CINXE.COM

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'Use the up and down arrows to navigate through the top-level links. Alternatively, you can press the escape key to close the menu.' : 'Use the right and left arrows to navigate through the top-level links and the up and down arrows to navigate through the submenu tabs. Alternatively, you can press the end key to jump to the search toggle, and the escape key to close the menu.'"> <li x-cloak class="SiteNavCategory" id="category-1" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/banking/" data-js-selector="siteNavCategorylink1" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 1, 7);" @keydown.right.prevent="keydownCategory('right', 1, 7);" @keydown.left.prevent="keydownCategory('left', 1, 7);" @keydown.down.prevent="keydownCategory('down', 1, 7);" @keydown.up.prevent="keydownCategory('up', 1, 7);" @keydown.home.prevent="keydownCategory('home', 1, 7);" @keydown.end.prevent="keydownCategory('end', 1, 7);" @keydown.space.prevent="keydownCategory('space', 1, 7);" @keydown.enter.prevent="keydownCategory('enter', 1, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="1" data-text="Banking" data-outcome="send to banking hub" > <span class="SiteNavCategory-label"> Banking</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-banking" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="1" data-text="Banking" data-outcome="open default banking 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="banking-tablist" class="SiteNavSubcategory-categoryTitle"> Banking</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="banking-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($el.id)" data-subcategory-name="Checking & savings" data-position="1"> Checking & savings<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($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($el.id)" data-subcategory-name="CDs" data-position="2"> CDs<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($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($el.id)" data-subcategory-name="Money market" data-position="3"> Money market<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($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($el.id)" data-subcategory-name="Banks" data-position="4"> Banks<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($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 - 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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 - 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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 - 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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 - Real estate subcategory featured link" data-position="2" data-text="Cost of living calculator" data-outcome="send to link" > Cost of living calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/how-much-is-my-house-worth/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="3" data-text="How much is my house worth?" data-outcome="send to link" > How much is my house worth?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="4" data-text="Real estate resources" data-outcome="send to link" > Real estate resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-buy-a-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory link" data-position="1" data-text="Buying a home" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Buying a home</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-sell-your-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory link" data-position="2" data-text="Selling a home" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Selling a home</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - 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@keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" 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="Credit cards hub link - mobile 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" 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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> 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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 - 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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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The information, including any rates, terms and fees associated with financial products, presented in the review is accurate as of the date of publication. </p> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="modal-58ced2fb-d994-414e-bd3e-6f507f88c60b-modal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </div> </div> <section class="TransactionalPageHero gutter md:pb-4 mt-6"> <div class="wrapper"> <div class="display-grid grid-cols-1 w-full"> <div class="TransactionalPageHero-colLeft"> <div data-cy="" class="Headline w-full"> <h1 class="type-heading-one mb-6 md:mb-8"> 8 best short-term investments in November 2024 </h1> </div> <div data-cy="byline" x-data="{expanded: false}" class="Byline display-flex flex-wrap gap-y-4 mb-4 Byline--noPipelines flex-direction-column sm:flex-direction-row sm:align-items-center"> <div class="Byline-user display-flex align-items-center"> <img 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https://www.bankrate.com/2021/10/26151853/James-Royal-headshot-scaled-square.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/10/26151853/James-Royal-headshot-scaled-square.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/2021/10/26151853/James-Royal-headshot-scaled-square.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/james-royal/" class="Link Link--standalone text-black"> James Royal, Ph.D.</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Principal writer, Investing and wealth management</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div 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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> Investing</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Wealth management</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Bankrate principal writer and editor James F. Royal, Ph.D., covers investing and wealth management. His work has been cited by CNBC, the Washington Post, The New York Times and more.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/james-royal/" 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/JimRoyalPhD" target="_blank" rel="nofollow" aria-label="Connect with James Royal, Ph.D. on Twitter" data-beam-element-clicked id="author_bio_james_royal_phd_twitter_icon" data-type="icon" data-location="author_bio_james_royal_phd" 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 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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> Investing</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Wealth management</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 14 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Brian Baker covers investing and retirement for Bankrate. He is a CFA Charterholder and previously worked in equity research at a buyside investment firm. Baker is passionate about helping people make sense of complicated financial topics so that they can better plan for their financial futures.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/brian-baker-cfa/" 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/briandbaker1" target="_blank" rel="nofollow" aria-label="Connect with Brian Baker, CFA on Twitter" data-beam-element-clicked id="author_bio_brian_baker_cfa_twitter_icon" data-type="icon" data-location="author_bio_brian_baker_cfa" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" 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href="https://www.bankrate.com/authors/brian-baker-cfa/" class="text-link text-black plain font-circular-bold ">Brian Baker, CFA</a> </div> </span> </div> <div class="Byline-user md:ml-3"> <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('vU89Tr')" 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-vU89Tr" aria-controls="tooltip-content-vU89Tr" 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-vU89Tr" aria-hidden="true" aria-labelledby="tooltip-trigger-vU89Tr" 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="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.bankrate.com/2021/05/20103456/brian-baker.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/2021/05/20103456/brian-baker.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/05/20103456/brian-baker.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/2021/05/20103456/brian-baker.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">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('6fyVkm')" 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-6fyVkm" aria-controls="tooltip-content-6fyVkm" x-bind="trigger"> Brian Baker, CFA</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-6fyVkm" aria-hidden="true" aria-labelledby="tooltip-trigger-6fyVkm" 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/2021/05/20103456/brian-baker.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/2021/05/20103456/brian-baker.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/05/20103456/brian-baker.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/2021/05/20103456/brian-baker.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/brian-baker-cfa/" class="Link Link--standalone text-black"> Brian Baker, CFA</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior writer, Investing and Retirement</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon 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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> Investing</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Wealth management</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 14 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Brian Baker covers investing and retirement for Bankrate. He is a CFA Charterholder and previously worked in equity research at a buyside investment firm. Baker is passionate about helping people make sense of complicated financial topics so that they can better plan for their financial futures.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/brian-baker-cfa/" 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/briandbaker1" target="_blank" rel="nofollow" aria-label="Connect with Brian Baker, CFA on Twitter" data-beam-element-clicked id="author_bio_brian_baker_cfa_twitter_icon" data-type="icon" data-location="author_bio_brian_baker_cfa" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" 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href="https://www.bankrate.com/authors/brian-baker-cfa/" class="text-link text-black plain font-circular-bold ">Brian Baker, CFA</a> </div> </span> </div> <div class="Byline-user Byline-accordion-on-mobile"> <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('stJLIU')" 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-stJLIU" aria-controls="tooltip-content-stJLIU" 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-stJLIU" aria-hidden="true" aria-labelledby="tooltip-trigger-stJLIU" 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="type-body-two mb-4"> As of November 01, 2024</div> <div class="pos-relative mb-6"> <div class="TransactionalPageHero-description"> <div class="Richtext"> <p><span style="color:#515260">If you’re looking to invest money for the short term, you’re probably searching for a safe place to stash cash before you need to access it in the not-so-distant future. The good news is that interest rates remain high following the </span><a href="https://www.bankrate.com/banking/federal-reserve/history-of-federal-funds-rate/" target="_self"><span style="color:#515260">Federal Reserve’s recent attempts to bring down inflation</span></a><span style="color:#515260">, and many short-term investments offer solid yields.</span></p></div> <span data-beam-element-clicked-no-delay id="8_best_short_term_investments_in_sc_codecurrent_date_formatf_y_show_less" data-type="Button" data-location="8_best_short_term_investments_in_sc_codecurrent_date_formatf_y_page" data-name="8 best short-term investments in [sc code='current_date' format='F Y'] Show Less" data-position="top" data-text="" data-outcome="show less" class="TransactionalPageHero-showLess display-flex display-none text-blue Link Link--standalone w-min -mt-6"> Show less </span> </div> <span data-beam-element-clicked-no-delay id="8_best_short_term_investments_in_sc_codecurrent_date_formatf_y_read_more" data-type="Button" data-location="8_best_short_term_investments_in_sc_codecurrent_date_formatf_y_page" data-name="8 best short-term investments in [sc code='current_date' format='F Y'] Read More" data-position="top" data-text="" data-outcome="read more" class="TransactionalPageHero-readMore display-none text-blue Link Link--standalone"> Read more </span> </div> <script> const readMoreControls = (descriptionContainer, readMoreTrigger, showLessTrigger) => { // Reset elements. descriptionContainer.classList.add('TransactionalPageHero-description--maxLines'); 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})" class="display-none"> <template x-teleport="#modalStack"> <div id="TocModal" class="Modal is-closed Modal--tableOfContents md:display-none" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="TocModal" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1"> <div class="TableOfContents-modal"> <div class="px-6 pt-6"> <p class="TableOfContents-heading type-heading-six uppercase display-block"> On This Page</p> <div class="mb-6" style="overflow-y: auto; max-height: 60vh;"> <ul class="TableOfContents-list List"> <li class=""> <a class="TableOfContents-link" href="#what-is" data-toc-jumpto="#what-is" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="What is a short-term investment?" data-position="1" data-text="What is a short-term investment?" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">What is a short-term investment?</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#safe-but-lower-yield" data-toc-jumpto="#safe-but-lower-yield" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Short-term investments: Safe but lower yield" data-position="2" data-text="Short-term investments: Safe but lower yield" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">Short-term investments: Safe but lower yield</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#best-list" data-toc-jumpto="#best-list" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Overview: best short-term investments" data-position="3" data-text="Overview: best short-term investments" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">Overview: best short-term investments</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#short-term-money" data-toc-jumpto="#short-term-money" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Best investments for short-term money" data-position="4" data-text="Best investments for short-term money" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">Best investments for short-term money</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#good-short-term-investment" data-toc-jumpto="#good-short-term-investment" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="What makes a good short-term investment?" data-position="5" data-text="What makes a good short-term investment?" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">What makes a good short-term investment?</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#bottom-line" data-toc-jumpto="#bottom-line" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Bottom line" data-position="6" data-text="Bottom line" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">Bottom line</span> </a> </li> </ul> </div> </div> <div class="border-t px-6 py-2"> <div class="display-flex justify-content-space-between"> <button class="Button Button--primary Button--extraSmall Button--flat" data-toc-prev data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-PREV" data-name="TOC-PREV" data-position="PREV-mobile" data-text="TOC-PREV" data-outcome="INTERNALLINK" > <span>Prev</span> </button> <button class="Button Button--primary Button--extraSmall Button--flat" data-toc-next data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-NEXT" data-name="TOC-NEXT" data-position="NEXT-mobile" data-text="TOC-NEXT" data-outcome="INTERNALLINK" > <span>Next</span> </button> </div> </div> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="TocModal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div></div> <div class="TwoColumnLayout-main SectionWithToc-body SectionWithToc-defaultGap " data-e2e-monitor=SectionWithToc-body> <div id="what-is" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <p>Short-term investments minimize risk, but at the cost of potentially higher returns available in the <a class="Link" href="https://www.bankrate.com/investing/best-long-term-investments/">best long-term investments</a>. As a result, you’ll ensure that you have cash when you need it, instead of squandering the money on a potentially risky investment. So, the most important thing investors should be looking for in a short-term investment is safety.</p> <h2>What is a short-term investment?</h2> <p>If you’re making a short-term investment, you’re often doing so because you need to have the money at a certain time. If you’re <a class="Link" href="https://www.bankrate.com/banking/savings/how-to-save-for-a-house/">saving for a down payment on a house</a> or a wedding, for example, the money must be at the ready. Short-term investments are those you make for less than three years.</p> <p>If you have a longer <a class="Link" href="https://www.bankrate.com/investing/what-is-time-horizon/">time horizon</a> – at least three to five years (and even longer is better) – you can look at investments such as stocks. Stocks offer the potential for much higher returns. The stock market has historically risen an average of <a class="Link" href="https://www.bankrate.com/investing/what-is-sp-500/">10 percent annually over long periods</a> – but it has proven to be quite volatile. So the longer time horizon gives you the ability to ride out the ups and downs of the stock market.</p></div> <div id="top-funnel-content-top"class="myFinance-widget"></div> </div> <div id="safe-but-lower-yield" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>Short-term investments: Safe but lower yield</h2> <p>The safety of short-term investments comes at a cost. You likely won’t be able to earn as much in a short-term investment as you would in a long-term investment. If you invest for the short term, you’ll be limited to certain types of investments and shouldn’t buy riskier assets such as stocks and stock funds. (But if you can invest for the long term, <a class="Link" href="https://www.bankrate.com/investing/how-to-buy-stocks/">here’s how to buy stocks</a>.)</p> <p>Short-term investments do have a couple of advantages, however. They’re often highly liquid, so you can get your money whenever you need it. Also, they tend to be <a class="Link" href="https://www.bankrate.com/investing/low-risk-investments/">lower risk investments</a> than long-term investments, so you may have limited downside or even none at all.</p></div> <div class="bankrate-insight"> <div class="border-l-4 border-blue bg-white p-8 h-full display-flex flex-direction-column sm:flex-direction-row box-shadow-1 rounded-md"> <div class="Icon flex-shrink-0 Icon--md mb-6 mx-auto sm:mr-8"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg></div> <div class="flex-grow"> <h3 class="mt-0 mb-4 max-w text-center sm:text-left"> Need an advisor? </h3> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full"> <p>Need expert guidance when it comes to managing your investments or planning for retirement?</p> <p><a class="Link" href="https://www.bankrate.com/investing/financial-advisors/financial-advisor-matching/?utm_source=BRarticle">Bankrate’s AdvisorMatch</a> can connect you to a CFP® professional to help you achieve your financial goals.</p></div> </div> </div> </div> </div> </div> <div id="best-list" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>Overview: Best short-term investments in November 2024</h2></div> <div class="wysiwyg display-block w-full"> <h3 id="FNILX">1. High-yield savings accounts</h3> <p><strong>Overview:</strong> A<a class="Link" href="https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/"> high-yield savings account</a> at a bank or credit union is a good alternative to holding cash in a checking account, which typically pays very little interest on your deposit. The bank will pay interest in a savings account on a regular basis.</p> <p><strong>Who are they good for?</strong> A high-yield savings account works well for risk-averse investors, and especially for those who need money in the short term and want to avoid the risk that they won’t get their money back.</p></div> <ul class="Accordion w-full" data-cy="accordion-14b5813a-4856-4a12-9c44-966df375ba10"> <li x-id="['panel-span-classtext-risksspan', 'heading-span-classtext-risksspan']" 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-risksspan')" :aria-controls="$id('panel-span-classtext-risksspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" risks " data-position="1" data-text=" Risks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Risks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Savings accounts are insured by the <a class="Link" href="https://www.bankrate.com/banking/fdic-insurance/">Federal Deposit Insurance Corporation</a> (FDIC) at banks and by the <a class="Link" href="https://www.bankrate.com/banking/credit-unions/ncua-how-your-savings-at-credit-unions-are-insured-by-the-government/">National Credit Union Administration</a> (NCUA) at credit unions, so you won’t lose money.</p> <p>There’s not really a risk to these accounts in the short term, though investors who hold their money over longer periods may have trouble keeping up with inflation.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Savings accounts are insured by the <a class="Link" href="https://www.bankrate.com/banking/fdic-insurance/">Federal Deposit Insurance Corporation</a> (FDIC) at banks and by the <a class="Link" href="https://www.bankrate.com/banking/credit-unions/ncua-how-your-savings-at-credit-unions-are-insured-by-the-government/">National Credit Union Administration</a> (NCUA) at credit unions, so you won’t lose money.</p> <p>There’s not really a risk to these accounts in the short term, though investors who hold their money over longer periods may have trouble keeping up with inflation.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-rewardsspan', 'heading-span-classtext-rewardsspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-rewardsspan')" :aria-controls="$id('panel-span-classtext-rewardsspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" rewards " data-position="2" data-text=" Rewards " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Rewards</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can typically earn much higher interest rates at online banks than at national, brick-and-mortar banks.</p> <p>Plus, you can typically access the money by quickly transferring it to your primary bank or maybe even via an ATM.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can typically earn much higher interest rates at online banks than at national, brick-and-mortar banks.</p> <p>Plus, you can typically access the money by quickly transferring it to your primary bank or maybe even via an ATM.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-liquidityspan', 'heading-span-classtext-liquidityspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-liquidityspan')" :aria-controls="$id('panel-span-classtext-liquidityspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" liquidity " data-position="3" data-text=" Liquidity " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Liquidity</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Savings accounts are highly liquid, and you can add money to the account. Savings accounts typically only allow for up to six fee-free withdrawals or transfers per statement cycle, however. (<a class="Link" href="https://www.bankrate.com/banking/federal-reserve-lifts-regulation-d-withdrawal-limit/">The Federal Reserve now allows banks to waive this requirement.</a>)</p> <p>Of course, you’ll want to watch out for banks that charge fees for maintaining the account or accessing ATMs, so you can minimize those.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Savings accounts are highly liquid, and you can add money to the account. Savings accounts typically only allow for up to six fee-free withdrawals or transfers per statement cycle, however. (<a class="Link" href="https://www.bankrate.com/banking/federal-reserve-lifts-regulation-d-withdrawal-limit/">The Federal Reserve now allows banks to waive this requirement.</a>)</p> <p>Of course, you’ll want to watch out for banks that charge fees for maintaining the account or accessing ATMs, so you can minimize those.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-where-to-get-themspan', 'heading-span-classtext-where-to-get-themspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-where-to-get-themspan')" :aria-controls="$id('panel-span-classtext-where-to-get-themspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" where to get them " data-position="4" data-text=" Where to get them " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Where to get them</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Savers would do well to comparison-shop high-yield savings accounts, because it’s easy to find which banks offer the highest interest rates and they are easy to set up.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Savers would do well to comparison-shop high-yield savings accounts, because it’s easy to find which banks offer the highest interest rates and they are easy to set up.</p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-4" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h3>2. Cash management accounts</h3> <p><strong>Overview: </strong>A <a class="Link" href="https://www.bankrate.com/banking/what-is-a-cash-management-account/">cash management account</a> allows you to put money in a variety of short-term investments, and it acts much like an omnibus account.</p> <p><strong>Who are they good for?</strong> A cash management account gives you a liquid cash account that allows you to access your money quickly, and it may pay interest on your holdings.</p></div> <ul class="Accordion w-full" data-cy="accordion-f4d85203-a73d-40bf-b0d2-2fc9d571daba"> <li x-id="['panel-span-classtext-risksspan', 'heading-span-classtext-risksspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-risksspan')" :aria-controls="$id('panel-span-classtext-risksspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" risks " data-position="1" data-text=" Risks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Risks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Cash management accounts are often invested in safe low-yield money market funds, so there’s not a lot of risk.</p> <p>In the case of some <a class="Link" href="https://www.bankrate.com/investing/best-robo-advisors/">robo-advisor accounts</a>, these institutions deposit your money into FDIC-protected partner banks, so you might want to make sure that you don’t exceed FDIC deposit coverage if you already do business with one of the partner banks.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Cash management accounts are often invested in safe low-yield money market funds, so there’s not a lot of risk.</p> <p>In the case of some <a class="Link" href="https://www.bankrate.com/investing/best-robo-advisors/">robo-advisor accounts</a>, these institutions deposit your money into FDIC-protected partner banks, so you might want to make sure that you don’t exceed FDIC deposit coverage if you already do business with one of the partner banks.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-rewardsspan', 'heading-span-classtext-rewardsspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-rewardsspan')" :aria-controls="$id('panel-span-classtext-rewardsspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" rewards " data-position="2" data-text=" Rewards " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Rewards</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can often invest, write checks off the account, transfer money and do other typical bank-like activities. So the cash management account gives you a lot of flexibility.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can often invest, write checks off the account, transfer money and do other typical bank-like activities. So the cash management account gives you a lot of flexibility.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-liquidityspan', 'heading-span-classtext-liquidityspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-liquidityspan')" :aria-controls="$id('panel-span-classtext-liquidityspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" liquidity " data-position="3" data-text=" Liquidity " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Liquidity</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Cash management accounts are extremely liquid, and money can be withdrawn at any time.</p> <p>In this respect, they may be even better than traditional savings and money market accounts, which limit monthly withdrawals.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Cash management accounts are extremely liquid, and money can be withdrawn at any time.</p> <p>In this respect, they may be even better than traditional savings and money market accounts, which limit monthly withdrawals.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-where-to-get-themspan', 'heading-span-classtext-where-to-get-themspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-where-to-get-themspan')" :aria-controls="$id('panel-span-classtext-where-to-get-themspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" where to get them " data-position="4" data-text=" Where to get them " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Where to get them</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Cash management accounts are typically offered by robo-advisors and online stock brokers.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Cash management accounts are typically offered by robo-advisors and online stock brokers.</p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-4" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h3>3. Money market accounts</h3> <p><strong>Overview:</strong> <a class="Link" href="https://www.bankrate.com/banking/money-market/rates/">Money market accounts</a> are another kind of bank deposit, and they usually pay a higher interest rate than <a class="Link" href="https://www.bankrate.com/banking/savings/rates/">regular savings accounts</a>, though they typically require a higher minimum investment, too.</p> <p><strong>Who are they good for?</strong> Money market accounts are good for those who need their money in the near future and need to be able to access it without any strings attached.</p></div> <ul class="Accordion w-full" data-cy="accordion-2d0d4fc5-cc93-4288-b292-076f450f8c2d"> <li x-id="['panel-span-classtext-risksspan', 'heading-span-classtext-risksspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-risksspan')" :aria-controls="$id('panel-span-classtext-risksspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" risks " data-position="1" data-text=" Risks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Risks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" 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>Be sure to find a money market account that is <a class="Link" href="https://www.bankrate.com/banking/fdic-insurance/">FDIC-insured</a> so that your account will be protected from losing money, with coverage up to $250,000 per depositor, per bank.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" 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>Be sure to find a money market account that is <a class="Link" href="https://www.bankrate.com/banking/fdic-insurance/">FDIC-insured</a> so that your account will be protected from losing money, with coverage up to $250,000 per depositor, per bank.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-rewardsspan', 'heading-span-classtext-rewardsspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-rewardsspan')" :aria-controls="$id('panel-span-classtext-rewardsspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" rewards " data-position="2" data-text=" Rewards " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Rewards</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The key reward for money market accounts is the interest you can earn on the account, and you’ll also have the ability to access the money on short notice if you need it.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The key reward for money market accounts is the interest you can earn on the account, and you’ll also have the ability to access the money on short notice if you need it.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-liquidityspan', 'heading-span-classtext-liquidityspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-liquidityspan')" :aria-controls="$id('panel-span-classtext-liquidityspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" liquidity " data-position="3" data-text=" Liquidity " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Liquidity</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Money market accounts are highly liquid, though federal laws do impose some restrictions on withdrawals.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Money market accounts are highly liquid, though federal laws do impose some restrictions on withdrawals.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-where-to-get-themspan', 'heading-span-classtext-where-to-get-themspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-where-to-get-themspan')" :aria-controls="$id('panel-span-classtext-where-to-get-themspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" where to get them " data-position="4" data-text=" Where to get them " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Where to get them</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can open money market accounts at many banks and credit unions.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can open money market accounts at many banks and credit unions.</p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-4" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h3>4. Short-term corporate bond funds</h3> <p><strong>Overview:</strong> <a class="Link" href="https://www.bankrate.com/investing/corporate-bonds/">Corporate bonds</a> are bonds issued by major corporations to fund their investments. They are typically considered safe and pay interest at regular intervals, perhaps quarterly or twice a year.</p> <p><strong>Who are they good for?</strong> Bond funds are good for investors who want a <a class="Link" href="https://www.bankrate.com/investing/diversification-is-important-in-investing/">diversified portfolio</a> of bonds without having to analyze individual bonds.</p> <p>They’re also good for individual investors who don’t have enough money to buy individual bonds, and the risk-averse should like them, too.</p></div> <ul class="Accordion w-full" data-cy="accordion-37e8bf94-fd25-4695-87f3-a03f4fe975f0"> <li x-id="['panel-span-classtext-risksspan', 'heading-span-classtext-risksspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-risksspan')" :aria-controls="$id('panel-span-classtext-risksspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" risks " data-position="1" data-text=" Risks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Risks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A short-term corporate bond fund is not insured by the government, so it can lose money.</p> <p>However, bonds tend to be quite safe, especially if you’re buying a broadly diversified collection of them.</p> <p>In addition, a <a class="Link" href="https://www.bankrate.com/investing/best-short-term-bond-funds/">short-term bond fund</a> provides the least amount of risk exposure to changing interest rates, so rising or falling rates won’t affect the price of the fund too much.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A short-term corporate bond fund is not insured by the government, so it can lose money.</p> <p>However, bonds tend to be quite safe, especially if you’re buying a broadly diversified collection of them.</p> <p>In addition, a <a class="Link" href="https://www.bankrate.com/investing/best-short-term-bond-funds/">short-term bond fund</a> provides the least amount of risk exposure to changing interest rates, so rising or falling rates won’t affect the price of the fund too much.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-rewardsspan', 'heading-span-classtext-rewardsspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-rewardsspan')" :aria-controls="$id('panel-span-classtext-rewardsspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" rewards " data-position="2" data-text=" Rewards " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Rewards</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Bond funds are collections of these corporate bonds from many different companies, usually across many industries and company sizes.</p> <p>This diversification means that a poorly-performing bond won’t hurt the overall return very much.</p> <p>The bond fund will pay interest on a regular basis, typically monthly.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Bond funds are collections of these corporate bonds from many different companies, usually across many industries and company sizes.</p> <p>This diversification means that a poorly-performing bond won’t hurt the overall return very much.</p> <p>The bond fund will pay interest on a regular basis, typically monthly.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-liquidityspan', 'heading-span-classtext-liquidityspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-liquidityspan')" :aria-controls="$id('panel-span-classtext-liquidityspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" liquidity " data-position="3" data-text=" Liquidity " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Liquidity</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A short-term corporate bond fund is highly liquid, and it can be bought and sold on any day that the financial markets are open.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A short-term corporate bond fund is highly liquid, and it can be bought and sold on any day that the financial markets are open.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-where-to-get-themspan', 'heading-span-classtext-where-to-get-themspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-where-to-get-themspan')" :aria-controls="$id('panel-span-classtext-where-to-get-themspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" where to get them " data-position="4" data-text=" Where to get them " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Where to get them</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can purchase them at virtually any online broker that offers ETF and mutual funds.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can purchase them at virtually any online broker that offers ETF and mutual funds.</p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-4" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h3>5. Short-term U.S. government bond funds</h3> <p><strong>Overview:</strong> <a class="Link" href="https://www.bankrate.com/investing/treasury-bonds/">Government bonds</a> are like corporate bonds except that they’re issued by the U.S. federal government and its agencies.</p> <p>Government bond funds purchase investments such as <a class="Link" href="https://www.bankrate.com/investing/how-often-do-treasury-bonds-pay-interest/">T-bills, T-bonds, T-notes</a> and mortgage-backed securities from federal agencies such as the Government National Mortgage Association (Ginnie Mae).</p> <p><strong>Who are they good for?</strong> Short-term government bonds are good for risk-averse investors who want a very safe investment.</p> <p>Bond funds are good for investors who want a diversified portfolio of bonds without having to analyze individual bonds.</p></div> <ul class="Accordion w-full" data-cy="accordion-4688f326-e772-4601-98f3-30284bf5ae63"> <li x-id="['panel-span-classtext-risksspan', 'heading-span-classtext-risksspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-risksspan')" :aria-controls="$id('panel-span-classtext-risksspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" risks " data-position="1" data-text=" Risks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Risks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>These bonds are considered low-risk. While bonds issued by the federal government and its agencies are not backed by the FDIC, the bonds are the government’s promises to repay money.</p> <p>Because they’re backed by the full faith and credit of the United States, these bonds are considered very safe.</p> <p>In addition, a fund of short-term bonds means an investor takes on a low amount of interest rate risk. So rising or falling rates won’t affect the price of the fund’s bonds very much.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>These bonds are considered low-risk. While bonds issued by the federal government and its agencies are not backed by the FDIC, the bonds are the government’s promises to repay money.</p> <p>Because they’re backed by the full faith and credit of the United States, these bonds are considered very safe.</p> <p>In addition, a fund of short-term bonds means an investor takes on a low amount of interest rate risk. So rising or falling rates won’t affect the price of the fund’s bonds very much.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-rewardsspan', 'heading-span-classtext-rewardsspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-rewardsspan')" :aria-controls="$id('panel-span-classtext-rewardsspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" rewards " data-position="2" data-text=" Rewards " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Rewards</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>U.S. government bond funds will pay a reliable rate of interest, though because of their safety, they won’t pay as much as corporate bonds.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>U.S. government bond funds will pay a reliable rate of interest, though because of their safety, they won’t pay as much as corporate bonds.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-liquidityspan', 'heading-span-classtext-liquidityspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-liquidityspan')" :aria-controls="$id('panel-span-classtext-liquidityspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" liquidity " data-position="3" data-text=" Liquidity " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Liquidity</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Government bonds are among the most widely traded assets on the exchanges, so government bond funds are highly liquid.</p> <p>They can be bought and sold on any day that the market is open.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Government bonds are among the most widely traded assets on the exchanges, so government bond funds are highly liquid.</p> <p>They can be bought and sold on any day that the market is open.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-where-to-get-themspan', 'heading-span-classtext-where-to-get-themspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-where-to-get-themspan')" :aria-controls="$id('panel-span-classtext-where-to-get-themspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" where to get them " data-position="4" data-text=" Where to get them " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Where to get them</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can purchase them at virtually any online broker that offers ETF and mutual funds.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can purchase them at virtually any online broker that offers ETF and mutual funds.</p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-4" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h3>6. Money market mutual funds</h3> <p><strong>Overview:</strong> Don’t confuse a <a class="Link" href="https://www.bankrate.com/banking/differences-between-money-market-account-and-money-market-fund/">money market mutual fund with a money market account</a>. While they’re named similarly, they have different risks, though both are good short-term investments.</p> <p>A <a class="Link" href="https://www.bankrate.com/investing/what-is-a-money-market-fund/">money market mutual fund</a> invests in short-term securities, including Treasurys, municipal and corporate debt, as well as bank debt securities.</p> <p>And since it’s a mutual fund, you’ll pay an <a class="Link" href="https://www.bankrate.com/investing/what-is-an-expense-ratio/">expense ratio</a> to the fund company from the assets being managed.</p> <p><strong>Who are they good for?</strong> Money market mutual funds are good for those looking to have access to their cash while earning a yield on it.</p></div> <ul class="Accordion w-full" data-cy="accordion-e38a845d-fcaf-4356-bf18-d04197d96eed"> <li x-id="['panel-span-classtext-risksspan', 'heading-span-classtext-risksspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-risksspan')" :aria-controls="$id('panel-span-classtext-risksspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" risks " data-position="1" data-text=" Risks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Risks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>While its investments are generally safe, <a class="Link" href="https://www.bankrate.com/investing/best-money-market-funds/">money market funds</a> are not as safe as money market accounts, which are FDIC-backed.</p> <p>In contrast, money market funds can lose money, typically only in periods of severe market distress, but they are generally quite safe.</p> <p>Still, they are some of the most conservative investments available and should protect your money.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>While its investments are generally safe, <a class="Link" href="https://www.bankrate.com/investing/best-money-market-funds/">money market funds</a> are not as safe as money market accounts, which are FDIC-backed.</p> <p>In contrast, money market funds can lose money, typically only in periods of severe market distress, but they are generally quite safe.</p> <p>Still, they are some of the most conservative investments available and should protect your money.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-rewardsspan', 'heading-span-classtext-rewardsspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-rewardsspan')" :aria-controls="$id('panel-span-classtext-rewardsspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" rewards " data-position="2" data-text=" Rewards " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Rewards</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Investors in money market mutual funds will earn a yield on their investment, typically without much fluctuation in the principal.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Investors in money market mutual funds will earn a yield on their investment, typically without much fluctuation in the principal.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-liquidityspan', 'heading-span-classtext-liquidityspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-liquidityspan')" :aria-controls="$id('panel-span-classtext-liquidityspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" liquidity " data-position="3" data-text=" Liquidity " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Liquidity</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Money market mutual funds are reasonably liquid, and you can access your money readily.</p> <p>They may allow you to write checks off the fund, though you’re typically limited to six withdrawals per month.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Money market mutual funds are reasonably liquid, and you can access your money readily.</p> <p>They may allow you to write checks off the fund, though you’re typically limited to six withdrawals per month.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-where-to-get-themspan', 'heading-span-classtext-where-to-get-themspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-where-to-get-themspan')" :aria-controls="$id('panel-span-classtext-where-to-get-themspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" where to get them " data-position="4" data-text=" Where to get them " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Where to get them</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can buy money market mutual funds at brokers offering mutual funds for sale.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can buy money market mutual funds at brokers offering mutual funds for sale.</p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-4" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h3>7. No-penalty certificates of deposit</h3> <p><strong>Overview:</strong> A <a class="Link" href="https://www.bankrate.com/banking/cds/best-no-penalty-cd-rates/">no-penalty certificate of deposit</a>, or CD, lets you dodge the typical fee that a bank charges if you cancel your <a class="Link" href="https://www.bankrate.com/banking/cds/cd-rates/">CD</a> before it matures.</p> <p>CDs are time deposits, meaning when you open one, you’re agreeing to hold the money in the account for a specified period of time, ranging from periods of weeks up to many years, depending on the maturity you want.</p> <p>In exchange for the security of having this money in its vault, the bank will pay you a higher interest rate.</p> <p><strong>Who are they good for?</strong> Those looking for some access to their cash while earning some interest may find the no-penalty CD useful.</p> <p>A no-penalty CD may also be attractive in a period of rising interest rates, since you can withdraw your money without paying a fee and then deposit it elsewhere for a higher return.</p></div> <ul class="Accordion w-full" data-cy="accordion-7440fcda-8ab2-4827-aa2b-5a061b079524"> <li x-id="['panel-span-classtext-risksspan', 'heading-span-classtext-risksspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-risksspan')" :aria-controls="$id('panel-span-classtext-risksspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" risks " data-position="1" data-text=" Risks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Risks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>CDs are insured by the FDIC, so you won’t lose any money on them. The risks are limited for a short-term CD, but one risk is that you may <a class="Link" href="https://www.bankrate.com/investing/4-ways-to-get-better-returns-than-cds/">miss out on a better rate elsewhere</a> while your money is tied up in the CD.</p> <p>The lack of a penalty helps mitigate this risk, however. If the interest rate is too low, you may also end up losing purchasing power to inflation.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>CDs are insured by the FDIC, so you won’t lose any money on them. The risks are limited for a short-term CD, but one risk is that you may <a class="Link" href="https://www.bankrate.com/investing/4-ways-to-get-better-returns-than-cds/">miss out on a better rate elsewhere</a> while your money is tied up in the CD.</p> <p>The lack of a penalty helps mitigate this risk, however. If the interest rate is too low, you may also end up losing purchasing power to inflation.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-rewardsspan', 'heading-span-classtext-rewardsspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-rewardsspan')" :aria-controls="$id('panel-span-classtext-rewardsspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" rewards " data-position="2" data-text=" Rewards " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Rewards</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The bank pays interest on the CD regularly, and at the end of the CD’s term, the bank will return your principal plus the earned interest.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>The bank pays interest on the CD regularly, and at the end of the CD’s term, the bank will return your principal plus the earned interest.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-liquidityspan', 'heading-span-classtext-liquidityspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-liquidityspan')" :aria-controls="$id('panel-span-classtext-liquidityspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" liquidity " data-position="3" data-text=" Liquidity " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Liquidity</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>CDs are typically less liquid than other bank investments on this list, but a no-penalty CD allows you to avoid the charge for ending the CD early.</p> <p>So you can dodge the key element that makes most CDs illiquid.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>CDs are typically less liquid than other bank investments on this list, but a no-penalty CD allows you to avoid the charge for ending the CD early.</p> <p>So you can dodge the key element that makes most CDs illiquid.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-where-to-get-themspan', 'heading-span-classtext-where-to-get-themspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-where-to-get-themspan')" :aria-controls="$id('panel-span-classtext-where-to-get-themspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" where to get them " data-position="4" data-text=" Where to get them " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Where to get them</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can find CDs at your bank, and they’ll generally offer a higher return than you could find in other bank products such as savings accounts and money market accounts.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can find CDs at your bank, and they’ll generally offer a higher return than you could find in other bank products such as savings accounts and money market accounts.</p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-4" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h3>8. Treasurys</h3> <p><strong>Overview:</strong> <a class="Link" href="https://www.bankrate.com/investing/treasury-bonds/">Treasurys</a> come in three varieties – T-bills, T-bonds and T-notes – and they offer the ultimate in safe yield, backed by the AAA credit rating of the U.S. federal government. But it’s the T-bills that are the short-termers, with a maturity of up to a year.</p> <p><strong>Who are they good for?</strong> Buying individual Treasurys is better for investors who know exactly what kind of bond they want, because the risks and reward differ by bond.</p> <p>Rather than buying a government bond fund, you might opt to buy specific securities, depending on your needs.</p></div> <ul class="Accordion w-full" data-cy="accordion-c1a57035-1385-4594-94f1-64c09e0b7dd1"> <li x-id="['panel-span-classtext-risksspan', 'heading-span-classtext-risksspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-risksspan')" :aria-controls="$id('panel-span-classtext-risksspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" risks " data-position="1" data-text=" Risks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Risks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>As with a bond fund, individual bonds are not backed by the FDIC, but are backed by the government’s promise to repay the money, so they’re considered very safe.</p> <p>But inflation can erode the purchasing power of Treasurys and long-dated bonds are particularly susceptible to changes in interest rates. So, long-term Treasurys are not good for those looking for a short-term investment.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-risksspan')" :labelledBy="$id('heading-span-classtext-risksspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>As with a bond fund, individual bonds are not backed by the FDIC, but are backed by the government’s promise to repay the money, so they’re considered very safe.</p> <p>But inflation can erode the purchasing power of Treasurys and long-dated bonds are particularly susceptible to changes in interest rates. So, long-term Treasurys are not good for those looking for a short-term investment.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-rewardsspan', 'heading-span-classtext-rewardsspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-rewardsspan')" :aria-controls="$id('panel-span-classtext-rewardsspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" rewards " data-position="2" data-text=" Rewards " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Rewards</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Treasury bills are among the safest investments around, but that safety comes at a cost: lower yields.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-rewardsspan')" :labelledBy="$id('heading-span-classtext-rewardsspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Treasury bills are among the safest investments around, but that safety comes at a cost: lower yields.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-liquidityspan', 'heading-span-classtext-liquidityspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-liquidityspan')" :aria-controls="$id('panel-span-classtext-liquidityspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" liquidity " data-position="3" data-text=" Liquidity " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Liquidity</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>U.S. government bonds are the most liquid bonds on the exchanges, and can be bought and sold on any day the market is open.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-liquidityspan')" :labelledBy="$id('heading-span-classtext-liquidityspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>U.S. government bonds are the most liquid bonds on the exchanges, and can be bought and sold on any day the market is open.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-where-to-get-themspan', 'heading-span-classtext-where-to-get-themspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-where-to-get-themspan')" :aria-controls="$id('panel-span-classtext-where-to-get-themspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" where to get them " data-position="4" data-text=" Where to get them " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Where to get them</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>You can buy Treasurys right from the government on TreasuryDirect.gov or from any broker that allows the purchase of individual bonds.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-where-to-get-themspan')" :labelledBy="$id('heading-span-classtext-where-to-get-themspan')" 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>You can buy Treasurys right from the government on TreasuryDirect.gov or from any broker that allows the purchase of individual bonds.</p></div> </div> </div> </noscript> </li> </ul> <div class="vertical-spacer pt-4" style="width: 100%; content: '';"></div> </div> <div id="investing-widget" class="SectionWithTocItem " > <div id="top-funnel-content-mid"class="myFinance-widget"></div> </div> <div id="short-term-money" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>Best investments for short-term money</h2></div> <div x-data="table({ containerId: '96b5a8d3-f178-4fc1-9b97-69d7cc3d2b57', tableId: 'table-96b5a8d3-f178-4fc1-9b97-69d7cc3d2b57', buttonId: 'button-96b5a8d3-f178-4fc1-9b97-69d7cc3d2b57', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="96b5a8d3-f178-4fc1-9b97-69d7cc3d2b57" class="table-container" tabindex="0"> <table id="table-96b5a8d3-f178-4fc1-9b97-69d7cc3d2b57" class="Table table-content "> <thead> <tr> <th class="text-left"> When you need the money</th> <th class="text-right"> Investment Options</th> <th class="text-right"> Potential Interest Rate</th> <th class="text-right"> Risk</th> </tr> </thead> <tbody> <tr id="aa600c8c-7a45-4c7d-a0f1-ae6cbba771a3" class=""> <td data-col="1" class="text-left"> A year or less</td> <td data-col="2" class="text-right"> High-yield savings and money market accounts, cash management accounts</td> <td data-col="3" class="text-right"> 4.5+ percent</td> <td data-col="4" class="text-right"> Low risk and accounts are backed by the FDIC.</td> </tr> <tr id="f318f273-1e03-4dab-bb95-403fe9cb8f3c" class=""> <td data-col="1" class="text-left"> Two to three years</td> <td data-col="2" class="text-right"> Treasurys and bond funds, CDs</td> <td data-col="3" class="text-right"> <div class=""> <a class="Link table-link" href="https://www.bankrate.com/banking/cds/best-3-year-cd-rates/" > 4.0+ percent</a> </div> </td> <td data-col="4" class="text-right"> Bank products and Treasurys are safest, corporate bond funds slightly less so.</td> </tr> <tr id="2b6c2ac8-7345-46dc-9cb8-706df3fe09d7" class=""> <td data-col="1" class="text-left"> Three to five years (or more)</td> <td data-col="2" class="text-right"> CDs, bonds and bond funds, and even stocks for longer periods</td> <td data-col="3" class="text-right"> 4.5+ percent (or much more if you’re investing in stocks)</td> <td data-col="4" class="text-right"> CDs and bonds are relatively low risk compared to stocks, which can fluctuate a lot and are high risk.</td> </tr> </tbody> </table> <table id="header-fixed-96b5a8d3-f178-4fc1-9b97-69d7cc3d2b57" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> </div> <div id="good-short-term-investment" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>What makes a good short-term investment?</h2> <p>Good short-term investments may have many things in common, but they are typically characterized by the following three traits:</p> <ul> <li><strong>Stability: </strong>Good short-term investments don’t fluctuate too much in value, as many stocks and bonds do. The money will be there when you need it, and is often protected by FDIC insurance or a government guarantee.</li> <li><strong>Liquidity: </strong>A good short-term investment usually offers high liquidity, meaning that you can access the cash invested in it quickly. In the case of certain CDs, you’ll know when the money becomes available, and you can always redeem the CD, though it will often come with a penalty, unless you opt for a no-penalty CD.</li> <li><strong>Low transaction costs: </strong>A good short-term investment doesn’t cost a lot of money to get into or out of, unlike a house, for example. That’s especially important when yields on short-term investments are low.</li> </ul> <p>These features mean that your money will not be at risk and will be accessible when you need to use it, which is one of the major reasons to have a short-term investment. In contrast, you can earn a higher return on long-term investments but must endure more short-term volatility. If you need that money, though, you might have to sell a long-term investment at a loss to access it fully.</p></div> </div> <div id="bottom-line" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>Tips for investing money for five years or less</h2> <p>If you’re investing money for five years or less, you should have a different process than if you were investing with a time horizon of decades. Instead, you need to approach short-term investing with the following tips:</p> <ul> <li><strong>Set your expectations.</strong> Short-term investments will have lower potential returns than long-term investments, so it’s important to set your expectations appropriately.</li> <li><strong>Focus on safety.</strong> In general, if you’re investing for the short term, you should focus on safety rather than return. <a class="Link" href="https://www.bankrate.com/banking/faq-bank-safety-and-deposit-insurance/">Your money should be there when you need it</a>.</li> <li><strong>A little extra return may not be worth the extra risk.</strong> With short-term investments typically offering low returns, it can be easy to try to get a little extra return at the expense of a lot more risk. But focus on why you’re investing for the short term.</li> <li><strong>Pick the investment based on your needs.</strong> You might be able to <a class="Link" href="https://www.bankrate.com/banking/cds/current-cd-interest-rates/">earn a little extra on that CD</a>, but what if you need to access the money before it matures? Calibrate your investment type to your needs.</li> <li><strong>Not all short-term investments are equal.</strong> Bank products are backed by the FDIC, so you won’t lose any principal as long as you <a class="Link" href="https://www.bankrate.com/banking/failure-fdic-insurance-limits/">stay within the FDIC’s limits</a>. But market-based products, even safe ones like short-term bond funds, could decline over short periods. Understand the risks of your investments.<br />Short-term investments are usually pretty safe, especially relative to longer-term investments such as stocks or stock funds. But be sure you understand what you’re investing in.</li> </ul> <p class="text-sm text-slate text-gray-700"><em>Editorial Disclaimer: All investors are advised to conduct their own independent research into investment strategies before making an investment decision. In addition, investors are advised that past investment product performance is no guarantee of future price appreciation.</em></p></div> </div> <div id="related-content" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h3 class="type-heading-two"> Related content: Basics of investing </h3> </div> <div class="article-card-list"> <h2 class="border-gray border-solid border-b pb-4 mb-6"> </h2> <div class="display-grid grid-cols-1 sm:grid-cols-2 md:grid-cols-3 gap-6"> <div data-beam-element-clicked id="article-card-list-slide-1" data-type="link" data-location="bottom" data-name="article card list slide Active vs. Passive Investing" data-position="1" data-text="Active vs. Passive Investing" data-outcome="internallink" > <div class="ArticleSeriesCard Card flex-direction-row align-items-center rounded-none border-b"> <div class="ArticleSeriesCard__ImageContainer"> <img loading="lazy" 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data-name="article card list slide 6 Best Investments for Beginners" data-position="3" data-text="6 Best Investments for Beginners" data-outcome="internallink" > <div class="ArticleSeriesCard Card flex-direction-row align-items-center rounded-none border-b"> <div class="ArticleSeriesCard__ImageContainer"> <img loading="lazy" src="https://www.bankrate.com/f/102997/720x405/93f262f2d4/how-to-invest-in-index-funds.jpeg?auto=webp&fit=crop&width=85&height=74&enable=upscale" alt=""> </div> <div class="w-full p-3"> <h4 class="ArticleSeriesCard-title type-heading-four m-0"> <a href="/investing/best-investments-for-beginners/" class="Card-link text-black" data-beam-element-clicked-no-delay id="" data-type="" data-location="" data-name="" data-position="" data-text="" data-outcome="" > 6 Best Investments for Beginners<span class="type-body-three font-bold text-slate uppercase display-block pt-2"> <span class="is-visited display-none">Previously Read</span> <span class="is-unvisited">4 MIN 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res([]); } else { // loop through the keys of the result object for (const key in result) { result[key].ruleName = key; result[key].ruleSetId = ruleSetCustomId; } res(Object.values(result)); } } ); }); } const assets = await getMonarchRuleSet(ruleSetId); /** * Helper that transforms Monarch assets into a dictionary * to be used by the Wealth Rate Table application. */ const formatDictionary = (assets) => { return assets.reduce((acc, curr) => { // handles wealth assets if (curr.metadata) { const parsedMetadata = JSON.parse(curr.metadata); acc[parsedMetadata._featureName] = parsedMetadata; } // handles JO assets if (curr.assetPlacements?.length) { curr.assetPlacements.forEach((assetPlacement) => { if (assetPlacement.asset.metadata) { const parsedMetadata = JSON.parse(assetPlacement.asset .metadata); acc[parsedMetadata._featureName] = parsedMetadata; } }); } return acc; }, {}); } const formatWealthAssets = (assets) => { // Containing object to deliver processed assets to rate table let assetDictionary = {}; // Handles assets if they are deployed via multiple rules const multipleRules = Object.values(assets); // If multiple rules are detected if (multipleRules.length) { const formattedAssets = formatDictionary(multipleRules); assetDictionary = { ...assetDictionary, ...formattedAssets }; } // If single rule with one or many assets if (assets.length) { const formattedAssets = formatDictionary(assets); assetDictionary = { ...assetDictionary, ...formattedAssets }; } return assetDictionary; }; if (assets.length === 0) { return; } // Checks if we're on a page that contains the Wealth Rate Table if (typeof window.setMonarchAssets === 'function') { // Invokes method that will trigger a Wealth Rate Table state update window.setMonarchAssets(formatWealthAssets(assets)); } if (!window.jo) { // Initialize jo object on the window window.jo = {}; // Store Monarch assets within jo object window.jo.monarchAssets = []; // Create a method to push Monarch assets to monarchAssets array window.jo.storeMonarchMetadata = function storeMonarchMetadata(asset) { window.jo.monarchAssets.push(asset); } /** * Retrieve the JSON metadata for a Monarch-served preamp asset on the current page via ID. * * @NOTE "ID" refers to a nonstandard field that may be included in a JSON asset, NOT a preamp asset ID. */ window.jo.getMonarchMetadataById = function getMonarchMetadataById(id) { const matchedAsset = window.jo.monarchAssets.find(asset => { if (!asset.metadata) { return false; } try { const metadataJSON = JSON.parse(asset.metadata); const isAssetMatch = metadataJSON?.__id === id || metadataJSON?.__featureName === id; return isAssetMatch; } catch (error) { console.log(error); } }); if (!matchedAsset) { return {}; }; let metadata; try { metadata = JSON.parse(matchedAsset?.metadata); } catch { metadata = {}; } return metadata; } // Function to retrieve the JSON metadata for a Monarch-served preamp asset by feature name window.jo.getMetadataByFeatureName = function getMetadataByFeatureName(featureName) { const matchedAsset = window.jo.monarchAssets.find(asset => { if (!asset.metadata) { return false; } const metadataJSON = JSON.parse(asset.metadata); return metadataJSON._featureName === featureName; }); if (!matchedAsset) { return {}; } let metadata; try { metadata = JSON.parse(matchedAsset.metadata); } catch { metadata = {}; } return metadata; } } assets.flatMap((a, assetIndex, assets) => { const experienceId = a?.experienceId; const assetPlacements = a?.assetPlacements; const isLast = assetIndex === assets.length - 1; const brDataStoredEvent = new CustomEvent('jo:br-data:stored'); const ruleLoadedEvent = new CustomEvent('monarch:rule:loaded', { detail: { ruleSetId: a.ruleSetId, ruleName: a.ruleName, data: a, }, }); window.dispatchEvent(ruleLoadedEvent); if (containerClass) { if (experienceId) { const targetEl = document.getElementsByClassName(containerClass)[0]; const elements = assetPlacements.flatMap((a) => { window.jo.storeMonarchMetadata(a.asset); return renderPreampResponse(a.asset); }); targetEl.append(...elements); } if (assets && !experienceId) { const targetEl = document.getElementsByClassName(containerClass)[0]; 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