CINXE.COM

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Bankrate compares thousands of financial institutions to make it easy for you to apply for the best certificate of deposit rate."><meta property="PageMetadata:PageType" content="rates-results"><meta name="Category" content="cds"><meta name="SubCategories" content="banking"><meta name="pageuuid" content="6176359c-93cd-4b68-954e-bbd70a1e2ff7"><meta name="ContentSrc" content="sb:59300443"><meta name="PageType" content="rates-results"><link rel="canonical" href="https://www.bankrate.com/banking/cds/cd-rates/"><meta name="robots" content="index, follow"><meta property="og:title" content="Best CD Rates Of February 2025 - Up to 4.50% | Bankrate"><meta property="og:description" content="Find the best CD rates by comparing national and local rates. Bankrate compares thousands of financial institutions to make it easy for you to apply for the best certificate of deposit rate."><meta property="og:url" content="https://www.bankrate.com/banking/cds/cd-rates/"><meta property="og:site_name" content="Bankrate"><meta name="twitter:card" content="summary"><meta name="twitter:site" content="@bankrate"><meta name="twitter:title" content="Best CD Rates Of February 2025 - Up to 4.50% | Bankrate"><meta name="twitter:description" content="Find the best CD rates by comparing national and local rates. 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While naming a beneficiary for your CD may be the last thing on your mind, experts say it’s an important step to take. If you don’t have a beneficiary designated to receive the funds in your CD, your savings will go through probate, which is the court process for deciding what happens to the property of an individual after their death."}},{"@type":"Question","name":"Can you lose money on a CD?","acceptedAnswer":{"@type":"Answer","text":"As long as your CD is at an FDIC-insured bank or an NCUA credit union and it’s within insurance limits and guidelines, you won’t lose money with a CD. You may lose some of your interest — and potentially some of your principal — by making an early withdrawal, however."}}]}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","name":"Banking","item":{"@type":"Thing","url":"https://www.bankrate.com/banking/","@id":"https://www.bankrate.com/banking/"},"position":1},{"@type":"ListItem","name":"CDs","item":{"@type":"Thing","url":"https://www.bankrate.com/banking/cds/","@id":"https://www.bankrate.com/banking/cds/"},"position":2}]}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"Organization","url":"https://www.bankrate.com/","email":"webmaster@bankrate.com","ethicsPolicy":"https://www.bankrate.com/privacy/","foundingDate":"1976","legalName":"Bank Rate LLC","name":"Bank Rate","address":{"@type":"PostalAddress","addressLocality":"New York, NY","postalCode":"10017","streetAddress":"750 3rd Ave, 28th Floor"},"foundingLocation":{"@type":"Place","name":"New York City, New York, U.S."},"logo":{"@type":"ImageObject","url":"https://www.bankrate.com/v2.828.1/img/logo/bankrate-logo-268x60.jpg"}}</script><meta class="swiftype" name="type" data-type="enum" content="rates-results" /><meta class="swiftype" name="title" data-type="string" content="Best CD Rates Of February 2025 - Up to 4.50% | Bankrate" /><meta class="swiftype" name="description" data-type="text" content="Find the best CD rates by comparing national and local rates. 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'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Money market" data-position="3"> Money market<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Banks" data-position="4"> Banks<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/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="1" 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="/small-business/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="2" 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="3" 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/2025/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 2025" data-outcome="send to link" > Best banks of 2025</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="3" data-text="Bank reviews" data-outcome="send to link" > Bank reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/federal-reserve/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="4" data-text="Federal Reserve news " data-outcome="send to link" > Federal Reserve news </a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/capital-one/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="1" data-text="Capital One review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Capital One review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Capital One Bank</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/marcus/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Refinance rates" data-outcome="send to Refinance rates" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" 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="Cash-out refinance rates" data-outcome="send to Cash-out refinance rates" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-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="30-year refinance rates" data-outcome="send to 30-year refinance rates" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-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="4" data-text="15-year refinance rates" data-outcome="send to 15-year refinance rates" > 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, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. 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'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Guides & resources" data-position="4"> Guides & resources<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2025" data-outcome="send to Best cards of 2025" > Best cards of 2025</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/points-and-miles-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="4" data-text="Points and miles calculator" data-outcome="send to link" > Points and miles 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="5" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - 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'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($el.id)" data-subcategory-name="HELOC" data-position="1"> HELOC<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="1" data-text="Kin insurance review" data-outcome="send to link" > Kin insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/hippo-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="2" data-text="Hippo insurance review" data-outcome="send to link" > Hippo insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/lemonade/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="3" data-text="Lemonade insurance review" data-outcome="send to link" > Lemonade insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/citizens-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - 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data-cy="breadcrumb" aria-label="Breadcrumb"> <ol class="Breadcrumb mb-4"> <li class="Breadcrumb-itemContainer"> <a class="Breadcrumb-item text-blue-200" href="https://www.bankrate.com/banking/"> Banking</a> </li> <li class="Breadcrumb-itemContainer"> <a class="Breadcrumb-item text-blue-200" href="https://www.bankrate.com/banking/cds/"> CDs</a> </li> <li class="Breadcrumb-itemContainer"> <span class="Breadcrumb-item is-active text-blue-200 text-white trsy-text-[--text-color]" style="--text-color: var(--color-white);" aria-current="page"> Best CD rates</span> </li> </ol> </nav> </div> </div> <div data-cy="" class="Headline w-full"> <h1 class="type-heading-one trsy-heading-1 text-white"> Best CD rates of February 2025 (Up to 4.50%) </h1> </div> </div> <div class="RateTableHeaderV5-content display-flex flex-direction-column flex-nowrap RateTableHeaderV5-content--hasRightContent gap-3 lg:gap-4 lg:flex-direction-row"> <div class="RateTableHeaderV5-content-left display-flex flex-direction-column gap-4"> <div data-cy="byline" x-data="{ expanded: false }" class="Byline display-flex flex-wrap gap-y-4 align-items-center"> <div class="Byline-user display-flex align-items-center"> <img srcset="https://www.bankrate.com/2019/02/26150227/Matt-2019-Headshot-275x275.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2019/02/26150227/Matt-2019-Headshot-275x275.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2019/02/26150227/Matt-2019-Headshot-275x275.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2019/02/26150227/Matt-2019-Headshot-275x275.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 pos-relative z-layer-one flex-shrink-0" alt=""> <span> <span class="text-white trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-white);">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('PGyzTl')" x-bind="container"> <button class="Tooltip-trigger text-link text-white trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-white);"type="button" id="tooltip-trigger-PGyzTl" aria-controls="tooltip-content-PGyzTl" x-bind="trigger"> Matthew Goldberg</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-PGyzTl" aria-hidden="true" aria-labelledby="tooltip-trigger-PGyzTl" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2019/02/26150227/Matt-2019-Headshot-275x275.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/2019/02/26150227/Matt-2019-Headshot-275x275.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2019/02/26150227/Matt-2019-Headshot-275x275.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/2019/02/26150227/Matt-2019-Headshot-275x275.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/matthew-goldberg/" class="Link Link--standalone text-black"> Matthew Goldberg</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior Consumer Banking Reporter</span> </div> </div> <div class="AuthorPreview-license my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>CD Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M5.372 20.534c.12.043.244.066.373.066h2.116a.41.41 0 0 1 .01 0h14.683c.795 0 1.446-.87 1.446-1.937V6.237c0-.854-.417-1.582-.991-1.838a1.096 1.096 0 0 0-.455-.099H5.745c-.794 0-1.445.87-1.445 1.937v12.426c0 .894.457 1.65 1.072 1.871Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M4.246 18.261H12a.71.71 0 0 0 .707-.708.71.71 0 0 0-.707-.708H4.246c-.733 0-1.333-.743-1.333-1.655V4.57c0-.91.6-1.654 1.333-1.654h15.508c.732 0 1.333.743 1.333 1.655v5.31c0 .389.318.707.707.707a.71.71 0 0 0 .706-.707V4.57c0-1.7-1.227-3.071-2.746-3.071H4.246C2.736 1.5 1.5 2.88 1.5 4.57v10.62c0 1.7 1.228 3.071 2.746 3.071ZM18.791 6.704H5.13a.71.71 0 0 1-.707-.708.71.71 0 0 1 .707-.708H18.79a.71.71 0 0 1 .706.708.71.71 0 0 1-.706.708ZM16.398 18.96c.327.328.75.487 1.183.487l-.008-.009a1.7 1.7 0 0 0 1.192-.496l.212-.212v1.876l-.98-.522a.737.737 0 0 0-.654 0l-1.122.567v-1.873l.177.182Zm-1.59-.524a1.697 1.697 0 0 1-1.05-1.564v-.452a.275.275 0 0 0-.08-.194l-.309-.31a1.682 1.682 0 0 1 0-2.38.235.235 0 0 1 .053-.045l.256-.265a.275.275 0 0 0 .08-.195v-.558a1.692 1.692 0 0 1 1.678-1.593h.45a.24.24 0 0 0 .185-.08l.31-.309c.635-.637 1.74-.637 2.384 0l.318.328c.044.044.115.07.185.07h.45c.928 0 1.687.761 1.687 1.69v.452c0 .07.027.141.07.186l.31.31c.318.318.494.743.494 1.194 0 .451-.176.876-.494 1.195l-.31.31a.275.275 0 0 0-.079.194v.452c0 .687-.415 1.282-1.006 1.546v3.365a.725.725 0 0 1-.345.61.676.676 0 0 1-.362.098v.01a.749.749 0 0 1-.335-.08l-1.696-.912-1.82.911a.731.731 0 0 1-.688-.026.702.702 0 0 1-.335-.602v-3.356Zm-.52-3.715c0-.044.008-.106.052-.16h-.008l.035-.034.309-.32c.31-.309.486-.734.486-1.185V12.571c0-.15.123-.275.273-.275h.45c.451 0 .875-.168 1.193-.486l.31-.31c.132-.133.246-.133.379 0l.318.319c.318.318.742.495 1.192.495h.45c.15 0 .274.124.274.274v.452c0 .451.168.867.486 1.186l.309.31c.07.07.08.15.08.194a.286.286 0 0 1-.089.195l-.309.318c-.31.31-.486.735-.486 1.186v.452c0 .15-.123.274-.274.274h-.45c-.46 0-.874.168-1.192.486l-.31.31c-.114.107-.282.107-.379.01l-.318-.328a1.668 1.668 0 0 0-1.183-.487h-.45a.275.275 0 0 1-.274-.274v-.452c0-.451-.168-.876-.486-1.194l-.31-.31a.269.269 0 0 1-.079-.195Zm-9.15-4.106H12a.71.71 0 0 0 .707-.708A.71.71 0 0 0 12 9.2H5.138a.71.71 0 0 0-.706.708c0 .39.318.708.706.708Zm3.197 3.912H5.077a.71.71 0 0 1-.707-.708.71.71 0 0 1 .707-.708h3.258a.71.71 0 0 1 .707.707.71.71 0 0 1-.707.709Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> License </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Property (Colorado)</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Life (Colorado)</li> </ul> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 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2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Consumer banking</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Savings accounts and CDs</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 25 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Matthew Goldberg is a consumer banking reporter at Bankrate where he uses his more than 14 years of financial services experience to help inform readers about their important personal finance decisions.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/matthew-goldberg/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/mattatbankrate" target="_blank" rel="nofollow" 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https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-white trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-white);">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('Ph7J6d')" x-bind="container"> <button class="Tooltip-trigger text-link text-white trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-white);"type="button" id="tooltip-trigger-Ph7J6d" aria-controls="tooltip-content-Ph7J6d" x-bind="trigger"> Marc Wojno, MBA</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-Ph7J6d" aria-hidden="true" aria-labelledby="tooltip-trigger-Ph7J6d" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/09/08115957/Screenshot-2023-09-08-at-11.59.33-AM.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/marc-wojno/" class="Link Link--standalone text-black"> Marc Wojno, MBA</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior editor, Banking</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 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1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Savings accounts</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Marc Wojno is a seasoned and accomplished finance editor and writer with more than two decades of experience editing and writing across a variety of news platforms including newswires, newsletters, magazines and online news sites.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a 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2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Investing</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 26 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Greg McBride, CFA, is the Chief Financial Analyst for Bankrate.com, leading a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/BankrateGreg" target="_blank" rel="nofollow" aria-label="Connect with Greg McBride, CFA on Twitter" data-beam-element-clicked id="author_bio_greg_mcbride_cfa_twitter_icon" data-type="icon" data-location="author_bio_greg_mcbride_cfa" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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class="display-inline-block sm:display-none"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="text-link text-white trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-white);">Greg McBride, CFA</a> </div> </span> </div> </div> <div class="wysiwyg display-inline has-links"> <p>Rates updated between Feb. 14 and Feb. 20 | Content updated Feb. 17</p></div> <div class="rateTableEditorialIntegrity"> <div class="rateTableEditorialIntegrity-content text-blue-50 type-body-three py-2 px-4 max-w-5xl rounded-lg text-white"> <span> At Bankrate we strive to help you make smarter financial decisions. Though our partners compensate us from links on this page, we maintain <a class="Link" href="https://www.bankrate.com/editorial-guidelines/" target="_blank" rel="noopener">editorial integrity</a>, and partners don't influence our product evaluations.<span> Here's <a class="Link" href="https://www.bankrate.com/advertising-disclosure/" target="_blank" rel="noopener">how we make money</a> and here is our <a class="Link" data-target="editorial_integrity_advertiser-disclosure-modal">advertiser disclosure</a>. </span> </span> </div> <div x-data x-init="$nextTick(() => { window.initModal('editorial_integrity_advertiser-disclosure-modal', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="editorial_integrity_advertiser-disclosure-modal" class="Modal is-closed " role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="editorial_integrity_advertiser-disclosure-modal" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="editorial_integrity_advertiser-disclosure-modal-title"> <div class="p-6 bg-white box-shadow-four rounded-lg max-w-3xl"> <h3 class="type-heading-four mb-8" id="editorial-integrity-advertiser-disclosure-modal-title"> Advertiser Disclosure </h3> The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies. </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="editorial_integrity_advertiser-disclosure-modal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> <div class="rateTableReadMore text-white display-flex flex-direction-column gap-4" x-data="{ expanded: 0, }"> <p class="mb-0"> <span id="intro-text-shortened"> Opening a certificate of deposit (CD) allows you to lock in an attractive fixed rate and earn higher returns compared to traditional savings accounts, while providing guaranteed growth for a set period of time. Currently, the best CD rates still earn above 4 percent APY. The top rate tracked by Bankrate is offered by Bask Bank for a 3-month term, and is higher than the national average of 1.86 percent on a one-year CD. </br></br> Before opening a certificate of deposit, be sure to read expert advice and tips below to ensure a financially safe decision.</span> <button class="text-blue-200 Link Link--standalone bg-transparent hover:border-blue-200" :class="{ 'display-none': expanded, }" type="button" :aria-expanded="expanded ? true : false" aria-controls="rateTableReadMoreContent" x-on:click="expanded = !expanded" x-show="!expanded"> Read more </button> </p> <div id="rateTableReadMoreContent" class="flex-direction-column gap-4 display-none" :class="{ 'display-flex': expanded, 'display-none': !expanded }"> <div class="wysiwyg display-block w-full has-links"> <p><strong>Bankrate's picks for top CD rates today</strong></p></div> <div class="wealth-dynamic-rate-block"> <ul data-show-all="false"> <li> Marcus by Goldman Sachs — 6 months - 5 years, 3.75% – 4.50% APY, $500 minimum deposit</li> <li> Bask Bank — 3 months - 2 years, 3.75% – 4.50% APY, $1,000 minimum deposit</li> <li> Synchrony Bank — 3 months - 5 years, 0.25% – 4.35% APY, no minimum deposit</li> <li> America First Credit Union — 3 months - 5 years, 4.10% – 4.35% APY, $500 minimum deposit</li> <li> Vio Bank — 6 months - 5 years, 2.75% – 4.30% APY, $500 minimum deposit</li> <li> Popular Direct — 3 months - 5 years, 4.00% – 4.30% APY, $10,000 minimum deposit</li> <li> Discover Bank — 3 months - 5 years, 2.00% – 4.10% APY, no minimum deposit</li> <li> Ally Bank — 3 months - 5 years, 2.90% – 4.00% APY, no minimum deposit</li> <li> Capital One — 6 months - 5 years, 3.50% – 4.00% APY, no minimum deposit</li> <li> BMO Alto — 6 months - 5 years, 3.50% – 3.90% APY, no minimum deposit</li> </ul> </div> <div class="text-right"> <button class="text-blue-200 Link Link--standalone bg-transparent hover:border-blue-200" type="button" :aria-expanded="expanded ? true : false" aria-controls="rateTableReadMoreContent" x-on:click="expanded = !expanded"> Show less </button> </div> </div> </div> </div> <div class="RateTableHeaderV5-content-right"> <div class="wealthHeaderAsset trsy-py-4 trsy-px-5 trsy-rounded-lg trsy-bg-blue-800 trsy-flex trsy-flex-col trsy-gap-2 trsy-w-full lg:trsy-w-[474px]" x-data="{ expanded: false }"> <h2 class="trsy-text-white trsy-font-bold trsy-uppercase trsy-m-0 trsy-tracking-wider sm:trsy-cursor-default trsy-text-xs"tabindex="0" role="button" @click="expanded = !expanded" :aria-label="`${expanded ? 'Hide' : 'Show'} more info`" :aria-expanded="expanded ? true : false" aria-controls="wealthHeaderAsset-expandingContainer"> <span class="trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> Current CD trends<span class="trsy-w-4 trsy-h-4 sm:trsy-hidden" :class="`${expanded ? 'inline-block' : 'trsy-hidden'}`"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></span> <span class="trsy-w-4 trsy-h-4 sm:trsy-hidden" :class="`${!expanded ? 'inline-block' : 'trsy-hidden'}`"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </span> </h2> <div class="trsy-flex trsy-flex-col trsy-gap-2" :class="`${!expanded ? 'trsy-hidden sm:trsy-flex' : ''}`" id="wealthHeaderAsset-expandingContainer"> <div class="display-flex flex-direction-row pt-2 gap-2 sm:gap-4 md:gap-8"> <div class="display-flex flex-direction-column"> <div class="text-xs">Bankrate Partner average</div> <div class="text-xl font-bold"> <span class="text-2xl">4.13%</span> APY </div> </div> <div class="display-flex flex-direction-column"> <div class="text-xs">National average</div> <div class="text-xl font-bold"> <span class="text-2xl">1.86%</span> APY <div id="t2175a934-9e4f-43f5-8151-6496439a1b94" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The "Bankrate Partner average" is calculated from the average of the top savings account offers from the institutions we track, included on this page as of 02/21/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.</div> </div> <div class="display-inline-block cursor-pointer ml-1 ml-0"> <div x-data data-tippy-maxWidth="none" data-template="t2175a934-9e4f-43f5-8151-6496439a1b94" role="tooltip" tabIndex="0"x-tooltip="" > <svg class="Icon Icon--xs text-white display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="h-px w-full border-b border-gray-400"></div> <div class="wysiwyg display-block w-full has-links"> <div><strong>CD rates remain <span class="text-green text-green-400">high</span>, but are projected to move lower.</strong></div></div> <div class="wysiwyg display-block w-full has-links"> <div>The Fed is predicted to continue cutting rates in 2025. Read more from Bankrate's experts in our <a class="Link" href="https://www.bankrate.com/banking/cds/cd-rate-forecast/">CD rates forecast</a>.</div></div></div> </div> </div> </div> </div></div> </section> <style> .wrt-RateTable { margin-top: -82px !important; @media(min-width: 40em) { margin-top: -96px !important; } } </style> <div id="__next"><div class="wrt-RateTable"><div class="wrt-RateTable-container wrapper is-loadingFeatureFlags"><div class="wrt-RateTable-header flex flex-col px-4 xl:px-0"><div class=" bg-white border-gray-200 rounded-2xl border overflow-visible flex flex-col w-full gap-x-4 h-[142px] px-4 py-5 md:p-8 md:h-[172px] "><div class="text-gray-700 eyebrow-sm pb-2 lg:pb-3">PERSONALIZE YOUR SEARCH</div><div class="flex flex-row gap-x-2 md:gap-x-4 w-full md:pt-2 items-start md:justify-center"><div class="wrt-InputText"><div class="FormControl FormControl--withLeftIcon wrt-InputText--withLeftIcon" data-format="$"><label class="FormLabel" for="input-text-:Rpcm:">Deposit amount</label><input class="FormInput" id="input-text-:Rpcm:" type="text" value="50,000"/></div></div><div class="wrt-InputText"><div class="FormControl"><label class="FormLabel right-addon" for="input-text-:R19cm:">Zip code</label><span class="FormLabel-additionalCopy"><svg width="12" height="16" xmlns="http://www.w3.org/2000/svg"><path d="M6 0c3.156 0 6 2.845 6 6 0 5.715-6 10-6 10S0 11.715 0 6c0-3.155 2.844-6 6-6zm0 2C3.944 2 2 3.944 2 6c0 3.176 2.482 5.973 4.004 7.39C7.526 11.979 10 9.196 10 6c0-2.056-1.944-4-4-4zm0 2a2 2 0 1 1-.001 4.001A2 2 0 0 1 6 4z" fill="#151515" fill-rule="evenodd"></path></svg></span><input class="FormInput" id="input-text-:R19cm:" maxLength="5" type="text" value="90210"/></div></div><div class="wrt-InputText"><div class="flex flex-row pb-2 sm:pb-0"><label class="FormLabel" for="productTypeDropdown">Product type</label></div><div class="w-auto flex flex-row self-center"><div id="productTypeDropdown" class="w-full z-5 mr-2 bg-white min-h-[50px] border border-gray-500 rounded"><div class="wrt-Collapsible"><p class="wrt-Collapsible-header text-crop-none"><button type="button" data-testid="collapsible-combined-filters-label" class="wrt-Collapsible-trigger border-b border-gray-600" id="collapsible-combined-filters-label" aria-expanded="false" aria-controls="collapsible-combined-filters"><span class="pl-4 pr-2 py-2 ">CDs</span><svg width="7" height="12" focusable="false" aria-hidden="true" style="transform:rotate(90deg)" class="wrt-Collapsible-chevron mr-2" title="Open"><path d="M1.4 12L0 10.5 4.2 6 0 1.5 1.4 0 7 6l-5.6 6z"></path></svg></button></p></div></div><div class="pt-4"><div class="wrt-Tooltip"><div class="wrt-Tooltip-trigger" aria-label="Account type information" aria-describedby="tooltip-:R55pcm:" tabindex="0" role="button"><svg width="17" height="16" xmlns="http://www.w3.org/2000/svg" color="#0157FF"><path d="M8.5 0a8 8 0 1 1 0 16 8 8 0 0 1 0-16zm0 1a7 7 0 1 0 0 14 7 7 0 0 0 0-14zm1 6v5h-2V7h2zm-1-3a1 1 0 0 1 1 1.012.994.994 0 0 1-1 .988c-.549 0-1-.451-1-.988 0-.56.451-1.012 1-1.012z" fill="currentColor" fill-rule="evenodd"></path></svg></div><div class="wrt-Tooltip-content Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorRight wrt-Tooltip--large" id="tooltip-:R55pcm:" role="tooltip"><div class="Tooltip-body"><div class="Tooltip-arrow"></div><p class="text-crop-none">The following accounts can be found at most banks and credit unions. They’re federally insured for up to $250,000 and offer a safe place to put your money while earning interest.</p><div class="text-base mb-1 text-gray-900 font-bold">Certificate of Deposit (CD)</div><p class="text-crop-none">CDs are best for individuals looking for a guaranteed rate of return that’s typically higher than a savings account. In exchange for a higher rate, funds are tied up for a set period of time and early withdrawal penalties may apply.</p><div class="text-base mb-1 text-gray-900 font-bold">Checking account</div><p class="text-crop-none">Checking accounts are best for individuals who want to keep their money safe while still having easy, day-to-day access to their funds. ATM and other transactional fees may apply.</p><div class="text-base mb-1 text-gray-900 font-bold">Savings / Money Market Accounts (MMA)</div><p class="text-crop-none">Savings and MMAs are good options for individuals looking to save for shorter-term goals. They’re a safe way to separate your savings from everyday cash, but may require larger minimum balances and have transfer limitations.</p></div></div></div></div></div></div><button type="button" class="Button--primary h-[49px] mt-6">Update results</button></div></div></div><div class="wrt-RateTable-main wrt-RateTable-uninitialized"><div class="wrt-RateTable-rateList"><div class="wrt-RateListSkeleton"><div class="wrt-ContentPlaceholder"><div class="wrt-RateListSkeleton-label wrt-ContentPlaceholder-item"></div></div><div class="wrt-RateCardSkeleton wrt-ContentPlaceholder"><div class="wrt-RateCardSkeleton-a wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-b wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-c wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-d wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-e wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-f 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While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.","link":"https://https://www.bankrate.com//banking/reviews/capital-one/","status":"published","advertiser_id":"8351","name":"Capital One","scorecard":{"savings_apy":3.7,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0.1,"checking_apy_rating":5,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"0","checking_out_of_network_atm_fee_rating":5,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_yes","checking_early_direct_deposit_rating":5,"checking_overdraft_fees":"nsf_fees_none","checking_overdraft_fees_rating":5,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"LendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.","link":"https://https://www.bankrate.com//banking/reviews/lendingclub-bank/","status":"published","advertiser_id":"11844","name":"LendingClub Bank","scorecard":{"savings_apy":4.5,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.35,"cd_apy_term":10,"cd_apy_rating":5,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Citibank is among the world’s largest financial institutions, with well over $1 trillion in assets. It offers a comprehensive selection of banking products. These include its High-Yield Savings account, its Basic Banking Package checking accounts, its CDs and its credit cards. It is also the largest bank to eliminate overdraft fees. Obtaining competitive yields on savings accounts at Citi will depend on where you live and whether you’re eligible for its High-Yield Savings account.\r\n\r\nCiti has more than 2,300 Citi ATMs and 65,000 fee-free ATMs. The bank also has more than 600 branches.","link":"https://https://www.bankrate.com//banking/reviews/citibank/","status":"published","advertiser_id":"10677","name":"Citibank","scorecard":{"savings_apy":0.03,"savings_apy_rating":1,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":500,"savings_min_to_avoid_fees_rating":3,"savings_monthly_fee":4.5,"savings_monthly_fee_rating":3,"savings_access_to_funds":null,"savings_access_to_funds_rating":0,"savings_enabled":true,"cd_apy":3,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":0,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":15,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"nsf_fees_none","checking_overdraft_fees_rating":5,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"EverBank is an online institution offering deposit accounts with competitive rates and low minimum balances. Customers have access to thousands of fee-free ATMs. While the bank maintains branches, only a limited number are available, mainly in Florida.","link":"https://https://www.bankrate.com//banking/reviews/everbank/","status":"published","advertiser_id":"2468","name":"EverBank","scorecard":{"savings_apy":4.3,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4,"cd_apy_term":9,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4,"mma_apy_rating":4,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":0.25,"checking_apy_rating":5,"checking_min_deposit":100,"checking_min_deposit_rating":3,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":0,"checking_p2p_payments":null,"checking_p2p_payments_rating":0,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":0,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":0,"checking_nsf_fees":null,"checking_nsf_fees_rating":0,"checking_atm_network":null,"checking_atm_network_rating":0,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Vio Bank is an online-only financial institution serving savers nationwide. The bank consistently offers top-tier rates on their money market account, but those looking for a checking account will need to go with another option.","link":"https://https://www.bankrate.com//banking/reviews/vio-bank/","status":"published","advertiser_id":"10462","name":"Vio Bank","scorecard":{"savings_apy":1.1,"savings_apy_rating":2,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.15,"cd_apy_term":9,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"181_to_270_or_flat_fee","cd_early_withdrawal_penalty_rating":2,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4.46,"mma_apy_rating":5,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Bank of America is the second-largest financial institution (based on assets) in the country. It’s a digital leader with a global presence and roughly 68 million customers. It offers a wide variety of products for consumers and small businesses.","link":"https://https://www.bankrate.com//banking/reviews/bank-of-america/","status":"published","advertiser_id":"2809","name":"Bank of America","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":500,"savings_min_to_avoid_fees_rating":3,"savings_monthly_fee":8,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":0.03,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":100,"checking_min_deposit_rating":3,"checking_min_to_avoid_fees":1500,"checking_min_to_avoid_fees_rating":2,"checking_monthly_fee":12,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"0.01_to_25","checking_overdraft_fees_rating":4,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"U.S. Bank offers a full range of products and services that include checking and savings accounts, a money market account and CDs. The bank maintains branches in 28 states, and anyone in the U.S. can open accounts online. Higher rates of return can often be found at other financial institutions, however.","link":"https://https://www.bankrate.com//banking/reviews/us-bank/","status":"published","advertiser_id":"11926","name":"U.S. Bank","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":25,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":300,"savings_min_to_avoid_fees_rating":4,"savings_monthly_fee":4,"savings_monthly_fee_rating":3,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":0.05,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"181_to_270_or_flat_fee","cd_early_withdrawal_penalty_rating":2,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":0.01,"mma_apy_rating":1,"mma_min_to_avoid_fees":10000,"mma_min_to_avoid_fees_rating":2,"mma_min_balance":100,"mma_min_balance_rating":5,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":25,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":15000,"checking_min_to_avoid_fees_rating":1,"checking_monthly_fee":6.95,"checking_monthly_fee_rating":3,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":0,"checking_p2p_payments":null,"checking_p2p_payments_rating":0,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":0,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":0,"checking_nsf_fees":null,"checking_nsf_fees_rating":0,"checking_atm_network":null,"checking_atm_network_rating":0,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"PNC Bank offers a full suite of deposit products, with branches in parts of the Northeast, South and Midwest as well as on the West Coast. While the bank offers competitive rates to customers who live in certain states, those who live elsewhere earn yields below the national average. 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It was created to serve members of the armed forces and federal government employees, but now anyone can join. It has members throughout the country. PenFed offers a wide range of CD terms that pay competitive rates, yet higher rates on savings accounts can be found elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/pentagon-federal-credit-union/","status":"published","advertiser_id":"2212","name":"Pentagon Federal Credit Union (PenFed)","scorecard":{}},{"short_summary":"In April 2022, Comenity Direct became Bread Savings. The online-only bank offers a savings account and five terms of CDs with competitive yields. You’ll also find low minimum opening balance requirements, making it easy to open an account.\r\n\r\nConsumers in search of checking and money market accounts or who need access to a branch will want to look elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/bread-savings/","status":"published","advertiser_id":"10629","name":"Bread Savings","scorecard":{"savings_apy":4.4,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.1,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1500,"cd_min_deposit_rating":3,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Credit One offers jumbo CDs, Savings, and credit cards. 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Customers can choose from a full range of banking services, including checking and savings accounts as well as CDs. But if you’re looking for a bank that pays competitive rates, you’ll want to look elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/chase-bank/","status":"published","advertiser_id":"3035","name":"Chase Bank","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":300,"savings_min_to_avoid_fees_rating":4,"savings_monthly_fee":5,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":0.01,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":25,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":1500,"checking_min_to_avoid_fees_rating":2,"checking_monthly_fee":12,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"25.01_to_35","checking_overdraft_fees_rating":3,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Wells Fargo is one of the biggest banks with locations in 36 states and Washington, D.C. But the bank has also faced heavy scrutiny by regulators in recent years for opening fake accounts and other offenses. While you generally won’t find attractive yields here, Wells Fargo’s checking account scores highly in our analysis.","link":"https://https://www.bankrate.com//banking/reviews/wells-fargo/","status":"published","advertiser_id":"3113","name":"Wells Fargo","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":25,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":300,"savings_min_to_avoid_fees_rating":4,"savings_monthly_fee":5,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":2,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.01,"mma_apy_rating":1,"mma_min_to_avoid_fees":3500,"mma_min_to_avoid_fees_rating":2,"mma_min_balance":25,"mma_min_balance_rating":5,"mma_monthly_fee":12,"mma_monthly_fee_rating":2,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":25,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":1500,"checking_min_to_avoid_fees_rating":2,"checking_monthly_fee":10,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_or_apple_pay","checking_p2p_payments_rating":4,"checking_early_direct_deposit":"edp_yes","checking_early_direct_deposit_rating":5,"checking_overdraft_fees":"25.01_to_35","checking_overdraft_fees_rating":3,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"TD Bank bills itself as “America’s Most Convenient Bank” because many of its branches are open for extended hours, seven days a week — as well as some holidays. 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Discover’s online savings account comes with a competitive rate and no monthly fees. 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The bank does not offer a checking account to new customers, nor do money market account holders have check-writing privileges.","link":"https://https://www.bankrate.com//banking/reviews/briodirect/","status":"published","advertiser_id":"10659","name":"BrioDirect","scorecard":{"savings_apy":4.55,"savings_apy_rating":5,"savings_min_balance":5000,"savings_min_balance_rating":2,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":0.05,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Golden 1 Credit Union is one of the largest credit unions in the U.S. and offers members a wide selection of products and services. Membership is open to those who live or work in California. Most accounts require a small amount to open, and many also feature low or no monthly fees.","link":"https://https://www.bankrate.com//banking/reviews/golden-1-credit-union/","status":"published","advertiser_id":"2324","name":"Golden 1 Credit Union","scorecard":{"savings_apy":0.05,"savings_apy_rating":1,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.45,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":1,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"American Airlines Federal Credit Union offers a range of banking and lending products for its airline industry members.","link":"https://https://www.bankrate.com//banking/reviews/american-airlines-federal-credit-union/","status":"published","advertiser_id":"1728","name":"American Airlines Federal Credit Union","scorecard":{}},{"short_summary":"Valley National Bank is a regional bank that offers consumer deposit products, mortgages and auto loans, investment management and a variety of business products.","link":"https://https://www.bankrate.com//banking/reviews/valley-national-bank/","status":"published","advertiser_id":"10474","name":"Valley National Bank","scorecard":{}},{"short_summary":"Boeing Employees’ Credit Union is one of the largest credit unions in the U.S. It offers members a variety of checking and savings products along with many online banking features. Its accounts come with no monthly fees and other fees are lower than average, though its APYs aren’t the most competitive. Members also get extra benefits, such as ATM refunds and higher rates, when they qualify for the Member Advantage feature.","link":"https://https://www.bankrate.com//banking/reviews/boeing-employees-credit-union/","status":"published","advertiser_id":"4986","name":"Boeing Employees' Credit Union","scorecard":{"savings_apy":0.35,"savings_apy_rating":2,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":2.75,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":1.16,"mma_apy_rating":3,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Banesco USA is an FDIC-insured institution with headquarters in South Florida.This bank offers everything you’d expect from a large depository institution, from personal checking to money market accounts. While they offer competitive rates for their CDs, Banesco USA’s savings account APYs have fallen behind rising interest rates, making them less attractive than they were just a year ago.","link":"https://https://www.bankrate.com//banking/reviews/banesco-usa-bank/","status":"published","advertiser_id":"10572","name":"Banesco USA Bank","scorecard":{"savings_apy":1.35,"savings_apy_rating":3,"savings_min_balance":300,"savings_min_balance_rating":3,"savings_min_to_avoid_fees":300,"savings_min_to_avoid_fees_rating":4,"savings_monthly_fee":10,"savings_monthly_fee_rating":1,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":1500,"cd_min_deposit_rating":3,"cd_term_min":3,"cd_term_max":36,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4,"mma_apy_rating":4,"mma_min_to_avoid_fees":2500,"mma_min_to_avoid_fees_rating":3,"mma_min_balance":300,"mma_min_balance_rating":4,"mma_monthly_fee":15,"mma_monthly_fee_rating":2,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Amerant Bank offers a full range of online accounts to residents anywhere in the U.S., and the bank also maintains 16 branches in Florida and seven in Texas. Plenty of free ATMs are available to checking account customers, and minimum balance requirements are generally low. While rates are higher than national averages, better annual percentage yields (APYs) can be found at other banks.","link":"https://https://www.bankrate.com//banking/reviews/amerant-bank/","status":"published","advertiser_id":"10565","name":"Amerant Bank","scorecard":{}},{"short_summary":"Santander Bank has branches mainly in the Northeast. Its biggest presence is in Massachusetts, where it has nearly 200 locations.","link":"https://https://www.bankrate.com//banking/reviews/santander-bank/","status":"published","advertiser_id":"11850","name":"Santander Bank","scorecard":{}},{"short_summary":"Suncoast Credit Union is Florida’s largest credit union. It offers savings accounts, a checking account, regular and jumbo CDs, a money market account and other banking options to its members.","link":"https://https://www.bankrate.com//banking/reviews/suncoast-credit-union/","status":"published","advertiser_id":"2298","name":"Suncoast Credit Union","scorecard":{}},{"short_summary":"Arvest Bank is a regional bank headquartered in Bentonville, Arkansas, that offers accounts to residents of Arkansas, Kansas, Oklahoma and Missouri. With checking account options and CDs with competitive rates, this bank will appeal to a wide base of customers in the area. Given its local nature, you won’t find in-network ATMs outside of Arvest’s main operating area, and you’ll have to pay a fee to use out-of-network ATMs.","link":"https://https://www.bankrate.com//banking/reviews/arvest-bank/","status":"published","advertiser_id":"5298","name":"Arvest Bank","scorecard":{}},{"short_summary":"Founded in 1953, Umpqua Bank is the largest regional bank in the Pacific Northwest. On March 1, 2023, Umpqua closed a merger to acquire Columbia Bank. Umpqua Bank has more than 300 locations in Oregon, Idaho, Nevada, Washington, California, Arizona, Utah and Colorado.","link":"https://https://www.bankrate.com//banking/reviews/umpqua-bank/","status":"published","advertiser_id":"9750","name":"Umpqua Bank","scorecard":{}},{"short_summary":"Sallie Mae Bank offers competitive APYs on its savings accounts, but it doesn’t offer a checking account.","link":"https://https://www.bankrate.com//banking/reviews/sallie-mae-bank/","status":"published","advertiser_id":"6642","name":"Sallie Mae Bank","scorecard":{"savings_apy":3.9,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.05,"cd_apy_term":13,"cd_apy_rating":4,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":3.9,"mma_apy_rating":4,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Star One Credit Union has been around for more than 60 years and is the largest credit union in Silicon Valley.\r\n\r\nThough Star One branches are limited to the Silicon Valley area, it is part of a network of nearly 6,000 shared branches, which allow members to do their banking at partnered credit union locations. Plus, members get access to around 30,000 fee-free ATMs through the CO-OP network. \r\n\r\nStar One’s checking accounts are standouts. They earn interest, there are no monthly fees and two of the checking accounts offer ATM surcharge refunds. On the other hand, Star One’s CD selection is limited, and it doesn’t offer the most competitive money market account rate.","link":"https://https://www.bankrate.com//banking/reviews/star-one-credit-union/","status":"published","advertiser_id":"5570","name":"Star One Credit Union","scorecard":{"savings_apy":3.25,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"n_a","savings_access_to_funds_rating":0,"savings_enabled":false,"cd_apy":3.75,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":6,"cd_term_max":24,"cd_term_rating":2,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":3.25,"mma_apy_rating":4,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Provident Bank has a sizable branch presence in New Jersey, a few locations in Pennsylvania and one in New York. It offers numerous checking accounts, savings accounts and certificates of deposit options to appeal to a wide base of customers. That said, most of Provident Bank’s deposit accounts offer paltry APYs; you can easily find better rates elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/provident-bank/","status":"published","advertiser_id":"6514","name":"Provident Bank","scorecard":{}},{"short_summary":"Ridgewood Savings Bank offers the personal attention of a community bank combined with an impressive lineup of digital banking tools and services. Customers have access to competitive savings rates and an extensive network of 90,000 surcharge-free ATMs worldwide in the Allpoint and MoneyPass networks. While there are competitive yields on the bank’s savings account and CDs, the yield offered on its money market account is low.","link":"https://https://www.bankrate.com//banking/reviews/ridgewood-savings-bank/","status":"published","advertiser_id":"9409","name":"Ridgewood Savings Bank","scorecard":{}},{"short_summary":"New York-based Apple Bank is known for offering competitive yields. It has about 80 locations in the New York City area.","link":"https://https://www.bankrate.com//banking/reviews/apple-bank/","status":"published","advertiser_id":"2997","name":"Apple Bank","scorecard":{}},{"short_summary":"Patelco Credit Union is a full-service credit union serving members in Northern California. From investing and insurance to credit cards and savings, Patelco offers all the products you’d want to consolidate your banking in one place. Patelco offers stellar APYs on most of its share certificates and provides fee-free checking and money market accounts. But the yields for its savings account are extremely low, dimming the appeal of bringing all of your banking under Patelco’s roof.","link":"https://https://www.bankrate.com//banking/reviews/patelco-credit-union/","status":"published","advertiser_id":"5532","name":"Patelco Credit Union","scorecard":{}},{"short_summary":"KeyBank is a regional bank that offers deposit accounts to residents of the 15 states where it maintains branches. Customers have access to more than 1,000 branches and 40,000 fee-free ATMs. Checking, savings and money market accounts are available, as well as a wide range of certificate of deposit (CD) terms. But overall, you’ll need to look elsewhere to find competitive rates.","link":"https://https://www.bankrate.com//banking/reviews/key-bank/","status":"published","advertiser_id":"2087","name":"KeyBank","scorecard":{}},{"short_summary":"Randolph-Brooks Federal Credit Union is one of America’s best credit unions and one of the largest in the state of Texas.","link":"https://https://www.bankrate.com//banking/reviews/randolph-brooks-federal-credit-union/","status":"published","advertiser_id":"5551","name":"Randolph-Brooks Federal Credit Union","scorecard":{"savings_apy":0.3,"savings_apy_rating":2,"savings_min_balance":1,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.95,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":1.82,"mma_apy_rating":3,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":2500,"mma_min_balance_rating":3,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Established in 1888, Synovus is a full-service bank that offers deposit products, loans and financial planning and investing services. Most of the bank’s accounts require low minimum deposits and the checking account is free, but rates are much lower than what other banks are offering.","link":"https://https://www.bankrate.com//banking/reviews/synovus-bank/","status":"published","advertiser_id":"6240","name":"Synovus Bank","scorecard":{}},{"short_summary":"Emigrant Bank is a federally insured regional bank with two branch offices, one in Manhattan and one in Ossining, New York. Its deposit accounts generally pay rates above national averages, although significantly higher yields can be found elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/emigrant-bank/","status":"published","advertiser_id":"8624","name":"Emigrant Bank","scorecard":{}},{"short_summary":"VyStar Credit Union is one of the largest credit unions in Florida, offering various deposit accounts and services to hundreds of thousands of members. Its accounts don’t charge monthly service fees or have minimum balance requirements, although better yields can often be found at other financial institutions.","link":"https://https://www.bankrate.com//banking/reviews/vystar-credit-union/","status":"published","advertiser_id":"3250","name":"VyStar Credit Union","scorecard":{}},{"short_summary":"Transportation Alliance Bank is mostly an online bank that offers deposit accounts for individuals and businesses, as well as commercial loans.","link":"https://https://www.bankrate.com//banking/reviews/transportation-alliance-bank/","status":"published","advertiser_id":"10586","name":"TAB Bank","scorecard":{"savings_apy":4.26,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.21,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.25,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Cross River Bank offers checking, money market and savings accounts as well as CDs. Consumers may find the highly-localized nature of this bank is a deal breaker, but consumers in the New York City and New Jersey area looking for great rates on deposit products may find it’s a good fit.","link":"https://https://www.bankrate.com//banking/reviews/cross-river-bank/","status":"published","advertiser_id":"9497","name":"Cross River Bank","scorecard":{}},{"short_summary":"The Federal Savings Bank specializes in mortgages for homebuyers but also offers deposit products and personal loans. The bank offers savers options to earn interest on everyday bank accounts like checking and savings.","link":"https://https://www.bankrate.com//banking/reviews/the-federal-savings-bank/","status":"published","advertiser_id":"11807","name":"The Federal Savings Bank","scorecard":{}},{"short_summary":"CFG Bank is a community bank that maintains three branches in Maryland, and some of its accounts can be opened online. It offers a full range of deposit products, including CDs and a money market account that earn top-tier rates. Its free checking account allows customers to use more than 40,000 fee-free ATMs nationwide, though it can only be opened at a branch. Account holders can perform transactions online or through the highly-rated mobile app.\r\n\r\nWhile APYs are competitive for the bank’s CDs and money market accounts, the APY for its savings account is less so.","link":"https://https://www.bankrate.com//banking/reviews/cfg-bank/","status":"published","advertiser_id":"10529","name":"CFG Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":false,"cd_apy":4.15,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4.32,"mma_apy_rating":5,"mma_min_to_avoid_fees":1000,"mma_min_to_avoid_fees_rating":4,"mma_min_balance":1000,"mma_min_balance_rating":4,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"NBKC offers competitive rates on deposit accounts for business and personal customers.","link":"https://https://www.bankrate.com//banking/reviews/nbkc-bank/","status":"published","advertiser_id":"2162","name":"NBKC Bank","scorecard":{}},{"short_summary":"Northpointe Bank is a Grand Rapids, Michigan-based bank offering a full selection of deposit products, including both free and interest-bearing checking accounts. The bank doesn’t charge monthly service fees for its accounts, and it reimburses some ATM surcharges assessed by other banks. The savings and money market accounts pay competitive rates on some balance tiers, although significantly higher certificate of deposit (CD) yields can be found at other banks.","link":"https://https://www.bankrate.com//banking/reviews/northpointe-bank/","status":"published","advertiser_id":"9664","name":"Northpointe Bank","scorecard":{"savings_apy":0.25,"savings_apy_rating":2,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":3.25,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":0.35,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":2500,"mma_min_balance_rating":3,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Texas Capital Bank is a commercial bank based in Dallas that offers consumer deposit products, credit cards and personal loans. A regional institution, Texas Capital offers competitive APYs on their CDs and savings accounts, though its money market and checking accounts are a tad lackluster, offering paltry interest rates compared to top-performing banks. While the bank is primarily headquartered in Texas, customers can get access to their money without fees using Allpoint ATMs scattered across the country.","link":"https://https://www.bankrate.com//banking/reviews/texas-capital-bank/","status":"published","advertiser_id":"3205","name":"Texas Capital Bank","scorecard":{}},{"short_summary":"Bank5 Connect offers a savings account, checking account and CDs with above-average yields and low minimum balance requirements.","link":"https://https://www.bankrate.com//banking/reviews/bank5-connect/","status":"published","advertiser_id":"6498","name":"Bank5 Connect","scorecard":{}},{"short_summary":"Alliant Credit Union offers deposit accounts with competitive APYs and minimal fees. This Chicago-based credit union is insured by the National Credit Union Administration (NCUA) and offers a highly rated mobile app as well as access to a wide network of surcharge-free ATMs.","link":"https://https://www.bankrate.com//banking/reviews/alliant-credit-union/","status":"published","advertiser_id":"11768","name":"Alliant Credit Union","scorecard":{"savings_apy":3.1,"savings_apy_rating":4,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Merrick Bank is an online bank that offers some of the best CD rates nationwide, but it doesn’t offer other deposit products. The bank also offers credit cards and loans.","link":"https://https://www.bankrate.com//banking/reviews/merrick-bank/","status":"published","advertiser_id":"10452","name":"Merrick Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":false,"cd_apy":4.35,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":25000,"cd_min_deposit_rating":1,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Quontic Bank is an online bank headquartered in New York known for innovation and paying competitive rates.","link":"https://https://www.bankrate.com//banking/reviews/quontic-bank/","status":"published","advertiser_id":"10525","name":"Quontic Bank","scorecard":{"savings_apy":3.85,"savings_apy_rating":4,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"271_to_365_or_flat_fee","cd_early_withdrawal_penalty_rating":1,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4.75,"mma_apy_rating":5,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":100,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"BMO’s products and services are geared toward a broad range of customers both in the U.S. and globally, from modest income earners to the wealthy. The bank maintains more than 500 branches, and many of its deposit accounts can also be opened online. While the bank offers a full suite of banking and loan products, yields on some of its deposit products are below average.","link":"https://https://www.bankrate.com//banking/reviews/bmo/","status":"published","advertiser_id":"10621","name":"BMO","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":25,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.15,"cd_apy_term":13,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.8,"mma_apy_rating":2,"mma_min_to_avoid_fees":5000,"mma_min_to_avoid_fees_rating":2,"mma_min_balance":25,"mma_min_balance_rating":5,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Fifth Third Bank is a regional financial institution with customers in 12 states and nearly 1,100 branches. It offers multiple checking and savings accounts, a money market account and a wide range of CD terms.","link":"https://https://www.bankrate.com//banking/reviews/fifth-third-bank/","status":"published","advertiser_id":"10528","name":"Fifth Third Bank","scorecard":{}},{"short_summary":"Customers Bank offers a wide array of deposit products, but the affordability of those accounts and the strength of those yields are inconsistent. Moreover, the bank is highly localized with only a handful of branches across three states. Customers looking for a large branch network should look elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/customers-bank/","status":"published","advertiser_id":"10455","name":"Customers Bank","scorecard":{}},{"short_summary":"Quorum Federal Credit Union offers online accounts to members nationwide. While it doesn’t maintain branches of its own, members can bank in person at more than 5,000 branches run by partnering credit unions. Quorum’s deposit account yields are well above the national average, yet higher rates of return can be found at various other financial institutions.","link":"https://https://www.bankrate.com//banking/reviews/quorum-federal-credit-union/","status":"published","advertiser_id":"11921","name":"Quorum Federal Credit Union","scorecard":{"savings_apy":3.75,"savings_apy_rating":4,"savings_min_balance":1,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":10,"savings_monthly_fee_rating":1,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":2.6,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"181_to_270_or_flat_fee","cd_early_withdrawal_penalty_rating":2,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Third Federal Savings \u0026 Loan Association is a Cleveland-based financial institution that operates primarily in Ohio and Florida. \r\n\r\nThird Federal offers a large swath of CDs to select from in addition to other traditional deposit products, including checking, savings and money market accounts. While APYs for its CDs are competitive, the bank falls behind the curve when it comes to APYs on its savings and money market account.","link":"https://https://www.bankrate.com//banking/reviews/third-federal-savings-and-loan-association/","status":"published","advertiser_id":"2336","name":"Third Federal Savings \u0026 Loan Association of Cleveland","scorecard":{}},{"short_summary":"Axos Bank is an online bank that offers a full range of deposit accounts. Its checking account stands out for its unlimited domestic ATM reimbursements and its lack of fees, yet its savings account earns rates that are lackluster.","link":"https://https://www.bankrate.com//banking/reviews/axos-bank/","status":"published","advertiser_id":"10324","name":"Axos Bank","scorecard":{"savings_apy":0.61,"savings_apy_rating":2,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":0.2,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.25,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"CIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs.\r\n\r\nCIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.","link":"https://https://www.bankrate.com//banking/reviews/cit-bank/","status":"published","advertiser_id":"7821","name":"CIT Bank","scorecard":{"savings_apy":4.3,"savings_apy_rating":5,"savings_min_balance":5000,"savings_min_balance_rating":2,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":0.3,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":1.55,"mma_apy_rating":3,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":100,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Citizens Bank offers a large range of banking services that will appeal to a multitude of customers. From savings and checking accounts to credit cards and home loans, Citizens Bank can be a one-stop shop for customers looking to save and borrow. The bank has a sizable branch presence in the New England, Mid-Atlantic and Midwest regions. While opening a deposit account at Citizens is very easy, savers can easily find better yields elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/citizens-bank/","status":"published","advertiser_id":"5355","name":"Citizens Bank","scorecard":{}},{"short_summary":"Popular Direct serves mobile and online banking customers across the country and pays competitive rates.","link":"https://https://www.bankrate.com//banking/reviews/popular-direct/","status":"published","advertiser_id":"7819","name":"Popular Direct","scorecard":{"savings_apy":4.3,"savings_apy_rating":5,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":10000,"cd_min_deposit_rating":2,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"181_to_270_or_flat_fee","cd_early_withdrawal_penalty_rating":2,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Bethpage Federal Credit Union, the largest credit union in New York state, is a full-service banking institution. All of its deposit accounts are insured up to $250,000 through the National Credit Union Administration.","link":"https://https://www.bankrate.com//banking/reviews/bethpage-federal-credit-union/","status":"published","advertiser_id":"9361","name":"Bethpage Federal Credit Union","scorecard":{"savings_apy":0.1,"savings_apy_rating":1,"savings_min_balance":5,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.5,"cd_apy_term":7,"cd_apy_rating":5,"cd_min_deposit":50,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.2,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Barclays is a London-based multinational financial-services giant with global reach. In the U.S., Barclays offers a limited selection of deposit products online.","link":"https://https://www.bankrate.com//banking/reviews/barclays/","status":"published","advertiser_id":"7987","name":"Barclays","scorecard":{"savings_apy":4.15,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Based in Houston, Lone Star Bank (LSB) is a federally insured community bank serving individual consumers and businesses, small and large. LSB offers a wide array of consumer deposit products, including a savings account, a large range of certificates of deposit, checking accounts and a money market account. Some accounts offer higher yields than others, so depending on what you’re looking for, you may find higher APYs elsewhere","link":"https://https://www.bankrate.com//banking/reviews/lone-star-bank/","status":"published","advertiser_id":"5083","name":"Lone Star Bank","scorecard":{"savings_apy":0.3,"savings_apy_rating":2,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":200,"savings_min_to_avoid_fees_rating":4,"savings_monthly_fee":6,"savings_monthly_fee_rating":2,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.5,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.25,"mma_apy_rating":2,"mma_min_to_avoid_fees":1500,"mma_min_to_avoid_fees_rating":3,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"WebBank offers decent yields on CDs and savings accounts for consumers who are looking for a digital bank and are comfortable with an online-only experience. With no branch locations, all banking at WebBank is done solely through a web browser. The bank doesn’t offer a money market account or a checking account, so customers looking to consolidate their checking and savings in one place will need to look elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/webbank/","status":"published","advertiser_id":"11924","name":"WebBank","scorecard":{"savings_apy":0.25,"savings_apy_rating":2,"savings_min_balance":1000,"savings_min_balance_rating":3,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"standard_transfers","savings_access_to_funds_rating":2,"savings_enabled":true,"cd_apy":1.1,"cd_apy_term":12,"cd_apy_rating":2,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"181_to_270_or_flat_fee","cd_early_withdrawal_penalty_rating":2,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Heritage Bank is based in Spicer, Minnesota. It offers checking accounts, savings accounts and CDs.","link":"https://https://www.bankrate.com//banking/reviews/heritage-bank/","status":"published","advertiser_id":"6322","name":"Heritage Bank","scorecard":{}},{"short_summary":"North American Savings Bank (NASB) is a midsize Kansas City bank with brick-and-mortar branches, as well as online banking services, digital wallets and a mobile app. It offers above-average yields on CDs, checking, savings and money market accounts. However, you often need to meet a certain balance requirement to get the highest rates. While many accounts can be opened from anywhere online, some can only be opened in one of the bank’s Kansas City branches.\r\n\r\nThe bank also has a “switch kit” that helps ease the transfer of funds from other banks.","link":"https://https://www.bankrate.com//banking/reviews/north-american-savings-bank/","status":"published","advertiser_id":"10492","name":"North American Savings Bank","scorecard":{}},{"short_summary":"M.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.","link":"https://https://www.bankrate.com//banking/reviews/my-safra-bank/","status":"published","advertiser_id":"9042","name":"M.Y. Safra Bank","scorecard":{}},{"short_summary":"FNBA is a federally insured bank. It opened in 1955 as First National Bank of East Lansing. It pays very solid interest rates on deposits and offers the conveniences of online and mobile banking. Though CDs can be opened online, the bank’s checking and Statement Savings and money market accounts can only be opened at a branch.","link":"https://https://www.bankrate.com//banking/reviews/first-national-bank-of-america/","status":"published","advertiser_id":"9880","name":"First National Bank of America","scorecard":{"savings_apy":2.51,"savings_apy_rating":3,"savings_min_balance":1000,"savings_min_balance_rating":3,"savings_min_to_avoid_fees":1000,"savings_min_to_avoid_fees_rating":2,"savings_monthly_fee":10,"savings_monthly_fee_rating":1,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.26,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Western State Bank is a well-established, federally insured bank based in North Dakota that offers deposit and loan products for individuals and businesses in North Dakota and Arizona. While it doesn’t offer very exciting rates, its accounts generally require little to open and come with perks, such as ATM fee refunds.","link":"https://https://www.bankrate.com//banking/reviews/western-state-bank/","status":"published","advertiser_id":"10520","name":"Western State Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":true,"mma_apy":4,"mma_apy_rating":4,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"FinWise Bank is a Utah-based bank that offers affordable checking and savings accounts and CDs, though only the latter offers competitive APYs. Customers can’t open accounts online, so this regional bank is best suited for those in the Sandy, Utah area, which you must visit to open an account. That noted, FinWise is part of the large MoneyPass network, giving you free access to your money via tens of thousands of ATMs scattered across the country.","link":"https://https://www.bankrate.com//banking/reviews/finwise-bank/","status":"published","advertiser_id":"11916","name":"FinWise Bank","scorecard":{}},{"short_summary":"Citizens Access is an online bank with no branches that offers savings products. It is a division of Citizens Bank. Citizens Access offers a competitive yield on its savings account and its CDs. Its savings account only requires 1 cent to open the account. Its five terms of CDs require a $5,000 minimum deposit.","link":"https://https://www.bankrate.com//banking/reviews/citizens-access/","status":"published","advertiser_id":"10454","name":"Citizens Access","scorecard":{"savings_apy":3.7,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.35,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":5000,"cd_min_deposit_rating":3,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"The Huntington National Bank offers consumer-friendly products and a network of more than 1,000 branches mostly in the Midwest and South. A no-frills free checking account is available, yet yields on savings accounts and CDs are comparatively low.","link":"https://https://www.bankrate.com//banking/reviews/huntington-bank/","status":"published","advertiser_id":"5590","name":"Huntington Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":true,"cd_apy":0.5,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"3.01_plus","checking_out_of_network_atm_fee_rating":2,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_yes","checking_early_direct_deposit_rating":5,"checking_overdraft_fees":"0.01_to_25","checking_overdraft_fees_rating":4,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"M\u0026T Bank has its headquarters in Buffalo, New York, and is the 16th largest bank in the U.S. based on assets. It maintains more than 1,000 branches in 14 Eastern states as well as the District of Columbia. The bank’s CDs earn rates that are well above average, while the savings account earns a rock-bottom yield.","link":"https://https://www.bankrate.com//banking/reviews/m-t-bank/","status":"published","advertiser_id":"10690","name":"M\u0026T Bank","scorecard":{}},{"short_summary":"SoFi Bank offers a competitive yield for checking and savings customers who have a qualifying direct deposit with SoFi. But customers will need to open both a checking and savings account to bank with SoFi and will have to use direct deposit to earn the top APY.","link":"https://https://www.bankrate.com//banking/reviews/sofi-bank/","status":"published","advertiser_id":"11835","name":"SoFi","scorecard":{"savings_apy":3.8,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":false,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0.5,"checking_apy_rating":5,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"0","checking_out_of_network_atm_fee_rating":5,"checking_p2p_payments":"zelle_or_apple_pay","checking_p2p_payments_rating":4,"checking_early_direct_deposit":"edp_yes","checking_early_direct_deposit_rating":5,"checking_overdraft_fees":"nsf_fees_none","checking_overdraft_fees_rating":5,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Security Service Federal Credit Union has many different deposit accounts and certificate terms. Its checking account is unique, offering built-in identity theft protection and above-average interest rates. The credit union also offers several share certificate terms as well as high promotional rates on share certificates. However, the other account types are mediocre in terms of APYs and features.","link":"https://https://www.bankrate.com//banking/reviews/security-service-federal-credit-union/","status":"published","advertiser_id":"2266","name":"Security Service Federal Credit Union","scorecard":{"savings_apy":0.05,"savings_apy_rating":1,"savings_min_balance":5,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":100,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":3,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":2.15,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.05,"mma_apy_rating":1,"mma_min_to_avoid_fees":1000,"mma_min_to_avoid_fees_rating":4,"mma_min_balance":1000,"mma_min_balance_rating":4,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Webster Bank is a regional bank with locations primarily from Massachusetts to New York. It offers checking accounts, savings accounts, CDs, health savings accounts (HSAs) and lending products. Webster Financial Corporation and Sterling Bancorp completed its merger in February 2022.\r\n\r\nThe bank is great for those 21 or under or 65 or over who would like a free savings account, with the Webster Value Savings account. But the bank's yields are generally very low.","link":"https://https://www.bankrate.com//banking/reviews/webster-bank/","status":"published","advertiser_id":"5372","name":"Webster","scorecard":{}},{"short_summary":"First Citizens Bank originated more than 120 years ago and maintains branches in 23 states. The bank offers a free checking account as well as two that pay interest. While the minimum deposit required to open some accounts is low, higher yields can be found elsewhere on savings accounts, money market accounts and CDs.","link":"https://https://www.bankrate.com//banking/reviews/first-citizens-bank/","status":"published","advertiser_id":"6320","name":"First Citizens","scorecard":{"savings_apy":0.1,"savings_apy_rating":1,"savings_min_balance":50,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":0.01,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.05,"mma_apy_rating":1,"mma_min_to_avoid_fees":1000,"mma_min_to_avoid_fees_rating":4,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":50,"checking_min_deposit_rating":4,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"0.01_to_2.00","checking_out_of_network_atm_fee_rating":4,"checking_p2p_payments":"zelle_or_apple_pay","checking_p2p_payments_rating":4,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"25.01_to_35","checking_overdraft_fees_rating":3,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"200_to_999","checking_atm_network_rating":4,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Serving residents throughout the Southern and Midwestern U.S., Regions Bank offers all types of deposit accounts, and customers get rewarded for loyalty, such as by earning a higher CD rate when they have a checking account with the bank. The rates on Regions Bank’s products are low overall, though. There are also high minimum balance requirements to waive the monthly fee on money market and checking accounts.","link":"https://https://www.bankrate.com//banking/reviews/regions-bank/","status":"published","advertiser_id":"2244","name":"Regions","scorecard":{}},{"short_summary":"Charles Schwab Bank is ideal for consumers looking for fee-free access to ATMs all over the world, as well as a checking account that pays some interest. The federally insured bank also offers a savings account, and it’s a convenient choice for anyone who wishes to keep their investment and bank accounts all in the same place.","link":"https://https://www.bankrate.com//banking/reviews/charles-schwab-bank/","status":"published","advertiser_id":"11914","name":"Charles Schwab","scorecard":{"savings_apy":0.15,"savings_apy_rating":1,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":false,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Comerica Bank offers a full suite of deposit products. While there are many types of accounts available, they tend to have low yields and high monthly fees. However, there are ways to waive the monthly fees on each account.","link":"https://https://www.bankrate.com//banking/reviews/comerica-bank/","status":"published","advertiser_id":"1871","name":"Comerica","scorecard":{}},{"short_summary":"Members of America First Credit Union maintain membership by opening a savings account and keeping at least $1 in the account. They also have access to a full suite of deposit products, mobile banking services, loans, credit cards and more. There are minimal fees associated with the credit union’s deposit accounts. Rates on CDs are competitive, but they are less so for share savings and money market accounts.","link":"https://https://www.bankrate.com//banking/reviews/america-first-credit-union/","status":"published","advertiser_id":"5291","name":"America First Credit Union","scorecard":{"savings_apy":0.05,"savings_apy_rating":1,"savings_min_balance":1,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.35,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":1.3,"mma_apy_rating":3,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":1,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"MySavingsDirect is an online bank that’s a division of New York-based Emigrant Bank, which has been in operation since 1850. Its savings account pays a highly competitive rate, so it may be well suited for anyone comfortable banking entirely online. The bank also offers CDs, yet no money market or checking accounts are available.","link":"https://https://www.bankrate.com//banking/reviews/mysavingsdirect-bank/","status":"published","advertiser_id":"10501","name":"MySavingsDirect","scorecard":{}},{"short_summary":"Bank of the West is a larger regional bank with most of its branches operating in the Western and Midwestern U.S. It offers a range of deposit products, and it has strict environmental policies that ensure that all the bank’s activity is environmentally sustainable. Many of the bank’s monthly service fees are easy to waive, and there is no minimum required to open a checking account. However, rates are very low.\r\n\r\nBMO Harris announced that it formally acquired Bank of the West as of February 2023, though accounts remain the same for now. The bank expects to begin converting Bank of the West accounts to BMO Harris accounts later this year.","link":"https://https://www.bankrate.com//banking/reviews/bank-of-the-west/","status":"published","advertiser_id":"3868","name":"Bank of the West","scorecard":{}},{"short_summary":"State Employees’ Credit Union offers all of the standard deposit accounts, including share certificates, savings, checking and money market accounts. APYs on these products are not very competitive, but they charge minimal fees and have low minimum opening deposit requirements.\r\n\r\nThough members don’t necessarily have to live in North Carolina, they do need to have a connection to the state through their employment. Plus, branches and fee-free ATMs are limited to North Carolina.","link":"https://https://www.bankrate.com//banking/reviews/state-employees-credit-union/","status":"published","advertiser_id":"6071","name":"State Employees’ Credit Union","scorecard":{}},{"short_summary":"Zions Bank operates in Utah, Idaho and Wyoming, with online and mobile banking options as well. Its banking products include 10 CD terms, several savings accounts, money market accounts and checking accounts. Most accounts have no monthly fee, or offer ways that the monthly fee can be waived. However, rates overall are mediocre.\r\n\r\nThe bank’s ATM network is limited to Utah and Idaho. Otherwise, customers have to pay $2.50 per transaction to access their cash.","link":"https://https://www.bankrate.com//banking/reviews/zions-bank/","status":"published","advertiser_id":"5358","name":"Zions Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":true,"cd_apy":2.69,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.4,"mma_apy_rating":2,"mma_min_to_avoid_fees":1000,"mma_min_to_avoid_fees_rating":4,"mma_min_balance":1000,"mma_min_balance_rating":4,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":50,"checking_min_deposit_rating":4,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"25.01_to_35","checking_overdraft_fees_rating":3,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"n_a","checking_atm_network_rating":1,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"East West Bank is a California-based institution with a large ATM network, so even if you don’t live on the West Coast, you’ll have easy and free access to your money. However, customers looking to grow their savings won’t find much help here, as rates at East West Bank are well below the national average.","link":"https://https://www.bankrate.com//banking/reviews/east-west-bank/","status":"published","advertiser_id":"5923","name":"East West Bank","scorecard":{}},{"short_summary":"Colorado Federal Savings Bank has a small range of deposit products to choose from; only certificates of deposits and two savings accounts are available. The APYs offered for these accounts are competitive, but high minimum balance requirements may be a deal breaker for some customers. Moreover, without a mobile app, access to ATMs or common online banking functionalities available at other institutions, savers must be comfortable with banking solely through Colorado Federal Savings’ website.","link":"https://https://www.bankrate.com//banking/reviews/colorado-federal-savings-bank/","status":"published","advertiser_id":"6413","name":"Colorado Federal Savings Bank","scorecard":{}},{"short_summary":"First Tech Federal Credit Union offers a large swath of financial services, ranging from traditional deposit products like savings and checking accounts to credit cards and home loans. Though the APYs for the credit union’s share certificates are competitive, the yields for most of its savings and checking accounts leave much to be desired.","link":"https://https://www.bankrate.com//banking/reviews/first-tech-federal-credit-union/","status":"published","advertiser_id":"5447","name":"First Tech Federal Credit Union","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":5,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.5,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":5,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":0.25,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":25,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"n_a","mma_debit_atm_access_rating":0,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":null,"link":"https://https://www.bankrate.com//banking/reviews/mountain-america-credit-union/","status":"published","advertiser_id":"5505","name":"Mountain America Credit Union","scorecard":{}},{"short_summary":"Associated Bank offers a regional banking experience for customers in the Midwest. Although its branches are limited to just three states, Associated’s large ATM network extends its banking footprint past the Midwest, where the bank mainly operates. Interest rates are low for Associated Bank’s CDs, savings and money market accounts, and various fees apply, but they offer stellar checking accounts that make digital banking easy.","link":"https://https://www.bankrate.com//banking/reviews/associated-bank/","status":"published","advertiser_id":"5299","name":"Associated Bank","scorecard":{}},{"short_summary":"With more than 200 branches and low minimum deposit requirements, Glacier Bank’s large range of deposit products are easy to open and will fit many customer needs. However, most of its accounts offer very low APYs, falling well short of the competition. The bank offers good rates on select products, but those are generally the exception to the rule.","link":"https://https://www.bankrate.com//banking/reviews/glacier-bank/","status":"published","advertiser_id":"5458","name":"Glacier Bank","scorecard":{}},{"short_summary":"With 62 branches across Florida, New York and Texas, and deposit accounts available online, BankUnited is a highly accessible bank offering a wide array of products, including certificates of deposit, checking, savings and money market accounts. Its mobile app makes online banking easy, and with access to more than 55,000 fee-free Allpoint ATMs worldwide, your money is never far away. Some of its products offer robust yields, maximizing the most of your savings, but many others fall well short of the competition.","link":"https://https://www.bankrate.com//banking/reviews/bankunited/","status":"published","advertiser_id":"10496","name":"BankUnited","scorecard":{}},{"short_summary":"Frost Bank is a Texas-based institution offering a wide array of financial products and services for consumers and businesses alike. Along with a large range of deposit products, Frost offers investment services, too, making it a great bank to bring all of your financial needs under one roof. Frost is currently offering highly competitive yields on multiple deposit accounts, including certificates of deposit and money market accounts. \r\n\r\nHowever, since Frost is a highly regional bank, you may find it difficult to access your money without incurring fees.","link":"https://https://www.bankrate.com//banking/reviews/frost-bank/","status":"published","advertiser_id":"5588","name":"Frost Bank","scorecard":{}},{"short_summary":"SouthState Bank offers a wide array of banking products, ranging from consumer savings accounts and credit cards to mortgages and small business banking. The bank generally offers low yields for its savings accounts, but its wide variety of checking accounts will fit many needs.","link":"https://https://www.bankrate.com//banking/reviews/southstate-bank/","status":"published","advertiser_id":"6017","name":"SouthState Bank","scorecard":{}},{"short_summary":"BMO Alto is a new option for online-only accounts that launched in April 2023. It offers a high-yield savings account and six terms of CDs and is part of the BMO Financial Group. Customers who are looking for a competitive yield on those products will find BMO Alto to be an appealing option.","link":"https://https://www.bankrate.com//banking/reviews/bmo-alto/","status":"published","advertiser_id":"11961","name":"BMO Alto","scorecard":{"savings_apy":4,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"standard_transfers","savings_access_to_funds_rating":2,"savings_enabled":true,"cd_apy":3.9,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Forbright Bank offers a full range of personal bank accounts as well as credit cards and loans. The one-year CD earns one of the best rates around, and the two savings accounts earn high yields on some balances. While CDs can be opened online, all other deposit accounts need to be opened at a branch.","link":"https://https://www.bankrate.com//banking/reviews/forbright-bank/","status":"published","advertiser_id":"11797","name":"Forbright Bank","scorecard":{"savings_apy":4.25,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":9,"cd_apy_rating":5,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":9,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Ally Bank is a one-stop shop for online-only banking customers from coast to coast. It offers a competitive yield on its savings account, money market account and its CDs. It is a part of a large fee-free ATM network and its checking account reimburses $10 worth of out-of-network ATM fees each statement period.","link":"https://https://www.bankrate.com//banking/reviews/ally-bank/","status":"published","advertiser_id":"5068","name":"Ally Bank","scorecard":{"savings_apy":3.7,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4,"cd_apy_term":9,"cd_apy_rating":4,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":3.7,"mma_apy_rating":4,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Jenius Bank is a new, online-only bank that opened in 2023. 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const nationalAverage = "1.86"; const bankrateAverage = "4.1290846153846154"; window.nationalAverage = nationalAverage; window.bankrateAverage = bankrateAverage; </script> <section id="Section with ToC" class="section-wrapper trsy-bg-[--bg-color] bg-transparent py-0 trsy-py-[--py] frame frame gutter gutter" style="--py: 0rem; --bg-color: var(--color-transparent);"> <div class="wrapper wrapper"> <div class="TwoColumnLayout TwoColumnLayout--reversed SectionWithToc-defaultGap"> <div class="TwoColumnLayout-aside SectionWithToc-toc" > <div class="TableOfContents TOC-track" x-data> <nav aria-label="Content on this page" class="TableOfContents-sidebar display-none md:display-block TOC-container"> <p class="TableOfContents-heading type-heading-six uppercase display-block"> On This Page</p> <ul class="TableOfContents-list List"> <li class=""> <a class="TableOfContents-link" href="#best-cd-rates-from-top-banks" data-toc-jumpto="#best-cd-rates-from-top-banks" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Best CD rates from top banks" data-position="1" data-text="Best CD rates from top banks" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">Best CD rates from top banks</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#recent-news" data-toc-jumpto="#recent-news" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Recent news on CD rates" data-position="2" data-text="Recent news on CD rates" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">Recent news on CD rates</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#current-promotional-rates" data-toc-jumpto="#current-promotional-rates" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Current promotional CD rates" data-position="3" data-text="Current promotional CD rates" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">Current promotional CD rates</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#top-cd-rates-by-term" data-toc-jumpto="#top-cd-rates-by-term" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Compare top CD rates today by term" data-position="4" data-text="Compare top CD rates today by term" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">Compare top CD rates today by term</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#how-to-choose" data-toc-jumpto="#how-to-choose" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="How to choose the best CD for you" data-position="5" data-text="How to choose the best CD for you" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">How to choose the best CD for you</span> </a> </li> <li class=""> <a class="TableOfContents-link" 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All other information is current as of Feb. 17. Bankrate's editorial team validates this information regularly, typically biweekly. APYs may have changed since they were last updated and may vary by region for some products. Bankrate includes only FDIC banks or NCUA credit unions in its editorial listings.</em></p></div> <div class="wealth-dynamic-rate-block"> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/9904_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Marcus by Goldman Sachs_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/marcus/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Marcus by Goldman Sachs</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.9 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 78%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.9</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="tc933bb06-2bdd-47f1-a53e-09a35c14057d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate CD rating = 4.9/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tc933bb06-2bdd-47f1-a53e-09a35c14057d" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.75% – 4.50%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200"> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$500</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4"> <h4 class="trsy-text-base mb-2"> Term</h4> <div>6 months - 5 years</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Marcus by Goldman Sachs?</h4> <p class="trsy-mb-0">Marcus by Goldman Sachs offers CD terms ranging from six months to six years, and the minimum required opening deposit of $500 is lower than what some other banks charge. In addition to standard CDs, the online-only bank offers no-penalty CDs and a bump-rate CD.</p> </div> <ul class="Accordion w-full trsy-mb-0"> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Marcus by Goldman Sachs" data-position="1" data-text="Pros and cons" data-outcome="Pros and cons" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>Marcus CDs earn competitive yields.</li><li>A rate bump CD and three no-penalty CDs are offered.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>No specialty CDs are offered, such as bump-up CDs or no-penalty CDs.</li></ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>Marcus CDs earn competitive yields.</li><li>A rate bump CD and three no-penalty CDs are offered.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>No specialty CDs are offered, such as bump-up CDs or no-penalty CDs.</li></ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-rate-history-for-marcus-by-goldman-sachss-cd-accounts', 'heading-rate-history-for-marcus-by-goldman-sachss-cd-accounts']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-rate-history-for-marcus-by-goldman-sachss-cd-accounts')" :aria-controls="$id('panel-rate-history-for-marcus-by-goldman-sachss-cd-accounts')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Marcus by Goldman Sachs" data-position="1" data-text="Rate history for Marcus by Goldman Sachs's CD accounts" data-outcome="Rate history for Marcus by Goldman Sachs's CD accounts" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Rate history for Marcus by Goldman Sachs's CD accounts </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-rate-history-for-marcus-by-goldman-sachss-cd-accounts')" :labelledBy="$id('heading-rate-history-for-marcus-by-goldman-sachss-cd-accounts')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-marcus-by-goldman-sachs"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-marcus-by-goldman-sachs"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Marcus by Goldman Sachs</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t6bb007c2-d946-488e-8891-84ecb4b20dda" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t6bb007c2-d946-488e-8891-84ecb4b20dda" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="t2ef12b79-d0a5-4051-82f9-b052c5f47e78" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="t2ef12b79-d0a5-4051-82f9-b052c5f47e78" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-marcus-by-goldman-sachs"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-marcus-by-goldman-sachs"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-marcus-by-goldman-sachs">Term length</label> <select class="FormSelect lowercase" id="term-length-marcus-by-goldman-sachs"> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="14">14 months</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-marcus-by-goldman-sachs" id="table-view-marcus-by-goldman-sachs"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="te679172b-efee-4253-9e13-63d210862fcf" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="te679172b-efee-4253-9e13-63d210862fcf" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-marcus-by-goldman-sachs', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-marcus-by-goldman-sachs" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-marcus-by-goldman-sachs" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Marcus by Goldman Sachs CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-marcus-by-goldman-sachs"> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="14">14 months</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t14d2941f-09ec-4c1c-a083-bf60900aec69" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t14d2941f-09ec-4c1c-a083-bf60900aec69" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Marcus by Goldman Sachs<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t87529a36-b9cd-45f4-8d7a-564836862d61" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t87529a36-b9cd-45f4-8d7a-564836862d61" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t26b3e70c-b0ed-47df-830a-8938ceb92a03" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t26b3e70c-b0ed-47df-830a-8938ceb92a03" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t9182b511-a994-4e2a-a011-e48037a5ff40" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t9182b511-a994-4e2a-a011-e48037a5ff40" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-marcus-by-goldman-sachs"> <tr> <td> 02/04/2025</td> <td> 3.75%</td> <td> 1.54%</td> </tr> <tr> <td> 01/16/2025</td> <td> 3.75%</td> <td> 1.43%</td> </tr> <tr> <td> 01/02/2025</td> <td> 3.65%</td> <td> 1.43%</td> </tr> <tr> <td> 12/13/2024</td> <td> 3.65%</td> <td> 1.42%</td> </tr> <tr> <td> 11/08/2024</td> <td> 3.60%</td> <td> 1.42%</td> </tr> <tr> <td> 10/03/2024</td> <td> 3.80%</td> <td> 1.42%</td> </tr> <tr> <td> 10/01/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 09/03/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 08/06/2024</td> <td> 4.00%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 03/08/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 02/21/2024</td> <td> 4.10%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-marcus-by-goldman-sachs" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-rate-history-for-marcus-by-goldman-sachss-cd-accounts')" :labelledBy="$id('heading-rate-history-for-marcus-by-goldman-sachss-cd-accounts')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-marcus-by-goldman-sachs"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-marcus-by-goldman-sachs"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Marcus by Goldman Sachs</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t6bb007c2-d946-488e-8891-84ecb4b20dda" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t6bb007c2-d946-488e-8891-84ecb4b20dda" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="t2ef12b79-d0a5-4051-82f9-b052c5f47e78" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="t2ef12b79-d0a5-4051-82f9-b052c5f47e78" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-marcus-by-goldman-sachs"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-marcus-by-goldman-sachs"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-marcus-by-goldman-sachs">Term length</label> <select class="FormSelect lowercase" id="term-length-marcus-by-goldman-sachs"> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="14">14 months</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-marcus-by-goldman-sachs" id="table-view-marcus-by-goldman-sachs"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="te679172b-efee-4253-9e13-63d210862fcf" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="te679172b-efee-4253-9e13-63d210862fcf" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-marcus-by-goldman-sachs', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-marcus-by-goldman-sachs" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-marcus-by-goldman-sachs" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Marcus by Goldman Sachs CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-marcus-by-goldman-sachs"> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="14">14 months</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t14d2941f-09ec-4c1c-a083-bf60900aec69" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t14d2941f-09ec-4c1c-a083-bf60900aec69" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Marcus by Goldman Sachs<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t87529a36-b9cd-45f4-8d7a-564836862d61" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t87529a36-b9cd-45f4-8d7a-564836862d61" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t26b3e70c-b0ed-47df-830a-8938ceb92a03" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t26b3e70c-b0ed-47df-830a-8938ceb92a03" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t9182b511-a994-4e2a-a011-e48037a5ff40" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t9182b511-a994-4e2a-a011-e48037a5ff40" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-marcus-by-goldman-sachs"> <tr> <td> 02/04/2025</td> <td> 3.75%</td> <td> 1.54%</td> </tr> <tr> <td> 01/16/2025</td> <td> 3.75%</td> <td> 1.43%</td> </tr> <tr> <td> 01/02/2025</td> <td> 3.65%</td> <td> 1.43%</td> </tr> <tr> <td> 12/13/2024</td> <td> 3.65%</td> <td> 1.42%</td> </tr> <tr> <td> 11/08/2024</td> <td> 3.60%</td> <td> 1.42%</td> </tr> <tr> <td> 10/03/2024</td> <td> 3.80%</td> <td> 1.42%</td> </tr> <tr> <td> 10/01/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 09/03/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 08/06/2024</td> <td> 4.00%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 03/08/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 02/21/2024</td> <td> 4.10%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-marcus-by-goldman-sachs" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </noscript> </li> <li x-id="['panel-current-marcus-by-goldman-sachs-cd-rates', 'heading-current-marcus-by-goldman-sachs-cd-rates']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-current-marcus-by-goldman-sachs-cd-rates')" :aria-controls="$id('panel-current-marcus-by-goldman-sachs-cd-rates')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Marcus by Goldman Sachs" data-position="1" data-text="Current Marcus by Goldman Sachs CD Rates" data-outcome="Current Marcus by Goldman Sachs CD Rates" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Current Marcus by Goldman Sachs CD Rates </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-current-marcus-by-goldman-sachs-cd-rates')" :labelledBy="$id('heading-current-marcus-by-goldman-sachs-cd-rates')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 4.20% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 4.30% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.25% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 14 months </td> <td> 4.50% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 4.10% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 4.10% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 4.00% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 3.75% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 3.75% APY </td> <td> $500</td> </tr> </tbody> </table> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-current-marcus-by-goldman-sachs-cd-rates')" :labelledBy="$id('heading-current-marcus-by-goldman-sachs-cd-rates')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 4.20% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 4.30% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.25% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 14 months </td> <td> 4.50% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 4.10% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 4.10% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 4.00% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 3.75% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 3.75% APY </td> <td> $500</td> </tr> </tbody> </table> </div> </div> </div> </noscript> </li> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/11871_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Bask Bank_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/bask-bank/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Bask Bank</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.5</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="t33df1957-3331-4d3b-8e1e-44037f9e488d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate CD rating = 4.5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t33df1957-3331-4d3b-8e1e-44037f9e488d" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.75% – 4.50%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200"> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$1,000</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4"> <h4 class="trsy-text-base mb-2"> Term</h4> <div>3 months - 2 years</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Bask Bank?</h4> <p class="trsy-mb-0">Bask Bank started offering CDs in October 2022. Bask Bank offers four terms of CDs. These terms range from six months to two years. You’ll need at least $1,000 to open a CD at Bask Bank. Those looking for CD terms longer than two years will have to look elsewhere. You’ll also need to look at other banks for other types of CDs, such as a no-penalty CD. You can only have five single account CDs and five jointly-owned CDs per CD term at Bask Bank.</p> </div> <ul class="Accordion w-full trsy-mb-0"> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Bask Bank" data-position="2" data-text="Pros and cons" data-outcome="Pros and cons" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>Bask Bank offers competitive yields on all of its CDs. </li><li>Bask Bank’s minimum opening deposit is the same as or lower than some banks.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>Bask Bank doesn’t offer terms longer than two years.</li><li>Bask Bank doesn’t offer any specialty CDs, such as a no-penalty CD.</li></ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>Bask Bank offers competitive yields on all of its CDs. </li><li>Bask Bank’s minimum opening deposit is the same as or lower than some banks.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>Bask Bank doesn’t offer terms longer than two years.</li><li>Bask Bank doesn’t offer any specialty CDs, such as a no-penalty CD.</li></ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-rate-history-for-bask-banks-cd-accounts', 'heading-rate-history-for-bask-banks-cd-accounts']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-rate-history-for-bask-banks-cd-accounts')" :aria-controls="$id('panel-rate-history-for-bask-banks-cd-accounts')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Bask Bank" data-position="2" data-text="Rate history for Bask Bank's CD accounts" data-outcome="Rate history for Bask Bank's CD accounts" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Rate history for Bask Bank's CD accounts </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-rate-history-for-bask-banks-cd-accounts')" :labelledBy="$id('heading-rate-history-for-bask-banks-cd-accounts')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-bask-bank"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-bask-bank"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Bask Bank</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="tcc7b5cef-a1da-44a2-97f8-7393ac21830e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="tcc7b5cef-a1da-44a2-97f8-7393ac21830e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="t3a20c3ec-7ca3-489f-ba36-62745da27fe5" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="t3a20c3ec-7ca3-489f-ba36-62745da27fe5" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-bask-bank"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-bask-bank"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-bask-bank">Term length</label> <select class="FormSelect lowercase" id="term-length-bask-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-bask-bank" id="table-view-bask-bank"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="tdfa31433-dab3-4258-b1a5-e9e67dfeb5a6" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tdfa31433-dab3-4258-b1a5-e9e67dfeb5a6" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-bask-bank', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-bask-bank" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-bask-bank" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Bask Bank CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-bask-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t34b0c933-c80f-470b-9826-1194c32505db" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t34b0c933-c80f-470b-9826-1194c32505db" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Bask Bank<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="td5b3f041-62ed-4e05-851b-7106648451d1" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="td5b3f041-62ed-4e05-851b-7106648451d1" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t2bb66444-f8eb-4784-b69d-cb06b0d402aa" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t2bb66444-f8eb-4784-b69d-cb06b0d402aa" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t4d300f0f-e480-400d-9949-cd332e0c5627" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t4d300f0f-e480-400d-9949-cd332e0c5627" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-bask-bank"> <tr> <td> 02/04/2025</td> <td> 3.75%</td> <td> 1.62%</td> </tr> <tr> <td> 01/07/2025</td> <td> 3.75%</td> <td> 1.52%</td> </tr> <tr> <td> 12/03/2024</td> <td> 3.75%</td> <td> 1.50%</td> </tr> <tr> <td> 11/05/2024</td> <td> 3.75%</td> <td> 1.51%</td> </tr> <tr> <td> 10/01/2024</td> <td> 3.75%</td> <td> 1.49%</td> </tr> <tr> <td> 09/30/2024</td> <td> 3.75%</td> <td> 1.51%</td> </tr> <tr> <td> 09/18/2024</td> <td> 4.00%</td> <td> 1.51%</td> </tr> <tr> <td> 09/09/2024</td> <td> 4.50%</td> <td> 1.51%</td> </tr> <tr> <td> 09/03/2024</td> <td> 4.75%</td> <td> 1.51%</td> </tr> <tr> <td> 08/06/2024</td> <td> 4.75%</td> <td> 1.54%</td> </tr> <tr> <td> 06/11/2024</td> <td> 4.75%</td> <td> 1.53%</td> </tr> <tr> <td> 06/04/2024</td> <td> 4.50%</td> <td> 1.53%</td> </tr> <tr> <td> 05/07/2024</td> <td> 4.50%</td> <td> 1.52%</td> </tr> <tr> <td> 04/02/2024</td> <td> 4.50%</td> <td> 1.51%</td> </tr> <tr> <td> 03/12/2024</td> <td> 4.50%</td> <td> 1.52%</td> </tr> <tr> <td> 02/27/2024</td> <td> 4.50%</td> <td> 1.49%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-bask-bank" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-rate-history-for-bask-banks-cd-accounts')" :labelledBy="$id('heading-rate-history-for-bask-banks-cd-accounts')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-bask-bank"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-bask-bank"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Bask Bank</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="tcc7b5cef-a1da-44a2-97f8-7393ac21830e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="tcc7b5cef-a1da-44a2-97f8-7393ac21830e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="t3a20c3ec-7ca3-489f-ba36-62745da27fe5" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="t3a20c3ec-7ca3-489f-ba36-62745da27fe5" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-bask-bank"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-bask-bank"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-bask-bank">Term length</label> <select class="FormSelect lowercase" id="term-length-bask-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-bask-bank" id="table-view-bask-bank"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="tdfa31433-dab3-4258-b1a5-e9e67dfeb5a6" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tdfa31433-dab3-4258-b1a5-e9e67dfeb5a6" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-bask-bank', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-bask-bank" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-bask-bank" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Bask Bank CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-bask-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t34b0c933-c80f-470b-9826-1194c32505db" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t34b0c933-c80f-470b-9826-1194c32505db" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Bask Bank<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="td5b3f041-62ed-4e05-851b-7106648451d1" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="td5b3f041-62ed-4e05-851b-7106648451d1" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t2bb66444-f8eb-4784-b69d-cb06b0d402aa" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t2bb66444-f8eb-4784-b69d-cb06b0d402aa" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t4d300f0f-e480-400d-9949-cd332e0c5627" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t4d300f0f-e480-400d-9949-cd332e0c5627" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-bask-bank"> <tr> <td> 02/04/2025</td> <td> 3.75%</td> <td> 1.62%</td> </tr> <tr> <td> 01/07/2025</td> <td> 3.75%</td> <td> 1.52%</td> </tr> <tr> <td> 12/03/2024</td> <td> 3.75%</td> <td> 1.50%</td> </tr> <tr> <td> 11/05/2024</td> <td> 3.75%</td> <td> 1.51%</td> </tr> <tr> <td> 10/01/2024</td> <td> 3.75%</td> <td> 1.49%</td> </tr> <tr> <td> 09/30/2024</td> <td> 3.75%</td> <td> 1.51%</td> </tr> <tr> <td> 09/18/2024</td> <td> 4.00%</td> <td> 1.51%</td> </tr> <tr> <td> 09/09/2024</td> <td> 4.50%</td> <td> 1.51%</td> </tr> <tr> <td> 09/03/2024</td> <td> 4.75%</td> <td> 1.51%</td> </tr> <tr> <td> 08/06/2024</td> <td> 4.75%</td> <td> 1.54%</td> </tr> <tr> <td> 06/11/2024</td> <td> 4.75%</td> <td> 1.53%</td> </tr> <tr> <td> 06/04/2024</td> <td> 4.50%</td> <td> 1.53%</td> </tr> <tr> <td> 05/07/2024</td> <td> 4.50%</td> <td> 1.52%</td> </tr> <tr> <td> 04/02/2024</td> <td> 4.50%</td> <td> 1.51%</td> </tr> <tr> <td> 03/12/2024</td> <td> 4.50%</td> <td> 1.52%</td> </tr> <tr> <td> 02/27/2024</td> <td> 4.50%</td> <td> 1.49%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-bask-bank" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </noscript> </li> <li x-id="['panel-current-bask-bank-cd-rates', 'heading-current-bask-bank-cd-rates']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-current-bask-bank-cd-rates')" :aria-controls="$id('panel-current-bask-bank-cd-rates')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Bask Bank" data-position="2" data-text="Current Bask Bank CD Rates" data-outcome="Current Bask Bank CD Rates" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Current Bask Bank CD Rates </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-current-bask-bank-cd-rates')" :labelledBy="$id('heading-current-bask-bank-cd-rates')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 months </td> <td> 4.50% APY </td> <td> $1,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 4.45% APY </td> <td> $1,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 4.50% APY </td> <td> $1,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.40% APY </td> <td> $1,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 4.00% APY </td> <td> $1,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 3.75% APY </td> <td> $1,000</td> </tr> </tbody> </table> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-current-bask-bank-cd-rates')" :labelledBy="$id('heading-current-bask-bank-cd-rates')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 months </td> <td> 4.50% APY </td> <td> $1,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 4.45% APY </td> <td> $1,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 4.50% APY </td> <td> $1,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.40% APY </td> <td> $1,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 4.00% APY </td> <td> $1,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 3.75% APY </td> <td> $1,000</td> </tr> </tbody> </table> </div> </div> </div> </noscript> </li> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/8289_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Synchrony Bank_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/synchrony-bank/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Synchrony Bank</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.9 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 78%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.9</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="t69b0e9c4-5c2b-46e0-ad43-a58d57d1d1cf" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate CD rating = 4.9/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t69b0e9c4-5c2b-46e0-ad43-a58d57d1d1cf" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>0.25% – 4.35%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200"> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$0</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4"> <h4 class="trsy-text-base mb-2"> Term</h4> <div>3 months - 5 years</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Synchrony Bank?</h4> <p class="trsy-mb-0">Synchrony Bank offers many regular CDs ranging from three months to five years. It also added a no-penalty CD and a bump-up CD earlier this year. Synchrony Bank also offers IRA CDs.</p> </div> <ul class="Accordion w-full trsy-mb-0"> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Synchrony Bank" data-position="3" data-text="Pros and cons" data-outcome="Pros and cons" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>Synchrony Bank offers many terms of CDs. It offers a competitive yield, and it doesn’t require a minimum opening deposit.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>Partial withdrawals on the no-penalty CD are not allowed.</li></ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>Synchrony Bank offers many terms of CDs. It offers a competitive yield, and it doesn’t require a minimum opening deposit.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>Partial withdrawals on the no-penalty CD are not allowed.</li></ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-rate-history-for-synchrony-banks-cd-accounts', 'heading-rate-history-for-synchrony-banks-cd-accounts']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-rate-history-for-synchrony-banks-cd-accounts')" :aria-controls="$id('panel-rate-history-for-synchrony-banks-cd-accounts')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Synchrony Bank" data-position="3" data-text="Rate history for Synchrony Bank's CD accounts" data-outcome="Rate history for Synchrony Bank's CD accounts" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Rate history for Synchrony Bank's CD accounts </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-rate-history-for-synchrony-banks-cd-accounts')" :labelledBy="$id('heading-rate-history-for-synchrony-banks-cd-accounts')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-synchrony-bank"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-synchrony-bank"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Synchrony Bank</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t46de133c-b100-41a8-9c7d-96475ff9735e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t46de133c-b100-41a8-9c7d-96475ff9735e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="t5eb971ed-2ae1-4f40-8d77-b490c9bada81" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="t5eb971ed-2ae1-4f40-8d77-b490c9bada81" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-synchrony-bank"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-synchrony-bank"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-synchrony-bank">Term length</label> <select class="FormSelect lowercase" id="term-length-synchrony-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="11">11 months</option> <option value="12">1 year</option> <option value="13">13 months</option> <option value="14">14 months</option> <option value="15">15 months</option> <option value="16">16 months</option> <option value="18">18 months</option> <option value="19">19 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-synchrony-bank" id="table-view-synchrony-bank"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="t270be894-2186-4076-82d5-dd556a2159e3" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t270be894-2186-4076-82d5-dd556a2159e3" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-synchrony-bank', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-synchrony-bank" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-synchrony-bank" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Synchrony Bank CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-synchrony-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="11">11 months</option> <option value="12">1 year</option> <option value="13">13 months</option> <option value="14">14 months</option> <option value="15">15 months</option> <option value="16">16 months</option> <option value="18">18 months</option> <option value="19">19 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="tad132e97-3829-409f-a89d-4490ffc78d8d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tad132e97-3829-409f-a89d-4490ffc78d8d" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Synchrony Bank<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="ta675c3cf-6f3d-4be0-962f-36f985f6bec0" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="ta675c3cf-6f3d-4be0-962f-36f985f6bec0" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="ta8fdfd8d-66e4-4b90-b7e4-7d2f8677b261" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="ta8fdfd8d-66e4-4b90-b7e4-7d2f8677b261" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="tb4f010e5-5c7b-4593-9baa-a06ca5c13b29" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tb4f010e5-5c7b-4593-9baa-a06ca5c13b29" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-synchrony-bank"> <tr> <td> 02/04/2025</td> <td> 4.15%</td> <td> 1.54%</td> </tr> <tr> <td> 01/16/2025</td> <td> 4.15%</td> <td> 1.43%</td> </tr> <tr> <td> 01/07/2025</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 10/01/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 09/03/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 08/02/2024</td> <td> 4.00%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 03/12/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-synchrony-bank" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-rate-history-for-synchrony-banks-cd-accounts')" :labelledBy="$id('heading-rate-history-for-synchrony-banks-cd-accounts')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-synchrony-bank"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-synchrony-bank"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Synchrony Bank</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t46de133c-b100-41a8-9c7d-96475ff9735e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t46de133c-b100-41a8-9c7d-96475ff9735e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="t5eb971ed-2ae1-4f40-8d77-b490c9bada81" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="t5eb971ed-2ae1-4f40-8d77-b490c9bada81" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-synchrony-bank"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-synchrony-bank"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-synchrony-bank">Term length</label> <select class="FormSelect lowercase" id="term-length-synchrony-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="11">11 months</option> <option value="12">1 year</option> <option value="13">13 months</option> <option value="14">14 months</option> <option value="15">15 months</option> <option value="16">16 months</option> <option value="18">18 months</option> <option value="19">19 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-synchrony-bank" id="table-view-synchrony-bank"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="t270be894-2186-4076-82d5-dd556a2159e3" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t270be894-2186-4076-82d5-dd556a2159e3" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-synchrony-bank', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-synchrony-bank" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-synchrony-bank" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Synchrony Bank CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-synchrony-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="11">11 months</option> <option value="12">1 year</option> <option value="13">13 months</option> <option value="14">14 months</option> <option value="15">15 months</option> <option value="16">16 months</option> <option value="18">18 months</option> <option value="19">19 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="tad132e97-3829-409f-a89d-4490ffc78d8d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tad132e97-3829-409f-a89d-4490ffc78d8d" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Synchrony Bank<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="ta675c3cf-6f3d-4be0-962f-36f985f6bec0" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="ta675c3cf-6f3d-4be0-962f-36f985f6bec0" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="ta8fdfd8d-66e4-4b90-b7e4-7d2f8677b261" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="ta8fdfd8d-66e4-4b90-b7e4-7d2f8677b261" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="tb4f010e5-5c7b-4593-9baa-a06ca5c13b29" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tb4f010e5-5c7b-4593-9baa-a06ca5c13b29" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-synchrony-bank"> <tr> <td> 02/04/2025</td> <td> 4.15%</td> <td> 1.54%</td> </tr> <tr> <td> 01/16/2025</td> <td> 4.15%</td> <td> 1.43%</td> </tr> <tr> <td> 01/07/2025</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 10/01/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 09/03/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 08/02/2024</td> <td> 4.00%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 03/12/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-synchrony-bank" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </noscript> </li> <li x-id="['panel-current-synchrony-bank-cd-rates', 'heading-current-synchrony-bank-cd-rates']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-current-synchrony-bank-cd-rates')" :aria-controls="$id('panel-current-synchrony-bank-cd-rates')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Synchrony Bank" data-position="3" data-text="Current Synchrony Bank CD Rates" data-outcome="Current Synchrony Bank CD Rates" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Current Synchrony Bank CD Rates </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-current-synchrony-bank-cd-rates')" :labelledBy="$id('heading-current-synchrony-bank-cd-rates')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 months </td> <td> 0.25% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 3.70% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 11 months </td> <td> 0.25% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 13 months </td> <td> 4.35% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 14 months </td> <td> 4.25% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 15 months </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 16 months </td> <td> 4.15% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 3.80% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 19 months </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 4.15% APY </td> <td> $0</td> </tr> </tbody> </table> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-current-synchrony-bank-cd-rates')" :labelledBy="$id('heading-current-synchrony-bank-cd-rates')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 months </td> <td> 0.25% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 3.70% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 11 months </td> <td> 0.25% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 13 months </td> <td> 4.35% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 14 months </td> <td> 4.25% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 15 months </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 16 months </td> <td> 4.15% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 3.80% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 19 months </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 4.15% APY </td> <td> $0</td> </tr> </tbody> </table> </div> </div> </div> </noscript> </li> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://a.storyblok.com/f/102997/396x127/184cb1c225/americafirstlogo.png?auto=webp&fit=&width=200&format=pjpg" alt="America First Credit Union_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/america-first-credit-union/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">America First Credit Union</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">5.0</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="td4a7026c-c838-48e3-8f21-51c691de2a54" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate CD rating = 5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="td4a7026c-c838-48e3-8f21-51c691de2a54" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>4.10% – 4.35%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200"> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$500</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4"> <h4 class="trsy-text-base mb-2"> Term</h4> <div>3 months - 5 years</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why America First Credit Union?</h4> <p class="trsy-mb-0">America First Credit Union offers a wide range of CD terms between three and 60 months, and all earn rates that are highly competitive. Also offered are specialty CDs such as a bump-rate CD and a flexible CD. All CDs require a manageable minimum opening deposit.</p> </div> <ul class="Accordion w-full trsy-mb-0"> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="America First Credit Union" data-position="4" data-text="Pros and cons" data-outcome="Pros and cons" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>CD rates from America First are highly competitive. Specialty CDs are available, including a bump-up option. Both the standard and specialty CDs require low minimum deposits.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>Bump rates may only be adjusted once per term. </li></ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>CD rates from America First are highly competitive. Specialty CDs are available, including a bump-up option. Both the standard and specialty CDs require low minimum deposits.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>Bump rates may only be adjusted once per term. </li></ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-rate-history-for-america-first-credit-unions-cd-accounts', 'heading-rate-history-for-america-first-credit-unions-cd-accounts']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-rate-history-for-america-first-credit-unions-cd-accounts')" :aria-controls="$id('panel-rate-history-for-america-first-credit-unions-cd-accounts')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="America First Credit Union" data-position="4" data-text="Rate history for America First Credit Union's CD accounts" data-outcome="Rate history for America First Credit Union's CD accounts" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Rate history for America First Credit Union's CD accounts </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-rate-history-for-america-first-credit-unions-cd-accounts')" :labelledBy="$id('heading-rate-history-for-america-first-credit-unions-cd-accounts')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-america-first-credit-union"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-america-first-credit-union"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">America First Credit Union</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t73db28e8-f031-4fab-9630-d187abc22caa" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t73db28e8-f031-4fab-9630-d187abc22caa" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="tc4bc385c-d2f6-4f32-ae9e-57103a2421c7" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="tc4bc385c-d2f6-4f32-ae9e-57103a2421c7" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-america-first-credit-union"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-america-first-credit-union"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-america-first-credit-union">Term length</label> <select class="FormSelect lowercase" id="term-length-america-first-credit-union"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="30">30 months</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-america-first-credit-union" id="table-view-america-first-credit-union"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="t93ac1c34-0def-4348-b883-e47db2eb2685" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t93ac1c34-0def-4348-b883-e47db2eb2685" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-america-first-credit-union', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-america-first-credit-union" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-america-first-credit-union" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>America First Credit Union CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-america-first-credit-union"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="30">30 months</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t6eb47c40-fe24-47a4-83a5-e74c5bb8be7e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t6eb47c40-fe24-47a4-83a5-e74c5bb8be7e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> America First Credit Union<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t4d56bcbd-e577-45ce-891e-9730e7166383" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t4d56bcbd-e577-45ce-891e-9730e7166383" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t850ff255-eaa2-4e9d-9151-364a543660de" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t850ff255-eaa2-4e9d-9151-364a543660de" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t6372d1b5-c2e7-466d-92f7-741da2e8f27e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t6372d1b5-c2e7-466d-92f7-741da2e8f27e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-america-first-credit-union"> <tr> <td> 02/04/2025</td> <td> 4.25%</td> <td> 1.54%</td> </tr> <tr> <td> 01/07/2025</td> <td> 4.25%</td> <td> 1.43%</td> </tr> <tr> <td> 11/19/2024</td> <td> 4.25%</td> <td> 1.42%</td> </tr> <tr> <td> 10/29/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> <tr> <td> 10/01/2024</td> <td> 3.85%</td> <td> 1.42%</td> </tr> <tr> <td> 09/24/2024</td> <td> 3.85%</td> <td> 1.43%</td> </tr> <tr> <td> 09/17/2024</td> <td> 3.95%</td> <td> 1.43%</td> </tr> <tr> <td> 09/10/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 09/03/2024</td> <td> 4.10%</td> <td> 1.43%</td> </tr> <tr> <td> 08/27/2024</td> <td> 4.10%</td> <td> 1.44%</td> </tr> <tr> <td> 08/06/2024</td> <td> 4.20%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 4.20%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 4.20%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 4.20%</td> <td> 1.42%</td> </tr> <tr> <td> 03/12/2024</td> <td> 4.20%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 4.20%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-america-first-credit-union" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-rate-history-for-america-first-credit-unions-cd-accounts')" :labelledBy="$id('heading-rate-history-for-america-first-credit-unions-cd-accounts')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-america-first-credit-union"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-america-first-credit-union"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">America First Credit Union</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t73db28e8-f031-4fab-9630-d187abc22caa" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t73db28e8-f031-4fab-9630-d187abc22caa" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="tc4bc385c-d2f6-4f32-ae9e-57103a2421c7" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="tc4bc385c-d2f6-4f32-ae9e-57103a2421c7" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-america-first-credit-union"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-america-first-credit-union"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-america-first-credit-union">Term length</label> <select class="FormSelect lowercase" id="term-length-america-first-credit-union"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="30">30 months</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-america-first-credit-union" id="table-view-america-first-credit-union"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="t93ac1c34-0def-4348-b883-e47db2eb2685" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t93ac1c34-0def-4348-b883-e47db2eb2685" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-america-first-credit-union', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-america-first-credit-union" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-america-first-credit-union" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>America First Credit Union CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-america-first-credit-union"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="30">30 months</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t6eb47c40-fe24-47a4-83a5-e74c5bb8be7e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t6eb47c40-fe24-47a4-83a5-e74c5bb8be7e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> America First Credit Union<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t4d56bcbd-e577-45ce-891e-9730e7166383" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t4d56bcbd-e577-45ce-891e-9730e7166383" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t850ff255-eaa2-4e9d-9151-364a543660de" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t850ff255-eaa2-4e9d-9151-364a543660de" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t6372d1b5-c2e7-466d-92f7-741da2e8f27e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t6372d1b5-c2e7-466d-92f7-741da2e8f27e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-america-first-credit-union"> <tr> <td> 02/04/2025</td> <td> 4.25%</td> <td> 1.54%</td> </tr> <tr> <td> 01/07/2025</td> <td> 4.25%</td> <td> 1.43%</td> </tr> <tr> <td> 11/19/2024</td> <td> 4.25%</td> <td> 1.42%</td> </tr> <tr> <td> 10/29/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> <tr> <td> 10/01/2024</td> <td> 3.85%</td> <td> 1.42%</td> </tr> <tr> <td> 09/24/2024</td> <td> 3.85%</td> <td> 1.43%</td> </tr> <tr> <td> 09/17/2024</td> <td> 3.95%</td> <td> 1.43%</td> </tr> <tr> <td> 09/10/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 09/03/2024</td> <td> 4.10%</td> <td> 1.43%</td> </tr> <tr> <td> 08/27/2024</td> <td> 4.10%</td> <td> 1.44%</td> </tr> <tr> <td> 08/06/2024</td> <td> 4.20%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 4.20%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 4.20%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 4.20%</td> <td> 1.42%</td> </tr> <tr> <td> 03/12/2024</td> <td> 4.20%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 4.20%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-america-first-credit-union" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </noscript> </li> <li x-id="['panel-current-america-first-credit-union-cd-rates', 'heading-current-america-first-credit-union-cd-rates']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-current-america-first-credit-union-cd-rates')" :aria-controls="$id('panel-current-america-first-credit-union-cd-rates')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="America First Credit Union" data-position="4" data-text="Current America First Credit Union CD Rates" data-outcome="Current America First Credit Union CD Rates" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Current America First Credit Union CD Rates </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-current-america-first-credit-union-cd-rates')" :labelledBy="$id('heading-current-america-first-credit-union-cd-rates')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 months </td> <td> 4.35% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 4.35% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 4.35% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.35% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 4.10% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 4.15% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 30 months </td> <td> 4.15% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 4.15% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 4.20% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 4.25% APY </td> <td> $500</td> </tr> </tbody> </table> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-current-america-first-credit-union-cd-rates')" :labelledBy="$id('heading-current-america-first-credit-union-cd-rates')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 months </td> <td> 4.35% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 4.35% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 4.35% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.35% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 4.10% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 4.15% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 30 months </td> <td> 4.15% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 4.15% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 4.20% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 4.25% APY </td> <td> $500</td> </tr> </tbody> </table> </div> </div> </div> </noscript> </li> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/10462_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Vio Bank_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/vio-bank/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Vio Bank</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.2 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 29%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.2</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="tffdb0f4c-c874-4107-9d7b-b4664db68979" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate CD rating = 4.2/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tffdb0f4c-c874-4107-9d7b-b4664db68979" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>2.75% – 4.30%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200"> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$500</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4"> <h4 class="trsy-text-base mb-2"> Term</h4> <div>6 months - 5 years</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Vio Bank?</h4> <p class="trsy-mb-0">Vio Bank offers traditional CDs with terms ranging from six months to 10 years, an extensive variety compared to some other banks. The minimum deposit for each account is relatively low at $500. CDs automatically renew once they mature following a 10 day grace period. Yields are competitive for all CDs, but Vio’s highest APYs are for CDs with terms of three years or less.</p> </div> <ul class="Accordion w-full trsy-mb-0"> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Vio Bank" data-position="5" data-text="Pros and cons" data-outcome="Pros and cons" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>There is a wide variety of terms available.</li><li>Some banks have much higher minimum deposit requirements.</li><li>CD rates are highly competitive.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <div> </div><ul><li>Early withdrawals come with a high penalty.</li><li>There are no special types of CDs or promotions available.</li><li>Some online banks offer higher CD rates.</li></ul><div> </div></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>There is a wide variety of terms available.</li><li>Some banks have much higher minimum deposit requirements.</li><li>CD rates are highly competitive.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <div> </div><ul><li>Early withdrawals come with a high penalty.</li><li>There are no special types of CDs or promotions available.</li><li>Some online banks offer higher CD rates.</li></ul><div> </div></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-rate-history-for-vio-banks-cd-accounts', 'heading-rate-history-for-vio-banks-cd-accounts']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-rate-history-for-vio-banks-cd-accounts')" :aria-controls="$id('panel-rate-history-for-vio-banks-cd-accounts')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Vio Bank" data-position="5" data-text="Rate history for Vio Bank's CD accounts" data-outcome="Rate history for Vio Bank's CD accounts" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Rate history for Vio Bank's CD accounts </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-rate-history-for-vio-banks-cd-accounts')" :labelledBy="$id('heading-rate-history-for-vio-banks-cd-accounts')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-vio-bank"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-vio-bank"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Vio Bank</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t2db62762-2d08-4539-bb3f-a3f34339aaaa" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t2db62762-2d08-4539-bb3f-a3f34339aaaa" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="tf6f6648c-e351-42db-b060-864fd17d1986" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="tf6f6648c-e351-42db-b060-864fd17d1986" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-vio-bank"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-vio-bank"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-vio-bank">Term length</label> <select class="FormSelect lowercase" id="term-length-vio-bank"> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-vio-bank" id="table-view-vio-bank"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="t9b213f8b-5aad-47e5-bb7d-33c09f792ee2" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t9b213f8b-5aad-47e5-bb7d-33c09f792ee2" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-vio-bank', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-vio-bank" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-vio-bank" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Vio Bank CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-vio-bank"> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="tca772230-ec05-4fbd-8ffe-814fceaf751d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tca772230-ec05-4fbd-8ffe-814fceaf751d" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Vio Bank<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="te0297f62-cd85-46bd-9fa5-84e610578e15" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="te0297f62-cd85-46bd-9fa5-84e610578e15" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="tc80bf807-6497-442a-88fe-df96af16281e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="tc80bf807-6497-442a-88fe-df96af16281e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="tc7a63592-bb18-4731-bbfe-3cdfea2e31a6" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tc7a63592-bb18-4731-bbfe-3cdfea2e31a6" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-vio-bank"> <tr> <td> 02/04/2025</td> <td> 2.75%</td> <td> 1.54%</td> </tr> <tr> <td> 01/07/2025</td> <td> 2.75%</td> <td> 1.43%</td> </tr> <tr> <td> 10/01/2024</td> <td> 2.75%</td> <td> 1.42%</td> </tr> <tr> <td> 09/03/2024</td> <td> 2.75%</td> <td> 1.43%</td> </tr> <tr> <td> 08/06/2024</td> <td> 2.75%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 2.75%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 2.75%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 2.75%</td> <td> 1.42%</td> </tr> <tr> <td> 03/12/2024</td> <td> 2.75%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 2.75%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-vio-bank" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-rate-history-for-vio-banks-cd-accounts')" :labelledBy="$id('heading-rate-history-for-vio-banks-cd-accounts')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-vio-bank"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-vio-bank"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Vio Bank</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t2db62762-2d08-4539-bb3f-a3f34339aaaa" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t2db62762-2d08-4539-bb3f-a3f34339aaaa" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="tf6f6648c-e351-42db-b060-864fd17d1986" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="tf6f6648c-e351-42db-b060-864fd17d1986" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-vio-bank"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-vio-bank"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-vio-bank">Term length</label> <select class="FormSelect lowercase" id="term-length-vio-bank"> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-vio-bank" id="table-view-vio-bank"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="t9b213f8b-5aad-47e5-bb7d-33c09f792ee2" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t9b213f8b-5aad-47e5-bb7d-33c09f792ee2" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-vio-bank', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-vio-bank" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-vio-bank" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Vio Bank CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-vio-bank"> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="tca772230-ec05-4fbd-8ffe-814fceaf751d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tca772230-ec05-4fbd-8ffe-814fceaf751d" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Vio Bank<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="te0297f62-cd85-46bd-9fa5-84e610578e15" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="te0297f62-cd85-46bd-9fa5-84e610578e15" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="tc80bf807-6497-442a-88fe-df96af16281e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="tc80bf807-6497-442a-88fe-df96af16281e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="tc7a63592-bb18-4731-bbfe-3cdfea2e31a6" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tc7a63592-bb18-4731-bbfe-3cdfea2e31a6" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-vio-bank"> <tr> <td> 02/04/2025</td> <td> 2.75%</td> <td> 1.54%</td> </tr> <tr> <td> 01/07/2025</td> <td> 2.75%</td> <td> 1.43%</td> </tr> <tr> <td> 10/01/2024</td> <td> 2.75%</td> <td> 1.42%</td> </tr> <tr> <td> 09/03/2024</td> <td> 2.75%</td> <td> 1.43%</td> </tr> <tr> <td> 08/06/2024</td> <td> 2.75%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 2.75%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 2.75%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 2.75%</td> <td> 1.42%</td> </tr> <tr> <td> 03/12/2024</td> <td> 2.75%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 2.75%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-vio-bank" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </noscript> </li> <li x-id="['panel-current-vio-bank-cd-rates', 'heading-current-vio-bank-cd-rates']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-current-vio-bank-cd-rates')" :aria-controls="$id('panel-current-vio-bank-cd-rates')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Vio Bank" data-position="5" data-text="Current Vio Bank CD Rates" data-outcome="Current Vio Bank CD Rates" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Current Vio Bank CD Rates </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-current-vio-bank-cd-rates')" :labelledBy="$id('heading-current-vio-bank-cd-rates')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 4.30% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 4.15% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.00% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 3.95% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 3.75% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 3.50% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 2.75% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 2.75% APY </td> <td> $500</td> </tr> </tbody> </table> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-current-vio-bank-cd-rates')" :labelledBy="$id('heading-current-vio-bank-cd-rates')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 4.30% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 4.15% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.00% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 3.95% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 3.75% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 3.50% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 2.75% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 2.75% APY </td> <td> $500</td> </tr> </tbody> </table> </div> </div> </div> </noscript> </li> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/7819_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Popular Direct_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/popular-direct/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Popular Direct</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.0</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="t8b7be7b8-5a02-40a8-8e25-6eca7780f6bf" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate CD rating = 4/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t8b7be7b8-5a02-40a8-8e25-6eca7780f6bf" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>4.00% – 4.30%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200"> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$10,000</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4"> <h4 class="trsy-text-base mb-2"> Term</h4> <div>3 months - 5 years</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Popular Direct?</h4> <p class="trsy-mb-0">Popular Direct is an online bank and a subsidiary of Popular Inc., a more than 130-year-old financial services company. Popular Direct was previously known as Banco Popular North America. Popular Direct offers CDs in eight terms ranging from three months to five years. With a $10,000 minimum deposit to open, these CDs are geared toward serious savers. Interest compounds daily. Popular Direct doesn’t offer specialty CDs, such as bump-up or no-penalty CDs. It does offer a savings account with a competitive rate.</p> </div> <ul class="Accordion w-full trsy-mb-0"> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Popular Direct" data-position="6" data-text="Pros and cons" data-outcome="Pros and cons" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <div>Popular Direct consistently offers competitive rates across their CDs and savings accounts.</div></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <div>Popular Direct has a $10,000 minimum deposit to open. They also don't offer specialty CDs like bump-up or no-penalty CDs.</div></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <div>Popular Direct consistently offers competitive rates across their CDs and savings accounts.</div></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <div>Popular Direct has a $10,000 minimum deposit to open. They also don't offer specialty CDs like bump-up or no-penalty CDs.</div></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-rate-history-for-popular-directs-cd-accounts', 'heading-rate-history-for-popular-directs-cd-accounts']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-rate-history-for-popular-directs-cd-accounts')" :aria-controls="$id('panel-rate-history-for-popular-directs-cd-accounts')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Popular Direct" data-position="6" data-text="Rate history for Popular Direct's CD accounts" data-outcome="Rate history for Popular Direct's CD accounts" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Rate history for Popular Direct's CD accounts </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-rate-history-for-popular-directs-cd-accounts')" :labelledBy="$id('heading-rate-history-for-popular-directs-cd-accounts')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-popular-direct"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-popular-direct"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Popular Direct</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t3e178f60-2eb3-430d-8441-ed6a5a3a33b3" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t3e178f60-2eb3-430d-8441-ed6a5a3a33b3" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="tf405c287-16de-4899-b7de-38060ce83f8d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="tf405c287-16de-4899-b7de-38060ce83f8d" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-popular-direct"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-popular-direct"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-popular-direct">Term length</label> <select class="FormSelect lowercase" id="term-length-popular-direct"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-popular-direct" id="table-view-popular-direct"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="tdca0bfbe-925f-4ee8-af36-35aca21d3bb5" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tdca0bfbe-925f-4ee8-af36-35aca21d3bb5" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-popular-direct', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-popular-direct" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-popular-direct" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Popular Direct CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-popular-direct"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t665a3a93-fddb-43a6-aa0a-07ece143a778" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t665a3a93-fddb-43a6-aa0a-07ece143a778" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Popular Direct<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t3cee9421-bb04-4602-a2fe-220a4a4632eb" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t3cee9421-bb04-4602-a2fe-220a4a4632eb" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t49733e35-be39-4a6a-b995-bb66dd5d3e5c" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t49733e35-be39-4a6a-b995-bb66dd5d3e5c" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t0415687b-4f9f-458e-ad32-3564228dab6a" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t0415687b-4f9f-458e-ad32-3564228dab6a" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-popular-direct"> <tr> <td> 02/18/2025</td> <td> 4.15%</td> <td> 1.54%</td> </tr> <tr> <td> 02/04/2025</td> <td> 4.20%</td> <td> 1.54%</td> </tr> <tr> <td> 01/07/2025</td> <td> 4.10%</td> <td> 1.43%</td> </tr> <tr> <td> 12/03/2024</td> <td> 4.25%</td> <td> 1.42%</td> </tr> <tr> <td> 11/05/2024</td> <td> 3.35%</td> <td> 1.42%</td> </tr> <tr> <td> 10/22/2024</td> <td> 3.45%</td> <td> 1.42%</td> </tr> <tr> <td> 10/01/2024</td> <td> 3.55%</td> <td> 1.42%</td> </tr> <tr> <td> 09/24/2024</td> <td> 3.65%</td> <td> 1.43%</td> </tr> <tr> <td> 09/17/2024</td> <td> 3.85%</td> <td> 1.43%</td> </tr> <tr> <td> 09/03/2024</td> <td> 3.95%</td> <td> 1.43%</td> </tr> <tr> <td> 08/20/2024</td> <td> 3.95%</td> <td> 1.44%</td> </tr> <tr> <td> 08/13/2024</td> <td> 4.00%</td> <td> 1.44%</td> </tr> <tr> <td> 08/06/2024</td> <td> 4.30%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 4.30%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 4.30%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 4.30%</td> <td> 1.42%</td> </tr> <tr> <td> 03/26/2024</td> <td> 4.30%</td> <td> 1.43%</td> </tr> <tr> <td> 03/19/2024</td> <td> 4.35%</td> <td> 1.43%</td> </tr> <tr> <td> 03/12/2024</td> <td> 4.45%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 4.45%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-popular-direct" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-rate-history-for-popular-directs-cd-accounts')" :labelledBy="$id('heading-rate-history-for-popular-directs-cd-accounts')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-popular-direct"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-popular-direct"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Popular Direct</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t3e178f60-2eb3-430d-8441-ed6a5a3a33b3" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t3e178f60-2eb3-430d-8441-ed6a5a3a33b3" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="tf405c287-16de-4899-b7de-38060ce83f8d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="tf405c287-16de-4899-b7de-38060ce83f8d" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-popular-direct"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-popular-direct"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-popular-direct">Term length</label> <select class="FormSelect lowercase" id="term-length-popular-direct"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-popular-direct" id="table-view-popular-direct"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="tdca0bfbe-925f-4ee8-af36-35aca21d3bb5" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tdca0bfbe-925f-4ee8-af36-35aca21d3bb5" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-popular-direct', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-popular-direct" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-popular-direct" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Popular Direct CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-popular-direct"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t665a3a93-fddb-43a6-aa0a-07ece143a778" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t665a3a93-fddb-43a6-aa0a-07ece143a778" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Popular Direct<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t3cee9421-bb04-4602-a2fe-220a4a4632eb" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t3cee9421-bb04-4602-a2fe-220a4a4632eb" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t49733e35-be39-4a6a-b995-bb66dd5d3e5c" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t49733e35-be39-4a6a-b995-bb66dd5d3e5c" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t0415687b-4f9f-458e-ad32-3564228dab6a" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t0415687b-4f9f-458e-ad32-3564228dab6a" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-popular-direct"> <tr> <td> 02/18/2025</td> <td> 4.15%</td> <td> 1.54%</td> </tr> <tr> <td> 02/04/2025</td> <td> 4.20%</td> <td> 1.54%</td> </tr> <tr> <td> 01/07/2025</td> <td> 4.10%</td> <td> 1.43%</td> </tr> <tr> <td> 12/03/2024</td> <td> 4.25%</td> <td> 1.42%</td> </tr> <tr> <td> 11/05/2024</td> <td> 3.35%</td> <td> 1.42%</td> </tr> <tr> <td> 10/22/2024</td> <td> 3.45%</td> <td> 1.42%</td> </tr> <tr> <td> 10/01/2024</td> <td> 3.55%</td> <td> 1.42%</td> </tr> <tr> <td> 09/24/2024</td> <td> 3.65%</td> <td> 1.43%</td> </tr> <tr> <td> 09/17/2024</td> <td> 3.85%</td> <td> 1.43%</td> </tr> <tr> <td> 09/03/2024</td> <td> 3.95%</td> <td> 1.43%</td> </tr> <tr> <td> 08/20/2024</td> <td> 3.95%</td> <td> 1.44%</td> </tr> <tr> <td> 08/13/2024</td> <td> 4.00%</td> <td> 1.44%</td> </tr> <tr> <td> 08/06/2024</td> <td> 4.30%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 4.30%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 4.30%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 4.30%</td> <td> 1.42%</td> </tr> <tr> <td> 03/26/2024</td> <td> 4.30%</td> <td> 1.43%</td> </tr> <tr> <td> 03/19/2024</td> <td> 4.35%</td> <td> 1.43%</td> </tr> <tr> <td> 03/12/2024</td> <td> 4.45%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 4.45%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-popular-direct" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </noscript> </li> <li x-id="['panel-current-popular-direct-cd-rates', 'heading-current-popular-direct-cd-rates']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-current-popular-direct-cd-rates')" :aria-controls="$id('panel-current-popular-direct-cd-rates')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Popular Direct" data-position="6" data-text="Current Popular Direct CD Rates" data-outcome="Current Popular Direct CD Rates" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Current Popular Direct CD Rates </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-current-popular-direct-cd-rates')" :labelledBy="$id('heading-current-popular-direct-cd-rates')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 months </td> <td> 4.25% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 4.30% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.25% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 4.10% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 4.15% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 4.10% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 4.00% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 4.15% APY </td> <td> $10,000</td> </tr> </tbody> </table> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-current-popular-direct-cd-rates')" :labelledBy="$id('heading-current-popular-direct-cd-rates')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 months </td> <td> 4.25% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 4.30% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.25% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 4.10% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 4.15% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 4.10% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 4.00% APY </td> <td> $10,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 4.15% APY </td> <td> $10,000</td> </tr> </tbody> </table> </div> </div> </div> </noscript> </li> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/10206_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Discover Bank_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/discover-bank/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Discover Bank</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.5</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="t46b79ec5-5246-484f-bf7b-6ac463529d8b" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate CD rating = 4.5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t46b79ec5-5246-484f-bf7b-6ac463529d8b" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>2.00% – 4.10%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200"> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$0</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4"> <h4 class="trsy-text-base mb-2"> Term</h4> <div>3 months - 5 years</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Discover Bank?</h4> <p class="trsy-mb-0">Discover® Bank offers 12 terms of CDs. They range from a three-month CD to a 10-year CD. You’ll need at least $2,500 to open one of these CDs.</p> </div> <ul class="Accordion w-full trsy-mb-0"> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Discover Bank" data-position="7" data-text="Pros and cons" data-outcome="Pros and cons" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>Few banks have the number of CD terms and the long-term CDs that Discover® Bank offers.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>Some banks have lower minimum deposit requirements and higher yields than Discover® Bank.</li></ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>Few banks have the number of CD terms and the long-term CDs that Discover® Bank offers.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>Some banks have lower minimum deposit requirements and higher yields than Discover® Bank.</li></ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-rate-history-for-discover-banks-cd-accounts', 'heading-rate-history-for-discover-banks-cd-accounts']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-rate-history-for-discover-banks-cd-accounts')" :aria-controls="$id('panel-rate-history-for-discover-banks-cd-accounts')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Discover Bank" data-position="7" data-text="Rate history for Discover Bank's CD accounts" data-outcome="Rate history for Discover Bank's CD accounts" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Rate history for Discover Bank's CD accounts </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-rate-history-for-discover-banks-cd-accounts')" :labelledBy="$id('heading-rate-history-for-discover-banks-cd-accounts')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-discover-bank"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-discover-bank"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Discover Bank</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t572b86c7-3d46-47f1-8b2b-31347e4010a9" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t572b86c7-3d46-47f1-8b2b-31347e4010a9" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="t03014f46-f451-4555-b2d1-adad3a38155e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="t03014f46-f451-4555-b2d1-adad3a38155e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-discover-bank"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-discover-bank"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-discover-bank">Term length</label> <select class="FormSelect lowercase" id="term-length-discover-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="30">30 months</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-discover-bank" id="table-view-discover-bank"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="t4bd9cdd4-dcf6-4039-9058-e2ea54bf400d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t4bd9cdd4-dcf6-4039-9058-e2ea54bf400d" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-discover-bank', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-discover-bank" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-discover-bank" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Discover Bank CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-discover-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="30">30 months</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="tdbed86ce-5c9b-4c36-80a5-b03631ae8c7f" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tdbed86ce-5c9b-4c36-80a5-b03631ae8c7f" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Discover Bank<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t41bbc8c1-c34e-4a93-81c5-7dc696c7d562" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t41bbc8c1-c34e-4a93-81c5-7dc696c7d562" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t04248e4e-8761-4156-adc4-f3babc985e9f" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t04248e4e-8761-4156-adc4-f3babc985e9f" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t617bbb31-4207-419e-b4ca-31661fe0a82e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t617bbb31-4207-419e-b4ca-31661fe0a82e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-discover-bank"> <tr> <td> 02/04/2025</td> <td> 3.50%</td> <td> 1.54%</td> </tr> <tr> <td> 01/07/2025</td> <td> 3.40%</td> <td> 1.43%</td> </tr> <tr> <td> 10/01/2024</td> <td> 3.40%</td> <td> 1.42%</td> </tr> <tr> <td> 09/03/2024</td> <td> 3.60%</td> <td> 1.43%</td> </tr> <tr> <td> 08/20/2024</td> <td> 3.60%</td> <td> 1.44%</td> </tr> <tr> <td> 08/06/2024</td> <td> 3.75%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 3.75%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 3.75%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 3.75%</td> <td> 1.42%</td> </tr> <tr> <td> 03/12/2024</td> <td> 3.75%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 3.75%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-discover-bank" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-rate-history-for-discover-banks-cd-accounts')" :labelledBy="$id('heading-rate-history-for-discover-banks-cd-accounts')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-discover-bank"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-discover-bank"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Discover Bank</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t572b86c7-3d46-47f1-8b2b-31347e4010a9" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t572b86c7-3d46-47f1-8b2b-31347e4010a9" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="t03014f46-f451-4555-b2d1-adad3a38155e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="t03014f46-f451-4555-b2d1-adad3a38155e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-discover-bank"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-discover-bank"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-discover-bank">Term length</label> <select class="FormSelect lowercase" id="term-length-discover-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="30">30 months</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-discover-bank" id="table-view-discover-bank"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="t4bd9cdd4-dcf6-4039-9058-e2ea54bf400d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t4bd9cdd4-dcf6-4039-9058-e2ea54bf400d" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-discover-bank', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-discover-bank" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-discover-bank" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Discover Bank CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-discover-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="30">30 months</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="tdbed86ce-5c9b-4c36-80a5-b03631ae8c7f" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tdbed86ce-5c9b-4c36-80a5-b03631ae8c7f" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Discover Bank<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t41bbc8c1-c34e-4a93-81c5-7dc696c7d562" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t41bbc8c1-c34e-4a93-81c5-7dc696c7d562" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t04248e4e-8761-4156-adc4-f3babc985e9f" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t04248e4e-8761-4156-adc4-f3babc985e9f" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t617bbb31-4207-419e-b4ca-31661fe0a82e" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t617bbb31-4207-419e-b4ca-31661fe0a82e" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-discover-bank"> <tr> <td> 02/04/2025</td> <td> 3.50%</td> <td> 1.54%</td> </tr> <tr> <td> 01/07/2025</td> <td> 3.40%</td> <td> 1.43%</td> </tr> <tr> <td> 10/01/2024</td> <td> 3.40%</td> <td> 1.42%</td> </tr> <tr> <td> 09/03/2024</td> <td> 3.60%</td> <td> 1.43%</td> </tr> <tr> <td> 08/20/2024</td> <td> 3.60%</td> <td> 1.44%</td> </tr> <tr> <td> 08/06/2024</td> <td> 3.75%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 3.75%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 3.75%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 3.75%</td> <td> 1.42%</td> </tr> <tr> <td> 03/12/2024</td> <td> 3.75%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 3.75%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-discover-bank" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </noscript> </li> <li x-id="['panel-current-discover-bank-cd-rates', 'heading-current-discover-bank-cd-rates']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-current-discover-bank-cd-rates')" :aria-controls="$id('panel-current-discover-bank-cd-rates')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Discover Bank" data-position="7" data-text="Current Discover Bank CD Rates" data-outcome="Current Discover Bank CD Rates" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Current Discover Bank CD Rates </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-current-discover-bank-cd-rates')" :labelledBy="$id('heading-current-discover-bank-cd-rates')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 months </td> <td> 2.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 3.70% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 3.80% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 4.10% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 30 months </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> </tbody> </table> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-current-discover-bank-cd-rates')" :labelledBy="$id('heading-current-discover-bank-cd-rates')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 months </td> <td> 2.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 3.70% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 3.80% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 4.10% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 30 months </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> </tbody> </table> </div> </div> </div> </noscript> </li> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/5068_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Ally Bank_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/ally-bank/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Ally Bank</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.6 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 57%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.6</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="t5c68b774-8417-4646-a17e-fa6e7f3d4064" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate CD rating = 4.6/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t5c68b774-8417-4646-a17e-fa6e7f3d4064" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>2.90% – 4.00%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200"> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$0</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4"> <h4 class="trsy-text-base mb-2"> Term</h4> <div>3 months - 5 years</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Ally Bank?</h4> <p class="trsy-mb-0">Ally Bank offers seven terms of regular CDs. They range from a three-month CD to a five-year CD.</p> </div> <ul class="Accordion w-full trsy-mb-0"> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Ally Bank" data-position="8" data-text="Pros and cons" data-outcome="Pros and cons" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>Ally Bank offers competitive yields on its CDs, and it doesn’t require a minimum opening deposit. It also offers nearly every type of CD you’d ever need. This includes regular CDs, a no-penalty CD and a rate bump CD. </li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>Some banks have higher yields than Ally Bank. </li></ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>Ally Bank offers competitive yields on its CDs, and it doesn’t require a minimum opening deposit. It also offers nearly every type of CD you’d ever need. This includes regular CDs, a no-penalty CD and a rate bump CD. </li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>Some banks have higher yields than Ally Bank. </li></ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-rate-history-for-ally-banks-cd-accounts', 'heading-rate-history-for-ally-banks-cd-accounts']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-rate-history-for-ally-banks-cd-accounts')" :aria-controls="$id('panel-rate-history-for-ally-banks-cd-accounts')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Ally Bank" data-position="8" data-text="Rate history for Ally Bank's CD accounts" data-outcome="Rate history for Ally Bank's CD accounts" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Rate history for Ally Bank's CD accounts </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-rate-history-for-ally-banks-cd-accounts')" :labelledBy="$id('heading-rate-history-for-ally-banks-cd-accounts')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-ally-bank"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-ally-bank"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Ally Bank</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t6bd12335-5dab-4ebe-a2e0-39209508df85" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t6bd12335-5dab-4ebe-a2e0-39209508df85" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="t0108a8b0-d2a6-48da-8ee9-106dd3ae3f07" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="t0108a8b0-d2a6-48da-8ee9-106dd3ae3f07" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-ally-bank"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-ally-bank"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-ally-bank">Term length</label> <select class="FormSelect lowercase" id="term-length-ally-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-ally-bank" id="table-view-ally-bank"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="t6dfe5108-7a10-4f81-8b89-7577d1683f21" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t6dfe5108-7a10-4f81-8b89-7577d1683f21" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-ally-bank', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-ally-bank" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-ally-bank" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Ally Bank CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-ally-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t23ae491c-16c1-4e48-868b-06d5103511b0" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t23ae491c-16c1-4e48-868b-06d5103511b0" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Ally Bank<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t45fc2106-ca72-4e80-8917-b5e112ba0b4d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t45fc2106-ca72-4e80-8917-b5e112ba0b4d" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="te6c152f5-56a2-48a6-bf07-2b41a7edfcca" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="te6c152f5-56a2-48a6-bf07-2b41a7edfcca" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t8fde7c74-9d41-4563-b87b-4a9263267686" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t8fde7c74-9d41-4563-b87b-4a9263267686" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-ally-bank"> <tr> <td> 02/18/2025</td> <td> 3.50%</td> <td> 1.54%</td> </tr> <tr> <td> 02/04/2025</td> <td> 3.40%</td> <td> 1.54%</td> </tr> <tr> <td> 01/07/2025</td> <td> 3.40%</td> <td> 1.43%</td> </tr> <tr> <td> 11/26/2024</td> <td> 3.40%</td> <td> 1.42%</td> </tr> <tr> <td> 10/29/2024</td> <td> 3.50%</td> <td> 1.42%</td> </tr> <tr> <td> 10/01/2024</td> <td> 3.60%</td> <td> 1.42%</td> </tr> <tr> <td> 09/03/2024</td> <td> 3.75%</td> <td> 1.43%</td> </tr> <tr> <td> 08/27/2024</td> <td> 3.75%</td> <td> 1.44%</td> </tr> <tr> <td> 08/06/2024</td> <td> 3.90%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 3.90%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> <tr> <td> 03/12/2024</td> <td> 3.90%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-ally-bank" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-rate-history-for-ally-banks-cd-accounts')" :labelledBy="$id('heading-rate-history-for-ally-banks-cd-accounts')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-ally-bank"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-ally-bank"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Ally Bank</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t6bd12335-5dab-4ebe-a2e0-39209508df85" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t6bd12335-5dab-4ebe-a2e0-39209508df85" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="t0108a8b0-d2a6-48da-8ee9-106dd3ae3f07" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="t0108a8b0-d2a6-48da-8ee9-106dd3ae3f07" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-ally-bank"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-ally-bank"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-ally-bank">Term length</label> <select class="FormSelect lowercase" id="term-length-ally-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-ally-bank" id="table-view-ally-bank"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="t6dfe5108-7a10-4f81-8b89-7577d1683f21" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t6dfe5108-7a10-4f81-8b89-7577d1683f21" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-ally-bank', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-ally-bank" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-ally-bank" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Ally Bank CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-ally-bank"> <option value="3">3 months</option> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t23ae491c-16c1-4e48-868b-06d5103511b0" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t23ae491c-16c1-4e48-868b-06d5103511b0" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Ally Bank<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t45fc2106-ca72-4e80-8917-b5e112ba0b4d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t45fc2106-ca72-4e80-8917-b5e112ba0b4d" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="te6c152f5-56a2-48a6-bf07-2b41a7edfcca" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="te6c152f5-56a2-48a6-bf07-2b41a7edfcca" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t8fde7c74-9d41-4563-b87b-4a9263267686" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t8fde7c74-9d41-4563-b87b-4a9263267686" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-ally-bank"> <tr> <td> 02/18/2025</td> <td> 3.50%</td> <td> 1.54%</td> </tr> <tr> <td> 02/04/2025</td> <td> 3.40%</td> <td> 1.54%</td> </tr> <tr> <td> 01/07/2025</td> <td> 3.40%</td> <td> 1.43%</td> </tr> <tr> <td> 11/26/2024</td> <td> 3.40%</td> <td> 1.42%</td> </tr> <tr> <td> 10/29/2024</td> <td> 3.50%</td> <td> 1.42%</td> </tr> <tr> <td> 10/01/2024</td> <td> 3.60%</td> <td> 1.42%</td> </tr> <tr> <td> 09/03/2024</td> <td> 3.75%</td> <td> 1.43%</td> </tr> <tr> <td> 08/27/2024</td> <td> 3.75%</td> <td> 1.44%</td> </tr> <tr> <td> 08/06/2024</td> <td> 3.90%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 3.90%</td> <td> 1.43%</td> </tr> <tr> <td> 04/02/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> <tr> <td> 03/12/2024</td> <td> 3.90%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-ally-bank" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </noscript> </li> <li x-id="['panel-current-ally-bank-cd-rates', 'heading-current-ally-bank-cd-rates']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-current-ally-bank-cd-rates')" :aria-controls="$id('panel-current-ally-bank-cd-rates')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Ally Bank" data-position="8" data-text="Current Ally Bank CD Rates" data-outcome="Current Ally Bank CD Rates" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Current Ally Bank CD Rates </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-current-ally-bank-cd-rates')" :labelledBy="$id('heading-current-ally-bank-cd-rates')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 months </td> <td> 2.90% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 3.90% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 3.80% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> </tbody> </table> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-current-ally-bank-cd-rates')" :labelledBy="$id('heading-current-ally-bank-cd-rates')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 months </td> <td> 2.90% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 3.90% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 3.80% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> </tbody> </table> </div> </div> </div> </noscript> </li> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/8351_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Capital One_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/capital-one/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Capital One</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.5</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="t958c9e0e-a390-4ff3-a3c3-02bccc4fe349" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate CD rating = 4.5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t958c9e0e-a390-4ff3-a3c3-02bccc4fe349" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.50% – 4.00%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200"> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$0</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4"> <h4 class="trsy-text-base mb-2"> Term</h4> <div>6 months - 5 years</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Capital One?</h4> <p class="trsy-mb-0">Capital One offers CDs with terms as short as six months or as long as five years. These CDs have no minimum opening deposit and the bank offers competitive yields.</p> </div> <ul class="Accordion w-full trsy-mb-0"> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Capital One" data-position="9" data-text="Pros and cons" data-outcome="Pros and cons" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>With no minimum opening deposit, Capital One’s CDs are a good choice for pretty much anyone looking for a fixed yield. Capital One also offers a variety of terms suitable for a CD ladder or other long-term saving strategy.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>Capital One doesn’t offer a no-penalty CD or a rate bump CD.</li></ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>With no minimum opening deposit, Capital One’s CDs are a good choice for pretty much anyone looking for a fixed yield. Capital One also offers a variety of terms suitable for a CD ladder or other long-term saving strategy.</li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li>Capital One doesn’t offer a no-penalty CD or a rate bump CD.</li></ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-rate-history-for-capital-ones-cd-accounts', 'heading-rate-history-for-capital-ones-cd-accounts']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-rate-history-for-capital-ones-cd-accounts')" :aria-controls="$id('panel-rate-history-for-capital-ones-cd-accounts')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Capital One" data-position="9" data-text="Rate history for Capital One's CD accounts" data-outcome="Rate history for Capital One's CD accounts" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Rate history for Capital One's CD accounts </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-rate-history-for-capital-ones-cd-accounts')" :labelledBy="$id('heading-rate-history-for-capital-ones-cd-accounts')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-capital-one"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-capital-one"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Capital One</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t8ffa8362-e0d8-4fb4-a4a1-61abf384752f" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t8ffa8362-e0d8-4fb4-a4a1-61abf384752f" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="tba99c9af-98c6-42ba-8429-857aaad22588" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="tba99c9af-98c6-42ba-8429-857aaad22588" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-capital-one"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-capital-one"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-capital-one">Term length</label> <select class="FormSelect lowercase" id="term-length-capital-one"> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="30">30 months</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-capital-one" id="table-view-capital-one"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="tada2f562-b6d0-483b-9b00-bc482f53b98a" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tada2f562-b6d0-483b-9b00-bc482f53b98a" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-capital-one', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-capital-one" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-capital-one" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Capital One CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-capital-one"> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="30">30 months</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t49fc81cf-4721-419a-90dc-f9fd9b1997f5" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t49fc81cf-4721-419a-90dc-f9fd9b1997f5" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Capital One<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t2b8aab14-edfb-4955-9ea7-d069c339db2c" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t2b8aab14-edfb-4955-9ea7-d069c339db2c" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t29dc8463-e70b-494d-9f6d-a0310e00e2da" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t29dc8463-e70b-494d-9f6d-a0310e00e2da" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="ta15c8e73-018d-48b0-a57b-20d05aa129fe" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="ta15c8e73-018d-48b0-a57b-20d05aa129fe" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-capital-one"> <tr> <td> 02/04/2025</td> <td> 3.50%</td> <td> 1.54%</td> </tr> <tr> <td> 01/07/2025</td> <td> 3.50%</td> <td> 1.43%</td> </tr> <tr> <td> 10/01/2024</td> <td> 3.50%</td> <td> 1.42%</td> </tr> <tr> <td> 09/17/2024</td> <td> 3.50%</td> <td> 1.43%</td> </tr> <tr> <td> 09/10/2024</td> <td> 3.60%</td> <td> 1.43%</td> </tr> <tr> <td> 09/03/2024</td> <td> 3.75%</td> <td> 1.43%</td> </tr> <tr> <td> 08/07/2024</td> <td> 3.75%</td> <td> 1.44%</td> </tr> <tr> <td> 08/06/2024</td> <td> 3.90%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 3.90%</td> <td> 1.43%</td> </tr> <tr> <td> 04/16/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> <tr> <td> 04/02/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 03/12/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-capital-one" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-rate-history-for-capital-ones-cd-accounts')" :labelledBy="$id('heading-rate-history-for-capital-ones-cd-accounts')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-capital-one"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-capital-one"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">Capital One</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t8ffa8362-e0d8-4fb4-a4a1-61abf384752f" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t8ffa8362-e0d8-4fb4-a4a1-61abf384752f" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="tba99c9af-98c6-42ba-8429-857aaad22588" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="tba99c9af-98c6-42ba-8429-857aaad22588" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-capital-one"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-capital-one"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-capital-one">Term length</label> <select class="FormSelect lowercase" id="term-length-capital-one"> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="30">30 months</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-capital-one" id="table-view-capital-one"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="tada2f562-b6d0-483b-9b00-bc482f53b98a" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tada2f562-b6d0-483b-9b00-bc482f53b98a" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-capital-one', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-capital-one" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-capital-one" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>Capital One CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-capital-one"> <option value="6">6 months</option> <option value="9">9 months</option> <option value="12">1 year</option> <option value="18">18 months</option> <option value="24">2 years</option> <option value="30">30 months</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t49fc81cf-4721-419a-90dc-f9fd9b1997f5" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t49fc81cf-4721-419a-90dc-f9fd9b1997f5" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> Capital One<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t2b8aab14-edfb-4955-9ea7-d069c339db2c" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t2b8aab14-edfb-4955-9ea7-d069c339db2c" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t29dc8463-e70b-494d-9f6d-a0310e00e2da" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t29dc8463-e70b-494d-9f6d-a0310e00e2da" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="ta15c8e73-018d-48b0-a57b-20d05aa129fe" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="ta15c8e73-018d-48b0-a57b-20d05aa129fe" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-capital-one"> <tr> <td> 02/04/2025</td> <td> 3.50%</td> <td> 1.54%</td> </tr> <tr> <td> 01/07/2025</td> <td> 3.50%</td> <td> 1.43%</td> </tr> <tr> <td> 10/01/2024</td> <td> 3.50%</td> <td> 1.42%</td> </tr> <tr> <td> 09/17/2024</td> <td> 3.50%</td> <td> 1.43%</td> </tr> <tr> <td> 09/10/2024</td> <td> 3.60%</td> <td> 1.43%</td> </tr> <tr> <td> 09/03/2024</td> <td> 3.75%</td> <td> 1.43%</td> </tr> <tr> <td> 08/07/2024</td> <td> 3.75%</td> <td> 1.44%</td> </tr> <tr> <td> 08/06/2024</td> <td> 3.90%</td> <td> 1.44%</td> </tr> <tr> <td> 07/02/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> <tr> <td> 06/04/2024</td> <td> 3.90%</td> <td> 1.43%</td> </tr> <tr> <td> 04/16/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> <tr> <td> 04/02/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 03/12/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 02/27/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-capital-one" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </noscript> </li> <li x-id="['panel-current-capital-one-cd-rates', 'heading-current-capital-one-cd-rates']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-current-capital-one-cd-rates')" :aria-controls="$id('panel-current-capital-one-cd-rates')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="Capital One" data-position="9" data-text="Current Capital One CD Rates" data-outcome="Current Capital One CD Rates" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Current Capital One CD Rates </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-current-capital-one-cd-rates')" :labelledBy="$id('heading-current-capital-one-cd-rates')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 3.80% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 3.80% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 3.70% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 30 months </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> </tbody> </table> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-current-capital-one-cd-rates')" :labelledBy="$id('heading-current-capital-one-cd-rates')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 3.80% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 9 months </td> <td> 3.80% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 4.00% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 18 months </td> <td> 3.70% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 30 months </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> </tbody> </table> </div> </div> </div> </noscript> </li> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://a.storyblok.com/f/102997/516x98/47d11975ef/bmo-alto.png?auto=webp&fit=&width=200&format=pjpg" alt="BMO Alto_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/bmo-alto/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">BMO Alto</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.2 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 29%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.2</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="t3071c05d-0f26-46cf-913f-91fb099d3e16" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate CD rating = 4.2/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t3071c05d-0f26-46cf-913f-91fb099d3e16" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.50% – 3.90%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200"> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$0</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4"> <h4 class="trsy-text-base mb-2"> Term</h4> <div>6 months - 5 years</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why BMO Alto?</h4> <p class="trsy-mb-0">BMO Alto is an online-only bank that offers CDs and a high-yield savings account. CDs are available in six terms between six months and five years, and they require no set minimum opening deposit. CDs automatically renew once they mature, following a 10 day grace period.</p> </div> <ul class="Accordion w-full trsy-mb-0"> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="BMO Alto" data-position="10" data-text="Pros and cons" data-outcome="Pros and cons" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>BMO Alto CDs earn competitive APYs.</li><li>No set minimum opening deposit is required. </li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li> No specialty CDs are offered, such as bump-up CDs or no-penalty CDs. </li></ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-pros-and-cons')" :labelledBy="$id('heading-pros-and-cons')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="trsy-mt-4 trsy-flex trsy-flex-col md:trsy-flex-row"> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <span class="type-heading-four text-base">Pros</span> </div> <div class="trsy-ml-2"> <ul><li>BMO Alto CDs earn competitive APYs.</li><li>No set minimum opening deposit is required. </li></ul></div> </div> <div class="wysiwyg md:trsy-w-1/2"> <div class="trsy-flex trsy-flex-row trsy-items-center gap-2 trsy-mb-2"> <span style="max-width: 24px; width: 100%;"> <svg class="fill-green" width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <span class="type-heading-four text-base">Cons</span> </div> <div class="trsy-ml-2"> <ul><li> No specialty CDs are offered, such as bump-up CDs or no-penalty CDs. </li></ul></div> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-rate-history-for-bmo-altos-cd-accounts', 'heading-rate-history-for-bmo-altos-cd-accounts']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-rate-history-for-bmo-altos-cd-accounts')" :aria-controls="$id('panel-rate-history-for-bmo-altos-cd-accounts')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="BMO Alto" data-position="10" data-text="Rate history for BMO Alto's CD accounts" data-outcome="Rate history for BMO Alto's CD accounts" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Rate history for BMO Alto's CD accounts </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-rate-history-for-bmo-altos-cd-accounts')" :labelledBy="$id('heading-rate-history-for-bmo-altos-cd-accounts')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-bmo-alto"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-bmo-alto"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">BMO Alto</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t0be18ec6-77f0-4c04-b6d6-5a8ff22abec8" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t0be18ec6-77f0-4c04-b6d6-5a8ff22abec8" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="t11f164d4-6719-4d76-a403-bc60df3dde4b" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="t11f164d4-6719-4d76-a403-bc60df3dde4b" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-bmo-alto"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-bmo-alto"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-bmo-alto">Term length</label> <select class="FormSelect lowercase" id="term-length-bmo-alto"> <option value="6">6 months</option> <option value="12">1 year</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-bmo-alto" id="table-view-bmo-alto"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="tc53c5c3d-4177-4233-8a8d-93a770daa79a" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tc53c5c3d-4177-4233-8a8d-93a770daa79a" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-bmo-alto', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-bmo-alto" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-bmo-alto" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>BMO Alto CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-bmo-alto"> <option value="6">6 months</option> <option value="12">1 year</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t24756fa2-eba0-434e-97df-ab32728b87c0" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t24756fa2-eba0-434e-97df-ab32728b87c0" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> BMO Alto<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t3a46977d-d608-460b-bc97-b16348f268dc" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t3a46977d-d608-460b-bc97-b16348f268dc" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t19fa0b8c-b3d7-4c67-90cf-12dea01e3c12" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t19fa0b8c-b3d7-4c67-90cf-12dea01e3c12" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t4ac89e95-48f7-4c2e-aae7-2c8137f5ca42" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t4ac89e95-48f7-4c2e-aae7-2c8137f5ca42" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-bmo-alto"> <tr> <td> 02/06/2025</td> <td> 3.80%</td> <td> 1.54%</td> </tr> <tr> <td> 01/16/2025</td> <td> 3.90%</td> <td> 1.43%</td> </tr> <tr> <td> 12/05/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> <tr> <td> 11/12/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 09/18/2024</td> <td> 4.10%</td> <td> 1.43%</td> </tr> <tr> <td> 09/17/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 08/30/2024</td> <td> 4.10%</td> <td> 1.44%</td> </tr> <tr> <td> 08/05/2024</td> <td> 4.45%</td> <td> 1.44%</td> </tr> <tr> <td> 07/26/2024</td> <td> 4.75%</td> <td> 1.42%</td> </tr> <tr> <td> 05/31/2024</td> <td> 4.80%</td> <td> 1.42%</td> </tr> <tr> <td> 03/13/2024</td> <td> 4.60%</td> <td> 1.43%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-bmo-alto" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-rate-history-for-bmo-altos-cd-accounts')" :labelledBy="$id('heading-rate-history-for-bmo-altos-cd-accounts')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p class="md:mb-6">See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.</p> <div class="WealthHistoricalRateTrends" id="hrtAccordion-bmo-alto"> <div class="WealthHistoricalRateTrends-cdGridContainer"> <div class="WealthHistoricalRateTrends-chartContainer WealthHistoricalRateTrends-cdChartContainer"> <div class="display-flex flex-direction-column gap-1 md:flex-direction-row md:gap-4 pb-3 justify-content-flex-end"> <div class="display-flex align-items-start pb-2 md:pb-0 gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-lg bg-teal-600 my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-bmo-alto"> <div class="display-flex"> <div class="type-body-one font-circular-bold text-black pl-1">BMO Alto</div> <div class="WealthHistoricalRateTrends-apyTooltip--text type-body-one font-circular-bold text-black">APY</div> <div id="t0be18ec6-77f0-4c04-b6d6-5a8ff22abec8" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline type-body-one font-circular-bold text-black"> <div x-data data-tippy-maxWidth="none" data-template="t0be18ec6-77f0-4c04-b6d6-5a8ff22abec8" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> <div id="t11f164d4-6719-4d76-a403-bc60df3dde4b" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile align-self-center"> <div x-data data-tippy-maxWidth="none" data-template="t11f164d4-6719-4d76-a403-bc60df3dde4b" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="display-flex align-items-start gap-1"> <div class="WealthHistoricalRateTrends-legend rounded-md bg-gray my-auto"></div> <div class="display-flex flex-direction-column align-items-flex-start flex-wrap align-self-center" id="legend-national-avg-bmo-alto"> <div class="type-body-one font-circular-bold text-black pl-1">National average APY</div> </div> </div> </div> <div id="historical-rate-container-bmo-alto"> </div> </div> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length-bmo-alto">Term length</label> <select class="FormSelect lowercase" id="term-length-bmo-alto"> <option value="6">6 months</option> <option value="12">1 year</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <div class="WealthHistoricalRateTrends-cdDetailsContainer"> <button type="button" class="WealthHistoricalRateTrends-cdDetailsContainer--text text-blue Link align-self-flex-start p-0 bg-transparent" data-target="see-all-rate-trends-modal-bmo-alto" id="table-view-bmo-alto"> See table view </button> <div class="display-flex align-items-center"> <span class="WealthHistoricalRateTrends-cdDetailsContainer--text">How do we get this data?</span> <div id="tc53c5c3d-4177-4233-8a8d-93a770daa79a" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="tc53c5c3d-4177-4233-8a8d-93a770daa79a" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('see-all-rate-trends-modal-bmo-alto', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="see-all-rate-trends-modal-bmo-alto" class="Modal is-closed h-5/6" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="see-all-rate-trends-modal-bmo-alto" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="see-all-rate-trends-modal-title"> <div class="WealthHistoricalRateTrends-modal py-6 px-4 md:p-6 bg-white box-shadow-four rounded-lg min-h-full"> <h3>BMO Alto CD rates</h3> <div class="WealthHistoricalRateTrends-formContainer FormControl max-w-xs"> <label class="FormLabel font-bold" for="term-length">Term length</label> <select class="FormSelect lowercase" id="term-length-modal-bmo-alto"> <option value="6">6 months</option> <option value="12">1 year</option> <option value="24">2 years</option> <option value="36">3 years</option> <option value="48">4 years</option> <option value="60">5 years</option> </select> <span class="FormSelect-arrow Icon Icon--xs" style="top: 40px; pointer-events: none;"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <table class="Table Table--borderedRows"> <thead> <tr> <th> <div class="display-flex align-items-center"> Date <div id="t24756fa2-eba0-434e-97df-ab32728b87c0" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t24756fa2-eba0-434e-97df-ab32728b87c0" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> <div> BMO Alto<div class="WealthHistoricalRateTrends-apyTooltip--text">APY</div> <div id="t3a46977d-d608-460b-bc97-b16348f268dc" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20.</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip WealthHistoricalRateTrends-apyTooltip--underline"> <div x-data data-tippy-maxWidth="none" data-template="t3a46977d-d608-460b-bc97-b16348f268dc" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > APY</div> </div> </div> <div id="t19fa0b8c-b3d7-4c67-90cf-12dea01e3c12" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> APY last updated between 2/14 and 2/20</div> </div> <div class="display-inline-block cursor-pointer ml-1 WealthHistoricalRateTrends-apyTooltip--mobile"> <div x-data data-tippy-maxWidth="none" data-template="t19fa0b8c-b3d7-4c67-90cf-12dea01e3c12" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> <th> <div class="display-flex align-items-center justify-content-flex-end"> National average APY <div id="t4ac89e95-48f7-4c2e-aae7-2c8137f5ca42" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.</div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t4ac89e95-48f7-4c2e-aae7-2c8137f5ca42" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </th> </tr> </thead> <tbody id="unique-tbody-bmo-alto"> <tr> <td> 02/06/2025</td> <td> 3.80%</td> <td> 1.54%</td> </tr> <tr> <td> 01/16/2025</td> <td> 3.90%</td> <td> 1.43%</td> </tr> <tr> <td> 12/05/2024</td> <td> 3.90%</td> <td> 1.42%</td> </tr> <tr> <td> 11/12/2024</td> <td> 4.00%</td> <td> 1.42%</td> </tr> <tr> <td> 09/18/2024</td> <td> 4.10%</td> <td> 1.43%</td> </tr> <tr> <td> 09/17/2024</td> <td> 4.00%</td> <td> 1.43%</td> </tr> <tr> <td> 08/30/2024</td> <td> 4.10%</td> <td> 1.44%</td> </tr> <tr> <td> 08/05/2024</td> <td> 4.45%</td> <td> 1.44%</td> </tr> <tr> <td> 07/26/2024</td> <td> 4.75%</td> <td> 1.42%</td> </tr> <tr> <td> 05/31/2024</td> <td> 4.80%</td> <td> 1.42%</td> </tr> <tr> <td> 03/13/2024</td> <td> 4.60%</td> <td> 1.43%</td> </tr> </tbody> </table> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="see-all-rate-trends-modal-bmo-alto" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </noscript> </li> <li x-id="['panel-current-bmo-alto-cd-rates', 'heading-current-bmo-alto-cd-rates']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-current-bmo-alto-cd-rates')" :aria-controls="$id('panel-current-bmo-alto-cd-rates')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked data-type="button" data-location="BLC" data-name="BMO Alto" data-position="10" data-text="Current BMO Alto CD Rates" data-outcome="Current BMO Alto CD Rates" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Current BMO Alto CD Rates </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-current-bmo-alto-cd-rates')" :labelledBy="$id('heading-current-bmo-alto-cd-rates')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 3.90% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 3.90% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 3.60% APY </td> <td> $0</td> </tr> </tbody> </table> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-current-bmo-alto-cd-rates')" :labelledBy="$id('heading-current-bmo-alto-cd-rates')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Term</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> 6 months </td> <td> 3.90% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 1 year </td> <td> 3.90% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 2 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 3 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 4 years </td> <td> 3.50% APY </td> <td> $0</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> 5 years </td> <td> 3.60% APY </td> <td> $0</td> </tr> </tbody> </table> </div> </div> </div> </noscript> </li> </ul></article> </div> </div> <div id="methodology component" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> Bankrate's expertise </h2> </div> <div class="MethodologyDetails w-full display-flex flex-direction-column rounded-lg box-shadow-2"> <div class="MethodologyDetails-heading display-flex flex-direction-column gap-y-2 sm:flex-direction-row sm:gap-x-2 justify-content-space-between mx-6 my-4"> <div class="display-flex flex-direction-column sm:flex-direction-row"> <span class="h-7 sm:h-6" aria-hidden="true"> <svg width="24" height="24" class="mr-0 mb-1 sm:mr-4 sm:mb-0 display-inline" width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Bankrate logo</title> <rect width="32" height="32" rx="4" fill="#0157FF" /> <path fill="#ffffff" fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" /> </svg></span> <h3 class="type-body-one text-crop-none p-0 m-0"> Bankrate’s trusted industry knowledge </h3> </div> <div class="SimpleLink"> <a class="Link Link--standalone text-base trsy-text-base" href="https://www.bankrate.com/banking/review-methodology/" target=_blank> Read our full methodology</a> </div></div> <hr class="border-gray-light border-solid border-b-2 m-0 p-0" aria-hidden="true"> <div class="display-flex flex-direction-column gap-y-6 mx-6 mt-4 mb-6"> <p class="m-0 p-0 text-slate"> Our banking editorial team regularly evaluates data from more than a hundred of the top financial institutions across a range of categories (brick-and-mortar banks, online banks, credit unions and more) to help you find the options that work best for you. </p> <div class="MethodologyDetails-categories display-flex p-4 sm:py-4 sm:px-16 justify-content-space-between align-items-flex-start align-content-flex-start gap-x-2 gap-y-8 align-self-stretch flex-wrap sm:flex-nowrap"> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">48</span> <span class="MethodologyCategory-unit type-heading-three text-slate leading-8 font-bold" aria-label="years">years</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">of industry experience</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">3</span> <span class="MethodologyCategory-unit type-heading-three text-slate leading-8 font-bold" aria-label="thousand">k</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">deposits rates tracked</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">120</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">banks reviewed</p> </div> </div> </div> </div> </div> <div id="recent-news" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> Recent news on CD rates </h2> </div> <div class="wysiwyg display-inline has-links"> <p>The Federal Reserve held rates steady during its January meeting. Before that, the Fed cut rates by 25 basis points — or a quarter of a percentage point — during its December meeting. The federal funds rate continues to rest at a range of 4.25-4.50 percent.</p> <p>Even when factoring in recent rate decreases, competitive CD rates are still higher than the national average CD rates. What’s more, high-yielding CD rates continue to outpace the <a class="Link" href="https://www.bankrate.com/banking/federal-reserve/latest-inflation-statistics/">rate of inflation</a>.</p> <p>When looking for a CD, seek a competitive interest rate, a term length that works for you and FDIC or NCUA insurance coverage. Also familiarize yourself with early withdrawal penalties to avoid potentially losing money.</p></div> <div class="infogram-embed" data-id="infogram_0_bec852e1-745a-494b-8b63-4431e34cb8f6" data-type="interactive" data-title="CD rate changes throughout 2024"></div> <div class="vertical-spacer pt-12 trsy-pt-[--pt] w-full" style="content: ''; --pt: 3rem"></div> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/banking/cds/cd-rate-forecast/" target="_blank"data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/banking/cds/cd-rates/" data-name="Learn more link" data-position="middle" data-text="CD rate forecast" data-outcome="send to page" > CD rate forecast</a> </div> <div class="vertical-spacer pt-8 trsy-pt-[--pt] w-full" style="content: ''; --pt: 2rem"></div> <div class="wysiwyg display-block w-full has-links"> <h3>National average interest rates for CDs</h3> <p>Researching <a href="https://www.bankrate.com/banking/cds/current-cd-interest-rates/">average interest rates</a> provides insight into the <a href="https://www.bankrate.com/banking/cds/cd-rate-forecast/">CD rate environment</a> and can help in finding a CD with a yield that's much higher than average. Here are the current average rates as of Feb. 21, according to Bankrate's most recent survey of institutions:</p></div> <div x-data="table({ containerId: '0bef9a20-4a9c-46ac-a856-6010d891ec82', tableId: 'table-0bef9a20-4a9c-46ac-a856-6010d891ec82', buttonId: 'button-0bef9a20-4a9c-46ac-a856-6010d891ec82', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="0bef9a20-4a9c-46ac-a856-6010d891ec82" class="table-container" tabindex="0"> <table id="table-0bef9a20-4a9c-46ac-a856-6010d891ec82" class="Table table-content "> <thead> <tr> <th class="text-left"> CD term</th> <th class="text-right"> CD national average APY</th> </tr> </thead> <tbody> <tr id="f17dbc36-8051-4635-991f-0ff883f9771f" class=""> <td data-col="1" class="text-left"> 1 year</td> <td data-col="2" class="text-right"> 1.86%</td> </tr> <tr id="d6059b39-af1e-4474-834c-d0c5d9cb0037" class=""> <td data-col="1" class="text-left"> 2 year</td> <td data-col="2" class="text-right"> 1.62%</td> </tr> <tr id="b7bb3303-d3fd-48ea-96f3-c32f444f0c11" class=""> <td data-col="1" class="text-left"> 3 year</td> <td data-col="2" class="text-right"> 1.54%</td> </tr> <tr id="5132ab16-c99f-4121-9e63-d294612b364a" class=""> <td data-col="1" class="text-left"> 4 year</td> <td data-col="2" class="text-right"> 1.7%</td> </tr> <tr id="eede1876-5490-43dc-8328-a89f249af96f" class=""> <td data-col="1" class="text-left"> 5 year</td> <td data-col="2" class="text-right"> 1.54%</td> </tr> </tbody> </table> <table id="header-fixed-0bef9a20-4a9c-46ac-a856-6010d891ec82" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> <ul class="Accordion w-full" data-cy="accordion-11a89312-e573-46a1-b5be-be5a267d151e"> <li x-id="['panel-span-classtext-how-bankrate-calculates-the-national-averagespan', 'heading-span-classtext-how-bankrate-calculates-the-national-averagespan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-how-bankrate-calculates-the-national-averagespan')" :aria-controls="$id('panel-span-classtext-how-bankrate-calculates-the-national-averagespan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" how bankrate calculates the national average " data-position="1" data-text=" How Bankrate calculates the national average " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How Bankrate calculates the national average</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-how-bankrate-calculates-the-national-averagespan')" :labelledBy="$id('heading-span-classtext-how-bankrate-calculates-the-national-averagespan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Bankrate calculates and reports the national average APYs for various CD terms. Factored into national average rates are the competitive APYs commonly offered by online banks, along with the very low rates often found at large brick-and-mortar banks.</p> <p>In June 2023, Bankrate updated its methodology that determines the national average CD rates. For the process, more than 500 banks and credit unions are now surveyed each week to generate the national averages. Among these institutions are those that are broadly available and offer high yields, as well as some of the nation’s largest banks.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-how-bankrate-calculates-the-national-averagespan')" :labelledBy="$id('heading-span-classtext-how-bankrate-calculates-the-national-averagespan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Bankrate calculates and reports the national average APYs for various CD terms. Factored into national average rates are the competitive APYs commonly offered by online banks, along with the very low rates often found at large brick-and-mortar banks.</p> <p>In June 2023, Bankrate updated its methodology that determines the national average CD rates. For the process, more than 500 banks and credit unions are now surveyed each week to generate the national averages. Among these institutions are those that are broadly available and offer high yields, as well as some of the nation’s largest banks.</p></div> </div> </div> </noscript> </li> </ul> <div class="AskTheExperts border-gray-mid border rounded-lg bg-gray-light gap-4 p-8" x-data="{ author_id_active: '1b1ae35b-91ed-4f6c-86cb-27533999c0ee' }"> <div class="display-flex align-items-center pb-4"> <svg class="mr-4" width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Bankrate logo</title> <rect width="32" height="32" rx="4" fill="#0157FF" /> <path fill="#ffffff" fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" /> </svg><div class="text-xs font-eyebrow font-bold" style="letter-spacing: 0.1em;">BANKRATE EXPERT FAQ</div> </div> <h3 class="type-heading-three w-full mb-4"> What our industry experts are saying</h3> <div class="AskTheExperts-panel flex-direction-column md:flex-direction-row -m-2" role="list"> <div class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-1" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = '1b1ae35b-91ed-4f6c-86cb-27533999c0ee'" role="button" aria-label="Author name Taylor Kovar"> <img srcset="https://www.bankrate.com/f/102997/938x1412/d5ec43f2c7/taylor-kovar-cfp.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/f/102997/938x1412/d5ec43f2c7/taylor-kovar-cfp.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/938x1412/d5ec43f2c7/taylor-kovar-cfp.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/f/102997/938x1412/d5ec43f2c7/taylor-kovar-cfp.jpeg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Taylor Kovar</p> </button> </div> <div class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-2" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = 'fd8aef85-21cb-4030-84e8-9a6bdee82a22'" role="button" aria-label="Author name Mark Hamrick"> <img srcset="https://www.bankrate.com/f/102997/1096x731/63f9dc32df/mark-hamrick-expert-stylistic.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/f/102997/1096x731/63f9dc32df/mark-hamrick-expert-stylistic.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/1096x731/63f9dc32df/mark-hamrick-expert-stylistic.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/f/102997/1096x731/63f9dc32df/mark-hamrick-expert-stylistic.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Mark Hamrick</p> </button> </div> <div class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-3" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = 'e05d6df3-5428-41cc-b833-66f0dee85af8'" role="button" aria-label="Author name Christopher Stroup"> <img srcset="https://www.bankrate.com/f/102997/1536x2048/3742cafbf7/christopher-stroup-cfp.jpg?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/f/102997/1536x2048/3742cafbf7/christopher-stroup-cfp.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/1536x2048/3742cafbf7/christopher-stroup-cfp.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/f/102997/1536x2048/3742cafbf7/christopher-stroup-cfp.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Christopher Stroup</p> </button> </div> </div> <hr class="w-full border-gray-mid border mx-0 my-2"> <div class="AskTheExperts-details" role="tabpanel"> <div x-show="author_id_active == '1b1ae35b-91ed-4f6c-86cb-27533999c0ee'" aria-labelledby="AskTheExperts-tab-1" role="tabpanel" style=""> <div class="AskTheExperts-detailsItem"> <span class="AskTheExperts-detailsAuthor no-underline cursor-default"> <img srcset="https://www.bankrate.com/f/102997/938x1412/d5ec43f2c7/taylor-kovar-cfp.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/f/102997/938x1412/d5ec43f2c7/taylor-kovar-cfp.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/938x1412/d5ec43f2c7/taylor-kovar-cfp.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/f/102997/938x1412/d5ec43f2c7/taylor-kovar-cfp.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four border-0 m-0 mb-1">Taylor Kovar</p> <p class="text-slate m-0">CFP, founder and CEO of 11 Financial</p> </div> </span> <div class="w-full mt-4 border-gray-mid border rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> CD rates in 2025 are going to depend on what the Fed does next. They just decided to keep rates steady for now, but there’s still talk about possible cuts down the road. That means we might not see CD rates drop right away, but banks could still shake things up with competitive offers. If you’re thinking about locking in a CD, now might be a good time—waiting too long could mean missing out on better rates if they start to slide later this year.</p> </div> </div> </div> <div x-show="author_id_active == 'fd8aef85-21cb-4030-84e8-9a6bdee82a22'" aria-labelledby="AskTheExperts-tab-2" role="tabpanel" style="display: none;"> <div class="AskTheExperts-detailsItem"> <a class="AskTheExperts-detailsAuthor no-underline" href="https://www.bankrate.com/authors/mark-hamrick/"> <img srcset="https://www.bankrate.com/f/102997/1096x731/63f9dc32df/mark-hamrick-expert-stylistic.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/f/102997/1096x731/63f9dc32df/mark-hamrick-expert-stylistic.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/1096x731/63f9dc32df/mark-hamrick-expert-stylistic.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/f/102997/1096x731/63f9dc32df/mark-hamrick-expert-stylistic.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four Link border-0 m-0 mb-1">Mark Hamrick</p> <p class="text-slate m-0">Bankrate senior economic analyst</p> </div> </a> <div class="w-full mt-4 border-gray-mid border rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> The difference between the average yield and the highest yields on CDs is considerable. That’s a factor now of about two times or more. So, why settle for an average yield when you can do better than that? You couldn’t leave money on the table if it were sitting in front of you, right? Opting for saving in the first place, along with higher yields, is key.</p> </div> </div> </div> <div x-show="author_id_active == 'e05d6df3-5428-41cc-b833-66f0dee85af8'" aria-labelledby="AskTheExperts-tab-3" role="tabpanel" style="display: none;"> <div class="AskTheExperts-detailsItem"> <span class="AskTheExperts-detailsAuthor no-underline cursor-default"> <img srcset="https://www.bankrate.com/f/102997/1536x2048/3742cafbf7/christopher-stroup-cfp.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/f/102997/1536x2048/3742cafbf7/christopher-stroup-cfp.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/1536x2048/3742cafbf7/christopher-stroup-cfp.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/f/102997/1536x2048/3742cafbf7/christopher-stroup-cfp.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four border-0 m-0 mb-1">Christopher Stroup</p> <p class="text-slate m-0">CFP, founder and president of Silicon Beach Financial</p> </div> </span> <div class="w-full mt-4 border-gray-mid border rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> After three consecutive rate cuts since September, the Fed is now in a "wait and see" mode. It's important to know that any potential decrease in yields won't affect your existing CD until it matures. If your rate is currently locked in, you're protected from any future rate cuts for the term of your current CD. For those looking to secure a new CD, now might be a good opportunity to lock in a higher yield before the Fed’s stance potentially pushes rates lower should economic and inflation data support that move.</p> </div> </div> </div> </div> </div> </div> <div id="current-promotional-rates" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> Current promotional CD rates </h2> </div> <div class="wysiwyg display-block w-full has-links"> <p>Some banks have promotional CD rates, even some of the <a class="Link" href="https://www.bankrate.com/banking/biggest-banks-in-america/">largest banks</a>. There might be certain restrictions on these CDs. For instance, you might have to bring money from outside the bank to be eligible for this APY. Promotional CDs may renew at a different term and at a different APY. (That APY is likely to not be known when you purchase a promotional CD.)</p></div> <div x-data="table({ containerId: '21deb60e-95c7-4f8f-b2d6-0e55f8e3f794', tableId: 'table-21deb60e-95c7-4f8f-b2d6-0e55f8e3f794', buttonId: 'button-21deb60e-95c7-4f8f-b2d6-0e55f8e3f794', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="21deb60e-95c7-4f8f-b2d6-0e55f8e3f794" class="table-container" tabindex="0"> <table id="table-21deb60e-95c7-4f8f-b2d6-0e55f8e3f794" class="Table table-content "> <thead> <tr> <th class="text-left"> Bank name</th> <th class="text-right"> CD product</th> <th class="text-right"> APY</th> </tr> </thead> <tbody> <tr id="dd305f94-2e61-4d3e-b3d2-0dc8f0533e1b" class=""> <td data-col="1" class="text-left"> U.S. Bank</td> <td data-col="2" class="text-right"> 5-month</td> <td data-col="3" class="text-right"> 4.00%</td> </tr> <tr id="0e2471b4-044b-46ab-9c00-88534d3f78ec" class=""> <td data-col="1" class="text-left"> Bank of America</td> <td data-col="2" class="text-right"> 7-month</td> <td data-col="3" class="text-right"> 3.80%</td> </tr> <tr id="d3783924-99a7-47ef-b3a4-9f3b3311b958" class=""> <td data-col="1" class="text-left"> Wells Fargo</td> <td data-col="2" class="text-right"> 7-month</td> <td data-col="3" class="text-right"> 4.00%</td> </tr> <tr id="54d5770a-7e70-4414-b35e-fbc783a4061b" class=""> <td data-col="1" class="text-left"> PenFed Credit Union</td> <td data-col="2" class="text-right"> 15-month</td> <td data-col="3" class="text-right"> 3.65%</td> </tr> </tbody> </table> <table id="header-fixed-21deb60e-95c7-4f8f-b2d6-0e55f8e3f794" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> <div class="wysiwyg display-block w-full has-links"> <p><em>These promotional CDs might not be available in certain areas. APYs for some products may vary by region. The CD may renew for a different term. The promotional offers are as of Feb. 6.</em></p></div> </div> <div id="top-cd-rates-by-term" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> Compare top CD rates today by term </h2> </div> <div class="wysiwyg display-inline has-links"> <p>When you open a CD, selecting a term is an important step. The term is the length of time that the money stays stashed in the account. For example, opening a CD with a one-year term means you’re making a commitment to the bank that you’ll keep your money in the account for one year.</p> <p>Here’s where you’ll find some of the top yielding CDs by term.</p></div> <div id="tabs-v3-23f2f70c-fc9b-479d-b30b-048ca72f5e6b" class="TabsV3" x-data="{ selectedId: null, init() { // Set the first available tab on the page on page load. this.$nextTick(() => this.select(this.$id('tab', 1))) }, select(id) { this.selectedId = id }, isSelected(id) { return this.selectedId === id }, whichChild(el, parent) { return Array.from(parent.children).indexOf(el) + 1 } }" x-id="['tab']"> <div class="sm:gutter"> <div class="wrapper" style=""> <div class="TabsV3-select FormControl"> <select aria-label="Select your option" class="FormSelect normal-case" x-model="selectedId" @change="() => $el.dataset.text = $el.options[$el.selectedIndex].text"> <option :value="$id('tab', 1)"> 3-month rates</option> <option :value="$id('tab', 2)"> 6-month rates</option> <option :value="$id('tab', 3)"> 1-year rates</option> <option :value="$id('tab', 4)"> 3-year rates</option> <option :value="$id('tab', 5)"> 5-year rates</option> </select> <svg class="FormSelect-arrow Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></div> <ul class="TabsV3-nav full-width display-none md:display-flex" x-ref="tablist" @keydown.right.prevent.stop="$focus.wrap().next()" @keydown.home.prevent.stop="$focus.first()" @keydown.page-up.prevent.stop="$focus.first()" @keydown.left.prevent.stop="$focus.wrap().prev()" @keydown.end.prevent.stop="$focus.last()" @keydown.page-down.prevent.stop="$focus.last()" role="tablist"> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > 3-month rates</button> </li> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > 6-month rates</button> </li> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > 1-year rates</button> </li> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > 3-year rates</button> </li> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > 5-year rates</button> </li> </ul> </div> </div> <div class="TabsV3-content mt-5 TabsV3-content-noscript sm:gutter" x-cloak> <noscript> <style> .TabsV3-content-noscript { display: block !important; } </style> </noscript> <div class="wrapper"> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab" style=""> <div class="wealth-dynamic-rate-block"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Institution</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> Quontic Bank </td> <td> 4.50% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> America First Credit Union </td> <td> 4.35% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> Bank5 Connect </td> <td> 4.35% APY </td> <td> $500</td> </tr> </tbody> </table> </div> </div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab" style=""> <div class="wealth-dynamic-rate-block"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Institution</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> Bask Bank </td> <td> 4.45% APY </td> <td> $1,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> Bank5 Connect </td> <td> 4.35% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> America First Credit Union </td> <td> 4.35% APY </td> <td> $500</td> </tr> </tbody> </table> </div> </div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab" style=""> <div class="wealth-dynamic-rate-block"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Institution</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> Bask Bank </td> <td> 4.40% APY </td> <td> $1,000</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> America First Credit Union </td> <td> 4.35% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> Citizens Access </td> <td> 4.35% APY </td> <td> $5,000</td> </tr> </tbody> </table> </div> </div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab" style=""> <div class="wealth-dynamic-rate-block"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Institution</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> SchoolsFirst Federal Credit Union </td> <td> 4.15% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> America First Credit Union </td> <td> 4.15% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> Popular Direct </td> <td> 4.10% APY </td> <td> $10,000</td> </tr> </tbody> </table> </div> </div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab" style=""> <div class="wealth-dynamic-rate-block"> <div class="table-container wealth-product-rate-list" data-show-all="false"> <table class="Table table-content"> <thead> <tr class="border-b border-gray"> <th>Institution</th> <th>APY</th> <th>Min. deposit</th> </tr> </thead> <tbody> <tr class="border-b border-gray hover:bg-gray-light"> <td> SchoolsFirst Federal Credit Union </td> <td> 4.25% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> America First Credit Union </td> <td> 4.25% APY </td> <td> $500</td> </tr> <tr class="border-b border-gray hover:bg-gray-light"> <td> Synchrony Bank </td> <td> 4.15% APY </td> <td> $0</td> </tr> </tbody> </table> </div> </div> </div> </div> </div> </div> <div class="wysiwyg display-block w-full has-links"> <p><em>Note: Annual percentage yields (APYs) shown were updated between Feb. 14 and Feb. 20. Bankrate's editorial team validates this information regularly. APYs may have changed since they were last updated and may vary by region for some products. Bankrate includes only FDIC banks or NCUA credit unions in its listings.</em></p></div> </div> <div id="how-to-choose" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> How to choose the best CD for you </h2> </div> <div class="wysiwyg display-block w-full has-links"> <p>The top three things to look for when choosing a CD are:</p></div> <ul class="Accordion w-full border-0" data-cy="accordion-617eb8e8-2949-4ac7-a089-9de7fd510ed1"> <li x-id="['panel-span-classtext-find-a-bank-or-credit-union-that-offers-a-competitive-yieldspan', 'heading-span-classtext-find-a-bank-or-credit-union-that-offers-a-competitive-yieldspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item Card Card--accentedBottom mb-4 border-0"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6 hover:bg-white" :id="$id('heading-span-classtext-find-a-bank-or-credit-union-that-offers-a-competitive-yieldspan')" :aria-controls="$id('panel-span-classtext-find-a-bank-or-credit-union-that-offers-a-competitive-yieldspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" find a bank or credit union that offers a competitive yield " data-position="1" data-text=" Find a bank or credit union that offers a competitive yield " data-outcome="" data-variant="card" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Find a bank or credit union that offers a competitive yield</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-find-a-bank-or-credit-union-that-offers-a-competitive-yieldspan')" :labelledBy="$id('heading-span-classtext-find-a-bank-or-credit-union-that-offers-a-competitive-yieldspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-block w-full has-links"> <p>You can find CDs that are outpacing current inflation in this rate environment. A competitive yield helps your balance grow over time through interest earned compounding.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-find-a-bank-or-credit-union-that-offers-a-competitive-yieldspan')" :labelledBy="$id('heading-span-classtext-find-a-bank-or-credit-union-that-offers-a-competitive-yieldspan')" role="region"> <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-block w-full has-links"> <p>You can find CDs that are outpacing current inflation in this rate environment. A competitive yield helps your balance grow over time through interest earned compounding.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-decide-what-term-is-best-for-youspan', 'heading-span-classtext-decide-what-term-is-best-for-youspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item Card Card--accentedBottom mb-4 border-0"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6 hover:bg-white" :id="$id('heading-span-classtext-decide-what-term-is-best-for-youspan')" :aria-controls="$id('panel-span-classtext-decide-what-term-is-best-for-youspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" decide what term is best for you " data-position="2" data-text=" Decide what term is best for you " data-outcome="" data-variant="card" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Decide what term is best for you</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-decide-what-term-is-best-for-youspan')" :labelledBy="$id('heading-span-classtext-decide-what-term-is-best-for-youspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-block w-full has-links"> <p>You’ll want to assess when you’ll need this money so that you try and avoid paying an early withdrawal penalty.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-decide-what-term-is-best-for-youspan')" :labelledBy="$id('heading-span-classtext-decide-what-term-is-best-for-youspan')" role="region"> <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-block w-full has-links"> <p>You’ll want to assess when you’ll need this money so that you try and avoid paying an early withdrawal penalty.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-know-what-the-early-withdrawal-penalties-arespan', 'heading-span-classtext-know-what-the-early-withdrawal-penalties-arespan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item Card Card--accentedBottom mb-4 border-0"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6 hover:bg-white" :id="$id('heading-span-classtext-know-what-the-early-withdrawal-penalties-arespan')" :aria-controls="$id('panel-span-classtext-know-what-the-early-withdrawal-penalties-arespan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" know what the early withdrawal penalties are " data-position="3" data-text=" Know what the early withdrawal penalties are " data-outcome="" data-variant="card" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Know what the early withdrawal penalties are</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-know-what-the-early-withdrawal-penalties-arespan')" :labelledBy="$id('heading-span-classtext-know-what-the-early-withdrawal-penalties-arespan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-block w-full has-links"> <p>You want to know the worst-case scenario if you have to make an early withdrawal.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-know-what-the-early-withdrawal-penalties-arespan')" :labelledBy="$id('heading-span-classtext-know-what-the-early-withdrawal-penalties-arespan')" role="region"> <div class="Accordion-content text-slate border-t border-gray p-0 pt-5 m-3 mb-4 sm:m-6 mt-0 sm:mt-0"> <div class="wysiwyg display-block w-full has-links"> <p>You want to know the worst-case scenario if you have to make an early withdrawal.</p></div> </div> </div> </noscript> </li> </ul> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/banking/cds/what-is-a-cd/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/banking/cds/cd-rates/" data-name="Learn more link" data-position="middle" data-text="What is a CD?" data-outcome="send to page" > What is a CD?</a> </div> <div class="vertical-spacer pt-16 trsy-pt-[--pt] w-full" style="content: ''; --pt: 4rem"></div> <div class="wysiwyg display-inline has-links"> <h3>Types of CDs</h3> <p>Banks and credit unions offer <a class="Link" href="https://www.bankrate.com/banking/cds/what-type-of-cd-is-best/">a wide range of CDs</a> to fit different financial needs. Take some time to consider which type of CD is best for you.</p></div> <div id="tabs-v3-a8ce3050-ae28-4928-a92d-fa712090821b" class="TabsV3" x-data="{ selectedId: null, init() { // Set the first available tab on the page on page load. this.$nextTick(() => this.select(this.$id('tab', 1))) }, select(id) { this.selectedId = id }, isSelected(id) { return this.selectedId === id }, whichChild(el, parent) { return Array.from(parent.children).indexOf(el) + 1 } }" x-id="['tab']"> <div class="sm:gutter"> <div class="wrapper" style=""> <div class="TabsV3-select FormControl"> <select aria-label="Select your option" class="FormSelect normal-case" x-model="selectedId" @change="() => $el.dataset.text = $el.options[$el.selectedIndex].text"> <option :value="$id('tab', 1)"> Traditional CDs</option> <option :value="$id('tab', 2)"> No-penalty CDs</option> <option :value="$id('tab', 3)"> Bump-up CDs</option> </select> <svg class="FormSelect-arrow Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></div> <ul class="TabsV3-nav full-width display-none md:display-flex" x-ref="tablist" @keydown.right.prevent.stop="$focus.wrap().next()" @keydown.home.prevent.stop="$focus.first()" @keydown.page-up.prevent.stop="$focus.first()" @keydown.left.prevent.stop="$focus.wrap().prev()" @keydown.end.prevent.stop="$focus.last()" @keydown.page-down.prevent.stop="$focus.last()" role="tablist"> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > Traditional CDs</button> </li> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > No-penalty CDs</button> </li> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > Bump-up CDs</button> </li> </ul> </div> </div> <div class="TabsV3-content mt-5 TabsV3-content-noscript sm:gutter" x-cloak> <noscript> <style> .TabsV3-content-noscript { display: block !important; } </style> </noscript> <div class="wrapper"> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab" style=""> <div class="vertical-spacer pt-6 trsy-pt-[--pt] w-full" style="content: ''; --pt: 1.5rem"></div> <div class="wysiwyg display-block w-full has-links"> <p>Traditional CDs are the most common type of CD, and they earn a fixed APY for the entire term. These CDs usually don’t allow you to add more funds after your opening deposit, and they also tend to have strict early withdrawal penalties.</p> <p>If you withdraw from a CD before it matures, the penalty is usually equal to the amount of interest earned during a certain period of time. For instance, a bank may impose a penalty of 90 days of simple interest on a one-year CD if you withdraw from that CD before the year is up. </p> <p><strong>When this CD makes sense:</strong> Traditional CDs are a good choice if you know exactly when you’ll need the money, and there’s no chance of needing it before the term is up. They’re often good for CD ladders or other CD investing strategies in which timing is important.</p></div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab" style=""> <div class="vertical-spacer pt-6 trsy-pt-[--pt] w-full" style="content: ''; --pt: 1.5rem"></div> <div class="wysiwyg display-block w-full has-links"> <p>Most CDs charge you a penalty for accessing the funds before the term is up. However, some banks offer <a class="Link" href="https://www.bankrate.com/banking/cds/best-no-penalty-cd-rates/">no-penalty CDs</a> — also known as liquid CDs — which allow you to withdraw the money early without being charged a penalty. </p> <p>A bank may require that you wait at least some time after opening a no-penalty CD — generally around six or seven days — before you’re able to withdraw from the CD, and some banks don’t allow for partial withdrawals. No-penalty CD rates tend to be lower than regular CD rates, but they can be better than some <a class="Link" href="https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/">high-yield savings account</a> or money market account rates.</p> <p><strong>When this CD makes sense:</strong> Consider a no-penalty CD if you don’t plan to withdraw the money before the CD matures, but you want to keep some flexibility in case you need access to the funds. As a result, you’re willing to give up a little return for added liquidity.</p></div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab" style=""> <div class="vertical-spacer pt-6 trsy-pt-[--pt] w-full" style="content: ''; --pt: 1.5rem"></div> <div class="wysiwyg display-block w-full has-links"> <p><a class="Link" href="https://www.bankrate.com/banking/cds/bump-up-cd/">Bump-up CDs</a> enable you to request an increase in your rate during the CD term under certain conditions. Banks that offer this CD usually allow just one bump-up per term. For example, you may open a three-year CD at a given rate, and the bank offers an additional half-point rate increase when you’re one year into the term. With a bump-up CD, you can request a rate increase for the remainder of the term. Like no-penalty CDs, bump-up CDs often pay lower rates than traditional CDs.</p> <p><strong>When this CD makes sense:</strong> A bump-up CD could be a good option if rates are expected to rise significantly during the term of the CD. Otherwise, you’re likely accepting a lower rate for limited potential upside.</p></div> </div> </div> </div> </div> <div data-campaign="br-main-rt-cds-spl-first" data-ad-id="fcfaaeaf-005b-4ae9-8c39-b5064b6ea5f9"class="myFinance-widget"></div> </div> <div id="who-should-get-a-CD" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> Who should get a CD? </h2> </div> <div class="wysiwyg display-block w-full has-links"> <p>A CD is useful when you want to earn a consistent, fixed yield on your lump sum of cash over the term of your savings account, especially if interest rates are declining. It also encourages you to be disciplined in leaving your money untouched as it earns interest because a CD is a time deposit account and imposes an early withdrawal penalty if you withdraw your funds before the CD matures.</p> <p>A good time to open a CD is when you have a lump sum of money that you want to sock away for a specific period of time in the hopes of consistently growing interest. Also, it’s worth opening a CD when you know you have a specific timeframe in mind when you think you’ll need this money. A six-month CD, for example, could be a good place to put your money aside for an insurance premium that’s due in eight months.</p></div> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/banking/cds/cd-ladder-guide/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/banking/cds/cd-rates/" data-name="Learn more link" data-position="middle" data-text="How to build a CD ladder" data-outcome="send to page" > How to build a CD ladder</a> </div> </div> <div id="pros-and-cons-of-cds" class="SectionWithTocItem " > <div class="wysiwyg display-inline has-links"> <h2 id="what-to-consider-when-choosing-a-cd">Pros and cons of CDs</h2> <p>Before you choose a CD, weigh the pros and cons to ensure you're making the right investment choice for your financial situation.</p></div> <div class="pros-and-cons "> <div class="display-flex gap-4 sm:gap-6 flex-direction-column sm:flex-direction-row"> <div class="sm:w-1/2"> <div data-cy="" class="Headline w-full"> <h3 class="type-body-one trsy-wysiwyg font-circular-bold border-b pb-3 mb-5"> Pros </h3> </div> <ul class="List"> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1">Some CDs earn a higher APY than money market accounts or savings accounts.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1">CDs are a good place to store funds that you don’t want to be able to dip into too easily.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1">CDs can help you separate money for financial goals or future expenses.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1">Deposit insurance covers accounts at FDIC banks and NCUA credit unions up to at least $250,000.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1">A CD can diversify your savings plan with a guaranteed rate.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1">Your principal remains intact if you keep your money in a CD for the full term.</p> </div> </li> </ul> </div> <div class="sm:w-1/2"> <div data-cy="" class="Headline w-full"> <h3 class="type-body-one trsy-wysiwyg font-circular-bold border-b pb-3 mb-5"> Cons </h3> </div> <ul class="List"> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 mr-4"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <p class="type-body-one text-slate mb-0 mt-1">CDs tie up your money for a potentially long period of time.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 mr-4"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <p class="type-body-one text-slate mb-0 mt-1">Many CDs have early withdrawal penalties.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 mr-4"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <p class="type-body-one text-slate mb-0 mt-1">Money committed to a CD could end up earning a lackluster yield if rates rise substantially. The early withdrawal penalty may negate any benefit of switching to a higher-yielding CD, however.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 mr-4"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <p class="type-body-one text-slate mb-0 mt-1">You could potentially earn better rates of return in the stock market or by investing in other securities.</p> </div> </li> </ul> </div> </div> </div> </div> <div id="cds-vs-other-savings-accounts" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> Alternatives to CDs </h2> </div> <div class="ProductTileList"> <a class="ProductTile" href="https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/" > <div class="ProductTile-wrapper"> <div class="ProductTile-content"> <p class="ProductTile-header">High-yield savings account</p> <p class="ProductTile-supportText">This account tends to earn a yield currently of about seven times higher than the national average. At online-only banks, these accounts often won’t have monthly service fees or minimum balance requirements.</p> </div> </div> <div class="ProductTile-buttonContainer"> <div class="ProductTile-button"> <svg class="Icon Icon--xs text-white" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></div> </div> </a> <a class="ProductTile" href="https://www.bankrate.com/banking/money-market/rates/" > <div class="ProductTile-wrapper"> <div class="ProductTile-content"> <p class="ProductTile-header">Money market account</p> <p class="ProductTile-supportText">This is an interest-bearing account available at both banks and credit unions which is similar to a savings account but also offers some checking account features.</p> </div> </div> <div class="ProductTile-buttonContainer"> <div class="ProductTile-button"> <svg class="Icon Icon--xs text-white" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></div> </div> </a> <a class="ProductTile" href="https://www.bankrate.com/investing/best-short-term-bond-funds/" > <div class="ProductTile-wrapper"> <div class="ProductTile-content"> <p class="ProductTile-header">Short-term bond funds</p> <p class="ProductTile-supportText">These funds, be they exchange-traded funds (ETFs) or mutual funds, typically invest in government and corporate bonds. Short-term bond funds typically have durations of one to three and a half years, according to Fidelity.</p> </div> </div> <div class="ProductTile-buttonContainer"> <div class="ProductTile-button"> <svg class="Icon Icon--xs text-white" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></div> </div> </a> <a class="ProductTile" href="https://www.bankrate.com/banking/savings/rates/" > <div class="ProductTile-wrapper"> <div class="ProductTile-content"> <p class="ProductTile-header">Index funds</p> <p class="ProductTile-supportText">These funds are based on a preset basket of stocks, or index. They promise ownership of a wide variety of stocks, greater diversification and lower risk – usually all at a low cost.</p> </div> </div> <div class="ProductTile-buttonContainer"> <div class="ProductTile-button"> <svg class="Icon Icon--xs text-white" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></div> </div> </a></div> <div data-campaign="br-main-rt-cds-spl-second" data-ad-id="3ca4eb00-894c-4c9b-81a0-a383788687b9"class="myFinance-widget"></div> </div> <div id="cd-faqs" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> CD FAQs </h2> </div> <ul class="Accordion w-full" data-cy="accordion-cab24a72-f846-4d98-98be-24cf99f21320"> <li x-id="['panel-how-are-cds-taxed', 'heading-how-are-cds-taxed']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-how-are-cds-taxed')" :aria-controls="$id('panel-how-are-cds-taxed')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" how are cds taxed? " data-position="1" data-text=" How are CDs taxed? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How are CDs taxed?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-are-cds-taxed')" :labelledBy="$id('heading-how-are-cds-taxed')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Generally, you’ll receive a Form 1099-INT each year <a class="Link" href="https://www.bankrate.com/banking/cds/paying-tax-on-cd-interest/">if you earn more than $10 interest</a>, if there is withholding or if there is a penalty. This will generally be taxed as ordinary income, according to the IRS.</p> <p>For instance, a CD customer with a multi-year CD should receive a 1099-INT from their bank after each year interest is earned if at least $10 of interest was earned during a calendar year.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-are-cds-taxed')" :labelledBy="$id('heading-how-are-cds-taxed')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Generally, you’ll receive a Form 1099-INT each year <a class="Link" href="https://www.bankrate.com/banking/cds/paying-tax-on-cd-interest/">if you earn more than $10 interest</a>, if there is withholding or if there is a penalty. This will generally be taxed as ordinary income, according to the IRS.</p> <p>For instance, a CD customer with a multi-year CD should receive a 1099-INT from their bank after each year interest is earned if at least $10 of interest was earned during a calendar year.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-are-cds-safe', 'heading-are-cds-safe']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-are-cds-safe')" :aria-controls="$id('panel-are-cds-safe')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" are cds safe? " data-position="2" data-text=" Are CDs safe? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Are CDs safe?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-are-cds-safe')" :labelledBy="$id('heading-are-cds-safe')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Your <a class="Link" href="https://www.bankrate.com/banking/cds/are-cds-safe/">CD is safe</a> at either an <a class="Link" href="https://www.bankrate.com/banking/fdic-insurance/">FDIC-insured bank</a> or an <a class="Link" href="https://www.bankrate.com/banking/credit-unions/ncua-how-your-savings-at-credit-unions-are-insured-by-the-government/">NCUSIF-insured credit union</a>, as long as the amount of money in the account is within the established limits and guidelines. Federally insured deposit accounts are safe whether they’re at online banks, brick-and-mortar banks or credit unions since they’re backed by the full faith and credit of the U.S. government. Just make sure you’re not exceeding the insurance limits.</p> <p>For <a class="Link" href="https://www.bankrate.com/banking/faq-bank-safety-and-deposit-insurance/">federally-insured banks</a> and credit unions, the standard insurance limit is $250,000 per depositor or share owner, per insured bank or credit union, for each account ownership category.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-are-cds-safe')" :labelledBy="$id('heading-are-cds-safe')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Your <a class="Link" href="https://www.bankrate.com/banking/cds/are-cds-safe/">CD is safe</a> at either an <a class="Link" href="https://www.bankrate.com/banking/fdic-insurance/">FDIC-insured bank</a> or an <a class="Link" href="https://www.bankrate.com/banking/credit-unions/ncua-how-your-savings-at-credit-unions-are-insured-by-the-government/">NCUSIF-insured credit union</a>, as long as the amount of money in the account is within the established limits and guidelines. Federally insured deposit accounts are safe whether they’re at online banks, brick-and-mortar banks or credit unions since they’re backed by the full faith and credit of the U.S. government. Just make sure you’re not exceeding the insurance limits.</p> <p>For <a class="Link" href="https://www.bankrate.com/banking/faq-bank-safety-and-deposit-insurance/">federally-insured banks</a> and credit unions, the standard insurance limit is $250,000 per depositor or share owner, per insured bank or credit union, for each account ownership category.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-cd-fees', 'heading-cd-fees']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-cd-fees')" :aria-controls="$id('panel-cd-fees')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" are there fees associated with cds? " data-position="3" data-text=" Are there fees associated with CDs? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Are there fees associated with CDs?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-cd-fees')" :labelledBy="$id('heading-cd-fees')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>CDs generally have an <a class="Link" href="https://www.bankrate.com/banking/cds/cd-early-withdrawal-can-come-at-a-high-price/">early withdrawal penalty</a> for taking your money out before the CD matures. No-penalty CDs are the exception, though they may also impose a penalty if the funds are withdrawn during the first six or seven days after the account is opened.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-cd-fees')" :labelledBy="$id('heading-cd-fees')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>CDs generally have an <a class="Link" href="https://www.bankrate.com/banking/cds/cd-early-withdrawal-can-come-at-a-high-price/">early withdrawal penalty</a> for taking your money out before the CD matures. No-penalty CDs are the exception, though they may also impose a penalty if the funds are withdrawn during the first six or seven days after the account is opened.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-good-cd-rate', 'heading-good-cd-rate']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-good-cd-rate')" :aria-controls="$id('panel-good-cd-rate')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" what is considered a good cd rate? " data-position="4" data-text=" What is considered a good CD rate? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What is considered a good CD rate?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-good-cd-rate')" :labelledBy="$id('heading-good-cd-rate')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>A good CD rate depends on a few factors, but the true answer depends on your personal financial situation. If you need to access your money in a year, for example, your best CD options will be those with a one-year term or less.</p> <p>Knowing for sure that you won’t need your cash for a specific amount of time also typically allows you to earn a higher rate. The bank is willing to pay you more for the certainty that your money will remain in its hands for the designated length of time.</p> <p>Compare CD rates to the national average to make sure you’re getting a competitive return.  For example, the national average APY for 1-year CDs is 1.86 percent as of February 21, 2025, while some top-yielding banks are currently offering one-year CDs with APYs of up to 4.52 percent.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-good-cd-rate')" :labelledBy="$id('heading-good-cd-rate')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>A good CD rate depends on a few factors, but the true answer depends on your personal financial situation. If you need to access your money in a year, for example, your best CD options will be those with a one-year term or less.</p> <p>Knowing for sure that you won’t need your cash for a specific amount of time also typically allows you to earn a higher rate. The bank is willing to pay you more for the certainty that your money will remain in its hands for the designated length of time.</p> <p>Compare CD rates to the national average to make sure you’re getting a competitive return.  For example, the national average APY for 1-year CDs is 1.86 percent as of February 21, 2025, while some top-yielding banks are currently offering one-year CDs with APYs of up to 4.52 percent.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-online-bank', 'heading-online-bank']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-online-bank')" :aria-controls="$id('panel-online-bank')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" is an online bank the best choice for a cd? " data-position="5" data-text=" Is an online bank the best choice for a CD? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Is an online bank the best choice for a CD?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-online-bank')" :labelledBy="$id('heading-online-bank')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>Online banks tend to offer higher APYs than brick-and-mortar banks. These online-only institutions typically have lower overhead costs and are able to pass the savings along to their customers in the form of higher rates. In addition, unlike your bank located on the corner of Main Street, online banks may need a higher APY to get your attention and earn your business.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-online-bank')" :labelledBy="$id('heading-online-bank')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>Online banks tend to offer higher APYs than brick-and-mortar banks. These online-only institutions typically have lower overhead costs and are able to pass the savings along to their customers in the form of higher rates. In addition, unlike your bank located on the corner of Main Street, online banks may need a higher APY to get your attention and earn your business.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-how-long', 'heading-how-long']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-how-long')" :aria-controls="$id('panel-how-long')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" how long can you leave money in a cd? " data-position="6" data-text=" How long can you leave money in a CD? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How long can you leave money in a CD?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-long')" :labelledBy="$id('heading-how-long')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>You can keep your money in a CD and let it renew over and over. CDs generally automatically renew. However, unclaimed CDs can be escheated — or transferred from an estate to the government — subject to each state’s laws. To avoid your CD being escheated due to being considered abandoned property, be sure to keep in touch with your bank and keep a valid mailing address on file.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-long')" :labelledBy="$id('heading-how-long')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>You can keep your money in a CD and let it renew over and over. CDs generally automatically renew. However, unclaimed CDs can be escheated — or transferred from an estate to the government — subject to each state’s laws. To avoid your CD being escheated due to being considered abandoned property, be sure to keep in touch with your bank and keep a valid mailing address on file.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-beneficiaries', 'heading-beneficiaries']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-beneficiaries')" :aria-controls="$id('panel-beneficiaries')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" do cds have beneficiaries? " data-position="7" data-text=" Do CDs have beneficiaries? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Do CDs have beneficiaries?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-beneficiaries')" :labelledBy="$id('heading-beneficiaries')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>Banks give account holders with CDs the opportunity to name a beneficiary, which is a person who will inherit your savings in the event that you die. While naming a beneficiary for your CD may be the last thing on your mind, experts say it’s an important step to take.</p> <p>If you don’t have a beneficiary designated to receive the funds in your CD, your savings will go through probate, which is the court process for deciding what happens to the property of an individual after their death.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-beneficiaries')" :labelledBy="$id('heading-beneficiaries')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>Banks give account holders with CDs the opportunity to name a beneficiary, which is a person who will inherit your savings in the event that you die. While naming a beneficiary for your CD may be the last thing on your mind, experts say it’s an important step to take.</p> <p>If you don’t have a beneficiary designated to receive the funds in your CD, your savings will go through probate, which is the court process for deciding what happens to the property of an individual after their death.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-lose-money', 'heading-lose-money']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-lose-money')" :aria-controls="$id('panel-lose-money')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" can you lose money on a cd? " data-position="8" data-text=" Can you lose money on a CD? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Can you lose money on a CD?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-lose-money')" :labelledBy="$id('heading-lose-money')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>As long as your CD is at an FDIC-insured bank or an NCUA credit union and it’s within insurance limits and guidelines, you won’t lose money with a CD. You may lose some of your interest — and potentially some of your principal — by making an early withdrawal, however.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-lose-money')" :labelledBy="$id('heading-lose-money')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline has-links"> <p>As long as your CD is at an FDIC-insured bank or an NCUA credit union and it’s within insurance limits and guidelines, you won’t lose money with a CD. You may lose some of your interest — and potentially some of your principal — by making an early withdrawal, however.</p></div> </div> </div> </noscript> </li> </ul> </div> <div id="meet-experts" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <h2>Meet our Bankrate experts</h2> <p><strong>Written by: Matthew Goldberg, Senior Consumer Banking Reporter</strong></p> <p>Matthew is a senior consumer banking reporter with more than two decades of journalism and financial services expertise, helping readers make informed decisions about their personal finance needs. His banking career includes being a banker in New York City and a bank officer at one of the nation's largest banks. Matthew is currently a member of the Board of Governors at the Society for Advancing Business Editing and Writing (SABEW), chairing its training member engagement committee and is co-chair of its Finance Committee.</p> <p><a class="Link" href="https://www.bankrate.com/authors/matthew-goldberg/">Read more from Matthew Goldberg</a></p> <p><strong>Edited by: Marc Wojno, Senior Editor, Banking</strong></p> <p>I’ve been a personal finance writer and editor for more than two decades specializing in money management, deposit accounts, investing, fintech and cryptocurrency. Throughout the years of crunching numbers and words, I’ve been passionate about helping readers make informed decisions on managing their money with uniquely helpful advice. I have an MBA from George Washington University, and am an active member of both the National Press Club and SABEW, where I’ve volunteered as a judge for their respective journalism awards programs. Recently, I was elected Treasurer of the Society of Professional Journalists’ SDX Foundation (Washington, DC chapter), raising scholarship money for aspiring young journalists.</p> <p><a class="Link" href="https://www.bankrate.com/authors/marc-wojno/">Read more from Marc Wojno</a></p> <p><strong>Reviewed by: Greg McBride, CFA, Chief Financial Analyst, Bankrate</strong></p> <p>Greg McBride is a CFA charterholder with more than a quarter-century of experience analyzing banking trends and personal finance. As Bankrate's Chief Financial Analyst, he leads the team that researches and provides guidance on savings vehicles, from high-yield savings accounts to CDs. Through Bankrate.com's Money Makeover series, he has helped consumers develop their saving habits, maximize their returns on deposit accounts, and make smart decisions about where to keep their cash. He is frequently quoted by major media outlets on banking trends and Federal Reserve policy impacts on deposit rates.</p> <p><a class="Link" href="https://www.bankrate.com/authors/greg-mcbride/">Read more from Greg McBride</a></p></div> </div> <div id="methodology" class="SectionWithTocItem " > <div class="wysiwyg display-inline has-links"> <h2>Research methodology</h2> <p>Bankrate’s editorial team is made up of five banking experts. These experts have researched numerous banks and at least twice a month review bank websites to make sure readers stay up to date on the latest rates and bank products.</p> <p>The banks and credit unions on this page are selected based on popularity, Bankrate’s review score and CD APYs. The listings are ordered based on Bankrate’s scoring system, and ties are broken through minimum balance requirements and then alphabetical order.</p> <p><em>Note: Bankrate doesn’t include callable CDs or brokered CDs on this page and compares regular CDs and no-penalty CDs separately.</em></p></div> <ul class="Accordion w-full" data-cy="accordion-df5f70ff-5397-436e-a403-8b500a0ac041"> <li x-id="['panel-span-classtext-selection-of-banks-shown-on-page-and-sorting-logicspan', 'heading-span-classtext-selection-of-banks-shown-on-page-and-sorting-logicspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-selection-of-banks-shown-on-page-and-sorting-logicspan')" :aria-controls="$id('panel-span-classtext-selection-of-banks-shown-on-page-and-sorting-logicspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" selection of banks shown on page and sorting logic " data-position="1" data-text=" Selection of banks shown on page and sorting logic " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Selection of banks shown on page and sorting logic</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-selection-of-banks-shown-on-page-and-sorting-logicspan')" :labelledBy="$id('heading-span-classtext-selection-of-banks-shown-on-page-and-sorting-logicspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Banks are sorted based on the highest APYs with a $50,000 balance. Minimum balance requirements and then alphabetical order help break ties between banks and credit unions.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-selection-of-banks-shown-on-page-and-sorting-logicspan')" :labelledBy="$id('heading-span-classtext-selection-of-banks-shown-on-page-and-sorting-logicspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Banks are sorted based on the highest APYs with a $50,000 balance. Minimum balance requirements and then alphabetical order help break ties between banks and credit unions.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-banks-we-monitorspan', 'heading-span-classtext-banks-we-monitorspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-banks-we-monitorspan')" :aria-controls="$id('panel-span-classtext-banks-we-monitorspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" banks we monitor " data-position="2" data-text=" Banks we monitor " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Banks we monitor</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-banks-we-monitorspan')" :labelledBy="$id('heading-span-classtext-banks-we-monitorspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p><div style="max-width: 100%; word-wrap: break-word; white-space: normal;">Alliant Credit Union, Ally Bank, Amerant Bank, America First Credit Union, American Express National Bank, Axos Bank, Bank of America, Bank5 Connect, Barclays Bank, Bask Bank, Bethpage Federal Credit Union, BMO Alto, BMO Bank, Bread Savings, BrioDirect, Capital One, CFG Community Bank, Charles Schwab Bank, Chase Bank, CIBC Bank USA, CIT Bank, Citibank, Citizens Access, Comerica Bank, Connexus Credit Union, Credit One Bank, Customers Bank, Delta Community Credit Union, Discover Bank, EverBank, Fifth Third Bank, First Citizens Bank, First Internet Bank of Indiana, First National Bank of America, FNBO Direct, Forbright Bank, Golden 1 Credit Union, Heritage Bank, Huntington National Bank, iGOBanking.com, Jenius Bank, KeyBank, LendingClub Bank, Limelight Bank, Live Oak Bank, M&T Bank, Marcus by Goldman Sachs, Morgan Stanley Private Bank, MySavingsDirect, Navy Federal Credit Union, NBKC Bank, Openbank, Pentagon Federal Credit Union, PNC Bank, Popular Direct, Quontic Bank, Randolph-Brooks Federal Credit Union, Regions Bank, Rising Bank, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, SoFi, State Employees' Credit Union, Suncoast Credit Union, Synchrony Bank, TAB Bank, UFB Direct, US Bank, USAA Bank, Varo Bank, Vio Bank, VyStar Credit Union, Wells Fargo, Zions Bank</div></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-banks-we-monitorspan')" :labelledBy="$id('heading-span-classtext-banks-we-monitorspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p><div style="max-width: 100%; word-wrap: break-word; white-space: normal;">Alliant Credit Union, Ally Bank, Amerant Bank, America First Credit Union, American Express National Bank, Axos Bank, Bank of America, Bank5 Connect, Barclays Bank, Bask Bank, Bethpage Federal Credit Union, BMO Alto, BMO Bank, Bread Savings, BrioDirect, Capital One, CFG Community Bank, Charles Schwab Bank, Chase Bank, CIBC Bank USA, CIT Bank, Citibank, Citizens Access, Comerica Bank, Connexus Credit Union, Credit One Bank, Customers Bank, Delta Community Credit Union, Discover Bank, EverBank, Fifth Third Bank, First Citizens Bank, First Internet Bank of Indiana, First National Bank of America, FNBO Direct, Forbright Bank, Golden 1 Credit Union, Heritage Bank, Huntington National Bank, iGOBanking.com, Jenius Bank, KeyBank, LendingClub Bank, Limelight Bank, Live Oak Bank, M&T Bank, Marcus by Goldman Sachs, Morgan Stanley Private Bank, MySavingsDirect, Navy Federal Credit Union, NBKC Bank, Openbank, Pentagon Federal Credit Union, PNC Bank, Popular Direct, Quontic Bank, Randolph-Brooks Federal Credit Union, Regions Bank, Rising Bank, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, SoFi, State Employees' Credit Union, Suncoast Credit Union, Synchrony Bank, TAB Bank, UFB Direct, US Bank, USAA Bank, Varo Bank, Vio Bank, VyStar Credit Union, Wells Fargo, Zions Bank</div></p></div> </div> </div> </noscript> </li> </ul> </div></div> </div> <div class="vertical-spacer pt-12 trsy-pt-[--pt] w-full" style="content: ''; --pt: 3rem"></div> <div class="ThreeCardList"> <h3 class="type-heading-six uppercase mb-6">Learn more</h3> <div class="ThreeCardList-list"> <div class="SimpleCard bg-white p-8 h-full display-flex flex-direction-column Card Card--accentedBottom no-underline box-shadow-1 rounded-md" > <div class="Icon flex-shrink-0 Icon--md mb-6 "> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calculator Icon</title><path d="M4.2 5.7a1.5 1.5 0 0 1 1.5-1.5h16.755a1.5 1.5 0 0 1 1.5 1.5v16.755a1.5 1.5 0 0 1-1.5 1.5H5.7a1.5 1.5 0 0 1-1.5-1.5V5.7Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M4.456 22.491h15.08l.008.009a2.958 2.958 0 0 0 2.956-2.956V4.456A2.958 2.958 0 0 0 19.544 1.5H4.456A2.958 2.958 0 0 0 1.5 4.456v15.08a2.958 2.958 0 0 0 2.956 2.955ZM2.863 4.456c0-.877.716-1.593 1.593-1.593h6.858v8.374h-8.45v-6.78Zm0 8.145v6.943c0 .877.716 1.593 1.593 1.593h6.858V12.6h-8.45Zm9.815-9.738h6.866c.877 0 1.593.716 1.593 1.593v6.781h-8.46V2.863Zm0 9.738v8.536h6.866c.877 0 1.593-.716 1.593-1.593V12.6h-8.46ZM6.38 8.97c0 .375.307.682.682.682a.684.684 0 0 0 .681-.682V7.685h1.287a.684.684 0 0 0 .681-.682.684.684 0 0 0-.681-.681H7.744V5.035a.684.684 0 0 0-.681-.681.684.684 0 0 0-.682.681v1.287H5.095a.684.684 0 0 0-.682.681c0 .375.307.682.682.682H6.38V8.97Zm8.537-1.286h3.936a.684.684 0 0 0 .681-.682.684.684 0 0 0-.681-.681h-3.936a.684.684 0 0 0-.682.681c0 .375.307.682.682.682ZM8.554 18.853H8.55a.668.668 0 0 0 .48-.196.684.684 0 0 0 0-.962l-.91-.912.91-.911a.684.684 0 0 0 0-.963.684.684 0 0 0-.962 0l-.912.912-.911-.912a.684.684 0 0 0-.963 0 .684.684 0 0 0 0 .963l.912.911-.912.912a.684.684 0 0 0 0 .962.684.684 0 0 0 .963 0l.911-.911.912.912a.72.72 0 0 0 .482.195h-.005.009Zm10.402-2.785H15.02a.684.684 0 0 1-.681-.682c0-.374.306-.681.681-.681h3.936c.375 0 .682.306.682.681a.684.684 0 0 1-.682.682Zm-3.936 2.786h3.936a.684.684 0 0 0 .682-.682.684.684 0 0 0-.682-.681H15.02a.684.684 0 0 0-.681.681c0 .375.306.682.681.682Z" class="icon-base"/></svg></div> <span class="SimpleCard-eyebrow type-heading-six text-blue uppercase display-block mb-3">Get Started</span> <h3 class="SimpleCard-title type-heading-four mt-0 mb-4"> <a href="https://www.bankrate.com/banking/cds/cd-calculator/" class="Card-link text-black" > Calculate your CD earnings</a> </h3> <div class="SimpleCard-copy type-body-one text-slate"><p><span style="white-space: pre-wrap;">Estimate how much money you will earn with a fixed APY when your CD matures.</span></p></div> </div> <div class="SimpleCard bg-white p-8 h-full display-flex flex-direction-column Card Card--accentedBottom no-underline box-shadow-1 rounded-md align-items-start" > <div class="Icon flex-shrink-0 Icon--md mb-6 "> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>CD Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M5.372 20.534c.12.043.244.066.373.066h2.116a.41.41 0 0 1 .01 0h14.683c.795 0 1.446-.87 1.446-1.937V6.237c0-.854-.417-1.582-.991-1.838a1.096 1.096 0 0 0-.455-.099H5.745c-.794 0-1.445.87-1.445 1.937v12.426c0 .894.457 1.65 1.072 1.871Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M4.246 18.261H12a.71.71 0 0 0 .707-.708.71.71 0 0 0-.707-.708H4.246c-.733 0-1.333-.743-1.333-1.655V4.57c0-.91.6-1.654 1.333-1.654h15.508c.732 0 1.333.743 1.333 1.655v5.31c0 .389.318.707.707.707a.71.71 0 0 0 .706-.707V4.57c0-1.7-1.227-3.071-2.746-3.071H4.246C2.736 1.5 1.5 2.88 1.5 4.57v10.62c0 1.7 1.228 3.071 2.746 3.071ZM18.791 6.704H5.13a.71.71 0 0 1-.707-.708.71.71 0 0 1 .707-.708H18.79a.71.71 0 0 1 .706.708.71.71 0 0 1-.706.708ZM16.398 18.96c.327.328.75.487 1.183.487l-.008-.009a1.7 1.7 0 0 0 1.192-.496l.212-.212v1.876l-.98-.522a.737.737 0 0 0-.654 0l-1.122.567v-1.873l.177.182Zm-1.59-.524a1.697 1.697 0 0 1-1.05-1.564v-.452a.275.275 0 0 0-.08-.194l-.309-.31a1.682 1.682 0 0 1 0-2.38.235.235 0 0 1 .053-.045l.256-.265a.275.275 0 0 0 .08-.195v-.558a1.692 1.692 0 0 1 1.678-1.593h.45a.24.24 0 0 0 .185-.08l.31-.309c.635-.637 1.74-.637 2.384 0l.318.328c.044.044.115.07.185.07h.45c.928 0 1.687.761 1.687 1.69v.452c0 .07.027.141.07.186l.31.31c.318.318.494.743.494 1.194 0 .451-.176.876-.494 1.195l-.31.31a.275.275 0 0 0-.079.194v.452c0 .687-.415 1.282-1.006 1.546v3.365a.725.725 0 0 1-.345.61.676.676 0 0 1-.362.098v.01a.749.749 0 0 1-.335-.08l-1.696-.912-1.82.911a.731.731 0 0 1-.688-.026.702.702 0 0 1-.335-.602v-3.356Zm-.52-3.715c0-.044.008-.106.052-.16h-.008l.035-.034.309-.32c.31-.309.486-.734.486-1.185V12.571c0-.15.123-.275.273-.275h.45c.451 0 .875-.168 1.193-.486l.31-.31c.132-.133.246-.133.379 0l.318.319c.318.318.742.495 1.192.495h.45c.15 0 .274.124.274.274v.452c0 .451.168.867.486 1.186l.309.31c.07.07.08.15.08.194a.286.286 0 0 1-.089.195l-.309.318c-.31.31-.486.735-.486 1.186v.452c0 .15-.123.274-.274.274h-.45c-.46 0-.874.168-1.192.486l-.31.31c-.114.107-.282.107-.379.01l-.318-.328a1.668 1.668 0 0 0-1.183-.487h-.45a.275.275 0 0 1-.274-.274v-.452c0-.451-.168-.876-.486-1.194l-.31-.31a.269.269 0 0 1-.079-.195Zm-9.15-4.106H12a.71.71 0 0 0 .707-.708A.71.71 0 0 0 12 9.2H5.138a.71.71 0 0 0-.706.708c0 .39.318.708.706.708Zm3.197 3.912H5.077a.71.71 0 0 1-.707-.708.71.71 0 0 1 .707-.708h3.258a.71.71 0 0 1 .707.707.71.71 0 0 1-.707.709Z" class="icon-base"/></svg></div> <span class="SimpleCard-eyebrow type-heading-six text-blue uppercase display-block mb-3">Compare</span> <h3 class="SimpleCard-title type-heading-four mt-0 mb-4"> <a href="https://www.bankrate.com/banking/cds/the-pros-and-cons-of-cd-investing/" class="Card-link text-black" > Pros and cons of CD investing</a> </h3> <div class="SimpleCard-copy type-body-one text-slate"><p>Weigh the benefits and drawbacks of CD accounts to determine if this savings strategy is right for you.</p></div> </div> <div class="SimpleCard bg-white p-8 h-full display-flex flex-direction-column Card Card--accentedBottom no-underline box-shadow-1 rounded-md align-items-start" > <div class="Icon flex-shrink-0 Icon--md mb-6 "> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Invest Rate Icon</title><path d="M5.768 5.5C4.795 5.5 4 6.255 4 7.184v11.732c0 .93.795 1.684 1.768 1.684h16.464c.973 0 1.768-.755 1.768-1.684V7.184c0-.93-.795-1.684-1.768-1.684H5.768Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M1.5 16.386a3.004 3.004 0 0 0 3.002 3.002c.381 0 .693-.311.693-.692a.694.694 0 0 0-.693-.692 1.621 1.621 0 0 1-1.618-1.618V6.002c0-.89.727-1.618 1.618-1.618h14.995c.892 0 1.619.727 1.619 1.618v5.192c0 .38.311.692.692.692.38 0 .692-.311.692-.692V6.002A3.01 3.01 0 0 0 19.497 3H4.502A3.004 3.004 0 0 0 1.5 6.002v10.384Zm10.505-1.618a.694.694 0 0 1-.693-.692v-.156h-.614a.694.694 0 0 1-.692-.692c0-.38.311-.692.692-.692h1.197a.68.68 0 0 1 .219 0h.47a.32.32 0 1 0 0-.64h-1.16c-.942 0-1.704-.77-1.704-1.705 0-.897.71-1.642 1.592-1.701v-.177c0-.38.312-.692.693-.692.38 0 .692.311.692.692v.173h.614c.38 0 .692.312.692.692 0 .381-.311.693-.692.693h-1.886a.32.32 0 1 0 0 .64h1.16c.942 0 1.704.761 1.704 1.705 0 .905-.702 1.643-1.592 1.7v.16c0 .38-.312.692-.692.692Zm-3.972 6.628a.687.687 0 0 1-.485-1.185l4.024-3.885c.26-.251.666-.26.934-.026l3.366 2.967 4.021-3.954h-1.546a.694.694 0 0 1-.693-.692c0-.38.312-.692.693-.692h3.227c.38 0 .692.311.692.692v3.227c0 .381-.311.693-.692.693a.694.694 0 0 1-.692-.693v-1.566l-4.49 4.422a.694.694 0 0 1-.944.026l-3.366-2.968-3.565 3.444a.702.702 0 0 1-.484.19Z" class="icon-base"/></svg></div> <span class="SimpleCard-eyebrow type-heading-six text-blue uppercase display-block mb-3">In the news</span> <h3 class="SimpleCard-title type-heading-four mt-0 mb-4"> <a href="https://www.bankrate.com/banking/cds/todays-cd-rates/" class="Card-link text-black" > Daily CD rate trends</a> </h3> <div class="SimpleCard-copy type-body-one text-slate"><p><span style="white-space: pre-wrap;">Stay informed about today's highest CD yields and what banks and credit unions offer them.</span></p></div> </div></div> </div></div> </section> </main> </div> <footer data-swiftype-index="false"class="global-footer"> <div class="global-footer__container"> <h2 class="global-footer__logo-container"> <a href="https://www.bankrate.com/"> <span class="global-footer__logo-text">Bankrate logo</span> <svg width="120" height="24" width="100" height="20" viewBox="0 0 400 80" 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Check back again soon."; return; } // Remove term options from the select drop down when insufficient data is available for (const [term, productRates] of Object.entries(feeds.product_rates)) { if (!filteredProductRates[term].length && cdTermLength !== null && cdTermLengthModal !== null) { const optionToRemove = cdTermLength.querySelector(`option[value="${term}"]`); const modalOptionToRemove = cdTermLengthModal.querySelector(`option[value="${term}"]`); optionToRemove?.remove(); modalOptionToRemove?.remove(); // Remove objects from filteredProductRates where the term has insufficient data delete filteredProductRates[term]; } } updateTable(); const defaultTerm = 6; // Set filteredDefaultTerm to the shortest term with sufficient data if the defaultTerm has insufficient data const filteredDefaultTerm = filteredProductRates.hasOwnProperty(defaultTerm) ? defaultTerm : Object.keys(filteredProductRates)[0]; let key; if (event.type === 'load') { key = filteredDefaultTerm; if (cdTermLength !== null) cdTermLength.value = key; } else { if (cdTermLength !== null && cdTermLengthModal !== null) { key = parseInt(cdTermLength.value); cdTermLengthModal.value = cdTermLength.value; } } const filteredNatAverageRates = {}; for (const [term, natAvgRates] of Object.entries(feeds.national_avg)) { const hasSixMonths = isSixMonthsOfData(natAvgRates); filteredNatAverageRates[term] = hasSixMonths ? natAvgRates : [] } // Code for national avg change event if (!nationalAvgChangeEventExecuted && !filteredNatAverageRates[key].length) { var notAvailableDiv = document.createElement('div'); notAvailableDiv.className = 'type-body-one text-black pl-1'; notAvailableDiv.textContent = '(No data available)'; nationalAvgLegend.appendChild(notAvailableDiv); nationalAvgChangeEventExecuted = true; } else if (nationalAvgChangeEventExecuted && filteredNatAverageRates[key].length) { nationalAvgLegend.removeChild(nationalAvgLegend.lastChild); nationalAvgChangeEventExecuted = false; } let parseCDfeeds = { 'advertiser_name': feeds.advertiser_name, 'product_rates': filteredProductRates[key], 'national_avg': filteredNatAverageRates[key], }; window.renderChart(parseCDfeeds, idKey); } else { const hasEnoughData = isSixMonthsOfData(feeds.product_rates); const feedsToShow = hasEnoughData ? feeds : { ...feeds, product_rates: [], }; if (hasEnoughData) { window.renderChart(feedsToShow, idKey); } else { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = `We appreciate your patience as we continue to collect rates information for ${feeds.advertiser_name}. Check back again soon.`; return; } } } window.addEventListener("load", loadChart); if (cdTermLength !== null) { cdTermLength.addEventListener("change", loadChart); } if (cdTermLengthModal !== null) { cdTermLengthModal.addEventListener("change", loadChart); } const updateTable = () => { let key = parseInt(cdTermLength.value); const uniqueTbody = document.getElementById(`unique-tbody-${idKey}`); if (event.target === cdTermLengthModal) { cdTermLength.value = cdTermLengthModal.value; key = cdTermLengthModal.value; } const modalData = tableData[key]; // Remove all the existing rows. while (uniqueTbody.firstChild) { uniqueTbody.removeChild(uniqueTbody.firstChild); } // Append the new rows. for (const row of modalData) { const tr = document.createElement("tr"); // Add the date to the row. const tdDate = document.createElement("td"); tdDate.textContent = row.date; tr.appendChild(tdDate); // Add the rate to the row. const tdRate = document.createElement("td"); tdRate.textContent = row.rate; 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const idKey = "bask-bank"; const cdTermLength = document.getElementById(`term-length-${idKey}`); const cdTermLengthModal = document.getElementById(`term-length-modal-${idKey}`); const tableView = document.getElementById(`table-view-${idKey}`); const advertiserNameLegend = document.getElementById(`legend-${idKey}`); const nationalAvgLegend = document.getElementById(`legend-national-avg-${idKey}`); const hrtAccordion = document.getElementById(`hrtAccordion-${idKey}`); let productRatesChangeEventExecuted = false; let nationalAvgChangeEventExecuted = false; const isSixMonthsOfData = (rates) => { const SECONDS_PER_MONTH = 2629746 if (rates?.length < 2) return false; const firstDataPointSeconds = rates[0].timestamp / 1000; const lastDataPointSeconds = rates[rates.length - 1].timestamp / 1000; const totalSeconds = lastDataPointSeconds - firstDataPointSeconds; const months = totalSeconds / SECONDS_PER_MONTH; return months >= 6; } const loadChart = () => { if (productType === 'cd') { // Filter out rates that don't have six months of data const filteredProductRates = {}; for (const [term, productRates] of Object.entries(feeds.product_rates)) { const hasSixMonths = isSixMonthsOfData(productRates); filteredProductRates[term] = hasSixMonths ? productRates : []; } // If six months of data is unavailable for every term, hide the chart and display updated content const hideChart = Object.values(filteredProductRates).every(arr => arr.length === 0); if (hideChart) { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = "We appreciate your patience as we continue to collect rates information for " + feeds .advertiser_name + ". Check back again soon."; return; } // Remove term options from the select drop down when insufficient data is available for (const [term, productRates] of Object.entries(feeds.product_rates)) { if (!filteredProductRates[term].length && cdTermLength !== null && cdTermLengthModal !== null) { const optionToRemove = cdTermLength.querySelector(`option[value="${term}"]`); const modalOptionToRemove = cdTermLengthModal.querySelector(`option[value="${term}"]`); optionToRemove?.remove(); modalOptionToRemove?.remove(); // Remove objects from filteredProductRates where the term has insufficient data delete filteredProductRates[term]; } } updateTable(); const defaultTerm = 3; // Set filteredDefaultTerm to the shortest term with sufficient data if the defaultTerm has insufficient data const filteredDefaultTerm = filteredProductRates.hasOwnProperty(defaultTerm) ? defaultTerm : Object.keys(filteredProductRates)[0]; let key; if (event.type === 'load') { key = filteredDefaultTerm; if (cdTermLength !== null) cdTermLength.value = key; } else { if (cdTermLength !== null && cdTermLengthModal !== null) { key = parseInt(cdTermLength.value); cdTermLengthModal.value = cdTermLength.value; } } const filteredNatAverageRates = {}; for (const [term, natAvgRates] of Object.entries(feeds.national_avg)) { const hasSixMonths = isSixMonthsOfData(natAvgRates); filteredNatAverageRates[term] = hasSixMonths ? natAvgRates : [] } // Code for national avg change event if (!nationalAvgChangeEventExecuted && !filteredNatAverageRates[key].length) { var notAvailableDiv = document.createElement('div'); notAvailableDiv.className = 'type-body-one text-black pl-1'; notAvailableDiv.textContent = '(No data available)'; nationalAvgLegend.appendChild(notAvailableDiv); nationalAvgChangeEventExecuted = true; } else if (nationalAvgChangeEventExecuted && filteredNatAverageRates[key].length) { nationalAvgLegend.removeChild(nationalAvgLegend.lastChild); nationalAvgChangeEventExecuted = false; } let parseCDfeeds = { 'advertiser_name': feeds.advertiser_name, 'product_rates': filteredProductRates[key], 'national_avg': filteredNatAverageRates[key], }; window.renderChart(parseCDfeeds, idKey); } else { const hasEnoughData = isSixMonthsOfData(feeds.product_rates); const feedsToShow = hasEnoughData ? feeds : { ...feeds, product_rates: [], }; if (hasEnoughData) { window.renderChart(feedsToShow, idKey); } else { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = `We appreciate your patience as we continue to collect rates information for ${feeds.advertiser_name}. Check back again soon.`; return; } } } window.addEventListener("load", loadChart); if (cdTermLength !== null) { cdTermLength.addEventListener("change", loadChart); } if (cdTermLengthModal !== null) { cdTermLengthModal.addEventListener("change", loadChart); } const updateTable = () => { let key = parseInt(cdTermLength.value); const uniqueTbody = document.getElementById(`unique-tbody-${idKey}`); if (event.target === cdTermLengthModal) { cdTermLength.value = cdTermLengthModal.value; key = cdTermLengthModal.value; } const modalData = tableData[key]; // Remove all the existing rows. while (uniqueTbody.firstChild) { uniqueTbody.removeChild(uniqueTbody.firstChild); } // Append the new rows. for (const row of modalData) { const tr = document.createElement("tr"); // Add the date to the row. const tdDate = document.createElement("td"); tdDate.textContent = row.date; tr.appendChild(tdDate); // Add the rate to the row. const tdRate = document.createElement("td"); tdRate.textContent = row.rate; 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Check back again soon."; return; } // Remove term options from the select drop down when insufficient data is available for (const [term, productRates] of Object.entries(feeds.product_rates)) { if (!filteredProductRates[term].length && cdTermLength !== null && cdTermLengthModal !== null) { const optionToRemove = cdTermLength.querySelector(`option[value="${term}"]`); const modalOptionToRemove = cdTermLengthModal.querySelector(`option[value="${term}"]`); optionToRemove?.remove(); modalOptionToRemove?.remove(); // Remove objects from filteredProductRates where the term has insufficient data delete filteredProductRates[term]; } } updateTable(); const defaultTerm = 3; // Set filteredDefaultTerm to the shortest term with sufficient data if the defaultTerm has insufficient data const filteredDefaultTerm = filteredProductRates.hasOwnProperty(defaultTerm) ? defaultTerm : Object.keys(filteredProductRates)[0]; let key; if (event.type === 'load') { key = filteredDefaultTerm; if (cdTermLength !== null) cdTermLength.value = key; } else { if (cdTermLength !== null && cdTermLengthModal !== null) { key = parseInt(cdTermLength.value); cdTermLengthModal.value = cdTermLength.value; } } const filteredNatAverageRates = {}; for (const [term, natAvgRates] of Object.entries(feeds.national_avg)) { const hasSixMonths = isSixMonthsOfData(natAvgRates); filteredNatAverageRates[term] = hasSixMonths ? natAvgRates : [] } // Code for national avg change event if (!nationalAvgChangeEventExecuted && !filteredNatAverageRates[key].length) { var notAvailableDiv = document.createElement('div'); notAvailableDiv.className = 'type-body-one text-black pl-1'; notAvailableDiv.textContent = '(No data available)'; nationalAvgLegend.appendChild(notAvailableDiv); nationalAvgChangeEventExecuted = true; } else if (nationalAvgChangeEventExecuted && filteredNatAverageRates[key].length) { nationalAvgLegend.removeChild(nationalAvgLegend.lastChild); nationalAvgChangeEventExecuted = false; } let parseCDfeeds = { 'advertiser_name': feeds.advertiser_name, 'product_rates': filteredProductRates[key], 'national_avg': filteredNatAverageRates[key], }; window.renderChart(parseCDfeeds, idKey); } else { const hasEnoughData = isSixMonthsOfData(feeds.product_rates); const feedsToShow = hasEnoughData ? feeds : { ...feeds, product_rates: [], }; if (hasEnoughData) { window.renderChart(feedsToShow, idKey); } else { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = `We appreciate your patience as we continue to collect rates information for ${feeds.advertiser_name}. Check back again soon.`; return; } } } window.addEventListener("load", loadChart); if (cdTermLength !== null) { cdTermLength.addEventListener("change", loadChart); } if (cdTermLengthModal !== null) { cdTermLengthModal.addEventListener("change", loadChart); } const updateTable = () => { let key = parseInt(cdTermLength.value); const uniqueTbody = document.getElementById(`unique-tbody-${idKey}`); if (event.target === cdTermLengthModal) { cdTermLength.value = cdTermLengthModal.value; key = cdTermLengthModal.value; } const modalData = tableData[key]; // Remove all the existing rows. while (uniqueTbody.firstChild) { uniqueTbody.removeChild(uniqueTbody.firstChild); } // Append the new rows. for (const row of modalData) { const tr = document.createElement("tr"); // Add the date to the row. const tdDate = document.createElement("td"); tdDate.textContent = row.date; tr.appendChild(tdDate); // Add the rate to the row. const tdRate = document.createElement("td"); tdRate.textContent = row.rate; 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Check back again soon."; return; } // Remove term options from the select drop down when insufficient data is available for (const [term, productRates] of Object.entries(feeds.product_rates)) { if (!filteredProductRates[term].length && cdTermLength !== null && cdTermLengthModal !== null) { const optionToRemove = cdTermLength.querySelector(`option[value="${term}"]`); const modalOptionToRemove = cdTermLengthModal.querySelector(`option[value="${term}"]`); optionToRemove?.remove(); modalOptionToRemove?.remove(); // Remove objects from filteredProductRates where the term has insufficient data delete filteredProductRates[term]; } } updateTable(); const defaultTerm = 3; // Set filteredDefaultTerm to the shortest term with sufficient data if the defaultTerm has insufficient data const filteredDefaultTerm = filteredProductRates.hasOwnProperty(defaultTerm) ? defaultTerm : Object.keys(filteredProductRates)[0]; let key; if (event.type === 'load') { key = filteredDefaultTerm; if (cdTermLength !== null) cdTermLength.value = key; } else { if (cdTermLength !== null && cdTermLengthModal !== null) { key = parseInt(cdTermLength.value); cdTermLengthModal.value = cdTermLength.value; } } const filteredNatAverageRates = {}; for (const [term, natAvgRates] of Object.entries(feeds.national_avg)) { const hasSixMonths = isSixMonthsOfData(natAvgRates); filteredNatAverageRates[term] = hasSixMonths ? natAvgRates : [] } // Code for national avg change event if (!nationalAvgChangeEventExecuted && !filteredNatAverageRates[key].length) { var notAvailableDiv = document.createElement('div'); notAvailableDiv.className = 'type-body-one text-black pl-1'; notAvailableDiv.textContent = '(No data available)'; nationalAvgLegend.appendChild(notAvailableDiv); nationalAvgChangeEventExecuted = true; } else if (nationalAvgChangeEventExecuted && filteredNatAverageRates[key].length) { nationalAvgLegend.removeChild(nationalAvgLegend.lastChild); nationalAvgChangeEventExecuted = false; } let parseCDfeeds = { 'advertiser_name': feeds.advertiser_name, 'product_rates': filteredProductRates[key], 'national_avg': filteredNatAverageRates[key], }; window.renderChart(parseCDfeeds, idKey); } else { const hasEnoughData = isSixMonthsOfData(feeds.product_rates); const feedsToShow = hasEnoughData ? feeds : { ...feeds, product_rates: [], }; if (hasEnoughData) { window.renderChart(feedsToShow, idKey); } else { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = `We appreciate your patience as we continue to collect rates information for ${feeds.advertiser_name}. Check back again soon.`; return; } } } window.addEventListener("load", loadChart); if (cdTermLength !== null) { cdTermLength.addEventListener("change", loadChart); } if (cdTermLengthModal !== null) { cdTermLengthModal.addEventListener("change", loadChart); } const updateTable = () => { let key = parseInt(cdTermLength.value); const uniqueTbody = document.getElementById(`unique-tbody-${idKey}`); if (event.target === cdTermLengthModal) { cdTermLength.value = cdTermLengthModal.value; key = cdTermLengthModal.value; } const modalData = tableData[key]; // Remove all the existing rows. while (uniqueTbody.firstChild) { uniqueTbody.removeChild(uniqueTbody.firstChild); } // Append the new rows. for (const row of modalData) { const tr = document.createElement("tr"); // Add the date to the row. const tdDate = document.createElement("td"); tdDate.textContent = row.date; tr.appendChild(tdDate); // Add the rate to the row. const tdRate = document.createElement("td"); tdRate.textContent = row.rate; 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out rates that don't have six months of data const filteredProductRates = {}; for (const [term, productRates] of Object.entries(feeds.product_rates)) { const hasSixMonths = isSixMonthsOfData(productRates); filteredProductRates[term] = hasSixMonths ? productRates : []; } // If six months of data is unavailable for every term, hide the chart and display updated content const hideChart = Object.values(filteredProductRates).every(arr => arr.length === 0); if (hideChart) { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = "We appreciate your patience as we continue to collect rates information for " + feeds .advertiser_name + ". Check back again soon."; return; } // Remove term options from the select drop down when insufficient data is available for (const [term, productRates] of Object.entries(feeds.product_rates)) { if (!filteredProductRates[term].length && cdTermLength !== null && cdTermLengthModal !== null) { const optionToRemove = cdTermLength.querySelector(`option[value="${term}"]`); const modalOptionToRemove = cdTermLengthModal.querySelector(`option[value="${term}"]`); optionToRemove?.remove(); modalOptionToRemove?.remove(); // Remove objects from filteredProductRates where the term has insufficient data delete filteredProductRates[term]; } } updateTable(); const defaultTerm = 6; // Set filteredDefaultTerm to the shortest term with sufficient data if the defaultTerm has insufficient data const filteredDefaultTerm = filteredProductRates.hasOwnProperty(defaultTerm) ? defaultTerm : Object.keys(filteredProductRates)[0]; let key; if (event.type === 'load') { key = filteredDefaultTerm; if (cdTermLength !== null) cdTermLength.value = key; } else { if (cdTermLength !== null && cdTermLengthModal !== null) { key = parseInt(cdTermLength.value); cdTermLengthModal.value = cdTermLength.value; } } const filteredNatAverageRates = {}; for (const [term, natAvgRates] of Object.entries(feeds.national_avg)) { const hasSixMonths = isSixMonthsOfData(natAvgRates); filteredNatAverageRates[term] = hasSixMonths ? natAvgRates : [] } // Code for national avg change event if (!nationalAvgChangeEventExecuted && !filteredNatAverageRates[key].length) { var notAvailableDiv = document.createElement('div'); notAvailableDiv.className = 'type-body-one text-black pl-1'; notAvailableDiv.textContent = '(No data available)'; nationalAvgLegend.appendChild(notAvailableDiv); nationalAvgChangeEventExecuted = true; } else if (nationalAvgChangeEventExecuted && filteredNatAverageRates[key].length) { nationalAvgLegend.removeChild(nationalAvgLegend.lastChild); nationalAvgChangeEventExecuted = false; } let parseCDfeeds = { 'advertiser_name': feeds.advertiser_name, 'product_rates': filteredProductRates[key], 'national_avg': filteredNatAverageRates[key], }; window.renderChart(parseCDfeeds, idKey); } else { const hasEnoughData = isSixMonthsOfData(feeds.product_rates); const feedsToShow = hasEnoughData ? feeds : { ...feeds, product_rates: [], }; if (hasEnoughData) { window.renderChart(feedsToShow, idKey); } else { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = `We appreciate your patience as we continue to collect rates information for ${feeds.advertiser_name}. Check back again soon.`; return; } } } window.addEventListener("load", loadChart); if (cdTermLength !== null) { cdTermLength.addEventListener("change", loadChart); } if (cdTermLengthModal !== null) { cdTermLengthModal.addEventListener("change", loadChart); } const updateTable = () => { let key = parseInt(cdTermLength.value); const uniqueTbody = document.getElementById(`unique-tbody-${idKey}`); if (event.target === cdTermLengthModal) { cdTermLength.value = cdTermLengthModal.value; key = cdTermLengthModal.value; } const modalData = tableData[key]; // Remove all the existing rows. while (uniqueTbody.firstChild) { uniqueTbody.removeChild(uniqueTbody.firstChild); } // Append the new rows. for (const row of modalData) { const tr = document.createElement("tr"); // Add the date to the row. const tdDate = document.createElement("td"); tdDate.textContent = row.date; tr.appendChild(tdDate); // Add the rate to the row. const tdRate = document.createElement("td"); tdRate.textContent = row.rate; 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const idKey = "popular-direct"; const cdTermLength = document.getElementById(`term-length-${idKey}`); const cdTermLengthModal = document.getElementById(`term-length-modal-${idKey}`); const tableView = document.getElementById(`table-view-${idKey}`); const advertiserNameLegend = document.getElementById(`legend-${idKey}`); const nationalAvgLegend = document.getElementById(`legend-national-avg-${idKey}`); const hrtAccordion = document.getElementById(`hrtAccordion-${idKey}`); let productRatesChangeEventExecuted = false; let nationalAvgChangeEventExecuted = false; const isSixMonthsOfData = (rates) => { const SECONDS_PER_MONTH = 2629746 if (rates?.length < 2) return false; const firstDataPointSeconds = rates[0].timestamp / 1000; const lastDataPointSeconds = rates[rates.length - 1].timestamp / 1000; const totalSeconds = lastDataPointSeconds - firstDataPointSeconds; const months = totalSeconds / SECONDS_PER_MONTH; return months >= 6; } const loadChart = () => { if (productType === 'cd') { // Filter out rates that don't have six months of data const filteredProductRates = {}; for (const [term, productRates] of Object.entries(feeds.product_rates)) { const hasSixMonths = isSixMonthsOfData(productRates); filteredProductRates[term] = hasSixMonths ? productRates : []; } // If six months of data is unavailable for every term, hide the chart and display updated content const hideChart = Object.values(filteredProductRates).every(arr => arr.length === 0); if (hideChart) { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = "We appreciate your patience as we continue to collect rates information for " + feeds .advertiser_name + ". Check back again soon."; return; } // Remove term options from the select drop down when insufficient data is available for (const [term, productRates] of Object.entries(feeds.product_rates)) { if (!filteredProductRates[term].length && cdTermLength !== null && cdTermLengthModal !== null) { const optionToRemove = cdTermLength.querySelector(`option[value="${term}"]`); const modalOptionToRemove = cdTermLengthModal.querySelector(`option[value="${term}"]`); optionToRemove?.remove(); modalOptionToRemove?.remove(); // Remove objects from filteredProductRates where the term has insufficient data delete filteredProductRates[term]; } } updateTable(); const defaultTerm = 3; // Set filteredDefaultTerm to the shortest term with sufficient data if the defaultTerm has insufficient data const filteredDefaultTerm = filteredProductRates.hasOwnProperty(defaultTerm) ? defaultTerm : Object.keys(filteredProductRates)[0]; let key; if (event.type === 'load') { key = filteredDefaultTerm; if (cdTermLength !== null) cdTermLength.value = key; } else { if (cdTermLength !== null && cdTermLengthModal !== null) { key = parseInt(cdTermLength.value); cdTermLengthModal.value = cdTermLength.value; } } const filteredNatAverageRates = {}; for (const [term, natAvgRates] of Object.entries(feeds.national_avg)) { const hasSixMonths = isSixMonthsOfData(natAvgRates); filteredNatAverageRates[term] = hasSixMonths ? natAvgRates : [] } // Code for national avg change event if (!nationalAvgChangeEventExecuted && !filteredNatAverageRates[key].length) { var notAvailableDiv = document.createElement('div'); notAvailableDiv.className = 'type-body-one text-black pl-1'; notAvailableDiv.textContent = '(No data available)'; nationalAvgLegend.appendChild(notAvailableDiv); nationalAvgChangeEventExecuted = true; } else if (nationalAvgChangeEventExecuted && filteredNatAverageRates[key].length) { nationalAvgLegend.removeChild(nationalAvgLegend.lastChild); nationalAvgChangeEventExecuted = false; } let parseCDfeeds = { 'advertiser_name': feeds.advertiser_name, 'product_rates': filteredProductRates[key], 'national_avg': filteredNatAverageRates[key], }; window.renderChart(parseCDfeeds, idKey); } else { const hasEnoughData = isSixMonthsOfData(feeds.product_rates); const feedsToShow = hasEnoughData ? feeds : { ...feeds, product_rates: [], }; if (hasEnoughData) { window.renderChart(feedsToShow, idKey); } else { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = `We appreciate your patience as we continue to collect rates information for ${feeds.advertiser_name}. Check back again soon.`; return; } } } window.addEventListener("load", loadChart); if (cdTermLength !== null) { cdTermLength.addEventListener("change", loadChart); } if (cdTermLengthModal !== null) { cdTermLengthModal.addEventListener("change", loadChart); } const updateTable = () => { let key = parseInt(cdTermLength.value); const uniqueTbody = document.getElementById(`unique-tbody-${idKey}`); if (event.target === cdTermLengthModal) { cdTermLength.value = cdTermLengthModal.value; key = cdTermLengthModal.value; } const modalData = tableData[key]; // Remove all the existing rows. while (uniqueTbody.firstChild) { uniqueTbody.removeChild(uniqueTbody.firstChild); } // Append the new rows. for (const row of modalData) { const tr = document.createElement("tr"); // Add the date to the row. const tdDate = document.createElement("td"); tdDate.textContent = row.date; tr.appendChild(tdDate); // Add the rate to the row. const tdRate = document.createElement("td"); tdRate.textContent = row.rate; 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const idKey = "discover-bank"; const cdTermLength = document.getElementById(`term-length-${idKey}`); const cdTermLengthModal = document.getElementById(`term-length-modal-${idKey}`); const tableView = document.getElementById(`table-view-${idKey}`); const advertiserNameLegend = document.getElementById(`legend-${idKey}`); const nationalAvgLegend = document.getElementById(`legend-national-avg-${idKey}`); const hrtAccordion = document.getElementById(`hrtAccordion-${idKey}`); let productRatesChangeEventExecuted = false; let nationalAvgChangeEventExecuted = false; const isSixMonthsOfData = (rates) => { const SECONDS_PER_MONTH = 2629746 if (rates?.length < 2) return false; const firstDataPointSeconds = rates[0].timestamp / 1000; const lastDataPointSeconds = rates[rates.length - 1].timestamp / 1000; const totalSeconds = lastDataPointSeconds - firstDataPointSeconds; const months = totalSeconds / SECONDS_PER_MONTH; return months >= 6; } const loadChart = () => { if (productType === 'cd') { // Filter out rates that don't have six months of data const filteredProductRates = {}; for (const [term, productRates] of Object.entries(feeds.product_rates)) { const hasSixMonths = isSixMonthsOfData(productRates); filteredProductRates[term] = hasSixMonths ? productRates : []; } // If six months of data is unavailable for every term, hide the chart and display updated content const hideChart = Object.values(filteredProductRates).every(arr => arr.length === 0); if (hideChart) { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = "We appreciate your patience as we continue to collect rates information for " + feeds .advertiser_name + ". Check back again soon."; return; } // Remove term options from the select drop down when insufficient data is available for (const [term, productRates] of Object.entries(feeds.product_rates)) { if (!filteredProductRates[term].length && cdTermLength !== null && cdTermLengthModal !== null) { const optionToRemove = cdTermLength.querySelector(`option[value="${term}"]`); const modalOptionToRemove = cdTermLengthModal.querySelector(`option[value="${term}"]`); optionToRemove?.remove(); modalOptionToRemove?.remove(); // Remove objects from filteredProductRates where the term has insufficient data delete filteredProductRates[term]; } } updateTable(); const defaultTerm = 3; // Set filteredDefaultTerm to the shortest term with sufficient data if the defaultTerm has insufficient data const filteredDefaultTerm = filteredProductRates.hasOwnProperty(defaultTerm) ? defaultTerm : Object.keys(filteredProductRates)[0]; let key; if (event.type === 'load') { key = filteredDefaultTerm; if (cdTermLength !== null) cdTermLength.value = key; } else { if (cdTermLength !== null && cdTermLengthModal !== null) { key = parseInt(cdTermLength.value); cdTermLengthModal.value = cdTermLength.value; } } const filteredNatAverageRates = {}; for (const [term, natAvgRates] of Object.entries(feeds.national_avg)) { const hasSixMonths = isSixMonthsOfData(natAvgRates); filteredNatAverageRates[term] = hasSixMonths ? natAvgRates : [] } // Code for national avg change event if (!nationalAvgChangeEventExecuted && !filteredNatAverageRates[key].length) { var notAvailableDiv = document.createElement('div'); notAvailableDiv.className = 'type-body-one text-black pl-1'; notAvailableDiv.textContent = '(No data available)'; nationalAvgLegend.appendChild(notAvailableDiv); nationalAvgChangeEventExecuted = true; } else if (nationalAvgChangeEventExecuted && filteredNatAverageRates[key].length) { nationalAvgLegend.removeChild(nationalAvgLegend.lastChild); nationalAvgChangeEventExecuted = false; } let parseCDfeeds = { 'advertiser_name': feeds.advertiser_name, 'product_rates': filteredProductRates[key], 'national_avg': filteredNatAverageRates[key], }; window.renderChart(parseCDfeeds, idKey); } else { const hasEnoughData = isSixMonthsOfData(feeds.product_rates); const feedsToShow = hasEnoughData ? feeds : { ...feeds, product_rates: [], }; if (hasEnoughData) { window.renderChart(feedsToShow, idKey); } else { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = `We appreciate your patience as we continue to collect rates information for ${feeds.advertiser_name}. Check back again soon.`; return; } } } window.addEventListener("load", loadChart); if (cdTermLength !== null) { cdTermLength.addEventListener("change", loadChart); } if (cdTermLengthModal !== null) { cdTermLengthModal.addEventListener("change", loadChart); } const updateTable = () => { let key = parseInt(cdTermLength.value); const uniqueTbody = document.getElementById(`unique-tbody-${idKey}`); if (event.target === cdTermLengthModal) { cdTermLength.value = cdTermLengthModal.value; key = cdTermLengthModal.value; } const modalData = tableData[key]; // Remove all the existing rows. while (uniqueTbody.firstChild) { uniqueTbody.removeChild(uniqueTbody.firstChild); } // Append the new rows. for (const row of modalData) { const tr = document.createElement("tr"); // Add the date to the row. const tdDate = document.createElement("td"); tdDate.textContent = row.date; tr.appendChild(tdDate); // Add the rate to the row. const tdRate = document.createElement("td"); tdRate.textContent = row.rate; tr.appendChild(tdRate); // Add the avg to the row. const tdAvg = document.createElement("td"); tdAvg.textContent = row.avg; tr.appendChild(tdAvg); // Append the row to the tbody. uniqueTbody.appendChild(tr); } } if (tableView !== null && cdTermLength !== null && cdTermLengthModal !== null) { tableView.addEventListener("click", updateTable); } }; document.addEventListener('alpine:initialized', () => { initializeHRTChart(); }); </script> <script type="module"> function initializeHRTChart() { const productType = "cd"; const feeds = {"advertiser_name":"Ally 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out rates that don't have six months of data const filteredProductRates = {}; for (const [term, productRates] of Object.entries(feeds.product_rates)) { const hasSixMonths = isSixMonthsOfData(productRates); filteredProductRates[term] = hasSixMonths ? productRates : []; } // If six months of data is unavailable for every term, hide the chart and display updated content const hideChart = Object.values(filteredProductRates).every(arr => arr.length === 0); if (hideChart) { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = "We appreciate your patience as we continue to collect rates information for " + feeds .advertiser_name + ". Check back again soon."; return; } // Remove term options from the select drop down when insufficient data is available for (const [term, productRates] of Object.entries(feeds.product_rates)) { if (!filteredProductRates[term].length && cdTermLength !== null && cdTermLengthModal !== null) { const optionToRemove = cdTermLength.querySelector(`option[value="${term}"]`); const modalOptionToRemove = cdTermLengthModal.querySelector(`option[value="${term}"]`); optionToRemove?.remove(); modalOptionToRemove?.remove(); // Remove objects from filteredProductRates where the term has insufficient data delete filteredProductRates[term]; } } updateTable(); const defaultTerm = 3; // Set filteredDefaultTerm to the shortest term with sufficient data if the defaultTerm has insufficient data const filteredDefaultTerm = filteredProductRates.hasOwnProperty(defaultTerm) ? defaultTerm : Object.keys(filteredProductRates)[0]; let key; if (event.type === 'load') { key = filteredDefaultTerm; if (cdTermLength !== null) cdTermLength.value = key; } else { if (cdTermLength !== null && cdTermLengthModal !== null) { key = parseInt(cdTermLength.value); cdTermLengthModal.value = cdTermLength.value; } } const filteredNatAverageRates = {}; for (const [term, natAvgRates] of Object.entries(feeds.national_avg)) { const hasSixMonths = isSixMonthsOfData(natAvgRates); filteredNatAverageRates[term] = hasSixMonths ? natAvgRates : [] } // Code for national avg change event if (!nationalAvgChangeEventExecuted && !filteredNatAverageRates[key].length) { var notAvailableDiv = document.createElement('div'); notAvailableDiv.className = 'type-body-one text-black pl-1'; notAvailableDiv.textContent = '(No data available)'; nationalAvgLegend.appendChild(notAvailableDiv); nationalAvgChangeEventExecuted = true; } else if (nationalAvgChangeEventExecuted && filteredNatAverageRates[key].length) { nationalAvgLegend.removeChild(nationalAvgLegend.lastChild); nationalAvgChangeEventExecuted = false; } let parseCDfeeds = { 'advertiser_name': feeds.advertiser_name, 'product_rates': filteredProductRates[key], 'national_avg': filteredNatAverageRates[key], }; window.renderChart(parseCDfeeds, idKey); } else { const hasEnoughData = isSixMonthsOfData(feeds.product_rates); const feedsToShow = hasEnoughData ? feeds : { ...feeds, product_rates: [], }; if (hasEnoughData) { window.renderChart(feedsToShow, idKey); } else { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = `We appreciate your patience as we continue to collect rates information for ${feeds.advertiser_name}. Check back again soon.`; return; } } } window.addEventListener("load", loadChart); if (cdTermLength !== null) { cdTermLength.addEventListener("change", loadChart); } if (cdTermLengthModal !== null) { cdTermLengthModal.addEventListener("change", loadChart); } const updateTable = () => { let key = parseInt(cdTermLength.value); const uniqueTbody = document.getElementById(`unique-tbody-${idKey}`); if (event.target === cdTermLengthModal) { cdTermLength.value = cdTermLengthModal.value; key = cdTermLengthModal.value; } const modalData = tableData[key]; // Remove all the existing rows. while (uniqueTbody.firstChild) { uniqueTbody.removeChild(uniqueTbody.firstChild); } // Append the new rows. for (const row of modalData) { const tr = document.createElement("tr"); // Add the date to the row. const tdDate = document.createElement("td"); tdDate.textContent = row.date; tr.appendChild(tdDate); // Add the rate to the row. const tdRate = document.createElement("td"); tdRate.textContent = row.rate; 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const idKey = "capital-one"; const cdTermLength = document.getElementById(`term-length-${idKey}`); const cdTermLengthModal = document.getElementById(`term-length-modal-${idKey}`); const tableView = document.getElementById(`table-view-${idKey}`); const advertiserNameLegend = document.getElementById(`legend-${idKey}`); const nationalAvgLegend = document.getElementById(`legend-national-avg-${idKey}`); const hrtAccordion = document.getElementById(`hrtAccordion-${idKey}`); let productRatesChangeEventExecuted = false; let nationalAvgChangeEventExecuted = false; const isSixMonthsOfData = (rates) => { const SECONDS_PER_MONTH = 2629746 if (rates?.length < 2) return false; const firstDataPointSeconds = rates[0].timestamp / 1000; const lastDataPointSeconds = rates[rates.length - 1].timestamp / 1000; const totalSeconds = lastDataPointSeconds - firstDataPointSeconds; const months = totalSeconds / SECONDS_PER_MONTH; return months >= 6; } const loadChart = () => { if (productType === 'cd') { // Filter out rates that don't have six months of data const filteredProductRates = {}; for (const [term, productRates] of Object.entries(feeds.product_rates)) { const hasSixMonths = isSixMonthsOfData(productRates); filteredProductRates[term] = hasSixMonths ? productRates : []; } // If six months of data is unavailable for every term, hide the chart and display updated content const hideChart = Object.values(filteredProductRates).every(arr => arr.length === 0); if (hideChart) { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = "We appreciate your patience as we continue to collect rates information for " + feeds .advertiser_name + ". Check back again soon."; return; } // Remove term options from the select drop down when insufficient data is available for (const [term, productRates] of Object.entries(feeds.product_rates)) { if (!filteredProductRates[term].length && cdTermLength !== null && cdTermLengthModal !== null) { const optionToRemove = cdTermLength.querySelector(`option[value="${term}"]`); const modalOptionToRemove = cdTermLengthModal.querySelector(`option[value="${term}"]`); optionToRemove?.remove(); modalOptionToRemove?.remove(); // Remove objects from filteredProductRates where the term has insufficient data delete filteredProductRates[term]; } } updateTable(); const defaultTerm = 6; // Set filteredDefaultTerm to the shortest term with sufficient data if the defaultTerm has insufficient data const filteredDefaultTerm = filteredProductRates.hasOwnProperty(defaultTerm) ? defaultTerm : Object.keys(filteredProductRates)[0]; let key; if (event.type === 'load') { key = filteredDefaultTerm; if (cdTermLength !== null) cdTermLength.value = key; } else { if (cdTermLength !== null && cdTermLengthModal !== null) { key = parseInt(cdTermLength.value); cdTermLengthModal.value = cdTermLength.value; } } const filteredNatAverageRates = {}; for (const [term, natAvgRates] of Object.entries(feeds.national_avg)) { const hasSixMonths = isSixMonthsOfData(natAvgRates); filteredNatAverageRates[term] = hasSixMonths ? natAvgRates : [] } // Code for national avg change event if (!nationalAvgChangeEventExecuted && !filteredNatAverageRates[key].length) { var notAvailableDiv = document.createElement('div'); notAvailableDiv.className = 'type-body-one text-black pl-1'; notAvailableDiv.textContent = '(No data available)'; nationalAvgLegend.appendChild(notAvailableDiv); nationalAvgChangeEventExecuted = true; } else if (nationalAvgChangeEventExecuted && filteredNatAverageRates[key].length) { nationalAvgLegend.removeChild(nationalAvgLegend.lastChild); nationalAvgChangeEventExecuted = false; } let parseCDfeeds = { 'advertiser_name': feeds.advertiser_name, 'product_rates': filteredProductRates[key], 'national_avg': filteredNatAverageRates[key], }; window.renderChart(parseCDfeeds, idKey); } else { const hasEnoughData = isSixMonthsOfData(feeds.product_rates); const feedsToShow = hasEnoughData ? feeds : { ...feeds, product_rates: [], }; if (hasEnoughData) { window.renderChart(feedsToShow, idKey); } else { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = `We appreciate your patience as we continue to collect rates information for ${feeds.advertiser_name}. Check back again soon.`; return; } } } window.addEventListener("load", loadChart); if (cdTermLength !== null) { cdTermLength.addEventListener("change", loadChart); } if (cdTermLengthModal !== null) { cdTermLengthModal.addEventListener("change", loadChart); } const updateTable = () => { let key = parseInt(cdTermLength.value); const uniqueTbody = document.getElementById(`unique-tbody-${idKey}`); if (event.target === cdTermLengthModal) { cdTermLength.value = cdTermLengthModal.value; key = cdTermLengthModal.value; } const modalData = tableData[key]; // Remove all the existing rows. while (uniqueTbody.firstChild) { uniqueTbody.removeChild(uniqueTbody.firstChild); } // Append the new rows. for (const row of modalData) { const tr = document.createElement("tr"); // Add the date to the row. const tdDate = document.createElement("td"); tdDate.textContent = row.date; tr.appendChild(tdDate); // Add the rate to the row. const tdRate = document.createElement("td"); tdRate.textContent = row.rate; tr.appendChild(tdRate); // Add the avg to the row. const tdAvg = document.createElement("td"); tdAvg.textContent = row.avg; tr.appendChild(tdAvg); // Append the row to the tbody. uniqueTbody.appendChild(tr); } } if (tableView !== null && cdTermLength !== null && cdTermLengthModal !== null) { tableView.addEventListener("click", updateTable); } }; document.addEventListener('alpine:initialized', () => { initializeHRTChart(); }); </script> <script type="module"> function initializeHRTChart() { const productType = "cd"; const feeds = {"advertiser_name":"BMO 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const tableData = 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const idKey = "bmo-alto"; const cdTermLength = document.getElementById(`term-length-${idKey}`); const cdTermLengthModal = document.getElementById(`term-length-modal-${idKey}`); const tableView = document.getElementById(`table-view-${idKey}`); const advertiserNameLegend = document.getElementById(`legend-${idKey}`); const nationalAvgLegend = document.getElementById(`legend-national-avg-${idKey}`); const hrtAccordion = document.getElementById(`hrtAccordion-${idKey}`); let productRatesChangeEventExecuted = false; let nationalAvgChangeEventExecuted = false; const isSixMonthsOfData = (rates) => { const SECONDS_PER_MONTH = 2629746 if (rates?.length < 2) return false; const firstDataPointSeconds = rates[0].timestamp / 1000; const lastDataPointSeconds = rates[rates.length - 1].timestamp / 1000; const totalSeconds = lastDataPointSeconds - firstDataPointSeconds; const months = totalSeconds / SECONDS_PER_MONTH; return months >= 6; } const loadChart = () => { if (productType === 'cd') { // Filter out rates that don't have six months of data const filteredProductRates = {}; for (const [term, productRates] of Object.entries(feeds.product_rates)) { const hasSixMonths = isSixMonthsOfData(productRates); filteredProductRates[term] = hasSixMonths ? productRates : []; } // If six months of data is unavailable for every term, hide the chart and display updated content const hideChart = Object.values(filteredProductRates).every(arr => arr.length === 0); if (hideChart) { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = "We appreciate your patience as we continue to collect rates information for " + feeds .advertiser_name + ". Check back again soon."; return; } // Remove term options from the select drop down when insufficient data is available for (const [term, productRates] of Object.entries(feeds.product_rates)) { if (!filteredProductRates[term].length && cdTermLength !== null && cdTermLengthModal !== null) { const optionToRemove = cdTermLength.querySelector(`option[value="${term}"]`); const modalOptionToRemove = cdTermLengthModal.querySelector(`option[value="${term}"]`); optionToRemove?.remove(); modalOptionToRemove?.remove(); // Remove objects from filteredProductRates where the term has insufficient data delete filteredProductRates[term]; } } updateTable(); const defaultTerm = 6; // Set filteredDefaultTerm to the shortest term with sufficient data if the defaultTerm has insufficient data const filteredDefaultTerm = filteredProductRates.hasOwnProperty(defaultTerm) ? defaultTerm : Object.keys(filteredProductRates)[0]; let key; if (event.type === 'load') { key = filteredDefaultTerm; if (cdTermLength !== null) cdTermLength.value = key; } else { if (cdTermLength !== null && cdTermLengthModal !== null) { key = parseInt(cdTermLength.value); cdTermLengthModal.value = cdTermLength.value; } } const filteredNatAverageRates = {}; for (const [term, natAvgRates] of Object.entries(feeds.national_avg)) { const hasSixMonths = isSixMonthsOfData(natAvgRates); filteredNatAverageRates[term] = hasSixMonths ? natAvgRates : [] } // Code for national avg change event if (!nationalAvgChangeEventExecuted && !filteredNatAverageRates[key].length) { var notAvailableDiv = document.createElement('div'); notAvailableDiv.className = 'type-body-one text-black pl-1'; notAvailableDiv.textContent = '(No data available)'; nationalAvgLegend.appendChild(notAvailableDiv); nationalAvgChangeEventExecuted = true; } else if (nationalAvgChangeEventExecuted && filteredNatAverageRates[key].length) { nationalAvgLegend.removeChild(nationalAvgLegend.lastChild); nationalAvgChangeEventExecuted = false; } let parseCDfeeds = { 'advertiser_name': feeds.advertiser_name, 'product_rates': filteredProductRates[key], 'national_avg': filteredNatAverageRates[key], }; window.renderChart(parseCDfeeds, idKey); } else { const hasEnoughData = isSixMonthsOfData(feeds.product_rates); const feedsToShow = hasEnoughData ? feeds : { ...feeds, product_rates: [], }; if (hasEnoughData) { window.renderChart(feedsToShow, idKey); } else { const accordionContent = hrtAccordion.previousElementSibling; hrtAccordion.style.display = "none"; accordionContent.textContent = `We appreciate your patience as we continue to collect rates information for ${feeds.advertiser_name}. Check back again soon.`; return; } } } window.addEventListener("load", loadChart); if (cdTermLength !== null) { cdTermLength.addEventListener("change", loadChart); } if (cdTermLengthModal !== null) { cdTermLengthModal.addEventListener("change", loadChart); } const updateTable = () => { let key = parseInt(cdTermLength.value); const uniqueTbody = document.getElementById(`unique-tbody-${idKey}`); if (event.target === cdTermLengthModal) { cdTermLength.value = cdTermLengthModal.value; key = cdTermLengthModal.value; } const modalData = tableData[key]; // Remove all the existing rows. while (uniqueTbody.firstChild) { uniqueTbody.removeChild(uniqueTbody.firstChild); } // Append the new rows. for (const row of modalData) { const tr = document.createElement("tr"); // Add the date to the row. const tdDate = document.createElement("td"); tdDate.textContent = row.date; tr.appendChild(tdDate); // Add the rate to the row. const tdRate = document.createElement("td"); tdRate.textContent = row.rate; tr.appendChild(tdRate); // Add the avg to the row. const tdAvg = document.createElement("td"); tdAvg.textContent = row.avg; tr.appendChild(tdAvg); // Append the row to the tbody. uniqueTbody.appendChild(tr); } } if (tableView !== null && cdTermLength !== null && cdTermLengthModal !== null) { tableView.addEventListener("click", updateTable); } }; document.addEventListener('alpine:initialized', () => { initializeHRTChart(); }); </script> <script async> setTimeout( () => callMonarch('18b02819-56c9-4af5-8780-faf726c1ba86', '6a07f528-a8bd-46d0-964e-ae1d6f1949b7', 'preamp-footer-placement'), +0) </script> <script async> setTimeout( () => callMonarch('18b02819-56c9-4af5-8780-faf726c1ba86', 'b0efcaed-9cbc-44d7-86f3-3d37d27484b1', 'preamp-footer-placement'), +0) </script> <script src="/ext/cdn.cookielaw.org/scripttemplates/otSDKStub.js" type="text/javascript" charset="UTF-8" data-domain-script="09034832-9ea3-4f44-82ce-803550818ae2" defer="defer"></script> <script type="text/javascript"> function OptanonWrapper() {} </script> </body> </html>