit. A minimum deposit of $100 is required to open the account, and there’s a waivable $10 monthly fee.","mmas_pros":"Balances of $25,000 or more earn a very high yield. \r\nThe $100 minimum opening deposit is reasonable.","mmas_cons":"Customers need to dig to find basic information about the account. \r\nA large balance is needed to earn a high yield. \r\nThere are onerous requirements to waive the monthly service fee.","enable_mmas":1},{"advertiser_id":"1966","advertiser_name":"First Internet Bank of Indiana","cd_qualifications":null,"cd_expert_take":"First Internet Bank of Indiana is an online bank that serves all 50 states. It offers eight CD terms that range from three months to five years, all of which pay highly competitive rates. CDs require a minimum opening deposit of $1,000, which is lower than what some other banks require but could still be too high for some customers.","cd_pros":"First Internet Bank of Indiana CDs pay top-notch rates.\r\nA wide range of CD terms are offered.","cd_cons":"Lower minimum opening deposits can be found elsewhere.\r\nNo specialty CD options are offered.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"First Internet Bank’s Free Savings requires a $25 minimum deposit to open, but doesn’t charge a monthly fee. Customers won’t grow their savings too much with this account, since the APY is very low. But customers do get up to $10 in rebates for ATM surcharge fees each month.","savings_mmas_pros":"First Internet Bank of Indiana offers ATM rebates on its Free Savings account. \r\nThere is no monthly fee.","savings_mmas_cons":"Customers need $25 to open an account; many online banks don’t require a minimum deposit. \r\nThe Free Savings account earns a very low interest rate.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"First Internet Bank’s Free Checking account requires a $25 minimum deposit to open. While the account doesn’t earn interest, it also doesn’t charge a monthly fee. Unlike other accounts at this bank, Free Checking doesn’t come with ATM surcharge rebates.","checking_pros":"There is no monthly fee.","checking_cons":"Customers need $25 to open an account; many online banks don’t require a minimum deposit. \r\nFree Checking doesn’t offer ATM surcharge rebates.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"First Internet Bank’s Free Savings requires a $25 minimum deposit to open, but doesn’t charge a monthly fee. Customers won’t grow their savings too much with this account, since the APY is very low. But customers do get up to $10 in rebates for ATM surcharge fees each month.","savings_pros":"First Internet Bank of Indiana offers ATM rebates on its Free Savings account. \r\nThere is no monthly fee.","savings_cons":"Customers need $25 to open an account; many online banks don’t require a minimum deposit. \r\nThe Free Savings account earns a very low interest rate.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"First Internet Bank’s Money Market Savings requires a $100 minimum deposit to open and comes with a $5 monthly fee. Customers need $1 million to earn the top yield, but balances below that still earn a robust yield. First Internet Bank provides a $10 rebate per month for ATM surcharge fees.","mmas_pros":"The Money Market Savings account earns solid yields on balances below $1 million. \r\nBalances of $1 million and above earn a very high APY.","mmas_cons":"Customers need $100 to open an account; many online banks don’t require a minimum deposit. \r\nThere’s a $5 monthly fee, which isn’t easily waived.","enable_mmas":1},{"advertiser_id":"10629","advertiser_name":"Bread Savings","cd_qualifications":null,"cd_expert_take":"Bread Savings offers five CD terms, ranging from one to five years. All CDs come with competitive yields, though customers will find that the shorter CDs come with higher APYs. Moreover, there is a $1,500 minimum opening deposit requirement, which is higher than other banks require.","cd_pros":"Bread Savings’ one-year CD offers a top-notch APY.\r\nCD renewals are rewarded with slightly higher yields.","cd_cons":"Bread Savings doesn’t offer CD terms less than a year. \r\nThere is a $1,500 minimum opening deposit requirement.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Bread offers a high-yield savings account that’s true to its name. The account can be opened with just $100. Though there are no monthly maintenance fees, customers should note the miscellaneous fees associated with the account.","savings_mmas_pros":"Bread’s high-yield savings account offers a very competitive APY.\r\nThe account comes with no monthly maintenance fees.\r\nThe account can be opened with just $100.","savings_mmas_cons":"Bread Savings doesn’t offer ATM access. \r\nThere are some fees associated with the account, including a $5 fee per paper statement and a $25 fee per outgoing wire transfer.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":"Bread offers a high-yield savings account that’s true to its name. The account can be opened with just $100. Though there are no monthly maintenance fees, customers should note the miscellaneous fees associated with the account.","savings_pros":"Bread’s high-yield savings account offers a very competitive APY.\r\nThe account comes with no monthly maintenance fees.\r\nThe account can be opened with just $100.","savings_cons":"Bread Savings doesn’t offer ATM access. \r\nThere are some fees associated with the account, including a $5 fee per paper statement and a $25 fee per outgoing wire transfer.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"10454","advertiser_name":"Citizens Access","cd_qualifications":null,"cd_expert_take":"Citizens Access offers 1- to 5-year terms on its CDs. The one-year term is particularly competitive, but all CDs require a $5,000 minimum deposit to open.","cd_pros":"Citizens Access CDs offer competitive yields.\r\nOutside of the early withdrawal penalty, there are no fees associated with Citizens Access CDs.","cd_cons":"Customers need $5,000 to open a CD. \r\nTerms shorter than a year aren’t available.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Citizens Access high-yield online savings account offers a very high APY on all balances. The account can be opened for free and comes without monthly service fees. But the account doesn’t come with an ATM card for withdrawals.","savings_mmas_pros":"Citizens Access’ savings account offers a high yield on all balances. \r\nThere are no monthly fees.","savings_mmas_cons":"The account comes without an ATM card.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":"Citizens Access high-yield online savings account offers a very high APY on all balances. The account can be opened for free and comes without monthly service fees. But the account doesn’t come with an ATM card for withdrawals.","savings_pros":"Citizens Access’ savings account offers a high yield on all balances. \r\nThere are no monthly fees.","savings_cons":"The account comes without an ATM card.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"10206","advertiser_name":"Discover Bank","cd_qualifications":null,"cd_expert_take":"Discover Bank offers 12 terms, ranging from three months all the way to 10 years — one of few banks to offer the latter. Just about all the terms offer very competitive yields. But you need at least $2,500 to open an account.","cd_pros":"Discover offers a wide range of CDs.\r\nMost CDs earn a highly competitive yield.","cd_cons":"Customers need at least $2,500 to open an account.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Discover Bank’s Online Savings Account offers a top-notch yield. There isn’t a minimum opening deposit or minimum balance requirement, and customers won’t pay a monthly fee for the account.","savings_mmas_pros":"Discover’s savings account offers a high yield on all balances.\r\nThere is no monthly maintenance fee. \r\nThere is no minimum deposit required to open an account.","savings_mmas_cons":"The Online Savings Account doesn’t offer ATM access.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Discover Bank’s Cashback Debit account offers a top-notch cash back program for a checking account. Customers can earn 1% cash back on up to $3,000 in debit card purchases each month. What’s more, the account comes without monthly maintenance fees or overdraft fees.","checking_pros":"Discover Bank’s checking account offers a stellar cash back deal.\r\nThere are no monthly maintenance, overdraft or non-sufficient funds fees associated with the account. \r\nCustomers have access to more than 60,000 fee-free ATMs nationwide.","checking_cons":"The Cashback Debit account doesn’t earn interest.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Discover Bank’s Online Savings Account offers a top-notch yield. There isn’t a minimum opening deposit or minimum balance requirement, and customers won’t pay a monthly fee for the account.","savings_pros":"Discover’s savings account offers a high yield on all balances.\r\nThere is no monthly maintenance fee. \r\nThere is no minimum deposit required to open an account.","savings_cons":"The Online Savings Account doesn’t offer ATM access.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Discover’s money market account offers a high APY, but you’ll need at least $100,000 deposited in the account to earn the highest yield. Customers get a debit card and checks, in addition to ATM access.","mmas_pros":"Discover’s money market account offers a high yield. \r\nStandard checks are free, and the account comes with a debit card.\r\nThere are no monthly fees associated with the account.","mmas_cons":"A balance of at least $100,000 is required to earn the top yield.\r\nThe top APY is only slightly higher than the base yield.","enable_mmas":1},{"advertiser_id":"1806","advertiser_name":"Truist Bank","cd_qualifications":null,"cd_expert_take":"Truist offers two special CDs, both offering competitive APYs. Customers can open an account but need at least $1,000 and must visit a branch to open.","cd_pros":"The special CDs offer competitive yields.","cd_cons":"CDs must be opened at a branch.\r\nThe minimum opening deposit is $1,000.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Truist One Savings is the bank’s base savings account. It requires $50 to open and comes with a monthly maintenance fee, which can be waived. Not only is the account not free to open or maintain, the yield is rock-bottom.","savings_mmas_pros":"The monthly maintenance fee is waivable.","savings_mmas_cons":"Truist One Savings comes with a rock-bottom APY.\r\nThe savings account comes with a $5 monthly fee. \r\nWithdrawals per statement cycle are limited to six; a $5 fee applies for surpassing that limit.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Truist’s One Checking Account requires a $50 minimum opening deposit, and charges a whopping $12 monthly fee, with five ways to waive. The account doesn’t charge overdraft fees, and there’s a $100 negative balance buffer if you meet certain criteria.","checking_pros":"The monthly fee is easy to waive. \r\nThe account doesn’t charge overdraft fees.\r\nThe minimum opening deposit is just $50.","checking_cons":"There’s a $12 monthly fee, which is high.\r\nThe account doesn’t earn interest.\r\nThere’s a $3 fee for using out-of-network ATMs within the U.S.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Truist One Savings is the bank’s base savings account. It requires $50 to open and comes with a monthly maintenance fee, which can be waived. Not only is the account not free to open or maintain, the yield is rock-bottom.","savings_pros":"The monthly maintenance fee is waivable.","savings_cons":"Truist One Savings comes with a rock-bottom APY.\r\nThe savings account comes with a $5 monthly fee. \r\nWithdrawals per statement cycle are limited to six; a $5 fee applies for surpassing that limit.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Truist’s One Money Market Account requires $50 to open and comes with a monthly fee, though it can be waived by maintaining a minimum balance of $1,000 or more. The same rock-bottom interest rate is earned on all balances.","mmas_pros":"The monthly fee can be waived relatively easily. \r\nThe minimum deposit is just $50.","mmas_cons":"There’s a $5 monthly maintenance fee. \r\nWithdrawals per statement cycle are limited to six; a $15 fee applies for surpassing that limit.","enable_mmas":1},{"advertiser_id":"9880","advertiser_name":"First National Bank of America","cd_qualifications":null,"cd_expert_take":"First National Bank of America offers a wide range of CDs, including a 10-year CD. Yields vary, but most First National Bank CDs earn solid to high APYs. At least $1,000 is required to open a CD.","cd_pros":"The $1,000 deposit requirement is reasonable.\r\nDepending on the term, yields can be competitive. \r\nThere’s a large range of options available.\r\nIRA CDs are available.","cd_cons":"The bank doesn’t offer no-penalty or bump-up CDs.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"First National Bank of America’s Statement Savings account requires $100 to open and earns a very low interest rate. What’s more, there’s a $199 minimum balance requirement. Falling below that balance will result in a $10 fee.","savings_mmas_pros":"The minimum deposit required to open the account is $100. \r\nThere is no monthly fee.","savings_mmas_cons":"The APY for Statement Savings is very low.\r\nCustomers need to dig to find information about fees associated with the account. \r\nA $10 fee will be charged if the account balance falls below $199.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"First National Bank’s Simple Checking account requires a $100 minimum to open. The account earns interest but also comes with a balance requirement of either $500 minimum daily balance or $750 average daily balance.","checking_pros":"The account can be opened with just $100.","checking_cons":"Customers need to dig to find information about fees associated with the account. \r\nThere’s a daily balance requirement.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"First National Bank of America’s Statement Savings account requires $100 to open and earns a very low interest rate. What’s more, there’s a $199 minimum balance requirement. Falling below that balance will result in a $10 fee.","savings_pros":"The minimum deposit required to open the account is $100. \r\nThere is no monthly fee.","savings_cons":"The APY for Statement Savings is very low.\r\nCustomers need to dig to find information about fees associated with the account. \r\nA $10 fee will be charged if the account balance falls below $199.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"5390","advertiser_name":"Morgan Stanley Private Bank","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Morgan Stanley’s Premium Savings Account earns a competitive yield. As a special perk, customers can get enhanced FDIC coverage of up to $500,000. No minimum initial deposit is required to open an account, but the account must be funded within 30 days to remain open.","savings_mmas_pros":"There’s no minimum deposit requirement. \r\nMorgan Stanley Private Bank offers enhanced FDIC coverage. \r\nThe yield is competitive.","savings_mmas_cons":"The account must be funded within 30 days to remain open.\r\nCustomers can’t deposit cash into the account.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Morgan Stanley’s Checking account earns a very competitive APY for a checking account. There are no monthly fees or minimum balance requirements, and customers get refunded for ATM surcharge fees nationwide.","checking_pros":"There’s no monthly fee or minimum balance requirements.\r\nMorgan Stanely offers ATM refunds nationwide.","checking_cons":"Customers can’t deposit cash into the account.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Morgan Stanley’s Premium Savings Account earns a competitive yield. As a special perk, customers can get enhanced FDIC coverage of up to $500,000. No minimum initial deposit is required to open an account, but the account must be funded within 30 days to remain open.","savings_pros":"There’s no minimum deposit requirement. \r\nMorgan Stanley Private Bank offers enhanced FDIC coverage. \r\nThe yield is competitive.","savings_cons":"The account must be funded within 30 days to remain open.\r\nCustomers can’t deposit cash into the account.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"5510","advertiser_name":"Navy Federal Credit Union","cd_qualifications":null,"cd_expert_take":"Navy Federal offers a host of share certificates, ranging from three months to seven years. Yields are generally high, and you’ll earn slightly higher interest if you deposit at least $100,000. For standard certificates, a $1,000 minimum deposit is required to open an account. For EasyStart Certificates, just $50 is needed to open an account, but there’s a $3,000 maximum deposit limit.","cd_pros":"Share certificates at Navy Federal offer high yields. \r\nThe $1,000 minimum deposit is relatively standard.","cd_cons":"You need at least $100,000 to earn the top yield for any term.\r\nEasyStart certificates only allow up to $3,000 to be deposited.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Navy Federal’s Share Savings account is required to establish and maintain membership. It can be opened with just $5, but comes with a paltry yield. Interest is compounded and credited monthly.","savings_mmas_pros":"Share Savings can be opened with $5.\r\nThere is no monthly service fee.","savings_mmas_cons":"Share Savings earns a very low APY.\r\nThere’s a quarterly inactive member fee for those who don’t meet minimum balance or account activity requirements.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Navy Federal’s Free EveryDay Checking account comes without monthly fees and doesn’t require a minimum opening deposit. There’s also no minimum balance requirement. Customers with this account earn a bit of interest, albeit nothing spectacular. There’s a $20 overdraft fee associated with the account if you choose to opt in.","checking_pros":"There’s no monthly fee or minimum balance requirements.\r\nFree EverDay Checking earns a little bit of interest.","checking_cons":"Checking accounts with higher interest rates can be found elsewhere.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Navy Federal’s Share Savings account is required to establish and maintain membership. It can be opened with just $5, but comes with a paltry yield. Interest is compounded and credited monthly.","savings_pros":"Share Savings can be opened with $5.\r\nThere is no monthly service fee.","savings_cons":"Share Savings earns a very low APY.\r\nThere’s a quarterly inactive member fee for those who don’t meet minimum balance or account activity requirements.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"2162","advertiser_name":"NBKC Bank","cd_qualifications":null,"cd_expert_take":"NBKC Bank offers a large range of standard CDs, in addition to IRA CDs. Standard terms range from six months to five years. Some yields are very competitive while others are solid, depending on the account. $250 is required to open some NBKC CD; others require $1,000.","cd_pros":"Yields range from solid to competitive.\r\nThere are various term options available. \r\nCustomers can open IRA CDs.","cd_cons":"Not all NBCK CDs offer competitive yields.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"NBKC’s Personal Money Market account earns a solid yield on all balances. There isn’t a minimum opening deposit, and you’ll start earning interest on as little as one cent. While the APY is solid, customers can easily find higher rates elsewhere.","savings_mmas_pros":"There is no monthly fee.\r\nCustomers get up to $12 per month refunds on out-of-network ATM fees.","savings_mmas_cons":"The APY is solid, but not the best.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"The NBKC Everything Account is an interest-bearing checking account with a very competitive APY. Customers get a debit card and access to a robust ATM network with more than 37,000 ATMs nationwide. Additionally, customers get reimbursed for out-of-network ATM fees.","checking_pros":"For a checking account, NBKC’s Everything Account earns a high interest rate.\r\nCustomers get reimbursed up to $12 per month in out-of-network ATM fees. \r\nThe account comes with a debit card.","checking_cons":"NBKC doesn’t offer access to Zelle.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":0,"mmas_qualifications":null,"mmas_expert_take":"NBKC’s Personal Money Market account earns a solid yield on all balances. There isn’t a minimum opening deposit, and you’ll start earning interest on as little as one cent. While the APY is solid, customers can easily find higher rates elsewhere.","mmas_pros":"There is no monthly fee.\r\nCustomers get up to $12 per month refunds on out-of-network ATM fees.","mmas_cons":"The APY is solid, but not the best.","enable_mmas":1},{"advertiser_id":"9664","advertiser_name":"Northpointe Bank","cd_qualifications":null,"cd_expert_take":"Northpointe Bank offers a broad range of CDs. Terms range from seven days to five years. All except one special term require a $1,000 minimum deposit. Most terms offer okay yields, but higher APYs can easily be found elsewhere.","cd_pros":"Northpointe Bank has many CDs to choose from.\r\nThe $1,000 minimum deposit is relatively standard.","cd_cons":"Standard CD yields range from low to OK. \r\nThe 11-month CD Special, which offers the highest yield, requires a $25,000 deposit to open.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Northpointe Bank’s Ultimate Savings is a tiered account. Customers need $100 to open the account and begin earning interest. Yields are very low until you make at least $25,000 in deposit. Even then, higher yields can easily be found elsewhere.","savings_mmas_pros":"The Ultimate Savings account can be opened with just $100.\r\nIf you have at least $25,000, you can earn a solid yield.\r\nThere is no monthly fee.","savings_mmas_cons":"Higher yields with lower balance requirements can easily be found elsewhere. \r\nBalances under $100 don’t earn interest.\r\nWithdrawals are limited to six per month.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Northpointe Bank’s Free Checking account can be opened with $100 and doesn’t earn interest. Customers get reimbursed up to $15 in out-of-network ATM fees each month.","checking_pros":"Northpointe’s Free Checking can be opened with just $100.\r\nCustomers get ATM fees reimbursed.","checking_cons":"Very little information about this account is available online. \r\nNorthpointe doesn’t have its own ATM network or access to Zelle.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Northpointe Bank’s Ultimate Savings is a tiered account. Customers need $100 to open the account and begin earning interest. Yields are very low until you make at least $25,000 in deposit. Even then, higher yields can easily be found elsewhere.","savings_pros":"The Ultimate Savings account can be opened with just $100.\r\nIf you have at least $25,000, you can earn a solid yield.\r\nThere is no monthly fee.","savings_cons":"Higher yields with lower balance requirements can easily be found elsewhere. \r\nBalances under $100 don’t earn interest.\r\nWithdrawals are limited to six per month.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Northpointe’s Ultimate Money Market account is a tiered account, meaning you’ll earn a higher interest rate the more you deposit. Although the account can be opened with just $100, customers will need to deposit at least $2,500 to begin earning a paltry rate. At least $25,000 is required to earn the top APY.","mmas_pros":"The Ultimate Money Market account can be opened with $100.\r\nThe account offers check-writing privileges and comes with a debit card and access to bill pay.","mmas_cons":"The yield is generally very low.\r\nEven the top yield is easily attainable elsewhere.\r\nWithdrawals are limited to six per month.","enable_mmas":1},{"advertiser_id":"10455","advertiser_name":"Customers Bank","cd_qualifications":null,"cd_expert_take":"Customers Bank offers just a handful of CDs, ranging from 3 to 60 months. The APYs are solid, but you can find higher yields elsewhere, especially for the longer terms. Customers need $500 to open a CD and earn interest.","cd_pros":"Customers Bank offers robust yields on some terms. \r\nOnly $500 is needed to open a CD.","cd_cons":"There are no short-term CDs to choose from. \r\nMany online banks don’t require a minimum deposit. \r\nMost CDs must be opened at a branch.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"Customers Bank’s Personal Savings account comes with a highly competitive APY, since the rate adjusts to be the midpoint of the Federal Funds Target Range (minus 0.25 percent). But you’ll need $25,000 to open an account and you’ll need at least that much money in the account to continue earning interest.","savings_mmas_pros":"Customers Bank’s savings account offers a very competitive interest rate. \r\nThe interest rate follows the Federal Funds Target Range, which means customers will get a favorable rate right now. \r\nThere is no monthly fee.","savings_mmas_cons":"$25,000 is needed to open an account and earn interest.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Customers Bank’s Interest Checking offers a very competitive yield for a checking account — and customers can get a boost to that yield when using direct deposit or bill pay. There are no monthly fees or minimum balance requirements.","checking_pros":"There are no monthly fees.\r\nInterest Checking offers a very high interest rate. \r\nThere are no minimum balance requirements to earn interest.","checking_cons":"The bank’s mobile app isn’t highly rated. \r\nInterest Checking can only be opened at a branch.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Customers Bank’s Personal Savings account comes with a highly competitive APY, since the rate adjusts to be the midpoint of the Federal Funds Target Range (minus 0.25 percent). But you’ll need $25,000 to open an account and you’ll need at least that much money in the account to continue earning interest.","savings_pros":"Customers Bank’s savings account offers a very competitive interest rate. \r\nThe interest rate follows the Federal Funds Target Range, which means customers will get a favorable rate right now. \r\nThere is no monthly fee.","savings_cons":"$25,000 is needed to open an account and earn interest.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"10528","advertiser_name":"Fifth Third Bank","cd_qualifications":null,"cd_expert_take":"Fifth Third Bank offers a wide variety of CDs, with terms as short as seven days to as long as 84 months on standard CDs — but most of them pay low yields. Short-term CDs require a $5,000 minimum deposit to open while long-term CDs require a $500 minimum deposit.","cd_pros":"There are a wide variety of options to choose from.\r\nThe minimum deposit requirement on long-term CDs is reasonable.","cd_cons":"Most Fifth Third CDs pay low yields.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"The Fifth Third Momentum Savings account earns a rock-bottom yield on all balances. There’s a $5 monthly fee, and there are very few options to waive it. There is no minimum deposit requirement to open the account.","savings_mmas_pros":"There is no minimum deposit requirement to open a Fifth Third savings account.","savings_mmas_cons":"Some customers may find it cumbersome to waive the monthly fee. \r\nThere’s a $5 monthly fee. \r\nThe Momentum Savings account comes with a rock-bottom yield.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"Fifth Third Bank’s Momentum Checking comes with check-writing privileges and a debit card. The account is free to open since there are no monthly fees, minimum balance or deposit requirements. Customers get access to all the bells-and-whistles of modern banking, including Early Pay and overdraft protection.","checking_pros":"There are no monthly fees.\r\nThere isn't a minimum deposit requirement to open an account.\r\nCustomers get access to Early Pay and overdraft protection.","checking_cons":"Without protection, the overdraft fee is $37.\r\nThe Momentum Checking account doesn’t earn interest.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"The Fifth Third Momentum Savings account earns a rock-bottom yield on all balances. There’s a $5 monthly fee, and there are very few options to waive it. There is no minimum deposit requirement to open the account.","savings_pros":"There is no minimum deposit requirement to open a Fifth Third savings account.","savings_cons":"Some customers may find it cumbersome to waive the monthly fee. \r\nThere’s a $5 monthly fee. \r\nThe Momentum Savings account comes with a rock-bottom yield.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Fifth Third Bank’s Relationship Money Market account earns a rock-bottom APY on all balances. There’s a $5 monthly fee, which can be waived a couple of different ways. The account comes with check-writing privileges.","mmas_pros":"Fifth Third Bank’s Relationship Money Market account comes with check-writing privileges.","mmas_cons":"There’s a $5 monthly fee.\r\nWaiving the monthly fee may be difficult for some customers. \r\nAll balances earn a rock-bottom yield.","enable_mmas":1},{"advertiser_id":"9677","advertiser_name":"Salem Five Direct","cd_qualifications":null,"cd_expert_take":"Salem Five Direct offers just a handful of CDs, ranging from six months to two years. All CDs come with very competitive yields, but customers need $10,000 to open an account. The maximum deposit amount is $500,000.","cd_pros":"Salem Five Direct offers high yields on all its CDs.","cd_cons":"Customers need a large amount of cash to open a CD. \r\nThe minimum deposit amount is steep.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"The eOne Checking account comes without monthly fees or minimum balance requirements, and it even earns some interest to boot. Salem Five Direct doesn’t charge a fee for using non-Salem Five ATMs. Instead, the bank provides reimbursements up to $15 per statement cycle in ATM surcharges.","checking_pros":"The eOne Checking account earns interest and doesn’t charge monthly fees. \r\nThe account reimburses out-of-network ATM fees up to $15 per statement cycle.\r\nSalem Five Direct’s mobile app is highly rated.","checking_cons":"Salem Five checking customers aren’t eligible to open an eOne Checking account. \r\nChecking accounts with higher yields are available elsewhere.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Salem Five Direct’s eOne Savings account offers a top-notch yield for balances up to $1 million. Every dollar after that amount earns a rock-bottom yield. An account can be opened with just $10, and there are no monthly fees or minimum balance requirements.","savings_pros":"The eOne Savings account offers a top-notch yield. \r\nThere’s no monthly fee. \r\nOnly $10 is required to open an account.","savings_cons":"Salem Five customers with a checking or savings account can’t apply for an eOne Savings account. (Customers with an eOne checking account are eligible.)","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"10586","advertiser_name":"TAB Bank","cd_qualifications":null,"cd_expert_take":"TAB Bank offers a handful of CDs, ranging from one to five year terms. All CDs can be opened with $1,000 and they all offer competitive rates, especially true of the shorter terms. Certificates renew automatically, and interest can be paid out monthly or left in the CD to compound.","cd_pros":"All CDs offer competitive yields. \r\nInterest can be withdrawn without penalty.","cd_cons":"Though relatively standard, some banks require less than $1,000 to open a CD. \r\nTAB Bank doesn’t have a wide range of terms to choose from.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"TAB Bank’s checking account, called TAB Spend, earns a stellar APY for an account of this kind. Customers earn interest with as little as one cent. To boot, customers get one percent cashback on all debit card purchases. Without a minimum opening deposit requirement or monthly service fees, this is a highly accessible account.","checking_pros":"The TAB Spend account earns interest and cashback. \r\nThere are no monthly fees. \r\nCustomers get access to a robust ATM network.","checking_cons":"Customers aren’t reimbursed for out-of-network ATM surcharges.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"TAB Bank’s savings account offers a top-notch yield on all balances. There isn’t a minimum balance requirement to open an account, which also doesn’t charge monthly fees. However, withdrawals are limited to six per month.","savings_pros":"TAB Bank’s savings account offers a very high yield on all balances. \r\nThe account doesn’t charge monthly service or excessive withdrawal fees.","savings_cons":"Paper statements cost $5. \r\nWithdrawals are limited to six per month, albeit there isn’t a fee if you surpass that limit. (TAB Bank may convert the savings account into a checking account if you surpass that limit numerous times.)","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"TAB Bank’s money market account earns a low interest rate on all balances. $25 is required to open an account. The account comes with check-writing privileges. Although there’s a six-per-month withdrawal limit, TAB Bank doesn’t charge a fee for surpassing that limit. However, the bank may convert your money market account to a checking account if this limit is surpassed on multiple occasions.","mmas_pros":"TAB’s money market account offers check-writing privileges. \r\nOnly $25 is required to open an account.","mmas_cons":"Money market accounts with higher yields are easily found elsewhere. \r\nThere’s a $10 fee to close your account. \r\nA $30 returned item fee can be charged up to $150 per day.","enable_mmas":1},{"advertiser_id":"6749","advertiser_name":"TD Bank","cd_qualifications":null,"cd_expert_take":"TD Bank offers a wide variety of CDs, including a large range of terms. The yields on the standard terms are low, but relationship APYs are available if you meet certain requirements. A “no-catch” CD is also available, which allows customers to make one penalty-free withdrawal per term. Lastly, a “Step Rate” CD is also available, which raises your (albeit low) rate over several years.","cd_pros":"TD Bank offers a wide array of CD types and terms. \r\nCDs can be opened with just $250. \r\nCustomers can get higher yields by qualifying for a relationship APY.","cd_cons":"Most standard terms offer lackluster rates.\r\nThe “Step Rate” CD offers a low yield.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":"TD Bank’s Simple Savings account won’t do much to grow your savings, as it offers a very low APY. There isn’t a minimum deposit requirement, but customers will need to shell out $5 per month on a monthly fee, though there are a few ways to waive it.","savings_mmas_pros":"There isn’t a minimum deposit requirement. \r\nThe monthly fee is easily waived.","savings_mmas_cons":"The Simple Savings account earns a near rock-bottom yield. \r\nThere’s a monthly service fee.","enable_savings_mmas":1,"checking_qualifications":null,"checking_expert_take":"TD Bank’s Complete Checking account comes with a $15 monthly fee that can be waived a number of ways, including for students and adults ages 17 to 23. Similarly, the first order of checks is free for customers aged 60 and above. There is no minimum deposit requirement, meaning the account is free to open.","checking_pros":"The monthly fee can be waived several ways. \r\nTD Bank waives monthly maintenance and out-of-network ATM fees for students and young adults.","checking_cons":"There’s a $15 monthly fee. \r\nThough there’s some protection, TD Bank still charges a hefty $35 overdraft fee up to three times per day.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"TD Bank’s Simple Savings account won’t do much to grow your savings, as it offers a very low APY. There isn’t a minimum deposit requirement, but customers will need to shell out $5 per month on a monthly fee, though there are a few ways to waive it.","savings_pros":"There isn’t a minimum deposit requirement. \r\nThe monthly fee is easily waived.","savings_cons":"The Simple Savings account earns a near rock-bottom yield. \r\nThere’s a monthly service fee.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"5291","advertiser_name":"America First Credit Union","cd_qualifications":null,"cd_expert_take":"America First Credit Union offers a wide array of CDs, giving consumers a large list of terms to choose from. To boot, all CDs earn competitive yields. Just $500 is needed to open a CD and earn interest.","cd_pros":"America First offers a wide range of CD terms.\r\nAll CDs earn competitive APYs.","cd_cons":"Withdrawing from the principal below $500 may mean customers stop earning interest on their CD.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"America First Credit Union’s Classic Checking account earns a small amount of interest. While there’s no minimum opening deposit requirement, customers must maintain at least $500 in the account to earn interest.","checking_pros":"The Classic Checking account doesn’t charge a monthly fee. \r\nCustomers earn a small amount of interest with the account.","checking_cons":"Higher-yielding checking accounts can be found elsewhere.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"America First Credit Union’s Share Savings account can be opened with just $1, which is also the amount needed to earn interest. All balances earn a paltry rate, however.","savings_pros":"The account can be opened with just $1.","savings_cons":"Savings accounts with higher yields are easily found elsewhere.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"America First’s Money Market Checking account requires a whopping $10,000 to open. The account is tiered, meaning higher balances earn more interest. That noted, even the top-notch rate — which requires a quarter of a million dollars — is very low.","mmas_pros":"There are no monthly fees.","mmas_cons":"The yields for this account are very low. \r\nA $10,000 minimum balance is required to open an account.","enable_mmas":1},{"advertiser_id":"10572","advertiser_name":"Banesco USA Bank","cd_qualifications":null,"cd_expert_take":"Banesco USA Bank offers just a handful of CDs, with terms ranging from three months to three years. All CDs earn highly competitive yields. Customers will need at least $1,500 to open an account, which is also the minimum requirement to earn interest.","cd_pros":"All Banesco USA CDs offer top-notch yields. \r\nCD customers get access to online and mobile banking.","cd_cons":"Some banks have lower minimum deposit requirements. \r\nTerm options are limited.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Banesco’s basic checking account, which can be opened at a branch with $100, doesn’t earn interest. There’s a $15 monthly fee, which can be waived by maintaining a $100 minimum daily balance. Customers get access to all the bells and whistles of online and mobile banking, including access to Zelle.","checking_pros":"Customers need just $100 to open an account. \r\nThe monthly fee is easily waived.","checking_cons":"The monthly fee is high compared to other checking accounts. \r\nBanesco’s basic checking account must be opened at a branch.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"The BanesGrow Savings account earns a lackluster yield compared to what you can find by shopping around. The account can be opened with $100, and it comes with a $5 monthly fee, which can be waived. A $300 minimum balance is required to earn interest, and withdrawals are limited to six per month.","savings_pros":"The monthly fee is relatively easy to waive.","savings_cons":"Savings accounts with higher yields can be found elsewhere. \r\nThere’s a $10 fee for surpassing the six-per-month withdrawal limit.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"The BanesFlex Money Market account requires $2,500 to open and earn interest, which is top-notch. Although customers get access to online and mobile banking, this account doesn’t offer a debit card. Moreover, there’s a $10 fee for withdrawing more than six times per month.","mmas_pros":"The BanesFlex Money Market account earns a top-notch yield. \r\nCustomers get access to Zelle.","mmas_cons":"Withdrawals are limited to six per month; a $10 fee applies each time customers surpass that limit. \r\nThe account doesn’t come with a debit card.","enable_mmas":1},{"advertiser_id":"9361","advertiser_name":"Bethpage Federal Credit Union","cd_qualifications":null,"cd_expert_take":"Bethpage Federal Credit Union offers a wide array of CDs, with terms ranging from three months to five years. Yields range from solid to high, and there is one bump-up CD option, which allows customers to increase their yield once during the CD’s term. All CDs can be opened with just $50.","cd_pros":"Only $50 is required to open a Bethpage CD. \r\nAll CDs come with solid yields, including one top-notch rate. \r\nThe credit union offers a bump-up CD.","cd_cons":"Some banks and credit unions offer top-notch yields on all CD terms.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Bethpage’s Free Checking account doesn’t charge a monthly maintenance fee nor does it require a minimum balance. What’s more, customers can earn some solid interest on their balance by meeting certain criteria. Just watch out for large overdraft fees of $30 per overdrawn transaction.","checking_pros":"Bethpage doesn’t charge a monthly fee on its Free Checking account.\r\nThere is no minimum balance requirement.\r\nCustomers can earn a solid yield for a checking account.","checking_cons":"Hefty overdraft fees are present.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Bethpage’s savings account comes with a rock-bottom yield. Customers need $5 to open an account and earn interest. The account comes with an ATM card and access to more than 30,000 fee-free ATMs nationwide through the Co-op ATM network.","savings_pros":"The account comes with an ATM card. \r\nOnly $5 is needed to open a Bethpage savings account.","savings_cons":"Bethpage’s savings account earns a very low yield.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Bethpage’s money market account is a tiered account, meaning higher balances earn higher yields. But the account isn’t very competitive, as there are many credit unions that offer higher rates for lower balances. That noted, customers need just $1 to open an account, and at least $500 to start earning a better rate.","mmas_pros":"Bethpage’s money market account is tiered. \r\nThe account offers check-writing privileges.","mmas_cons":"Higher yields for lower balances are easily found elsewhere.","enable_mmas":1},{"advertiser_id":"4986","advertiser_name":"Boeing Employees' Credit Union","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":null,"checking_pros":null,"checking_cons":null,"enable_checking":0,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":0,"mmas_qualifications":null,"mmas_expert_take":"Boeing Employees’ Credit Union offers a money market account that earns a slightly higher yield once you meet a certain balance. Customers who qualify for Member Advantage will earn a higher interest rate, but even then, it’s not very competitive.","mmas_pros":"The money market account doesn’t charge a monthly fee. \r\nThe account is somewhat tiered.","mmas_cons":"Higher yields for lower balances can be found elsewhere.","enable_mmas":1},{"advertiser_id":"11914","advertiser_name":"Charles Schwab","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Charles Schwab’s Bank Investor Checking account comes free of fees and offers unlimited ATM rebates around the globe. To boot, the account even offers a solid interest rate for a checking account.","checking_pros":"The Bank Investor Checking account earns interest. \r\nCustomers get unlimited ATM rebates worldwide. \r\nThe account is mostly fee free, including no monthly or overdraft fees.","checking_cons":"Customers can’t deposit cash into the account.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Charles Schwab’s Bank Investor Savings account offers a paltry APY, which customers earn on any balance. Although the yield leaves much to be desired, the account doesn’t charge a monthly fee nor does it come with a minimum balance requirement. And customers get unlimited ATM fee rebates worldwide.","savings_pros":"The Bank Investor Savings account doesn’t charge a monthly fee or require a minimum balance. \r\nCustomers get unlimited ATM fee rebates.","savings_cons":"Higher yields can be found elsewhere.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"9497","advertiser_name":"Cross River Bank","cd_qualifications":null,"cd_expert_take":"Cross River Bank offers a solid range of CDs, with terms spanning three months to four years. There is a $500 minimum balance requirement, and customers earn a robust yield on all terms.","cd_pros":"All terms earn a high APY.\r\nCustomers need just $500 to open an account.","cd_cons":"Cross River Bank doesn’t offer bump-up or no-penalty CDs. \r\nOther banks offer a wider range of terms.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Cross River Bank’s checking account comes without monthly fees, and customers earn a little bit of interest on any balance.","checking_pros":"Customers earn interest on any balance.","checking_cons":"If you’re primarily interested in an interest-bearing checking account, better options can be found elsewhere.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Cross River Bank’s base I Connect/E Connect Savings account offers a solid yield on all balances. A tiered account is also available, which greatly boosts the APY once customers have reached a certain balance. To earn the top yield, customers will need at least $1 million worth of deposits. Higher yields for lower balances can easily be found at other online banks.","savings_pros":"The base savings account offers a solid yield. \r\nThere is a tiered account that offers more robust APYs.","savings_cons":"Higher yields for lower balances are available elsewhere.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"5590","advertiser_name":"Huntington Bank","cd_qualifications":null,"cd_expert_take":"Huntington Bank offers a wide variety of CDs, ranging from as short as one month to as long as six years. All terms earn a very low yield, even with higher balances. However, Huntington Bank does have a couple of promotional CDs with competitive yields. All CDs, standard and promotional, require a minimum deposit of $1,000.","cd_pros":"Huntington Bank offers a wide array of CD terms. \r\nSome promotional terms earn robust APYs.","cd_cons":"Much higher yields on CDs can be found elsewhere. \r\nHigher balances don’t earn higher yields.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Huntington Bank’s Asterisk-Free Checking account doesn’t require a minimum opening deposit nor does it charge a monthly fee. There is some coverage against overdraft fees, but if you do get hit with a fee, it’ll be $15 per overdrawn transaction. Moreover, Huntington Bank charges a $3 out-of-network ATM fee.","checking_pros":"The Asterisk-Free Checking account is free to open.\r\nThe account comes without a monthly fee.","checking_cons":"There are a host of fees included with this account, including overdraft and out-of-network ATM fees.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Huntington Bank’s Relationship Savings account earns a rock-bottom yield. Customers with a Huntington Checking account can earn higher, albeit still paltry, yields. There’s a $10 monthly fee, unless customers maintain a certain balance or have either a Perks or Platinum Perks checking account.","savings_pros":"Customers earn interest on any balance.","savings_cons":"There’s a monthly fee. \r\nThe base APY is rock-bottom; higher yields are easily found elsewhere. \r\nThere are a host of fees included with this account, including overdraft and out-of-network ATM fees.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"10492","advertiser_name":"North American Savings Bank","cd_qualifications":null,"cd_expert_take":"North American Savings Bank offers a wide range of CD terms. In fact, it’s one of few banks to offer a 10 year CD. The standard terms earn very low yields, but a couple of special CDs offered by the bank come with a very high interest rate. All CDs require a $1,000 minimum deposit to open.","cd_pros":"The special CDs come with very high yields.","cd_cons":"While relatively standard, some banks require a smaller opening deposit amount. \r\nThe vast majority of CDs come with very low yields.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"The North American Savings Bank Advance Checking account is a non-interest bearing account that requires just $100 to open. There’s a $7 monthly fee, but it can be waived if you maintain $100 in the account. Accounts with no activity in the last six months will be charged an $8 inactivity fee.","checking_pros":"The Advanced Checking account can be opened with just $100.","checking_cons":"There’s an $8 inactivity fee. \r\nThough it can be waived, there’s a monthly maintenance fee.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Customers can open a High Rate Savings account from North American Savings Bank with a $1 minimum deposit. The account doesn’t charge a monthly fee. The account’s yield is robust, but drops off considerably after you reach a certain balance.","savings_pros":"There is no monthly maintenance fee. \r\nHigh Rate Savings offers a high yield up to a certain deposit amount.","savings_cons":"Higher balances earn a lower interest rate.\r\nCustomers looking for a consistently high yield should consider a different savings account.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"5551","advertiser_name":"Randolph-Brooks Federal Credit Union","cd_qualifications":null,"cd_expert_take":"RBFCU offers tiered CDs, meaning higher balances earn higher yields. Terms range from six months to seven years. All CDs require at least $1,000 to open. All CDs come with robust yields, but the highest rates can be found on the shorter terms.","cd_pros":"There is a wide range of CD terms to choose from.\r\nAll CDs come with robust yields.","cd_cons":"Some banks require less than $1,000 to open a CD. \r\nThe credit union doesn’t offer specialty CDs.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Randolph-Brooks Federal Credit Union’s Really Free Checking account is true to its name: there’s no monthly fee or minimum deposit requirement. To boot, the account earns some interest on any balance. But while there’s some protection against overdrafts, RBFCU still charges $24 each time it pays for an overdrawn transaction.","checking_pros":"Really Free Checking doesn’t charge a monthly fee. \r\nThe account earns some interest. \r\nCustomers get access to a large ATM network.","checking_cons":"RBFCU still charges a large overdraft fee of $24.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"RBFCU’s savings account — which customers must open to become a member — can be opened with just $1. The account doesn’t charge a monthly fee. But while it's easy to open, the savings account offers a very low yield.","savings_pros":"RBFCU’s savings account can be opened with $1. \r\nThere is no monthly maintenance fee.","savings_cons":"Higher savings account yields can be found elsewhere.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Randolph-Brooks Federal Credit Union’s Choice Money Market Account is a reversed tiered account, meaning customers earn a lower yield on higher balances. Customers will need at least $2,500 to start earning interest, which is relatively low compared to what you can find by shopping around. Deposits over $25,000 earn a much lower interest rate.","mmas_pros":"The Choice Money Market Account doesn’t charge a monthly fee.","mmas_cons":"Higher balances earn lower yields. \r\nCustomers need $2,500 to start earning interest.","enable_mmas":1},{"advertiser_id":"11807","advertiser_name":"The Federal Savings Bank","cd_qualifications":null,"cd_expert_take":"The Federal Savings Bank offers a handful of CDs, with terms ranging from one to five years. The shorter terms tend to offer higher APYs, but all yields are competitive. The downside: customers need $5,000 to open an account.","cd_pros":"The Federal Savings Bank offers competitive yields on its CDs.","cd_cons":"Customers need $5,000 to open a CD. \r\nThere aren’t CD terms shorter than one year.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"The Federal Savings Bank offers an interest-bearing checking account. The yield is minimal, but relatively standard for an interest-bearing checking account. Customers need $100 to open an account and earn interest.","checking_pros":"The Federal Savings Bank’s checking account earns interest.\r\nOnly $100 is needed to open an account.","checking_cons":"Checking accounts with higher yields can be found elsewhere.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"The Federal Savings Bank offers its Consumer Savings account, which customers can open with just $25. The account earns a paltry yield, which can be earned with a minimum balance of $100.","savings_pros":"The Consumer Savings account can be opened with $25.","savings_cons":"Higher-yielding savings accounts can be found elsewhere.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"11923","advertiser_name":"Varo Bank","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Varo Bank’s checking account has no monthly fee or minimum deposit requirements. Customers have fee-free access to more than 40,000 ATMs nationwide. Moreover, customers get access to early direct deposit, and the bank doesn’t charge overdrafts.","checking_pros":"Varo Bank charges few fees. \r\nCustomers get access to a large ATM network and early direct deposit.","checking_cons":"Customers must use a third-party service to deposit cash.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Varo Bank’s savings account earns a very competitive yield up to $5,000. After that, customers earn a lower, albeit still fairly solid, rate. In order to earn interest, customers must receive at least $1,000 in direct deposits each month.","savings_pros":"Varo Bank’s savings account offers a very robust yield.","savings_cons":"Many other online banks offer a high yield on all balances. \r\nCustomers must set up direct deposits in order to earn interest.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"1728","advertiser_name":"American Airlines Federal Credit Union","cd_qualifications":null,"cd_expert_take":"American Airlines Federal Credit Union offers a handful of CDs, with terms ranging from 12 to 60 months. Customers need a relatively standard $1,000 minimum deposit to open a CD. Yields are mostly solid, with one term in particular offering a very high APY. CD ladders are also available, which tend to earn higher yields than opening a single regular CD.","cd_pros":"Most American Airline Federal Credit Union CD yields are solid. \r\nCD ladders as a package deal are available.","cd_cons":"Many banks have lower minimum deposit requirements.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"American Airlines Federal Credit Union offers a wide array of checking accounts. The Priority Checking account comes without monthly fees and minimum balance requirements. The account earns a decent yield for a checking account, but it goes down dramatically on deposit amounts greater than $5,000.","checking_pros":"There’s no monthly fee. \r\nThere’s no minimum balance requirement.","checking_cons":"Deposit amounts greater than $5,000 earn a lower yield.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"American Airlines Federal Credit Union offers a couple of savings accounts. In particular, the Primary Savings Account, which is required to maintain membership, comes with a one-time $1 membership fee and a $5 minimum daily balance. The yield is OK, but higher yields can be found elsewhere.","savings_pros":"There’s no monthly fee. \r\nCustomers need only $1 to open an account.","savings_cons":"Savings accounts with higher yields can be found elsewhere. \r\nThere’s a $5 minimum daily balance requirement.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"2997","advertiser_name":"Apple Bank","cd_qualifications":null,"cd_expert_take":"Apple Bank offers a wide array of CDs, including retirement CDs. Terms range from three months to five years. The annual percentage yields are generally solid, but consumers can find higher options elsewhere. All CDs can open with $1,000.","cd_pros":"Apple Bank offers a wide range of CD terms. \r\nThe $1,000 minimum deposit is relatively standard.","cd_cons":"CDs with higher yields can be found elsewhere.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Apple Bank offers a handful of checking accounts. In particular, the ExtraValue Checking account, which doesn’t charge a monthly fee, can be opened with $100. The account comes with a Visa Debit card, but customers pay $2 for using out-of-network ATMs.","checking_pros":"The ExtraValue Checking account can be opened with just $100. \r\nThere’s no monthly fee or minimum balance requirement.","checking_cons":"There’s a $2 fee for using non-Apple Bank ATMs.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Apple Bank offers a couple of savings accounts. The Simple Savings account is free to open and is largely fee-free, coming without monthly maintenance fees and minimum balance requirements. The account is tiered, meaning higher balances earn higher yields. Customers earn a solid yield starting with just $1, but they earn a more competitive yield once they deposit at least $50,000 into the account.","savings_pros":"The Simple Savings account doesn’t charge a monthly fee. \r\nThe account is free to open as it doesn’t have a minimum deposit requirement.","savings_cons":"At least $50,000 is required to earn the top yield on the Simple Savings account. \r\nThe base yield is solid, but higher rates for lower deposit amounts can be found at other banks.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"Apple Bank offers a handful of money market accounts. The basic money market account can be opened with $100, but customers need at least $2,500 worth of deposits to earn interest, which is a rock-bottom yield.","mmas_pros":"Apple Bank’s base money market account can be opened with $100.","mmas_cons":"Customers need at least $2,500 to earn interest. \r\nMoney market accounts with higher interest rates can be found elsewhere.","enable_mmas":1},{"advertiser_id":"11850","advertiser_name":"Santander Bank","cd_qualifications":null,"cd_expert_take":"Santander Bank CDs must be opened at a branch. There are few options available, but the CDs available, which differ from state to state, offer very competitive yields. Customers need $500 to open a CD.","cd_pros":"Only $500 is needed to open an account, which is less than some banks require. \r\nThe CDs available offer high yields.","cd_cons":"Santander offers few CD options.","enable_cd":0,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Santander Bank offers various checking accounts. Of note, the Simply Right Checking account requires a $25 minimum opening deposit There’s a $10 monthly fee, but it can be waived relatively easily.","checking_pros":"The Simply Right Checking account can be opened with just $25.\r\nThe monthly fee can be waived relatively easily.","checking_cons":"There’s a $10 monthly fee.\r\nThere’s a $3 fee for using out-of-network ATMs. \r\nSantander Bank’s ATM network is small.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"The Santander Savings account can be opened with just $25. There’s a monthly fee, but it only costs $1, and it can be waived relatively easily. The yield is close to rock-bottom, so customers looking for a high-yield account should look elsewhere.","savings_pros":"The monthly fee is only $1, which is easily waived.\r\nThe Santander Savings account requires just $25 to open.","savings_cons":"Savings accounts with higher yields are easily found elsewhere. \r\nThere’s a $3 fee for using out-of-network ATMs. \r\nSantander Bank’s ATM network is small.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"5529","advertiser_name":"SchoolsFirst Federal Credit Union","cd_qualifications":null,"cd_expert_take":"SchoolsFirst Federal Credit Union offers a wide variety of CD terms, ranging from 30 days to five years. Yields range from solid to very competitive, and while customers need just $500 to open a CD, they can earn even higher rates with higher balances. Promotional, IRA and add-on CDs are also available.","cd_pros":"SchoolsFirst offers a wide range of CD types and terms. \r\nMost yields are very competitive.\r\nOnly $500 is needed to open an account.","cd_cons":"Customers need $50,000 to earn the top yield on a standard CD.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"SchoolsFirst Federal Credit Union offers its Free Checking account, which is true to its name as there are no monthly maintenance fees and minimum balance requirements. Customers have fee-free access to more than 30,000 ATMs nationwide via the CO-OP network. The account comes with a debit card and early direct deposit.","checking_pros":"The Free Checking account doesn’t charge a monthly fee. \r\nCustomers get fee-free access to a large ATM network.","checking_cons":"There’s an out-of-network ATM fee.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"The SchoolsFirst Credit Union Share Savings account is automatically opened for customers when they become members. There’s no monthly fee, and customers can make unlimited withdrawals out of the account. Customers need just $5 to open an account, but the account comes with a very low yield.","savings_pros":"The Share Savings account can be opened with just $5. \r\nCustomers can make unlimited withdrawals. \r\nThere’s no monthly fee.","savings_cons":"Other credit unions have savings accounts with higher yields.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":"SchoolsFirst Federal Credit Union’s money market account is tiered, meaning higher balances earn higher yields. However, customers need at least $100,000 in deposits to earn the top yield, which is easily attainable at other banks and credit unions for a lower balance.","mmas_pros":"The Liquid Money Market account doesn’t charge a monthly fee.","mmas_cons":"Withdrawals are limited to six per month. \r\nCustomers need $2,000 to open an account.","enable_mmas":1},{"advertiser_id":"2298","advertiser_name":"Suncoast Credit Union","cd_qualifications":null,"cd_expert_take":"Suncoast Credit Union offers a variety of CD types and terms, giving customers a large range of options to choose from. The standard CDs — which can be opened with $500 — range from six months to five years. Some terms offer solid yields, while others are very competitive.","cd_pros":"Suncoast CDs can be opened with $500. \r\nJumbo CDs are available. \r\nThe Smart Certificate requires just $50 to open.","cd_cons":"Top-notch yields can be found elsewhere.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"The Suncoast Credit Union Smart Checking account doesn’t charge a monthly fee. Customers have fee-free access to more than 30,000 ATMs nationwide via the CO-OP network. The account comes with a debit card. While there’s some overdraft protection, Suncoast Credit Union still charges a rather large paid non-sufficient funds fee and unpaid, returned debit transactions.","checking_pros":"The Smart Checking account doesn’t charge a monthly fee.\r\nCustomers get fee-free access to a large ATM network.","checking_cons":"There’s a $29 non-sufficient funds fee.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"To become a member, customers must open a Suncoast Credit Union Membership Savings account with $5. Although there is no monthly fee, the account comes with a very low yield.","savings_pros":"Just $5 is required to open a Membership Savings account.","savings_cons":"Other credit unions offer savings accounts with higher yields.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"6240","advertiser_name":"Synovus Bank","cd_qualifications":null,"cd_expert_take":"Synovus Bank offers nine CD terms, all requiring a $1,000 minimum deposit. Basic CD information is difficult to find, as customers must call or visit a branch to inquire about rates. That noted, Synovus Bank’s one-year CD offers a very low rate.","cd_pros":"Synovus Bank offers a solid amount of CD terms.\r\nThe $1,000 minimum deposit requirement is relatively standard.","cd_cons":"The one-year CD offers a paltry rate.","enable_cd":1,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Synovus Bank’s Plus Checking account can be opened with $100, and there’s a $10 monthly fee, which some customers may find cumbersome to waive. The account comes with a debit card, which customers can add to their digital wallets via Apple Pay, Google Pay and Samsung Pay.","checking_pros":"The Plus Checking account can be opened with just $100.","checking_cons":"The Plus Checking monthly fee may be hard for some customers to waive.\r\nThere’s a $10 monthly fee.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":"Synovus Bank’s Personal Savings account can be opened with $100. There’s a $5 monthly fee, but it can be waived relatively easily. The account is tiered, meaning higher balances earn higher yields. But the base APY, which customers earn up to $999.99, is a rock-bottom yield. And customers can only withdraw from the account six times per month before being charged a $5 fee for each subsequent withdrawal.","savings_pros":"The Personal Savings account can be opened with $100.\r\nThe monthly fee is relatively easy to waive.","savings_cons":"There’s a six-per-month withdrawal limit; there’s a $5 fee for each withdrawal above that threshold. \r\nThe base APY is very low. \r\nThere’s a monthly fee.","enable_savings":1,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"14082","advertiser_name":"Chase Private Client","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"Customers receive priority service, perks and benefits. Chase Private Client participants also have access to financial planning assistance from J.P. Morgan Wealth Management professionals.","checking_pros":"No fees are charged at non-Chase ATMs. Chase will refund ATM surcharge fees charged by outside networks.\r\nPrivate Client customers have higher daily limits on debit card purchases, ATM withdrawals, and Zelle transfers.","checking_cons":"Customers who don’t meet certain requirements face monthly service fees.\r\nChase Private Client access is by invitation only and typically requires a significant amount of Chase assets to qualify.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":0,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0},{"advertiser_id":"14130","advertiser_name":"KeyBank","cd_qualifications":null,"cd_expert_take":null,"cd_pros":null,"cd_cons":null,"enable_cd":0,"savings_mmas_qualifications":null,"savings_mmas_expert_take":null,"savings_mmas_pros":null,"savings_mmas_cons":null,"enable_savings_mmas":0,"checking_qualifications":null,"checking_expert_take":"KeyBank's Key Smart Checking account features no monthly maintenance fees and no minimum balance requirements. Customers can benefit from free overdraft protection and the ability to set up automatic savings with EasyUp. Account holders can earn a $300 cash bonus when they open a Key Bank Smart Checking account within 60 days of account opening and make one direct deposit of $1,000 or more. This offer expires Dec. 20.","checking_pros":"There are no monthly fees or minimum balance.\r\nKey Bank offers overdraft protection and the EasyUP savings tool.\r\nCustomers have access to no-fee ATMs.","checking_cons":"Fees are charged for using non-KeyBank ATMs.\r\nThe Key Smart Checking account doesn’t earn interest.","enable_checking":1,"savings_qualifications":null,"savings_expert_take":null,"savings_pros":null,"savings_cons":null,"enable_savings":0,"mmas_qualifications":null,"mmas_expert_take":null,"mmas_pros":null,"mmas_cons":null,"enable_mmas":0}],"bankReviews":[{"short_summary":"American Express National Bank is an online bank that offers savings and checking accounts with competitive yields, as well as some CDs that pay above-average rates. The checking account earns rewards for purchases, although it’s only available to those who have had an American Express card for at least three months.","link":"https://https://www.bankrate.com//banking/reviews/american-express-bank/","status":"published","advertiser_id":"6596","name":"American Express Bank","scorecard":{"savings_apy":4,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":3.85,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Capital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.","link":"https://https://www.bankrate.com//banking/reviews/capital-one/","status":"published","advertiser_id":"8351","name":"Capital One","scorecard":{"savings_apy":3.9,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.1,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0.1,"checking_apy_rating":5,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"0","checking_out_of_network_atm_fee_rating":5,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_yes","checking_early_direct_deposit_rating":5,"checking_overdraft_fees":"nsf_fees_none","checking_overdraft_fees_rating":5,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"LendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.","link":"https://https://www.bankrate.com//banking/reviews/lendingclub-bank/","status":"published","advertiser_id":"11844","name":"LendingClub Bank","scorecard":{"savings_apy":5,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4,"cd_apy_term":10,"cd_apy_rating":4,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Citibank is among the world’s largest financial institutions, with well over $1 trillion in assets. It offers a comprehensive selection of banking products. These include its High-Yield Savings account, its Basic Banking Package checking accounts, its CDs and its credit cards. It is also the largest bank to eliminate overdraft fees. Obtaining competitive yields on savings accounts at Citi will depend on where you live and whether you’re eligible for its High-Yield Savings account.\r\n\r\nCiti has more than 2,300 Citi ATMs and 65,000 fee-free ATMs. The bank also has more than 600 branches.","link":"https://https://www.bankrate.com//banking/reviews/citibank/","status":"published","advertiser_id":"10677","name":"Citibank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":15,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"nsf_fees_none","checking_overdraft_fees_rating":5,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"EverBank is an online institution offering deposit accounts with competitive rates and low minimum balances. Customers have access to thousands of fee-free ATMs. While the bank maintains branches, only a limited number are available, mainly in Florida.","link":"https://https://www.bankrate.com//banking/reviews/everbank/","status":"published","advertiser_id":"2468","name":"EverBank","scorecard":{"savings_apy":4.75,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.15,"cd_apy_term":9,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4.3,"mma_apy_rating":5,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Vio Bank is an online-only financial institution serving savers nationwide. The bank consistently offers top-tier rates on their money market account, but those looking for a checking account will need to go with another option.","link":"https://https://www.bankrate.com//banking/reviews/vio-bank/","status":"published","advertiser_id":"10462","name":"Vio Bank","scorecard":{"savings_apy":1.1,"savings_apy_rating":2,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"181_to_270_or_flat_fee","cd_early_withdrawal_penalty_rating":2,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4.9,"mma_apy_rating":5,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":100,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Bank of America is the second-largest financial institution (based on assets) in the country. It’s a digital leader with a global presence and roughly 68 million customers. It offers a wide variety of products for consumers and small businesses.","link":"https://https://www.bankrate.com//banking/reviews/bank-of-america/","status":"published","advertiser_id":"2809","name":"Bank of America","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":500,"savings_min_to_avoid_fees_rating":3,"savings_monthly_fee":8,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":0.03,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":100,"checking_min_deposit_rating":3,"checking_min_to_avoid_fees":1500,"checking_min_to_avoid_fees_rating":2,"checking_monthly_fee":12,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"0.01_to_25","checking_overdraft_fees_rating":4,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"U.S. Bank offers a full range of products and services that include checking and savings accounts, a money market account and CDs. The bank maintains branches in 28 states, and anyone in the U.S. can open accounts online. Higher rates of return can often be found at other financial institutions, however.","link":"https://https://www.bankrate.com//banking/reviews/us-bank/","status":"published","advertiser_id":"11926","name":"U.S. Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"PNC Bank offers a full suite of deposit products, with branches in parts of the Northeast, South and Midwest as well as on the West Coast. While the bank offers competitive rates to customers who live in certain states, those who live elsewhere earn yields below the national average. The bank offers a well-rated mobile app that incorporates tools for money management.\r\n \r\nPNC Bank was named the most trusted bank as part of the 2023 Bankrate Awards, where the best financial products of the year were determined.","link":"https://https://www.bankrate.com//banking/reviews/pnc-bank/","status":"published","advertiser_id":"10554","name":"PNC Bank","scorecard":{"savings_apy":4.15,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":25,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":500,"checking_min_to_avoid_fees_rating":4,"checking_monthly_fee":7,"checking_monthly_fee_rating":3,"checking_fee_to_use_out_of_network_atm":"0","checking_out_of_network_atm_fee_rating":5,"checking_p2p_payments":"zelle_or_apple_pay","checking_p2p_payments_rating":4,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"35_plus","checking_overdraft_fees_rating":2,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Pentagon Federal Credit Union is one of the largest U.S. credit unions, based on assets and membership. It was created to serve members of the armed forces and federal government employees, but now anyone can join. It has members throughout the country. PenFed offers a wide range of CD terms that pay competitive rates, yet higher rates on savings accounts can be found elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/pentagon-federal-credit-union/","status":"published","advertiser_id":"2212","name":"Pentagon Federal Credit Union (PenFed)","scorecard":{}},{"short_summary":"In April 2022, Comenity Direct became Bread Savings. The online-only bank offers a savings account and five terms of CDs with competitive yields. You’ll also find low minimum opening balance requirements, making it easy to open an account.\r\n\r\nConsumers in search of checking and money market accounts or who need access to a branch will want to look elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/bread-savings/","status":"published","advertiser_id":"10629","name":"Bread Savings","scorecard":{"savings_apy":4.75,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.3,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":1500,"cd_min_deposit_rating":3,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Credit One offers jumbo CDs, Savings, and credit cards. 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Most accounts require a small amount to open, and many also feature low or no monthly fees.","link":"https://https://www.bankrate.com//banking/reviews/golden-1-credit-union/","status":"published","advertiser_id":"2324","name":"Golden 1 Credit Union","scorecard":{"savings_apy":0.1,"savings_apy_rating":1,"savings_min_balance":1,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.45,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":1,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":100,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"American Airlines Federal Credit Union offers a range of banking and lending products for its airline industry members.","link":"https://https://www.bankrate.com//banking/reviews/american-airlines-federal-credit-union/","status":"published","advertiser_id":"1728","name":"American Airlines Federal Credit Union","scorecard":{}},{"short_summary":"Valley National Bank is a regional bank that offers consumer deposit products, mortgages and auto loans, investment management and a variety of business products.","link":"https://https://www.bankrate.com//banking/reviews/valley-national-bank/","status":"published","advertiser_id":"10474","name":"Valley National Bank","scorecard":{}},{"short_summary":"Boeing Employees’ Credit Union is one of the largest credit unions in the U.S. It offers members a variety of checking and savings products along with many online banking features. Its accounts come with no monthly fees and other fees are lower than average, though its APYs aren’t the most competitive. Members also get extra benefits, such as ATM refunds and higher rates, when they qualify for the Member Advantage feature.","link":"https://https://www.bankrate.com//banking/reviews/boeing-employees-credit-union/","status":"published","advertiser_id":"4986","name":"Boeing Employees' Credit Union","scorecard":{"savings_apy":0.4,"savings_apy_rating":2,"savings_min_balance":1,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.55,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":1.26,"mma_apy_rating":3,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":1,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Banesco USA is an FDIC-insured institution with headquarters in South Florida.This bank offers everything you’d expect from a large depository institution, from personal checking to money market accounts. While they offer competitive rates for their CDs, Banesco USA’s savings account APYs have fallen behind rising interest rates, making them less attractive than they were just a year ago.","link":"https://https://www.bankrate.com//banking/reviews/banesco-usa-bank/","status":"published","advertiser_id":"10572","name":"Banesco USA Bank","scorecard":{"savings_apy":1.35,"savings_apy_rating":3,"savings_min_balance":300,"savings_min_balance_rating":3,"savings_min_to_avoid_fees":300,"savings_min_to_avoid_fees_rating":4,"savings_monthly_fee":5,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.3,"cd_apy_term":9,"cd_apy_rating":5,"cd_min_deposit":1500,"cd_min_deposit_rating":3,"cd_term_min":3,"cd_term_max":36,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4.5,"mma_apy_rating":5,"mma_min_to_avoid_fees":2500,"mma_min_to_avoid_fees_rating":3,"mma_min_balance":2500,"mma_min_balance_rating":3,"mma_monthly_fee":5,"mma_monthly_fee_rating":4,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Amerant Bank offers a full range of online accounts to residents anywhere in the U.S., and the bank also maintains 16 branches in Florida and seven in Texas. Plenty of free ATMs are available to checking account customers, and minimum balance requirements are generally low. While rates are higher than national averages, better annual percentage yields (APYs) can be found at other banks.","link":"https://https://www.bankrate.com//banking/reviews/amerant-bank/","status":"published","advertiser_id":"10565","name":"Amerant Bank","scorecard":{"savings_apy":0.05,"savings_apy_rating":1,"savings_min_balance":50,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":1,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":5,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.15,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":10000,"cd_min_deposit_rating":2,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":0.01,"mma_apy_rating":1,"mma_min_to_avoid_fees":25000,"mma_min_to_avoid_fees_rating":1,"mma_min_balance":100,"mma_min_balance_rating":5,"mma_monthly_fee":25,"mma_monthly_fee_rating":1,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Santander Bank has branches mainly in the Northeast. Its biggest presence is in Massachusetts, where it has nearly 200 locations.","link":"https://https://www.bankrate.com//banking/reviews/santander-bank/","status":"published","advertiser_id":"11850","name":"Santander Bank","scorecard":{"savings_apy":0.03,"savings_apy_rating":1,"savings_min_balance":25,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":100,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":1,"savings_monthly_fee_rating":4,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.75,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Suncoast Credit Union is Florida’s largest credit union. It offers savings accounts, a checking account, regular and jumbo CDs, a money market account and other banking options to its members.","link":"https://https://www.bankrate.com//banking/reviews/suncoast-credit-union/","status":"published","advertiser_id":"2298","name":"Suncoast Credit Union","scorecard":{}},{"short_summary":"Arvest Bank is a regional bank headquartered in Bentonville, Arkansas, that offers accounts to residents of Arkansas, Kansas, Oklahoma and Missouri. With checking account options and CDs with competitive rates, this bank will appeal to a wide base of customers in the area. Given its local nature, you won’t find in-network ATMs outside of Arvest’s main operating area, and you’ll have to pay a fee to use out-of-network ATMs.","link":"https://https://www.bankrate.com//banking/reviews/arvest-bank/","status":"published","advertiser_id":"5298","name":"Arvest Bank","scorecard":{}},{"short_summary":"Founded in 1953, Umpqua Bank is the largest regional bank in the Pacific Northwest. On March 1, 2023, Umpqua closed a merger to acquire Columbia Bank. Umpqua Bank has more than 300 locations in Oregon, Idaho, Nevada, Washington, California, Arizona, Utah and Colorado.","link":"https://https://www.bankrate.com//banking/reviews/umpqua-bank/","status":"published","advertiser_id":"9750","name":"Umpqua Bank","scorecard":{}},{"short_summary":"Sallie Mae Bank offers competitive APYs on its savings accounts, but it doesn’t offer a checking account.","link":"https://https://www.bankrate.com//banking/reviews/sallie-mae-bank/","status":"published","advertiser_id":"6642","name":"Sallie Mae Bank","scorecard":{"savings_apy":4.2,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.1,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4.2,"mma_apy_rating":5,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Star One Credit Union has been around for more than 60 years and is the largest credit union in Silicon Valley.\r\n\r\nThough Star One branches are limited to the Silicon Valley area, it is part of a network of nearly 6,000 shared branches, which allow members to do their banking at partnered credit union locations. Plus, members get access to around 30,000 fee-free ATMs through the CO-OP network. \r\n\r\nStar One’s checking accounts are standouts. They earn interest, there are no monthly fees and two of the checking accounts offer ATM surcharge refunds. On the other hand, Star One’s CD selection is limited, and it doesn’t offer the most competitive money market account rate.","link":"https://https://www.bankrate.com//banking/reviews/star-one-credit-union/","status":"published","advertiser_id":"5570","name":"Star One Credit Union","scorecard":{"savings_apy":3.25,"savings_apy_rating":4,"savings_min_balance":5,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"n_a","savings_access_to_funds_rating":0,"savings_enabled":false,"cd_apy":3.75,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":6,"cd_term_max":24,"cd_term_rating":2,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":3.25,"mma_apy_rating":4,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":50,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Provident Bank has a sizable branch presence in New Jersey, a few locations in Pennsylvania and one in New York. It offers numerous checking accounts, savings accounts and certificates of deposit options to appeal to a wide base of customers. That said, most of Provident Bank’s deposit accounts offer paltry APYs; you can easily find better rates elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/provident-bank/","status":"published","advertiser_id":"6514","name":"Provident Bank","scorecard":{}},{"short_summary":"Ridgewood Savings Bank offers the personal attention of a community bank combined with an impressive lineup of digital banking tools and services. Customers have access to competitive savings rates and an extensive network of 90,000 surcharge-free ATMs worldwide in the Allpoint and MoneyPass networks. While there are competitive yields on the bank’s savings account and CDs, the yield offered on its money market account is low.","link":"https://https://www.bankrate.com//banking/reviews/ridgewood-savings-bank/","status":"published","advertiser_id":"9409","name":"Ridgewood Savings Bank","scorecard":{}},{"short_summary":"New York-based Apple Bank is known for offering competitive yields. It has about 80 locations in the New York City area.","link":"https://https://www.bankrate.com//banking/reviews/apple-bank/","status":"published","advertiser_id":"2997","name":"Apple Bank","scorecard":{}},{"short_summary":"Patelco Credit Union is a full-service credit union serving members in Northern California. From investing and insurance to credit cards and savings, Patelco offers all the products you’d want to consolidate your banking in one place. Patelco offers stellar APYs on most of its share certificates and provides fee-free checking and money market accounts. But the yields for its savings account are extremely low, dimming the appeal of bringing all of your banking under Patelco’s roof.","link":"https://https://www.bankrate.com//banking/reviews/patelco-credit-union/","status":"published","advertiser_id":"5532","name":"Patelco Credit Union","scorecard":{}},{"short_summary":"KeyBank is a regional bank that offers deposit accounts to residents of the 15 states where it maintains branches. Customers have access to more than 1,000 branches and 40,000 fee-free ATMs. Checking, savings and money market accounts are available, as well as a wide range of certificate of deposit (CD) terms. But overall, you’ll need to look elsewhere to find competitive rates.","link":"https://https://www.bankrate.com//banking/reviews/key-bank/","status":"published","advertiser_id":"2087","name":"KeyBank","scorecard":{}},{"short_summary":"Randolph-Brooks Federal Credit Union is one of America’s best credit unions and one of the largest in the state of Texas.","link":"https://https://www.bankrate.com//banking/reviews/randolph-brooks-federal-credit-union/","status":"published","advertiser_id":"5551","name":"Randolph-Brooks Federal Credit Union","scorecard":{"savings_apy":0.3,"savings_apy_rating":2,"savings_min_balance":1,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.95,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":1.82,"mma_apy_rating":3,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":2500,"mma_min_balance_rating":3,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Established in 1888, Synovus is a full-service bank that offers deposit products, loans and financial planning and investing services. Most of the bank’s accounts require low minimum deposits and the checking account is free, but rates are much lower than what other banks are offering.","link":"https://https://www.bankrate.com//banking/reviews/synovus-bank/","status":"published","advertiser_id":"6240","name":"Synovus Bank","scorecard":{}},{"short_summary":"Emigrant Bank is a federally insured regional bank with two branch offices, one in Manhattan and one in Ossining, New York. Its deposit accounts generally pay rates above national averages, although significantly higher yields can be found elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/emigrant-bank/","status":"published","advertiser_id":"8624","name":"Emigrant Bank","scorecard":{}},{"short_summary":"VyStar Credit Union is one of the largest credit unions in Florida, offering various deposit accounts and services to hundreds of thousands of members. Its accounts don’t charge monthly service fees or have minimum balance requirements, although better yields can often be found at other financial institutions.","link":"https://https://www.bankrate.com//banking/reviews/vystar-credit-union/","status":"published","advertiser_id":"3250","name":"VyStar Credit Union","scorecard":{}},{"short_summary":"Transportation Alliance Bank is mostly an online bank that offers deposit accounts for individuals and businesses, as well as commercial loans.","link":"https://https://www.bankrate.com//banking/reviews/transportation-alliance-bank/","status":"published","advertiser_id":"10586","name":"TAB Bank","scorecard":{"savings_apy":4.52,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.25,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":25,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Cross River Bank offers checking, money market and savings accounts as well as CDs. Consumers may find the highly-localized nature of this bank is a deal breaker, but consumers in the New York City and New Jersey area looking for great rates on deposit products may find it’s a good fit.","link":"https://https://www.bankrate.com//banking/reviews/cross-river-bank/","status":"published","advertiser_id":"9497","name":"Cross River Bank","scorecard":{}},{"short_summary":"The Federal Savings Bank specializes in mortgages for homebuyers but also offers deposit products and personal loans. The bank offers savers options to earn interest on everyday bank accounts like checking and savings.","link":"https://https://www.bankrate.com//banking/reviews/the-federal-savings-bank/","status":"published","advertiser_id":"11807","name":"The Federal Savings Bank","scorecard":{}},{"short_summary":"CFG Bank is a community bank that maintains three branches in Maryland, and some of its accounts can be opened online. It offers a full range of deposit products, including CDs and a money market account that earn top-tier rates. Its free checking account allows customers to use more than 40,000 fee-free ATMs nationwide, though it can only be opened at a branch. Account holders can perform transactions online or through the highly-rated mobile app.\r\n\r\nWhile APYs are competitive for the bank’s CDs and money market accounts, the APY for its savings account is less so.","link":"https://https://www.bankrate.com//banking/reviews/cfg-bank/","status":"published","advertiser_id":"10529","name":"CFG Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":false,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4.65,"mma_apy_rating":5,"mma_min_to_avoid_fees":1000,"mma_min_to_avoid_fees_rating":4,"mma_min_balance":1000,"mma_min_balance_rating":4,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"NBKC offers competitive rates on deposit accounts for business and personal customers.","link":"https://https://www.bankrate.com//banking/reviews/nbkc-bank/","status":"published","advertiser_id":"2162","name":"NBKC Bank","scorecard":{}},{"short_summary":"Northpointe Bank is a Grand Rapids, Michigan-based bank offering a full selection of deposit products, including both free and interest-bearing checking accounts. The bank doesn’t charge monthly service fees for its accounts, and it reimburses some ATM surcharges assessed by other banks. The savings and money market accounts pay competitive rates on some balance tiers, although significantly higher certificate of deposit (CD) yields can be found at other banks.","link":"https://https://www.bankrate.com//banking/reviews/northpointe-bank/","status":"published","advertiser_id":"9664","name":"Northpointe Bank","scorecard":{"savings_apy":3.25,"savings_apy_rating":4,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":3.25,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":3.25,"mma_apy_rating":4,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":2500,"mma_min_balance_rating":3,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Texas Capital Bank is a commercial bank based in Dallas that offers consumer deposit products, credit cards and personal loans. A regional institution, Texas Capital offers competitive APYs on their CDs and savings accounts, though its money market and checking accounts are a tad lackluster, offering paltry interest rates compared to top-performing banks. While the bank is primarily headquartered in Texas, customers can get access to their money without fees using Allpoint ATMs scattered across the country.","link":"https://https://www.bankrate.com//banking/reviews/texas-capital-bank/","status":"published","advertiser_id":"3205","name":"Texas Capital Bank","scorecard":{}},{"short_summary":"Bank5 Connect offers a savings account, checking account and CDs with above-average yields and low minimum balance requirements.","link":"https://https://www.bankrate.com//banking/reviews/bank5-connect/","status":"published","advertiser_id":"6498","name":"Bank5 Connect","scorecard":{"savings_apy":1.5,"savings_apy_rating":3,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":36,"cd_term_rating":2,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Alliant Credit Union offers deposit accounts with competitive APYs and minimal fees. This Chicago-based credit union is insured by the National Credit Union Administration (NCUA) and offers a highly rated mobile app as well as access to a wide network of surcharge-free ATMs.","link":"https://https://www.bankrate.com//banking/reviews/alliant-credit-union/","status":"published","advertiser_id":"11768","name":"Alliant Credit Union","scorecard":{"savings_apy":3.1,"savings_apy_rating":4,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Merrick Bank is an online bank that offers some of the best CD rates nationwide, but it doesn’t offer other deposit products. 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The bank maintains more than 500 branches, and many of its deposit accounts can also be opened online. While the bank offers a full suite of banking and loan products, yields on some of its deposit products are below average.","link":"https://https://www.bankrate.com//banking/reviews/bmo/","status":"published","advertiser_id":"10621","name":"BMO","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":true,"cd_apy":4,"cd_apy_term":13,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":25,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"0.01_to_25","checking_overdraft_fees_rating":4,"checking_nsf_fees":"0.01_to_25","checking_nsf_fees_rating":4,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Fifth Third Bank is a regional financial institution with customers in 12 states and nearly 1,100 branches. It offers multiple checking and savings accounts, a money market account and a wide range of CD terms.","link":"https://https://www.bankrate.com//banking/reviews/fifth-third-bank/","status":"published","advertiser_id":"10528","name":"Fifth Third Bank","scorecard":{}},{"short_summary":"Customers Bank offers a wide array of deposit products, but the affordability of those accounts and the strength of those yields are inconsistent. Moreover, the bank is highly localized with only a handful of branches across three states. Customers looking for a large branch network should look elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/customers-bank/","status":"published","advertiser_id":"10455","name":"Customers Bank","scorecard":{"savings_apy":4.73,"savings_apy_rating":5,"savings_min_balance":25000,"savings_min_balance_rating":1,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.15,"cd_apy_term":24,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":24,"cd_term_max":36,"cd_term_rating":2,"cd_early_withdrawal_penalty":"271_to_365_or_flat_fee","cd_early_withdrawal_penalty_rating":1,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Quorum Federal Credit Union offers online accounts to members nationwide. While it doesn’t maintain branches of its own, members can bank in person at more than 5,000 branches run by partnering credit unions. Quorum’s deposit account yields are well above the national average, yet higher rates of return can be found at various other financial institutions.","link":"https://https://www.bankrate.com//banking/reviews/quorum-federal-credit-union/","status":"published","advertiser_id":"11921","name":"Quorum Federal Credit Union","scorecard":{"savings_apy":4,"savings_apy_rating":4,"savings_min_balance":1,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":10,"savings_monthly_fee_rating":1,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":2.6,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"181_to_270_or_flat_fee","cd_early_withdrawal_penalty_rating":2,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Third Federal Savings \u0026 Loan Association is a Cleveland-based financial institution that operates primarily in Ohio and Florida. \r\n\r\nThird Federal offers a large swath of CDs to select from in addition to other traditional deposit products, including checking, savings and money market accounts. While APYs for its CDs are competitive, the bank falls behind the curve when it comes to APYs on its savings and money market account.","link":"https://https://www.bankrate.com//banking/reviews/third-federal-savings-and-loan-association/","status":"published","advertiser_id":"2336","name":"Third Federal Savings \u0026 Loan Association of Cleveland","scorecard":{}},{"short_summary":"Axos Bank is an online bank that offers a full range of deposit accounts. Its checking account stands out for its unlimited domestic ATM reimbursements and its lack of fees, yet its savings account earns rates that are lackluster.","link":"https://https://www.bankrate.com//banking/reviews/axos-bank/","status":"published","advertiser_id":"10324","name":"Axos Bank","scorecard":{"savings_apy":4.86,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":0.2,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.25,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":1000,"mma_min_balance_rating":4,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":0.51,"checking_apy_rating":5,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":0,"checking_p2p_payments":null,"checking_p2p_payments_rating":0,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":0,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":0,"checking_nsf_fees":null,"checking_nsf_fees_rating":0,"checking_atm_network":null,"checking_atm_network_rating":0,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"CIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs.\r\n\r\nCIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.","link":"https://https://www.bankrate.com//banking/reviews/cit-bank/","status":"published","advertiser_id":"7821","name":"CIT Bank","scorecard":{"savings_apy":4.55,"savings_apy_rating":5,"savings_min_balance":5000,"savings_min_balance_rating":2,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":0.3,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":1.55,"mma_apy_rating":3,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":100,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Citizens Bank offers a large range of banking services that will appeal to a multitude of customers. From savings and checking accounts to credit cards and home loans, Citizens Bank can be a one-stop shop for customers looking to save and borrow. The bank has a sizable branch presence in the New England, Mid-Atlantic and Midwest regions. 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All of its deposit accounts are insured up to $250,000 through the National Credit Union Administration.","link":"https://https://www.bankrate.com//banking/reviews/bethpage-federal-credit-union/","status":"published","advertiser_id":"9361","name":"Bethpage Federal Credit Union","scorecard":{"savings_apy":0.1,"savings_apy_rating":1,"savings_min_balance":5,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":50,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.6,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":500,"mma_min_balance_rating":4,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Barclays is a London-based multinational financial-services giant with global reach. 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Customers can’t open accounts online, so this regional bank is best suited for those in the Sandy, Utah area, which you must visit to open an account. 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It is a division of Citizens Bank. Citizens Access offers a competitive yield on its savings account and its CDs. Its savings account only requires 1 cent to open the account. Its five terms of CDs require a $5,000 minimum deposit.","link":"https://https://www.bankrate.com//banking/reviews/citizens-access/","status":"published","advertiser_id":"10454","name":"Citizens Access","scorecard":{"savings_apy":3.9,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":5000,"cd_min_deposit_rating":3,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"The Huntington National Bank offers consumer-friendly products and a network of more than 1,000 branches mostly in the Midwest and South. A no-frills free checking account is available, yet yields on savings accounts and CDs are comparatively low.","link":"https://https://www.bankrate.com//banking/reviews/huntington-bank/","status":"published","advertiser_id":"5590","name":"Huntington Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":true,"cd_apy":0.5,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"3.01_plus","checking_out_of_network_atm_fee_rating":2,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_yes","checking_early_direct_deposit_rating":5,"checking_overdraft_fees":"0.01_to_25","checking_overdraft_fees_rating":4,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"M\u0026T Bank has its headquarters in Buffalo, New York, and is the 16th largest bank in the U.S. based on assets. It maintains more than 1,000 branches in 14 Eastern states as well as the District of Columbia. The bank’s CDs earn rates that are well above average, while the savings account earns a rock-bottom yield.","link":"https://https://www.bankrate.com//banking/reviews/m-t-bank/","status":"published","advertiser_id":"10690","name":"M\u0026T Bank","scorecard":{}},{"short_summary":"SoFi Bank offers a competitive yield for checking and savings customers who have a qualifying direct deposit with SoFi. But customers will need to open both a checking and savings account to bank with SoFi and will have to use direct deposit to earn the top APY.","link":"https://https://www.bankrate.com//banking/reviews/sofi-bank/","status":"published","advertiser_id":"11835","name":"SoFi","scorecard":{"savings_apy":4.3,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":false,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0.5,"checking_apy_rating":5,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"0","checking_out_of_network_atm_fee_rating":5,"checking_p2p_payments":"zelle_or_apple_pay","checking_p2p_payments_rating":4,"checking_early_direct_deposit":"edp_yes","checking_early_direct_deposit_rating":5,"checking_overdraft_fees":"nsf_fees_none","checking_overdraft_fees_rating":5,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Security Service Federal Credit Union has many different deposit accounts and certificate terms. Its checking account is unique, offering built-in identity theft protection and above-average interest rates. The credit union also offers several share certificate terms as well as high promotional rates on share certificates. However, the other account types are mediocre in terms of APYs and features.","link":"https://https://www.bankrate.com//banking/reviews/security-service-federal-credit-union/","status":"published","advertiser_id":"2266","name":"Security Service Federal Credit Union","scorecard":{"savings_apy":0.05,"savings_apy_rating":1,"savings_min_balance":5,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":100,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":3,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":2.15,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.1,"mma_apy_rating":1,"mma_min_to_avoid_fees":1000,"mma_min_to_avoid_fees_rating":4,"mma_min_balance":1000,"mma_min_balance_rating":4,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Webster Bank is a regional bank with locations primarily from Massachusetts to New York. It offers checking accounts, savings accounts, CDs, health savings accounts (HSAs) and lending products. Webster Financial Corporation and Sterling Bancorp completed its merger in February 2022.\r\n\r\nThe bank is great for those 21 or under or 65 or over who would like a free savings account, with the Webster Value Savings account. But the bank's yields are generally very low.","link":"https://https://www.bankrate.com//banking/reviews/webster-bank/","status":"published","advertiser_id":"5372","name":"Webster","scorecard":{}},{"short_summary":"First Citizens Bank originated more than 120 years ago and maintains branches in 23 states. The bank offers a free checking account as well as two that pay interest. While the minimum deposit required to open some accounts is low, higher yields can be found elsewhere on savings accounts, money market accounts and CDs.","link":"https://https://www.bankrate.com//banking/reviews/first-citizens-bank/","status":"published","advertiser_id":"6320","name":"First Citizens","scorecard":{"savings_apy":0.1,"savings_apy_rating":1,"savings_min_balance":50,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":0.01,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.05,"mma_apy_rating":1,"mma_min_to_avoid_fees":1000,"mma_min_to_avoid_fees_rating":4,"mma_min_balance":500,"mma_min_balance_rating":4,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":50,"checking_min_deposit_rating":4,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"0.01_to_2.00","checking_out_of_network_atm_fee_rating":4,"checking_p2p_payments":"zelle_or_apple_pay","checking_p2p_payments_rating":4,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"25.01_to_35","checking_overdraft_fees_rating":3,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"200_to_999","checking_atm_network_rating":4,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Serving residents throughout the Southern and Midwestern U.S., Regions Bank offers all types of deposit accounts, and customers get rewarded for loyalty, such as by earning a higher CD rate when they have a checking account with the bank. The rates on Regions Bank’s products are low overall, though. There are also high minimum balance requirements to waive the monthly fee on money market and checking accounts.","link":"https://https://www.bankrate.com//banking/reviews/regions-bank/","status":"published","advertiser_id":"2244","name":"Regions","scorecard":{}},{"short_summary":"Charles Schwab Bank is ideal for consumers looking for fee-free access to ATMs all over the world, as well as a checking account that pays some interest. The federally insured bank also offers a savings account, and it’s a convenient choice for anyone who wishes to keep their investment and bank accounts all in the same place.","link":"https://https://www.bankrate.com//banking/reviews/charles-schwab-bank/","status":"published","advertiser_id":"11914","name":"Charles Schwab","scorecard":{"savings_apy":0.15,"savings_apy_rating":1,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":false,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Comerica Bank offers a full suite of deposit products. While there are many types of accounts available, they tend to have low yields and high monthly fees. However, there are ways to waive the monthly fees on each account.","link":"https://https://www.bankrate.com//banking/reviews/comerica-bank/","status":"published","advertiser_id":"1871","name":"Comerica","scorecard":{}},{"short_summary":"Members of America First Credit Union maintain membership by opening a savings account and keeping at least $1 in the account. They also have access to a full suite of deposit products, mobile banking services, loans, credit cards and more. There are minimal fees associated with the credit union’s deposit accounts. Rates on CDs are competitive, but they are less so for share savings and money market accounts.","link":"https://https://www.bankrate.com//banking/reviews/america-first-credit-union/","status":"published","advertiser_id":"5291","name":"America First Credit Union","scorecard":{"savings_apy":0.05,"savings_apy_rating":1,"savings_min_balance":1,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.6,"cd_apy_term":9,"cd_apy_rating":5,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":1.3,"mma_apy_rating":3,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":1,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"MySavingsDirect is an online bank that’s a division of New York-based Emigrant Bank, which has been in operation since 1850. Its savings account pays a highly competitive rate, so it may be well suited for anyone comfortable banking entirely online. The bank also offers CDs, yet no money market or checking accounts are available.","link":"https://https://www.bankrate.com//banking/reviews/mysavingsdirect-bank/","status":"published","advertiser_id":"10501","name":"MySavingsDirect","scorecard":{}},{"short_summary":"Bank of the West is a larger regional bank with most of its branches operating in the Western and Midwestern U.S. It offers a range of deposit products, and it has strict environmental policies that ensure that all the bank’s activity is environmentally sustainable. Many of the bank’s monthly service fees are easy to waive, and there is no minimum required to open a checking account. However, rates are very low.\r\n\r\nBMO Harris announced that it formally acquired Bank of the West as of February 2023, though accounts remain the same for now. The bank expects to begin converting Bank of the West accounts to BMO Harris accounts later this year.","link":"https://https://www.bankrate.com//banking/reviews/bank-of-the-west/","status":"published","advertiser_id":"3868","name":"Bank of the West","scorecard":{}},{"short_summary":"State Employees’ Credit Union offers all of the standard deposit accounts, including share certificates, savings, checking and money market accounts. APYs on these products are not very competitive, but they charge minimal fees and have low minimum opening deposit requirements.\r\n\r\nThough members don’t necessarily have to live in North Carolina, they do need to have a connection to the state through their employment. Plus, branches and fee-free ATMs are limited to North Carolina.","link":"https://https://www.bankrate.com//banking/reviews/state-employees-credit-union/","status":"published","advertiser_id":"6071","name":"State Employees’ Credit Union","scorecard":{}},{"short_summary":"Zions Bank operates in Utah, Idaho and Wyoming, with online and mobile banking options as well. Its banking products include 10 CD terms, several savings accounts, money market accounts and checking accounts. Most accounts have no monthly fee, or offer ways that the monthly fee can be waived. However, rates overall are mediocre.\r\n\r\nThe bank’s ATM network is limited to Utah and Idaho. Otherwise, customers have to pay $2.50 per transaction to access their cash.","link":"https://https://www.bankrate.com//banking/reviews/zions-bank/","status":"published","advertiser_id":"5358","name":"Zions Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":true,"cd_apy":2.69,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.5,"mma_apy_rating":2,"mma_min_to_avoid_fees":1000,"mma_min_to_avoid_fees_rating":4,"mma_min_balance":1000,"mma_min_balance_rating":4,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":50,"checking_min_deposit_rating":4,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"25.01_to_35","checking_overdraft_fees_rating":3,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"n_a","checking_atm_network_rating":1,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"East West Bank is a California-based institution with a large ATM network, so even if you don’t live on the West Coast, you’ll have easy and free access to your money. However, customers looking to grow their savings won’t find much help here, as rates at East West Bank are well below the national average.","link":"https://https://www.bankrate.com//banking/reviews/east-west-bank/","status":"published","advertiser_id":"5923","name":"East West Bank","scorecard":{}},{"short_summary":"Colorado Federal Savings Bank has a small range of deposit products to choose from; only certificates of deposits and two savings accounts are available. The APYs offered for these accounts are competitive, but high minimum balance requirements may be a deal breaker for some customers. Moreover, without a mobile app, access to ATMs or common online banking functionalities available at other institutions, savers must be comfortable with banking solely through Colorado Federal Savings’ website.","link":"https://https://www.bankrate.com//banking/reviews/colorado-federal-savings-bank/","status":"published","advertiser_id":"6413","name":"Colorado Federal Savings Bank","scorecard":{}},{"short_summary":"First Tech Federal Credit Union offers a large swath of financial services, ranging from traditional deposit products like savings and checking accounts to credit cards and home loans. Though the APYs for the credit union’s share certificates are competitive, the yields for most of its savings and checking accounts leave much to be desired.","link":"https://https://www.bankrate.com//banking/reviews/first-tech-federal-credit-union/","status":"published","advertiser_id":"5447","name":"First Tech Federal Credit Union","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":5,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.6,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":0.25,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":25,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"n_a","mma_debit_atm_access_rating":0,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":null,"link":"https://https://www.bankrate.com//banking/reviews/mountain-america-credit-union/","status":"published","advertiser_id":"5505","name":"Mountain America Credit Union","scorecard":{}},{"short_summary":"Associated Bank offers a regional banking experience for customers in the Midwest. Although its branches are limited to just three states, Associated’s large ATM network extends its banking footprint past the Midwest, where the bank mainly operates. Interest rates are low for Associated Bank’s CDs, savings and money market accounts, and various fees apply, but they offer stellar checking accounts that make digital banking easy.","link":"https://https://www.bankrate.com//banking/reviews/associated-bank/","status":"published","advertiser_id":"5299","name":"Associated Bank","scorecard":{}},{"short_summary":"With more than 200 branches and low minimum deposit requirements, Glacier Bank’s large range of deposit products are easy to open and will fit many customer needs. However, most of its accounts offer very low APYs, falling well short of the competition. 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It offers just one savings account. It’s best for customers who are comfortable solely banking online, as the bank doesn’t have branches or ATM access.","link":"https://https://www.bankrate.com//banking/reviews/jenius-bank/","status":"published","advertiser_id":"12004","name":"Jenius Bank","scorecard":{"savings_apy":4.8,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"standard_transfers","savings_access_to_funds_rating":2,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":false,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Laurel Road is a fintech company offering a variety of financial products and services, including home and personal loans, credit cards and a handful of deposit accounts. 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However, deposits across these banks are not insured separately, so if you open an account at both of these banks, you’ll have just one insurance pool (up to $250,000) to draw 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id="top-banks-cd-rates" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two"> Bankrate's picks for the top 3-year CD rates </h2> </div> <div class="wysiwyg display-block w-full"> <p><em>Note: Annual percentage yields (APYs) shown were updated between Nov. 17, 2024 and Nov. 23, 2024. Bankrate's editorial team validates this information regularly, typically biweekly. APYs may have changed since they were last updated and may vary by region for some products. Bankrate includes only FDIC banks or NCUA credit unions in its listings.</em></p></div> <div class="wealth-dynamic-rate-block"> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://media.brstatic.com/2020/05/13172133/Schools-First-logo-resized.jpg?auto=webp&fit=&width=200&format=pjpg" alt="SchoolsFirst Federal Credit Union_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/schoolsfirst-federal-credit-union/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">SchoolsFirst Federal Credit Union</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.5</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate savings score</span> <div id="t9269144c-216b-4039-a27c-5f62bef154c1" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="t9269144c-216b-4039-a27c-5f62bef154c1" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>4.20%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$500</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why SchoolsFirst Federal Credit Union?</h4> <p class="trsy-mb-0">SchoolsFirst serves the education community in California. Certain school employees, certain retired school employees and immediate family members of SchoolsFirst Federal Credit Union members are eligible to join. SchoolsFirst offers CDs ranging from 30 days to five years. To open a CD, a $500 minimum deposit is required. If you put in more money you may be rewarded with a higher APY, as SchoolsFirst has five rate tiers: $500, $20,000, $50,000, $100,000 and $250,000.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://a.storyblok.com/f/102997/396x127/184cb1c225/americafirstlogo.png?auto=webp&fit=&width=200&format=pjpg" alt="America First Credit Union_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/america-first-credit-union/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">America First Credit Union</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">5.0</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate savings score</span> <div id="t46b30183-2bdf-4c48-acf7-e559fcb3b909" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="t46b30183-2bdf-4c48-acf7-e559fcb3b909" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>4.15%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$500</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why America First Credit Union?</h4> <p class="trsy-mb-0">America First Credit Union was founded in 1939 in Salt Lake City. It has CDs with terms ranging from three months to five years. The minimum opening deposit for CDs is $500. It also offers a variety of checking and savings accounts.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/1966_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="First Internet Bank of Indiana_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/first-internet-bank-of-indiana/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">First Internet Bank of Indiana</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.6 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 57%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.6</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate savings score</span> <div id="t2bd7bd48-34c8-46b4-952d-d02fe493c930" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.6/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="t2bd7bd48-34c8-46b4-952d-d02fe493c930" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.77%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$1,000</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why First Internet Bank of Indiana?</h4> <p class="trsy-mb-0">First Internet Bank of Indiana is an FDIC-insured financial institution that operates online and has no branches. It opened in 1999 and offers products in all 50 states. First Internet Bank offers eight terms of CDs, a money market savings account with a competitive yield, a savings account and two checking accounts.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/8289_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Synchrony Bank_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/synchrony-bank/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Synchrony Bank</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.5</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate savings score</span> <div id="t4174d821-802c-419b-9d6c-18c6ba991eac" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="t4174d821-802c-419b-9d6c-18c6ba991eac" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.75%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$0</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Synchrony Bank?</h4> <p class="trsy-mb-0">Synchrony Bank offers competitive CD yields across nine terms, including five terms that are less than two years. An 11-month no-penalty CD and a two-year bump-up CD are also available. The bank also offers a savings account and a money market account. The savings account features a competitive APY and has no minimum balance requirement.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.bankrate.com/2020/11/20144446/logo-limelight-bank.png?auto=webp&fit=&width=200&format=pjpg" alt="Limelight Bank_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/limelight-bank/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Limelight Bank</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.4 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 43%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.4</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate savings score</span> <div id="t7fde8a67-9dec-4e4f-a086-1571fdd04d0c" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.4/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="t7fde8a67-9dec-4e4f-a086-1571fdd04d0c" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.75%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$1,000</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Limelight Bank?</h4> <p class="trsy-mb-0">Limelight Bank is an online-only bank that’s a division of Capital Community Bank. It’s known for supporting eco-friendly causes such as solar initiatives. The bank offers four CD terms ranging from six months to three years. A minimum deposit of $1,000 is required. Limelight doesn’t offer any types of bank accounts other than CDs.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://media.brstatic.com/2020/01/13164406/Randolph-Brooks-Federal-Credit-Union-logo_400x150.png?auto=webp&fit=&width=200&format=pjpg" alt="Randolph-Brooks Federal Credit Union_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/randolph-brooks-federal-credit-union/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Randolph-Brooks Federal Credit Union</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.3 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 36%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.3</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate savings score</span> <div id="t8cd0150a-58b2-49c8-9c58-64fd393a55dc" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.3/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="t8cd0150a-58b2-49c8-9c58-64fd393a55dc" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.71%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$1,000</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Randolph-Brooks Federal Credit Union?</h4> <p class="trsy-mb-0">Randolph-Brooks Federal Credit Union is headquartered in Live Oak, Texas, and operates more than 60 branches serving four major markets in the state: Austin, Corpus Christi, Dallas-Fort Worth and San Antonio. It has more than 1 million members. Randolph-Brooks Federal Credit Union has CDs with terms ranging from six months to seven years. It also offers a Really Free Checking account that requires no minimum balance and charges no monthly fee.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/9904_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Marcus by Goldman Sachs_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/marcus/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Marcus by Goldman Sachs</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.5</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate savings score</span> <div id="t15b660f6-817d-48e8-8752-d2e345caee13" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="t15b660f6-817d-48e8-8752-d2e345caee13" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.65%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$500</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Marcus by Goldman Sachs?</h4> <p class="trsy-mb-0">Marcus by Goldman Sachs is an online bank known for offering CDs and a savings account. It also used to be known for its personal loans, but it no longer offers those. Not many banks can match the number of CDs that Marcus offers. It has nine terms of regular CDs — ranging from six months to six years — three no-penalty CDs and a rate bump CD. All of these CDs have a $500 minimum deposit requirement.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/11768_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Alliant Credit Union_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/alliant-credit-union/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Alliant Credit Union</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.7 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 64%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.7</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate savings score</span> <div id="t8ec194a0-152e-47e3-b634-d374d8c38df9" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.7/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="t8ec194a0-152e-47e3-b634-d374d8c38df9" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.65%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$1,000</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Alliant Credit Union?</h4> <p class="trsy-mb-0">Alliant Credit Union was founded in 1935 as the United Airlines Employees’ Credit Union. It is one of the largest credit unions in the nation and has 800,000 members nationwide. Alliant offers eight terms of CDs with competitive APYs and a reasonable minimum deposit requirement. It also offers IRA CDs, a high-yield savings account and a high-yield checking account.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/8351_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Capital One_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/capital-one/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Capital One</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.5</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate savings score</span> <div id="t78b1741a-a882-4f17-a980-67654bb02651" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="t78b1741a-a882-4f17-a980-67654bb02651" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.60%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$0</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Capital One?</h4> <p class="trsy-mb-0">Capital One is an online bank that also has a brick-and-mortar presence, with around 300 branches and about 50 Capital One cafes. It offers nine competitive terms of regular CDs. Capital One CDs and its 360 Performance Savings account don’t have minimum balance requirements. Capital One is based in McLean, Virginia.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://media.brstatic.com/2020/03/24165716/TAB-bank-review-logo.png?auto=webp&fit=&width=200&format=pjpg" alt="TAB Bank_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/transportation-alliance-bank/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">TAB Bank</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#EFC138 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.5</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate savings score</span> <div id="t67958567-3b47-4fcb-a8b4-64261ac60d84" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="t67958567-3b47-4fcb-a8b4-64261ac60d84" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.60%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$1,000</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why TAB Bank?</h4> <p class="trsy-mb-0">TAB Bank was established in 1998 in Ogden, Utah, as a banking service inside truck stops. TAB (Transportation Alliance Bank) serves businesses and individual customers. It offers several checking accounts, a savings account, a money market account and CDs in six terms, from 12 months to five years.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> </div> <div data-campaign="br-cds-static" data-ad-id="0db50183-dbc4-4ed4-aafc-a5bf1bb56449"class="myFinance-widget"></div> </div> <div id="what-is-3-year-cd" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two"> What is a 3-year CD? </h2> </div> <div class="wysiwyg display-block w-full"> <p>A three-year CD is a deposit account in which you agree to keep the money in the account for three years. Yields on three-year CDs are often higher than <a class="Link" href="https://www.bankrate.com/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="money market account" data-type="LINK" data-position="2" data-name="article-link" data-outcome="INTERNALLINK" data-beam-uid="2" data-beam-event="click">money market account</a> and <a class="Link" href="https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/">savings account</a> yields.</p> <p><a class="Link" href="https://www.bankrate.com/banking/cds/cd-calculator/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Bankrate’s calculator" data-type="LINK" data-position="4" data-name="article-link" data-outcome="INTERNALLINK" data-beam-uid="2" data-beam-event="click">Bankrate’s CD calculator</a> can help you determine how much interest you could earn when your CD matures. Your principal is protected, so you won’t have to worry about fluctuations in value like you might when <a class="Link" href="https://www.bankrate.com/investing/how-to-invest-in-stocks/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="investing in the stock market" data-type="LINK" data-position="6" data-name="article-link" data-outcome="INTERNALLINK" data-beam-uid="2" data-beam-event="click">investing in the stock market</a>. Plus, with a CD, your interest rate is locked in, so you also don’t have to worry about your yield decreasing.</p></div> </div> <div id="how-to-find-best-rates" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two"> How to find the best 3-year CD rates </h2> </div> <div class="wysiwyg display-block w-full"> <p>Include <a class="Link" href="https://www.bankrate.com/banking/best-online-banks/">online banks</a>, credit unions and other banks in your search to find the best three-year CD rates. Many savers tend to stick with the same bank that provides their <a class="Link" href="https://www.bankrate.com/banking/checking/best-checking-accounts/">checking account</a>. But that can be a mistake, especially at large national banks, where deposit rates tend to fall well short of what some smaller institutions offer.</p> <p>Opening a three-year CD might make sense for people who don’t need access to their money for at least three years. As a result, these accounts are ideal for midterm goals, like setting aside money for a car down payment. Getting a three-year CD could also be a good idea if you’re planning to build a <a class="Link" href="https://www.bankrate.com/banking/cds/cd-ladder-guide/">CD ladder</a>.</p> <p>Search for the best three-year CD rates online, and compare your options. If you’re looking for a higher yield, consider some of the lesser-known institutions willing to offer good interest rates to attract depositors.</p> <p>In addition to comparing APYs when considering a CD, it’s important to make sure you’re okay with locking in the funds, says Louise Eisenach, Vice President of Savings and Deposits at Capital One. “It's crucial to ensure that you’re comfortable with the term length and understand that you’ll incur a penalty if you withdraw the money before the full length of the term. If you do invest in a three-year CD, consider how you’d like to structure your finances outside of the money in this account.</p> <p>“For example, you may take part of your savings and put it into the CD, while holding your emergency funds in an easily accessible savings account, should you need to pull from it during the CD term.”</p> <p>Diversifying your savings among accounts in such a way can help you avoid needing access to the money in a CD before it matures, which could incur an <a class="Link" href="https://www.bankrate.com/banking/cds/cd-early-withdrawal-can-come-at-a-high-price/">early withdrawal penalty</a>, Eisenach says.</p></div> </div> <div id="three-year-faqs" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2 id="1-year-faqs">3-year CD FAQs</h2></div> <ul class="Accordion w-full" data-cy="accordion-bf5eb2e0-87c3-4467-9ae8-817202c4240b"> <li x-id="['panel-withdraw', 'heading-withdraw']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-withdraw')" :aria-controls="$id('panel-withdraw')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" can you withdraw cash from a cd early? " data-position="1" data-text=" Can you withdraw cash from a CD early? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Can you withdraw cash from a CD early?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-withdraw')" :labelledBy="$id('heading-withdraw')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>When putting money into CDs, it’s important to read the fine print. After all, CDs come with restrictions dictating when you can withdraw your money.</p> <p>In most cases, you’re not allowed to get your cash before the CD matures. With a three-year CD, that means keeping your money in the account for three years. If you do withdraw the money, there’s a good chance you’ll have to pay a penalty. The penalty depends on the financial institution, and can vary widely. A penalty might be expressed as a certain number of months’ worth of interest or as a percentage of the principal. In some cases, that percentage of principal might be based on the entire amount in the CD, or it might only apply to the amount you withdraw early.</p> <p>If you’re unsure that you can keep your money in the account for three years, consider other options. There are no-penalty CDs that won’t charge you for taking the money out early. However, no-penalty CDs often come with lower interest rates than those on conventional CDs.</p> <p>Additionally, you can choose a six-month or one-year CD, instead of getting a three-year CD. You’ll be able to access your money earlier, but you’ll earn a lower yield.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-withdraw')" :labelledBy="$id('heading-withdraw')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>When putting money into CDs, it’s important to read the fine print. After all, CDs come with restrictions dictating when you can withdraw your money.</p> <p>In most cases, you’re not allowed to get your cash before the CD matures. With a three-year CD, that means keeping your money in the account for three years. If you do withdraw the money, there’s a good chance you’ll have to pay a penalty. The penalty depends on the financial institution, and can vary widely. A penalty might be expressed as a certain number of months’ worth of interest or as a percentage of the principal. In some cases, that percentage of principal might be based on the entire amount in the CD, or it might only apply to the amount you withdraw early.</p> <p>If you’re unsure that you can keep your money in the account for three years, consider other options. There are no-penalty CDs that won’t charge you for taking the money out early. However, no-penalty CDs often come with lower interest rates than those on conventional CDs.</p> <p>Additionally, you can choose a six-month or one-year CD, instead of getting a three-year CD. You’ll be able to access your money earlier, but you’ll earn a lower yield.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-terms', 'heading-terms']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-terms')" :aria-controls="$id('panel-terms')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" how does a 3-year cd compare to other cd terms? " data-position="2" data-text=" How does a 3-year CD compare to other CD terms? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How does a 3-year CD compare to other CD terms?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-terms')" :labelledBy="$id('heading-terms')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A three-year CD rate often comes with a higher interest rate than CDs with shorter terms.</p> <p>Also, because there are liquidity restrictions on a CD, you’ll often see a higher yield on a CD than what you’d get with a <a class="Link" href="https://www.bankrate.com/banking/savings/rates/">traditional savings account</a> or money market account, though savings and <a class="Link" href="https://www.bankrate.com/banking/money-market/rates/">money market accounts</a> provide easier access to your money.</p> <p>Also, while a three-year CD can feature a higher interest rate than shorter-term CDs and liquid savings accounts, it often has a lower yield than what you’d see if you were willing to tie up your money for a longer term. For example, you might get a higher yield on a <a class="Link" href="https://www.bankrate.com/banking/cds/best-5-year-cd-rates/">five-year CD</a> than what’s available for a three-year CD.</p> <p>Carefully consider your needs before putting your money in a CD. Be realistic about when you might need the money, based on your short- and medium-term financial goals. Knowing your needs will help you make a better decision about the type of account that’s best for your money.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-terms')" :labelledBy="$id('heading-terms')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A three-year CD rate often comes with a higher interest rate than CDs with shorter terms.</p> <p>Also, because there are liquidity restrictions on a CD, you’ll often see a higher yield on a CD than what you’d get with a <a class="Link" href="https://www.bankrate.com/banking/savings/rates/">traditional savings account</a> or money market account, though savings and <a class="Link" href="https://www.bankrate.com/banking/money-market/rates/">money market accounts</a> provide easier access to your money.</p> <p>Also, while a three-year CD can feature a higher interest rate than shorter-term CDs and liquid savings accounts, it often has a lower yield than what you’d see if you were willing to tie up your money for a longer term. For example, you might get a higher yield on a <a class="Link" href="https://www.bankrate.com/banking/cds/best-5-year-cd-rates/">five-year CD</a> than what’s available for a three-year CD.</p> <p>Carefully consider your needs before putting your money in a CD. Be realistic about when you might need the money, based on your short- and medium-term financial goals. Knowing your needs will help you make a better decision about the type of account that’s best for your money.</p></div> </div> </div> </noscript> </li> </ul> </div> <div id="research-methodology" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>Research methodology</h2> <p>At Bankrate, we strive to help you make smarter financial decisions. We follow strict guidelines to ensure that our editorial content is unbiased and not influenced by advertisers. Our editorial team receives no direct compensation from advertisers and our content is thoroughly fact-checked to ensure accuracy.</p> <p>Bankrate regularly surveys around 70 widely available financial institutions, made up of the biggest banks and credit unions, as well as a number of popular online banks.</p> <p>To find the best CDs, our editorial team analyzes various factors, such as: APY, the minimum deposit needed to earn that APY (or to open the CD) and whether it is broadly available. All of the accounts on this page are insured by the <a class="Link" href="https://www.bankrate.com/banking/fdic-insurance/">Federal Deposit Insurance Corp.</a> (FDIC) or the <a class="Link" href="https://www.bankrate.com/banking/credit-unions/ncua-how-your-savings-at-credit-unions-are-insured-by-the-government/">National Credit Union Administration</a> (NCUA).</p> <p>When selecting the best CD for you, consider the purpose of the money and when you’ll need access to these funds to help you avoid early withdrawal penalties.</p></div> <ul class="Accordion w-full" data-cy="accordion-2998a47b-16a6-47f3-aee8-acc4b0947e6e"> <li x-id="['panel-span-classtext-banks-we-monitorspan', 'heading-span-classtext-banks-we-monitorspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-banks-we-monitorspan')" :aria-controls="$id('panel-span-classtext-banks-we-monitorspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" banks we monitor " data-position="1" data-text=" Banks we monitor " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Banks we monitor</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-banks-we-monitorspan')" :labelledBy="$id('heading-span-classtext-banks-we-monitorspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p><div style="max-width: 100%; word-wrap: break-word; white-space: normal;">Alliant Credit Union, Ally Bank, Amerant Bank, America First Credit Union, American Express National Bank, Axos Bank, Bank of America, Bank5 Connect, Barclays Bank, Bask Bank, Bethpage Federal Credit Union, BMO Alto, BMO Bank, Bread Savings, BrioDirect, Capital One, CFG Community Bank, Charles Schwab Bank, Chase Bank, CIBC Bank USA, CIT Bank, Citibank, Citizens Access, Comerica Bank, Connexus Credit Union, Credit One Bank, Customers Bank, Delta Community Credit Union, Discover Bank, EverBank, Fifth Third Bank, First Citizens Bank, First Internet Bank of Indiana, First National Bank of America, FNBO Direct, Forbright Bank, Golden 1 Credit Union, Heritage Bank, Huntington National Bank, iGOBanking.com, Jenius Bank, KeyBank, LendingClub Bank, Limelight Bank, Live Oak Bank, M&T Bank, Marcus by Goldman Sachs, Morgan Stanley Private Bank, MySavingsDirect, Navy Federal Credit Union, NBKC Bank, Openbank, Pentagon Federal Credit Union, PNC Bank, Popular Direct, Quontic Bank, Randolph-Brooks Federal Credit Union, Regions Bank, Rising Bank, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, SoFi, State Employees' Credit Union, Suncoast Credit Union, Synchrony Bank, TAB Bank, UFB Direct, US Bank, USAA Bank, Varo Bank, Vio Bank, VyStar Credit Union, Wells Fargo, Zions Bank</div></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-banks-we-monitorspan')" :labelledBy="$id('heading-span-classtext-banks-we-monitorspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p><div style="max-width: 100%; word-wrap: break-word; white-space: normal;">Alliant Credit Union, Ally Bank, Amerant Bank, America First Credit Union, American Express National Bank, Axos Bank, Bank of America, Bank5 Connect, Barclays Bank, Bask Bank, Bethpage Federal Credit Union, BMO Alto, BMO Bank, Bread Savings, BrioDirect, Capital One, CFG Community Bank, Charles Schwab Bank, Chase Bank, CIBC Bank USA, CIT Bank, Citibank, Citizens Access, Comerica Bank, Connexus Credit Union, Credit One Bank, Customers Bank, Delta Community Credit Union, Discover Bank, EverBank, Fifth Third Bank, First Citizens Bank, First Internet Bank of Indiana, First National Bank of America, FNBO Direct, Forbright Bank, Golden 1 Credit Union, Heritage Bank, Huntington National Bank, iGOBanking.com, Jenius Bank, KeyBank, LendingClub Bank, Limelight Bank, Live Oak Bank, M&T Bank, Marcus by Goldman Sachs, Morgan Stanley Private Bank, MySavingsDirect, Navy Federal Credit Union, NBKC Bank, Openbank, Pentagon Federal Credit Union, PNC Bank, Popular Direct, Quontic Bank, Randolph-Brooks Federal Credit Union, Regions Bank, Rising Bank, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, SoFi, State Employees' Credit Union, Suncoast Credit Union, Synchrony Bank, TAB Bank, UFB Direct, US Bank, USAA Bank, Varo Bank, Vio Bank, VyStar Credit Union, Wells Fargo, Zions Bank</div></p></div> </div> </div> </noscript> </li> </ul> </div></div> </div></div> </section> </main> </div> <footer data-swiftype-index="false"class="global-footer"> <div class="global-footer__container"> <h2 class="global-footer__logo-container"> <a href="https://www.bankrate.com/"> <span class="global-footer__logo-text">Bankrate logo</span> <svg width="120" height="24" width="100" height="20" viewBox="0 0 400 80" xmlns="http://www.w3.org/2000/svg" focusable="false"> <title>Bankrate</title> <g fill="#151515"> <path d="m100.16 78.16v-8.16h-.16c-3.75 6.26-10.42 9.5-18 9.5-15.45 0-28-11.63-28-26.88 0-16.87 12.12-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 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