CINXE.COM

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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link"> Explore all banking resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts"> Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts"> Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts"> Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts"> Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link"> Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link"> All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link"> Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link"> Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates"> Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates"> Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates"> Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates"> Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link"> CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link"> CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link"> CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link"> CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link"> Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link"> Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link"> How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link"> MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2024/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2024" data-outcome="send to link"> Best banks of 2024</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link"> Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="3" data-text="Bank reviews" data-outcome="send to link"> Bank reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/federal-reserve/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="4" data-text="Federal Reserve news " data-outcome="send to link"> Federal Reserve news </a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/capital-one/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="1" data-text="Capital One review" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Capital One review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Capital One Bank</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/marcus/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link"> Explore all banking resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></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"></path></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"></path></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($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($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($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($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($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link"> Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($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, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. 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class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024"> Best cards of 2024</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards"> Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards"> Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards"> Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards"> Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards"> Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards"> Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards"> Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link"> Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link"> Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link"> Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link"> Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link"> Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link"> Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link"> Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link"> All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101"> Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice"> Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards"> Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice"> Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice"> Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice"> Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice"> Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link"> Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link"> Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link"> Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></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"></path></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"></path></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($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($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($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($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($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($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($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link"> Explore all loans resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($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 - 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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"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($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 - 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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 - 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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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Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. </p> <p class="text-base text-gray-700"> Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. </p> <h3 class="type-heading-four">How We Make Money</h3> <p class="text-base text-gray-700"> The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. 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We do not include the universe of companies or financial offers that may be available to you. </p> </div> <button data-cy="modalClose" class="Modal-close" type="button" data-target="advertiser-disclosure-modal" aria-label="close" @click="" ></button> </div> </div> </template> </div> </div> </div> <div class="flex gap-6 flex-col md:flex-row"> <div class="basis-1/2 flex-grow"> <h1 class="text-white heading-1 text-pretty"> What is a CD (certificate of deposit)? </h1> <div class="grid grid-cols-[max-content_1fr] gap-y-6 sm:gap-y-2 gap-x-2 sm:gap-x-4 items-center relative z-5" data-cy="byline"> <div class="flex px-[0.125rem] row-span-1 sm:row-span-2"> <img srcset="https://www.bankrate.com/2022/02/15085430/bennett_rene_head.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2022/02/15085430/bennett_rene_head.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, 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src="https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 -ml-2 z-10 shrink-0" alt="Karen Bennett" /> <img srcset="https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" 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size-12 Byline-userAvatar size-6 sm:size-8 -ml-2 z-0 shrink-0" alt="Thomas Brock" /> </div> <div class="col-start-2 text-sm text-blue-200"> Written by <div class="Tooltip hidden sm:inline-block" x-data="interactiveTooltip('Npe11b', )" x-bind="container"> <button class="Tooltip-trigger underline underline-offset-4 font-bold text-white" type="button" id="tooltip-trigger-Npe11b" aria-controls="tooltip-content-Npe11b" x-bind="trigger" > René Bennett </button> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview z-layer-four" style="display: none;" id="tooltip-content-Npe11b" aria-hidden="true" aria-labelledby="tooltip-trigger-Npe11b" role="dialog" x-bind="content" > <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-100 pb-4"> <img class="AuthorPreview-avatar AuthorAvatar shrink-0 AuthorAvatar--lg" srcset="https://www.bankrate.com/2022/02/15085430/bennett_rene_head.jpeg?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/2022/02/15085430/bennett_rene_head.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2022/02/15085430/bennett_rene_head.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2022/02/15085430/bennett_rene_head.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/rene-bennett/" class="Link Link--standalone text-gray-900"> René Bennett </a> </div> <span class="AuthorPreview-title text-sm text-gray-700 text-crop-none">Banking writer</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="text-sm text-gray-900 font-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 !mb-3"> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Banking </li> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Personal finance </li> </ul> </div> </div> <div class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> René Bennett is a former writer for Bankrate, reporting on banking products and personal finance. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/rene-bennett/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="What is a CD (certificate of deposit)?" data-name="footer_author_button" data-position="byline" data-text="read_more_from_author" data-outcome="open author's page" > Read more </a> </div> </div> </div> <button type="button" class="sr-only is-focusable text-link text-gray-900 plain font-bold" @click="close()">Close </button> </div> </div> </div> <div class="inline-block sm:hidden"> <a href="https://www.bankrate.com/authors/rene-bennett/" class="underline underline-offset-4 font-bold text-link plain text-white" data-beam-element-clicked data-type="link" data-location="What is a CD (certificate of deposit)?" data-name="author_link_mobile" data-position="byline" data-text="René Bennett" data-outcome="open author's 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deposit)?" data-name="author_link_mobile" data-position="byline" data-text="Karen Bennett" data-outcome="open author's page" >Karen Bennett</a>, </div> Edited by <div class="Tooltip hidden sm:inline-block" x-data="interactiveTooltip('ZIx2C1', )" x-bind="container"> <button class="Tooltip-trigger underline underline-offset-4 font-bold text-white" type="button" id="tooltip-trigger-ZIx2C1" aria-controls="tooltip-content-ZIx2C1" x-bind="trigger" > Marc Wojno </button>, <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview z-layer-four" style="display: none;" id="tooltip-content-ZIx2C1" aria-hidden="true" aria-labelledby="tooltip-trigger-ZIx2C1" 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-100 pb-4"> <img class="AuthorPreview-avatar AuthorAvatar shrink-0 AuthorAvatar--lg" srcset="https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/marc-wojno/" class="Link Link--standalone text-gray-900"> Marc Wojno </a> </div> <span class="AuthorPreview-title text-sm text-gray-700 text-crop-none">Senior editor, 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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="text-sm text-gray-900 font-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 !mb-3"> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Personal finance </li> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Savings accounts </li> </ul> </div> </div> <div class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Marc Wojno is a seasoned and accomplished finance editor and writer with more than two decades of experience editing and writing across a variety of news platforms including newswires, newsletters, magazines and online news sites. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/marc-wojno/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="What is a CD (certificate of deposit)?" data-name="footer_author_button" data-position="byline" data-text="read_more_from_author" data-outcome="open author's page" > Read more </a> <ul class="AuthorSocialConnect List flex items-center mb-0"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-500 p-3 hover:text-blue-600" href="https://www.linkedin.com/feed/?trk=homepage-basic_sign-in-submit" target="_blank"> <span 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data-beam-element-clicked data-type="link" data-location="What is a CD (certificate of deposit)?" data-name="author_link_mobile" data-position="byline" data-text="Marc Wojno" data-outcome="open author's page" >Marc Wojno</a>, </div> Reviewed by <div class="Tooltip hidden sm:inline-block" x-data="interactiveTooltip('Tzjvgm', )" x-bind="container"> <button class="Tooltip-trigger underline underline-offset-4 font-bold text-white" type="button" id="tooltip-trigger-Tzjvgm" aria-controls="tooltip-content-Tzjvgm" x-bind="trigger" > Thomas Brock </button>, <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview z-layer-four" style="display: none;" id="tooltip-content-Tzjvgm" aria-hidden="true" aria-labelledby="tooltip-trigger-Tzjvgm" 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-100 pb-4"> <img class="AuthorPreview-avatar AuthorAvatar shrink-0 AuthorAvatar--lg" srcset="https://www.bankrate.com/2023/12/06112139/Headshot2-scaled.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/2023/12/06112139/Headshot2-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/12/06112139/Headshot2-scaled.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/2023/12/06112139/Headshot2-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/thomas-brock/" class="Link Link--standalone text-gray-900"> Thomas Brock </a> </div> <span class="AuthorPreview-title text-sm text-gray-700 text-crop-none">Expert Reviewer, CFA, CPA</span> </div> </div> <div class="AuthorPreview-expertise my-4"> </div> <div class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Thomas is a well-rounded financial professional, with over 20 years of experience in investments, corporate finance, and accounting. His investment experience includes oversight of a $4 billion portfolio for an insurance group. Varied finance and accounting work includes the preparation of financial statements and budgets, the development of multiyear financial forecasts, credit analyses, and the evaluation of capital budgeting proposals. In a consulting capacity, he has assisted individuals and businesses of all sizes with accounting, financial planning and investing matters; lent his financial expertise to a few well-known websites; and tutored students via a few virtual forums. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/thomas-brock/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="What is a CD (certificate of deposit)?" data-name="footer_author_button" data-position="byline" data-text="read_more_from_author" data-outcome="open author's page" > Read more </a> </div> <a class="text-blue-600 text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div> <button type="button" class="sr-only is-focusable text-link text-gray-900 plain font-bold" @click="close()">Close </button> </div> </div> </div> <div class="inline-block sm:hidden"> <a href="https://www.bankrate.com/authors/thomas-brock/" class="underline underline-offset-4 font-bold text-link plain text-white" data-beam-element-clicked data-type="link" data-location="What is a CD (certificate of deposit)?" data-name="author_link_mobile" data-position="byline" data-text="Thomas Brock" data-outcome="open author's page" >Thomas Brock</a>, </div> <div class="Tooltip !hidden sm:!inline-block" x-data="interactiveTooltip('zGMNAX', )" x-bind="container"> <button class="Tooltip-trigger" type="button" id="tooltip-trigger-zGMNAX" aria-controls="tooltip-content-zGMNAX" x-bind="trigger" > <svg class="w-4 text-teal-400 align-middle" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Verified Badge Icon</title><path d="M13.007 23.965c-.883 0-1.71-.335-2.336-.95l-.033-.033-.794-.793a1.549 1.549 0 0 0-1.095-.458H7.63a3.362 3.362 0 0 1-3.353-3.35v-1.128c0-.413-.156-.804-.458-1.095l-.782-.781a3.359 3.359 0 0 1-.023-4.736l.023-.022.782-.782c.29-.29.458-.681.458-1.094V7.548a3.36 3.36 0 0 1 3.353-3.273H8.75c.413 0 .805-.167 1.106-.458l.783-.781c1.307-1.307 3.431-1.318 4.739-.011l.793.792c.29.29.693.458 1.095.458h1.118a3.362 3.362 0 0 1 3.353 3.35v1.118c0 .413.157.804.458 1.105l.783.782a3.348 3.348 0 0 1 .011 4.735l-.794.793c-.29.29-.447.682-.447 1.095v1.117c0 .893-.346 1.73-.983 2.367a3.37 3.37 0 0 1-2.37.983h-1.128c-.414 0-.805.168-1.096.458l-.782.782a3.28 3.28 0 0 1-2.358.983h-.012l-.01.022Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M9.665 22.008c.626.614 1.453.95 2.336.95l.011-.023h.011a3.28 3.28 0 0 0 2.359-.983l.782-.782c.29-.29.682-.457 1.095-.457h1.129a3.37 3.37 0 0 0 2.37-.983 3.319 3.319 0 0 0 .983-2.368v-1.117c0-.413.157-.804.447-1.094l.794-.793a3.348 3.348 0 0 0-.012-4.735l-.782-.782a1.545 1.545 0 0 1-.458-1.106V6.618a3.362 3.362 0 0 0-3.353-3.35h-1.118c-.402 0-.805-.168-1.095-.458l-.794-.793a3.354 3.354 0 0 0-4.739.011l-.782.782c-.302.29-.693.458-1.106.458H6.625A3.36 3.36 0 0 0 3.272 6.54v1.195c0 .413-.168.804-.458 1.095l-.783.781-.022.023a3.358 3.358 0 0 0 .022 4.735l.783.782c.301.29.458.681.458 1.094v1.128a3.362 3.362 0 0 0 3.353 3.35h1.118c.413 0 .804.168 1.095.459l.793.793.034.033Zm1.23-1.295-.023-.023h.011l-.771-.77a3.315 3.315 0 0 0-2.358-.972H6.636c-.86 0-1.565-.704-1.565-1.564v-1.128c0-.882-.346-1.72-.972-2.356l-.782-.782a1.563 1.563 0 0 1-.023-2.2l.794-.793A3.31 3.31 0 0 0 5.06 7.77V6.652c0-.86.704-1.564 1.565-1.564h1.118a3.36 3.36 0 0 0 2.369-.971l.782-.782a1.573 1.573 0 0 1 2.224 0l.783.782a3.314 3.314 0 0 0 2.358.971h1.118c.86 0 1.565.704 1.565 1.564v1.117c0 .893.346 1.73.972 2.367l.782.782a1.577 1.577 0 0 1 0 2.211l-.793.793a3.31 3.31 0 0 0-.973 2.357v1.117c0 .424-.167.815-.458 1.105a1.548 1.548 0 0 1-1.106.458h-1.13c-.871 0-1.732.346-2.357.972l-.783.782c-.302.29-.693.457-1.106.457-.414 0-.805-.167-1.096-.457Zm-.04-5.462h.006-.011.005Zm-.631-.257a.905.905 0 0 0 1.263 0l4.549-4.556a.896.896 0 0 0 0-1.262.898.898 0 0 0-1.263 0l-3.923 3.92-1.576-1.575a.898.898 0 0 0-1.263 0 .896.896 0 0 0 0 1.262l2.213 2.211Z" class="icon-base"/></svg> <span class="text-teal-200 underline underline-offset-4 font-bold">Expert verified</span> </button> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter z-20" style="display: none;" id="tooltip-content-zGMNAX" aria-hidden="true" aria-labelledby="tooltip-trigger-zGMNAX" role="dialog" x-bind="content" > <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="pb-2 mb-2 border-b text-gray-900 border-gray-400 font-bold">How is this page expert verified?</div> <div class="text-gray-700 mb-3 text-xs"> <p class="mb-4">At Bankrate, we take the accuracy of our content seriously.</p> <p class="mb-4">“Expert verified” means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. 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Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Here is a list of our <a class="Link" href="/banking/our-partners/" title="our banking partners" target="_blank">banking partners</a>. </p>  <h3 class="type-heading-four"> Key Principles </h3>  <p> We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. </p>  <h3 class="type-heading-four"> Editorial Independence </h3>  <p> Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. 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Illustration by Issiah Davis/Bankrate </div> </figure> <div class="table-of-contents article__main-toc -order-3 md:block md:mb-12 lg:hidden lg:mb-0" x-data='tableOfContents({ items: [{"id":"what-is-a-cd","heading":"What is a CD?"},{"id":"how-does-a-cd-work","heading":"How CDs work"},{"id":"why-should-you-get-a-cd","heading":"Why should you consider getting a CD?"},{"id":"pros-and-cons-of-cds","heading":"Pros and cons of CDs"},{"id":"how-to-build-a-cd-ladder","heading":"How to build a CD ladder"},{"id":"types-of-cds","heading":"Types of CDs"},{"id":"faq","heading":"FAQs about certificates of deposit"}] })' > <div class="py-12 border-y border-blue-200 max-md:hidden" data-beam-element-viewed id="" data-type="LIST" data-location="SHELF-TOC" data-name="shelf_toc" data-position="top" data-text="table_of_contents" data-outcome="INTERNALLINK" > <nav class="flex justify-around items-start gap-6" aria-label="Table of contents" > <p class="shrink-0 w-48 m-0 text-4xl font-bold text-gray-900"> Table of contents </p> <ul class="list-none m-0 flex flex-col gap-4 w-full"> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('what-is-a-cd')}" href="#what-is-a-cd" data-id="what-is-a-cd" @click.prevent="jumpTo('what-is-a-cd')" @keydown.space="jumpTo('what-is-a-cd')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link0" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="What is a CD?" data-position="1" data-text="What is a CD?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('what-is-a-cd') ? 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'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> How CDs work </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('why-should-you-get-a-cd')}" href="#why-should-you-get-a-cd" data-id="why-should-you-get-a-cd" @click.prevent="jumpTo('why-should-you-get-a-cd')" @keydown.space="jumpTo('why-should-you-get-a-cd')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link2" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Why should you consider getting a CD?" data-position="3" data-text="Why should you consider getting a CD?" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('why-should-you-get-a-cd') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> Why should you consider getting a CD? </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('pros-and-cons-of-cds')}" href="#pros-and-cons-of-cds" data-id="pros-and-cons-of-cds" @click.prevent="jumpTo('pros-and-cons-of-cds')" @keydown.space="jumpTo('pros-and-cons-of-cds')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link3" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Pros and cons of CDs" data-position="4" data-text="Pros and cons of CDs" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('pros-and-cons-of-cds') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> Pros and cons of CDs </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('how-to-build-a-cd-ladder')}" href="#how-to-build-a-cd-ladder" data-id="how-to-build-a-cd-ladder" @click.prevent="jumpTo('how-to-build-a-cd-ladder')" @keydown.space="jumpTo('how-to-build-a-cd-ladder')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link4" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="How to build a CD ladder" data-position="5" data-text="How to build a CD ladder" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('how-to-build-a-cd-ladder') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> How to build a CD ladder </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('types-of-cds')}" href="#types-of-cds" data-id="types-of-cds" @click.prevent="jumpTo('types-of-cds')" @keydown.space="jumpTo('types-of-cds')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link5" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Types of CDs" data-position="6" data-text="Types of CDs" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('types-of-cds') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> Types of CDs </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('faq')}" href="#faq" data-id="faq" @click.prevent="jumpTo('faq')" @keydown.space="jumpTo('faq')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link6" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="FAQs about certificates of deposit" data-position="7" data-text="FAQs about certificates of deposit" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('faq') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> FAQs about certificates of deposit </span> </a> </li> </ul> </div> </div> </div> </div> </div> </template> </div> </div> <div class="article__main-content wysiwyg wysiwyg--lg js-ArticleBody -order-2"> <p class="text-sm text-slate"><em>Our writers and editors used an in-house <a class="Link" href="/ai-policy/" target="_blank" rel="noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="natural language generation platform" data-type="LINK" data-position="1" data-name="article-link" data-outcome="INTERNALLINK">natural language generation platform</a> to assist with portions of this article, allowing them to focus on adding information that is uniquely helpful. The article was reviewed, fact-checked and edited by our <a class="Link" href="/editorial-guidelines/" target="_blank" rel="noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="editorial staff" data-type="LINK" data-position="2" data-name="article-link" data-outcome="INTERNALLINK">editorial staff</a> prior to publication.</em></p> <div id="top-funnel-content-top"></div> <div id="top-funnel-content-mid"></div> <div id="c2ea22b8-4ee0-4448-8486-636f8ce7ac50" class="key-takeaways sm:border-l-4 border-[var(--accent)] sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">  <h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4"> <span class="shrink-0">Key takeaways</span> <span class="max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-[var(--accent)] max-sm:rounded-full max-sm:block"></span> </h2>  <ul class="flex flex-col text-gray-700 mb-0 gap-2 list-none"> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> A CD locks in your money for a set period of time, also known as a term, in exchange for providing a guaranteed yield on the funds. </li> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> CDs are offered in terms that typically range from three months to five years, but can be as short as one month to as long as 10 years or more. When choosing a term, consider when you’ll need access to the money. </li> <li class="pl-4 relative before:content-['•'] before:right-full before:absolute before:text-[var(--accent)]"> If you need to withdraw your money before a CD’s term is up, the bank will likely charge you an early withdrawal penalty that eats away at your interest (and sometimes the principal). </li> </ul> </div> <p>A <a href="https://www.bankrate.com/banking/cds/cd-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="certificate of deposit" data-type="LINK" data-position="3" data-name="article-link" data-outcome="INTERNALLINK">certificate of deposit</a> (CD) is a low-risk deposit account that earns a fixed rate of return. In exchange for this guaranteed yield, you agree to lock up your money until the CD’s term expires. CDs are best used for money you won’t need before the term is up. Accessing the money prior to that results in an early withdrawal penalty.</p> <h2 id="what-is-a-cd" data-beam-element-viewed data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Banking, CDs" data-position="h2_second_placement" data-name="h2_second_placement" data-text="What is a CD?" data-outcome>What is a CD?</h2> <p>A CD is a type of account offered by <a href="https://www.bankrate.com/awards/2022/best-banks/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="banks" data-type="LINK" data-position="4" data-name="article-link" data-outcome="INTERNALLINK">banks</a> and <a href="https://www.bankrate.com/banking/best-credit-unions/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="credit unions" data-type="LINK" data-position="5" data-name="article-link" data-outcome="INTERNALLINK">credit unions</a> that pays interest on your money for a set period of time. These accounts pay a guaranteed rate of return. CDs sometimes offer a better annual percentage yield (APY) than traditional savings accounts, although the gap isn’t as wide as it once was.</p> <p>If you visit a <a href="https://www.bankrate.com/banking/cds/what-are-brokered-cds/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="brokerage firm" data-type="LINK" data-position="6" data-name="article-link" data-outcome="INTERNALLINK">brokerage firm</a>, you’ll find that some of them also offer CDs from different financial institutions.</p> <h2 id="how-does-a-cd-work">How CDs work</h2> <p>A CD locks in your money for a set period of time in exchange for a guaranteed APY. Understanding all the features of a CD can help you decide whether one is right for you:</p> <ul> <li> <strong>Term:</strong> When you <a href="https://www.bankrate.com/banking/cds/how-do-cds-work/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="open a CD" data-type="LINK" data-position="7" data-name="article-link" data-outcome="INTERNALLINK">open a CD</a>, you have to select a term, which is the length of time the money remains in the account. For example, if you open a CD with a one-year term, you agree to keep your money in the account for one year. After the CD’s term ends, the <a href="https://www.bankrate.com/banking/cds/what-to-do-when-cd-matures/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="CD matures" data-type="LINK" data-position="8" data-name="article-link" data-outcome="INTERNALLINK">CD matures</a> and you may either withdraw the money or renew the CD.</li> <li aria-level="1"> <b>Early withdrawal penalty:</b> Early withdrawals from a traditional CD could incur a <a href="https://www.bankrate.com/banking/cds/cd-early-withdrawal-can-come-at-a-high-price/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="stiff penalty" data-type="LINK" data-position="9" data-name="article-link" data-outcome="INTERNALLINK">stiff penalty</a> that eats into interest earnings and sometimes part of the principal. The longer the term of the CD, the heftier the fee tends to be. Typically the fee is calculated based on a specified number of days’ worth of interest.</li> <li aria-level="1"> <b>APY:</b> The APY is your CD’s rate of return. The higher the APY of the CD, the more interest it will earn. Typically, CDs compensate for their reduced flexibility compared to savings accounts with higher rates.</li> <li aria-level="1"> <b>Minimum opening deposit:</b> Some banks don’t require any set minimum deposit when you open your CD, while others may require amounts such as $500, $2,500 or more. Unlike a savings account, you’re not able to add more funds to a CD once you’ve opened it.</li> <li aria-level="1"> <b>Grace period:</b> Once a CD matures, the bank will give you some time to either withdraw your money or roll it into a new CD. Often, the grace period is between five and ten days. If you make no changes during the grace period, most banks will automatically roll the balance into a new CD.</li> </ul> <h2 id="why-should-you-get-a-cd">Why should you consider getting a CD?</h2> <p>CDs are a low-risk place to stash cash and get a guaranteed rate of return. That makes them good investments for short- to medium-term goals, like <a href="https://www.bankrate.com/banking/savings/how-to-save-for-a-car/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="saving for a new car" data-type="LINK" data-position="10" data-name="article-link" data-outcome="INTERNALLINK">saving for a new car</a> or for a <a href="https://www.bankrate.com/banking/savings/how-to-save-for-a-house/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="down payment on a home" data-type="LINK" data-position="11" data-name="article-link" data-outcome="INTERNALLINK">down payment on a home</a>.</p> <p>Because there’s generally a penalty for making an early withdrawal from a CD, it’s also a good place to store money you want to keep from touching for a specific amount of time. You may earn more than you would through a <a href="https://www.bankrate.com/banking/savings/rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="standard savings account" data-type="LINK" data-position="12" data-name="article-link" data-outcome="INTERNALLINK">standard savings account</a>, too.</p> <p>However, a CD isn’t necessarily the best option for everyone or every circumstance. Minimum deposits for CDs can be higher than the ones tied to savings accounts. A CD also might not be the best option if you <a href="https://www.bankrate.com/banking/savings/starting-an-emergency-fund/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="need the money for an emergency" data-type="LINK" data-position="13" data-name="article-link" data-outcome="INTERNALLINK">need the money for an emergency</a>. In that case, you’re better off keeping the money in an account with more liquidity, like a savings or <a href="https://www.bankrate.com/banking/money-market/rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="money market account" data-type="LINK" data-position="14" data-name="article-link" data-outcome="INTERNALLINK">money market account</a>.</p> <p>Though they may earn more interest than savings accounts, CDs are still a low-risk investment, and therefore they have lower yields than what could be earned by <a href="https://www.bankrate.com/investing/how-to-buy-sp-500-index-fund/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="putting money in the stock market" data-type="LINK" data-position="15" data-name="article-link" data-outcome="INTERNALLINK">putting money in the stock market</a>. To earn a higher rate of return, aim for a <a href="https://www.bankrate.com/investing/best-investments/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="riskier investment" data-type="LINK" data-position="16" data-name="article-link" data-outcome="INTERNALLINK">riskier investment</a>.</p> <h2>How to choose a CD</h2> <p>If you think that opening a CD is right for you, it’s a good idea to sit down and think carefully about <a href="https://www.bankrate.com/banking/cds/top-tips-for-choosing-best-cd/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="which CD you should open" data-type="LINK" data-position="17" data-name="article-link" data-outcome="INTERNALLINK">which CD you should open</a>. Consider these factors:</p> <ul> <li aria-level="1"> <b>The CD term. </b>Start by thinking about how long the CD’s term should be because this will impact other aspects of your decision. Remember that your money is locked in the CD for the full length of the term, so choose a term that lines up with when you’ll need the money back.</li> </ul> <ul> <li aria-level="1"> <b>Consider unique features. </b>Some banks offer CDs with unusual features. For example, <a href="https://www.bankrate.com/banking/reviews/ally-bank/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Ally Bank" data-type="LINK" data-position="18" data-name="article-link" data-outcome="INTERNALLINK">Ally Bank</a> offers a “Raise Your Rate” CD which lets you boost the rate of the CD once or twice during its term so long as market rates have risen since the account was opened. Some unique CD features may appeal depending on your goals.</li> </ul> <ul> <li aria-level="1"> <b>Minimum deposit. </b>Banks typically require a minimum deposit before you can open an account. The minimum can range widely, with some banks having very high requirements. Make sure you can meet the minimum deposit before you get too attached to a specific CD.</li> </ul> <ul> <li aria-level="1"> <b>Interest rate. </b>Based on your desired CD term, features, and the minimum deposit requirements you can meet, look for the CD with the higher available rate. Remember, the higher the APY of the CD, the more interest you’ll earn.</li> </ul> <ul> <li aria-level="1"> <b>Early withdrawal penalty. </b>While you shouldn’t plan for an early withdrawal, if two CDs are very similar, check to see what penalty each charges if you do make an early withdrawal. Opting for the account with the lower penalty could save you some cash if something unexpected happens.</li> </ul> <h2>What happens when a CD matures?</h2> <p>When a CD matures, it enters a grace period. This is the period of time where you have the opportunity to make changes to the account, whether that’s withdrawing your money, depositing more, or rolling the balance into a new CD, either with the same or a different term.</p> <p>Depending on the bank, the CD’s grace period usually lasts between five and ten days.</p> <p>If you make no changes during the grace period, the bank will usually roll the CD’s balance into a new CD with the same term as the previous one. The interest rate of the new CD will be whatever the current rate the bank offers is, which may be higher or lower than the previous CD’s rate.</p> <p>Once the grace period ends and the bank opens a new CD for you, you’ll be subject to early withdrawal penalties if you want to make any changes. That makes it very important to keep an eye on your CDs’ maturity dates, lest your money get trapped in a CD for longer than you planned.</p> <h2 id="pros-and-cons-of-cds">Pros and cons of CDs</h2> <h3>Pros</h3> <ul> <li> <b>Safety:</b> CDs are insured at banks that are members of the <a href="https://www.bankrate.com/banking/fdic-insurance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Federal Deposit Insurance Corp. (FDIC)" data-type="LINK" data-position="19" data-name="article-link" data-outcome="INTERNALLINK">Federal Deposit Insurance Corp. (FDIC)</a> and at credit unions insured by the <a href="https://www.bankrate.com/banking/credit-unions/ncua-how-your-savings-at-credit-unions-are-insured-by-the-government/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="National Credit Union Administration (NCUA)" data-type="LINK" data-position="20" data-name="article-link" data-outcome="INTERNALLINK">National Credit Union Administration (NCUA)</a> for up to $250,000 per account owner, per bank, per account type.</li> <li> <strong>Predictability:</strong> You’ll get a guaranteed rate of return.</li> <li> <strong>Higher APYs:</strong> CDs can offer higher <a href="https://www.bankrate.com/banking/cds/current-cd-interest-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="APYs" data-type="LINK" data-position="21" data-name="article-link" data-outcome="INTERNALLINK">APYs</a> than traditional savings or money market accounts.</li> <li> <strong>Options:</strong> There are several different types of CDs for various financial needs, as well as many term options.</li> <li> <strong>Availability:</strong> CDs are widely available from traditional banks, credit unions and online banks.</li> </ul> <h3>Cons</h3> <ul> <li aria-level="1"> <b>Liquidity:</b> CDs lack liquidity, requiring that you lock away your money for a set period of time.</li> <li aria-level="1"> <b>Penalties:</b> CDs often have stiff penalties for withdrawing money before the maturity date.</li> <li aria-level="1"> <b>Risk:</b> Some CDs, such as <a href="https://www.bankrate.com/banking/cds/callable-cd/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="callable CDs" data-type="LINK" data-position="22" data-name="article-link" data-outcome="INTERNALLINK">callable CDs</a>, are riskier than other types. Early withdrawal penalties also pose a risk.</li> <li aria-level="1"> <b>Taxes:</b> You’ll pay taxes on interest that accumulates in your CD during the term.</li> <li aria-level="1"> <b>Lower returns:</b> CDs don’t offer returns as high as some other investments, like stocks or bonds.</li> </ul> <h2>CDs vs. savings accounts</h2> <p>CDs and traditional savings accounts both help you save money and earn interest, but <a href="https://www.bankrate.com/banking/cd-vs-savings/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="choosing between them" data-type="LINK" data-position="23" data-name="article-link" data-outcome="INTERNALLINK">choosing between them</a> can be difficult. Each is useful for different purposes.</p> <ul> <li> <strong>Savings accounts are a better place for funds you might need to access at a moment’s notice.</strong> That’s because you typically can withdraw money from a savings account up to six times a month without a fee. This makes savings accounts good for holding an <a href="https://www.bankrate.com/banking/savings/starting-an-emergency-fund/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="emergency fund" data-type="LINK" data-position="24" data-name="article-link" data-outcome="INTERNALLINK">emergency fund</a> or money for very short-term goals. CDs, on the other hand, usually charge an early withdrawal penalty when you need to access the funds before the term is up.</li> <li> <strong>CDs can be a better place for funds you won’t need in the near future. </strong>Because you lock the funds in, a CD can help keep you from spending money on impulse purchases.</li> <li> <strong>Savings account APYs can change over time, whereas CDs earn a fixed APY.</strong> Whether a variable or fixed APY is better depends on the current rate environment. Having a variable rate can be advantageous at a time when rates are increasing, while having a fixed rate can be better when rates are falling.</li> </ul> <p>Ultimately, if you’re looking for quick and easy access to your funds, consider keeping your money in a traditional savings account. If you have some money that you’re willing and able to part with for a set amount of time, consider a CD.</p> <h2 id="how-to-build-a-cd-ladder">How to build a CD ladder</h2> <p>A <a href="https://www.bankrate.com/banking/cds/cd-ladder-guide/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="CD ladder" data-type="LINK" data-position="25" data-name="article-link" data-outcome="INTERNALLINK">CD ladder</a> is a strategy in which you purchase multiple CDs with different maturity dates. Laddering CDs can reduce risk and allow an investor to have access to cash at regular intervals while still taking advantage of higher interest rates.</p> <p>First decide how much you’d like to save and how often you want money to become available from matured CDs.</p> <p>As an example, let’s say you want to build a five-year ladder with five rungs. If you have $5,000 to invest, you could place $1,000 in each rung. It would look like this:</p> <ul> <li>$1,000 in a <a href="https://www.bankrate.com/banking/cds/best-1-year-cd-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="one-year CD" data-type="LINK" data-position="26" data-name="article-link" data-outcome="INTERNALLINK">one-year CD</a> </li> <li>$1,000 in a <a href="https://www.bankrate.com/banking/cds/best-2-year-cd-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="two-year CD" data-type="LINK" data-position="27" data-name="article-link" data-outcome="INTERNALLINK">two-year CD</a> </li> <li>$1,000 in a <a href="https://www.bankrate.com/banking/cds/best-3-year-cd-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="three-year CD" data-type="LINK" data-position="28" data-name="article-link" data-outcome="INTERNALLINK">three-year CD</a> </li> <li>$1,000 in a <a href="https://www.bankrate.com/banking/cds/best-4-year-cd-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="four-year CD" data-type="LINK" data-position="29" data-name="article-link" data-outcome="INTERNALLINK">four-year CD</a> </li> <li>$1,000 in a <a href="https://www.bankrate.com/banking/cds/best-5-year-cd-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="five-year CD" data-type="LINK" data-position="30" data-name="article-link" data-outcome="INTERNALLINK">five-year CD</a> </li> </ul> <p>With this setup, a CD would mature each year, and the CDs with the longer terms would likely yield the highest returns — although that’s not necessarily the case in the <a href="https://www.bankrate.com/banking/cds/current-cd-interest-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="current CD rate environment" data-type="LINK" data-position="31" data-name="article-link" data-outcome="INTERNALLINK">current CD rate environment</a>.</p> <p>One way to extend the ladder even further is by rolling the money from a CD that has just matured into a new five-year CD.</p> <p>Use Bankrate’s <a href="https://www.bankrate.com/banking/cds/cd-ladder-calculator/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="CD ladder calculator" data-type="LINK" data-position="32" data-name="article-link" data-outcome="INTERNALLINK">CD ladder calculator</a> to help build a CD ladder that fits your budget and timeline.</p> <h2 id="types-of-cds">Types of CDs</h2> <p>While all <a href="https://www.bankrate.com/banking/cds/what-type-of-cd-is-best/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="types of CDs" data-type="LINK" data-position="33" data-name="article-link" data-outcome="INTERNALLINK">types of CDs</a> involve stashing money away for a designated term, some CDs come with added features or more flexibility. The different types are:</p> <div class="DefinitionList mb-8 DefinitionList--table">  <h3 class="type-heading-three leading-8 sm:leading-10 mb-6"> </h3>  <dl> <div class="Definition-item flex"> <dt class="text-gray-900">Traditional CDs</dt> <dd class="text-gray-700">Traditional CDs, the most common type of CDs, feature a fixed APY and a fixed term. You’ll get hit with a penalty for withdrawing money early.</dd> </div> <div class="Definition-item flex"> <dt class="text-gray-900">No-penalty CDs</dt> <dd class="text-gray-700">These CDs, also known as liquid CDs, offer the ability to withdraw money early without paying a penalty. They often have lower rates than traditional CDs with the same term.</dd> </div> <div class="Definition-item flex"> <dt class="text-gray-900">Bump-up CDs</dt> <dd class="text-gray-700">If rates rise during the CD term, bump-up CDs give you the option of a once-per-term rate increase.</dd> </div> <div class="Definition-item flex"> <dt class="text-gray-900">Step-up CDs</dt> <dd class="text-gray-700">Like bump-up CDs, step-up CDs offer the ability to increase your rate in a rising-rate environment. The difference is that step-up CDs offer automatic increases at certain intervals.</dd> </div> <div class="Definition-item flex"> <dt class="text-gray-900">IRA CDs</dt> <dd class="text-gray-700">These are CDs held in an <a href="https://www.bankrate.com/investing/what-is-an-ira/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="individual retirement account (IRA)" data-type="LINK" data-position="34" data-name="article-link" data-outcome="INTERNALLINK">individual retirement account (IRA)</a>.</dd> </div> </dl> </div> <h2 id="faq">FAQs about certificates of deposit</h2> <ul class="Accordion"> <li x-id="['panel-what-cd-term-should-i-get', 'heading-what-cd-term-should-i-get']" x-data="{ expanded: false }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:p-6 group" :id="$id('heading-what-cd-term-should-i-get')" :aria-controls="$id('panel-what-cd-term-should-i-get')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded"><h3 class="Accordion-title mr-2 md:flex-1 my-0">What CD term should I get?</h3> <div class="m-0 leading-none"><span class="Accordion-icon Icon Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><path d="m14 6.9-1.5-1.4L8 9.7 3.5 5.5 2 6.9l6 5.6 6-5.6Z" class="icon-base" fill="currentColor"></path><title>Caret Down</title></svg></span></div></button><div class="Accordion-contentWrapper" :id="$id('panel-what-cd-term-should-i-get')" :labelledby="$id('heading-what-cd-term-should-i-get')" x-show="expanded" x-collapse role="region"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6">Choosing a CD term should be based on when you’ll need access to the money. For instance, if you plan to go on vacation in a year, a one-year CD could be a good term to go with. If you plan to buy a house in three years, then a three-year term could be right for you. Longer-term CDs may have higher APYs than shorter-term ones, although this isn’t always the case.</div></div> </li> <li x-id="['panel-how-are-cd-rates-determined', 'heading-how-are-cd-rates-determined']" x-data="{ expanded: false }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:p-6 group" :id="$id('heading-how-are-cd-rates-determined')" :aria-controls="$id('panel-how-are-cd-rates-determined')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded"><h3 class="Accordion-title mr-2 md:flex-1 my-0">How are CD rates determined?</h3> <div class="m-0 leading-none"><span class="Accordion-icon Icon Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><path d="m14 6.9-1.5-1.4L8 9.7 3.5 5.5 2 6.9l6 5.6 6-5.6Z" class="icon-base" fill="currentColor"></path><title>Caret Down</title></svg></span></div></button><div class="Accordion-contentWrapper" :id="$id('panel-how-are-cd-rates-determined')" :labelledby="$id('heading-how-are-cd-rates-determined')" x-show="expanded" x-collapse role="region"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6">One factor that can affect CD rates is changes to the <a href="https://www.bankrate.com/rates/interest-rates/federal-funds-rate/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="federal funds rate" data-type="LINK" data-position="35" data-name="article-link" data-outcome="INTERNALLINK">federal funds rate</a>, which is the Federal Reserve’s benchmark rate. When this rate goes up, competitive banks increase their APYs, and when the rate goes down, they tend to lower their rates, in turn. Another factor that often affects CD rates is competition among banks as they try to win over customers from other banks through higher yields.A CD’s term may also affect its rate, since historically, banks have often paid higher rates to customers willing to lock in their funds in CDs for longer terms. However, today many banks are paying higher yields on one-year CDs than five-year ones, for instance. As such, it pays to compare rates among terms before choosing the one that’s best for you.</div></div> </li> <li x-id="['panel-what-are-the-different-types-of-cds', 'heading-what-are-the-different-types-of-cds']" x-data="{ expanded: false }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:p-6 group" :id="$id('heading-what-are-the-different-types-of-cds')" :aria-controls="$id('panel-what-are-the-different-types-of-cds')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded"><h3 class="Accordion-title mr-2 md:flex-1 my-0">What are the different types of CDs?</h3> <div class="m-0 leading-none"><span class="Accordion-icon Icon Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><path d="m14 6.9-1.5-1.4L8 9.7 3.5 5.5 2 6.9l6 5.6 6-5.6Z" class="icon-base" fill="currentColor"></path><title>Caret Down</title></svg></span></div></button><div class="Accordion-contentWrapper" :id="$id('panel-what-are-the-different-types-of-cds')" :labelledby="$id('heading-what-are-the-different-types-of-cds')" x-show="expanded" x-collapse role="region"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6">Types of CDs include traditional CDs, no-penalty CDs, <a href="https://www.bankrate.com/banking/cds/best-jumbo-cd-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="jumbo CDs" data-type="LINK" data-position="36" data-name="article-link" data-outcome="INTERNALLINK">jumbo CDs</a>, bump-up CDs, step-up CDs, <a href="https://www.bankrate.com/banking/cds/zero-coupon-cd/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="zero-coupon CDs" data-type="LINK" data-position="37" data-name="article-link" data-outcome="INTERNALLINK">zero-coupon CDs</a>, callable CDs and IRA CDs.</div></div> </li> <li x-id="['panel-can-you-lose-money-on-a-cd', 'heading-can-you-lose-money-on-a-cd']" x-data="{ expanded: false }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:p-6 group" :id="$id('heading-can-you-lose-money-on-a-cd')" :aria-controls="$id('panel-can-you-lose-money-on-a-cd')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded"><h3 class="Accordion-title mr-2 md:flex-1 my-0">Can you lose money on a CD?</h3> <div class="m-0 leading-none"><span class="Accordion-icon Icon Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><path d="m14 6.9-1.5-1.4L8 9.7 3.5 5.5 2 6.9l6 5.6 6-5.6Z" class="icon-base" fill="currentColor"></path><title>Caret Down</title></svg></span></div></button><div class="Accordion-contentWrapper" :id="$id('panel-can-you-lose-money-on-a-cd')" :labelledby="$id('heading-can-you-lose-money-on-a-cd')" x-show="expanded" x-collapse role="region"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6">CDs are very safe, so it’s hard to lose money on them. They’re fully insured by the FDIC up to the $250,000 per depositor, per bank limit, so even if the bank fails, you’ll be reimbursed so long as your balance remains under $250,000. The main way to lose money on a CD is by making a withdrawal early in the CD’s term. If the withdrawal comes early enough, the penalty may be large enough to cost all of the interest you’ve earned as well as some principal.</div></div> </li> </ul> <script type="application/ld+json">{"@context":"https:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What CD term should I get?","acceptedAnswer":{"@type":"Answer","text":"Choosing a CD term should be based on when you’ll need access to the money. For instance, if you plan to go on vacation in a year, a one-year CD could be a good term to go with. If you plan to buy a house in three years, then a three-year term could be right for you. Longer-term CDs may have higher APYs than shorter-term ones, although this isn’t always the case."}},{"@type":"Question","name":"How are CD rates determined?","acceptedAnswer":{"@type":"Answer","text":"One factor that can affect CD rates is changes to the federal funds rate, which is the Federal Reserve’s benchmark rate. When this rate goes up, competitive banks increase their APYs, and when the rate goes down, they tend to lower their rates, in turn. Another factor that often affects CD rates is competition among banks as they try to win over customers from other banks through higher yields.A CD’s term may also affect its rate, since historically, banks have often paid higher rates to customers willing to lock in their funds in CDs for longer terms. However, today many banks are paying higher yields on one-year CDs than five-year ones, for instance. As such, it pays to compare rates among terms before choosing the one that’s best for you."}},{"@type":"Question","name":"What are the different types of CDs?","acceptedAnswer":{"@type":"Answer","text":"Types of CDs include traditional CDs, no-penalty CDs, jumbo CDs, bump-up CDs, step-up CDs, zero-coupon CDs, callable CDs and IRA CDs."}},{"@type":"Question","name":"Can you lose money on a CD?","acceptedAnswer":{"@type":"Answer","text":"CDs are very safe, so it’s hard to lose money on them. They’re fully insured by the FDIC up to the $250,000 per depositor, per bank limit, so even if the bank fails, you’ll be reimbursed so long as your balance remains under $250,000. The main way to lose money on a CD is by making a withdrawal early in the CD’s term. If the withdrawal comes early enough, the penalty may be large enough to cost all of the interest you’ve earned as well as some principal."}}]}</script> <h2>Bottom line</h2> <p>Overall, CDs are safe investments found at banks and credit unions offering a guaranteed rate of return. You have to keep your money locked up for a set period of time, but in exchange, you’ll often get a higher rate than you would with a traditional savings or money market account.</p> <p>In a high-rate environment, the reward for <a href="https://www.bankrate.com/banking/cds/tips/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="saving your money in a CD" data-type="LINK" data-position="38" data-name="article-link" data-outcome="INTERNALLINK">saving your money in a CD</a> is even greater, and you’re guaranteed to earn that high rate for the duration of the term.</p> <p><i>–Freelance writer </i><a href="https://www.bankrate.com/authors/tj-porter/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="TJ Porter" data-type="LINK" data-position="39" data-name="article-link" data-outcome="INTERNALLINK"><i>TJ Porter</i></a><i> contributed to updating this article.</i></p> </div> <div class="flex flex-wrap gap-x-1 gap-y-4 justify-between w-full mb-10">  <button data-beam-element-clicked id="cite_us_article_button" data-type="button" data-location="What is a CD (certificate of deposit)?" data-name="cite_us_button" data-position="footer" data-text="cite_us" data-outcome="cite us" class="transition-all cursor-pointer font-sans font-bold inline-flex justify-center items-center text-center no-underline tracking-tighter focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-offset-2 focus-visible:ring-blue-600 border rounded-full group py-2 px-4 min-h-10 text-sm sm:text-md sm:leading-none bg-white border-blue-600 text-blue-600 hover:border-blue-600 hover:bg-blue-600 hover:text-white focus-visible:border-blue-600 focus-visible:bg-blue-600 focus-visible:text-white active:border-blue-700 active:bg-blue-700 active:text-white" data-target="#cite-us-60697b5f-31e4-4ae3-a543-8e9ec92f76ba-modal" > <svg class="mr-2" width="16" height="16" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Edit Icon</title><path d="M16.489 4.3c-.667 0-1.32.3-1.736.874l-8.97 12.24a4.537 4.537 0 0 0-.833 2.622l.028 2.432c0 .478.236.929.625 1.215.389.287.888.37 1.36.246l2.32-.669c1-.287 1.874-.902 2.471-1.735L20.64 9.41a2.11 2.11 0 0 0-.472-2.964l-2.402-1.722a2.144 2.144 0 0 0-1.263-.41l-.014-.013Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M4.407 21.856c.57.43 1.26.644 1.95.644l-.036-.012c.316 0 .63-.048.934-.131l2.024-.584a5.932 5.932 0 0 0 3.199-2.242l5.932-8.091a1.049 1.049 0 0 0 .092-.125l1.72-2.347a3.726 3.726 0 0 0-.836-5.246L17.289 2.22c-1.696-1.216-4.084-.858-5.332.823l-7.83 10.694a5.888 5.888 0 0 0-1.078 3.422l.025 2.122a3.208 3.208 0 0 0 1.333 2.575ZM17.492 9.507l1.19-1.624a1.84 1.84 0 0 0-.411-2.587l-2.097-1.502a1.871 1.871 0 0 0-1.103-.358l-.012-.012a1.86 1.86 0 0 0-1.515.763l-1.182 1.614 5.13 3.706ZM11.226 7.35l-5.51 7.52a3.96 3.96 0 0 0-.728 2.289l.025 2.122c0 .417.206.81.545 1.061.34.25.776.322 1.188.215l2.024-.585a4.02 4.02 0 0 0 2.157-1.514l5.428-7.402-5.129-3.706Z" class="icon-base"/></svg> <span class="text-base text-gray-900 group-hover:text-white"> Cite us </span> </button>  <div x-data x-init="$nextTick(() => { window.initModal('cite-us-60697b5f-31e4-4ae3-a543-8e9ec92f76ba-modal', 1); })" > <template x-teleport="#modalStack"> <div id="cite-us-60697b5f-31e4-4ae3-a543-8e9ec92f76ba-modal" class="Modal is-closed " role="dialog" aria-hidden="true" > <button class="Modal-overlay" data-target="cite-us-60697b5f-31e4-4ae3-a543-8e9ec92f76ba-modal" aria-label="close" @click="" ></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" > <div class="p-6 bg-white shadow-xl rounded-lg max-w-3xl"> <div class="pb-6 border-b border-gray-100">  <strong class="type-heading-four m-0" id="cite-us-60697b5f-31e4-4ae3-a543-8e9ec92f76ba-modal-title"> Quick citation guide </strong>  <span class="block type-size-one mt-1"> Select a citation to automatically copy to clipboard. </span> </div> <div class="flex flex-col text-gray-700 mt-6 gap-6"> <div id="apaClipboard" class="CiteUs-clipboard relative hover:bg-blue-100 rounded cursor-pointer" data-beam-element-clicked id="apa-button" data-type="BUTTON" data-location="what_is_a_cd_certificate_of_deposit_page" data-name="clipboard_copy_bennett_r_bennett_k_2024_september_30_what_is_a_cd_certificate_of_deposit_bankrate_retrieved_november_25_2024_from_httpswwwbankratecombankingcdswhat_is_a_cd" data-position="top" data-text="Bennett, R., & Bennett, K. 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She uses her finance writing background to help readers learn more about savings and checking accounts, CDs, and other financial matters. </div> </div> </div> </div> </div> <div class="bg-blue-50 py-12"> <section class="max-w-[83rem] gutter mx-auto"> <div class="w-full"> <div class="flex flex-col gap-4 mb-12"> <h2 class="type-heading-six text-blue-600 uppercase m-0"> Up next </h2> <div class="flex"> <span class="UpNextCarousel-LeadingText text-base text-gray-700"> Part of </span> <span class="UpNextCarousel-LeadingText text-base font-bold ml-3 m-0"> Introduction to Certificates of Deposit </span> </div> </div> <div class="flex"> <div class="swiper UpNextCarousel" > <div class="swiper-container mb-4 md:mb-6" data-carousel-params="{ "loop": false, "slidesPerView": "auto", "spaceBetween": 24, "breakpoints": { "599": { "slidesPerView": "auto" } } }"> <div class="swiper-wrapper"> <div class="swiper-slide"> <div data-variant="article" class="t-card"> <div class="t-card__layout"> <div 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