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Banking Tips & Resources | The Motley Fool
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.author-hover-bio{position:absolute;cursor:auto;background:#fff;padding:1.2rem;max-width:100vw;min-width:300px;display:none}.author-wrap.author-hover .author-hover-bio .author-bio-content{padding:12px}.author-wrap.author-hover .author-hover-bio a{color:#35B2D6!important}.author-wrap.author-hover .author-hover-bio a:hover{color:#0095C8!important}.author-wrap.author-hover .author-hover-bio .author-bio-description{color:#53565A;letter-spacing:2.2px;font-size:1.4rem;line-height:1.8rem;font-weight:700}.author-wrap.author-hover .author-hover-bio .authors__social{margin:2.4rem 0 0;display:flex;justify-content:flex-start}.author-wrap.author-hover .author-hover-bio .authors__social .social-icon{height:1.6rem;width:1.6rem;margin-right:1.2rem}.author-wrap.author-hover .author-bio-name{display:flex;flex-direction:row;align-items:start}.author-wrap.author-hover .author-bio-name.author-wrapper-fact-checker{flex-direction:row}.author-wrap.author-hover .mobile-link-disable .text-normal{color:#1c1d20}.soc-share{display:inline-block}.soc-share svg circle{fill:#006BA6}.soc-share .soc-fb:hover svg circle{fill:#3B5998}.soc-share .soc-email:hover svg circle{fill:#AC145A}.soc-share .soc-li:hover svg circle{fill:#0077B5}.soc-share .soc-twit:hover svg circle{fill:#1DA1F2}.soc-share .soc-copy:hover svg circle{fill:#FFB81C}.soc-share .soc-icon{display:inline-block;position:relative;top:1rem;margin:0 .25rem}.soc-share .soc-icon:hover{transform:rotate(-10deg) scale(1.3)}p.soc-share__title{color:#8A8C8E;display:inline-block;font-size:1.2rem;font-weight:700;line-height:1.4rem;padding-right:1rem;text-transform:uppercase}.nav-disc.socLinks{padding:1.6rem 0 2.4rem}@media (min-width:768px){.nav-disc.socLinks{padding:3.6rem 0 3rem}}.faq__expand-icon{background:url("https://g.foolcdn.com/static/affiliates/project/images/icons/accordion_plus.svg?dcbd768875d0") no-repeat center center;height:18px;position:absolute;right:2px;top:2.2rem;transition:all ease-in-out 100ms;width:18px}.block-qa_list_no_schema .faq__expand-icon{top:inherit;bottom:1.2rem}.faq__question-container{padding-bottom:0;position:relative;transition:padding-bottom 100ms ease-in-out 100ms;width:100%;background:none;border:0;text-align:left}.faq__list{position:relative;margin-top:0;padding-left:0}.faq__list-item{border-bottom:1px solid #CACBCB;list-style:none;padding:.4rem 0;transition:border 0.3s ease}.faq__list-item:first-child{border-top:1px solid #CACBCB}.faq__list-item:hover{cursor:pointer}@media (min-width:992px){.faq__list-item.accordion--active .faq__expand-icon,.faq__list-item[expanded] .faq__expand-icon{background:url("https://g.foolcdn.com/static/affiliates/project/images/icons/accordion_minus.svg?535fe9c8ad45") no-repeat center center;transition:all 100ms ease-in-out}.faq__list-item.accordion--active .faq__question-container,.faq__list-item[expanded] .faq__question-container{padding-bottom:14px;transition:padding-bottom 100ms ease-in-out 100ms}}@media (max-width:991px){.faq__list-item.accordion--active--mobile .faq__expand-icon,.faq__list-item[expanded] .faq__expand-icon{background:url("https://g.foolcdn.com/static/affiliates/project/images/icons/accordion_minus.svg?535fe9c8ad45") no-repeat center center;transition:all 100ms ease-in-out}.faq__list-item.accordion--active--mobile .faq__question-container,.faq__list-item[expanded] .faq__question-container{padding-bottom:14px;transition:padding-bottom 100ms ease-in-out 100ms}}.faq__list-item--accordion{border:0!important}.faq__list-item--accordion .faq__expand-icon{margin-top:24px}.faq__list-item--accordion .faq__question-container{padding-bottom:0!important}.faq__title,h2.faq__title{font-size:3.8rem;line-height:4.2rem;text-align:left;margin:0 0 2.4rem;padding:0}.faq__link,a.faq__link{color:#1c1d20;display:inline-block;line-height:2.8rem;position:relative;padding:0;margin:1.8rem 3rem 1.8rem 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.general-award_banner{margin-top:12px}}.general-tile__head{color:#53565A;font-size:1.4rem;letter-spacing:0.3px;line-height:16px;text-align:left}@media (max-width:767px){.general-tile__head{padding-top:10px}}@media (min-width:768px){.general-tile__head-wrap{padding:0 0 0 24px;grid-column:2;width:100%}}.general-tile__img-wrap{height:auto;margin:0 auto;max-height:177px;width:100%;border:1px solid #CACBCB;text-align:center;vertical-align:middle}@media (min-width:768px){.general-tile__img-wrap{max-width:280px}}.general-tile__title{color:#000;display:block;font-size:2.2rem;font-weight:700;padding-top:10px;line-height:2.6rem;text-transform:none}.general-tile__offer-image{max-width:270px;max-height:170px;padding:10% 0}.nav-searchbar-wrap{background:#EDEEEE;height:86px;position:relative;width:100%}@media (min-width:992px){.nav-searchbar-wrap{z-index:110}}.nav-searchbar-wrap label{height:100%;position:absolute;top:35px;left:12px;font-weight:700;font-size:1.6rem;text-transform:uppercase}@media (min-width:992px){.nav-searchbar-wrap{background:transparent;height:100%;position:static;width:32px;transition:0.4s ease all}.nav-searchbar-wrap label{display:none}}@keyframes grow{0%{width:1px;visibility:hidden}100%{width:75%;visibility:visible}}.nav-searchbar{background:#EDEEEE;height:100%}@media (min-width:992px){.nav-searchbar{transition:all 0.3s ease-in-out;display:inline-block;position:absolute;right:0;top:0;z-index:11;visibility:hidden;width:0}}.nav-search{position:absolute;right:10px;top:50%;transform:translateY(-50%)}@media (min-width:992px){.nav-search{z-index:101}}.mi-search-bar{height:100%;position:relative;width:100%}.mi-search-bar .input{background:transparent;border:0;height:100%;line-height:100%;padding:12px;font-size:16px;width:100%;touch-action:manipulation}@media (min-width:992px){.mi-search-bar .input{display:none}}.mi-search-bar .input--active~label{top:0;transition:0.1s ease top}.mi-search-bar .input:focus{touch-action:manipulation}.searchbar--active .nav-searchbar{overflow:hidden;visibility:visible;width:75%}.searchbar--active .nav-searchbar input{padding:3.2rem 2.4rem}@media (min-width:992px){.searchbar--active .nav-searchbar input{display:inline-block;padding:0 2.4rem}}.searchbar--active .nav-searchbar label{display:inline-block;font-size:1.4rem;text-transform:uppercase;position:absolute;left:0;font-weight:600;padding-left:2.4rem}.items-search{display:flex;flex-direction:row;justify-content:space-between;align-items:center}@media (min-width:1200px){.items-search{flex-grow:5!important}.items-search ul .nav-item{margin:0}.items-search ul .nav-item a{padding:8px 15px}}@media (max-width:1199px){.items-search{flex-direction:column;justify-content:center}.items-search ul .nav-item{margin:0}.items-search ul .nav-item a{padding:8px 10px}}@media (max-width:991px){.items-search{flex-direction:column-reverse;justify-content:center}}@media (max-width:1199px){.items-search .search-bar-main{width:100%}}@media (max-width:991px){.items-search .search-bar-main{padding:40px 30px;width:200px}}@media (max-width:986px){.items-search .search-bar-main{padding:40px 30px;width:auto}}.article .title,.article .navbar-item,.search-item .title,.search-item .navbar-item{font-weight:bold;font-size:18px;text-decoration:underline}.article .description,.search-item .description{font-weight:normal;font-size:16px;text-decoration:none;margin-bottom:20px}.search-results-page-body .subtitle{color:#000;border-bottom:4px solid #008C5D;display:inline-block;margin:1.2rem 0}.search-results-page-body .title{text-decoration:none;margin-bottom:10px}.search-results-page-body .title .fake-link{border-bottom:2px solid #0B3D56;color:#000;line-height:2.6rem}.search-results-page-body .description{margin-bottom:15px}.search-results-page-body .article{border-bottom:2px solid #d9d9d9;margin-bottom:20px}.search-results-page-body .article:hover{border-color:#999}.search-results-page-body .article:hover .fake-link{border-bottom:2px solid 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(min-width:992px){.navigation-link-container{border:0;min-height:auto;opacity:1;position:inherit;transform:none;visibility:visible}}#sidenav{position:absolute;top:calc(var(--header-height) + 10px);left:8vw;width:184px;margin-top:4px;padding:unset}@media (min-width:2400px){#sidenav{left:25%;transform:translateX(-25%)}}@media (min-width:1900px) and (max-width:2400px){#sidenav{left:15%;transform:translateX(-15%)}}@media (max-width:1600px) and (min-width:1200px){#sidenav{height:auto;left:1.25%}}@media (max-width:1355px) and (min-width:1199px){#sidenav{position:relative;top:0;height:auto;left:inherit;width:80%;padding-top:28px}}@media (max-width:1199px) and (min-width:992px){#sidenav{position:relative;top:0;height:auto;left:inherit;width:63%;padding-top:28px}}@media (max-width:992px) and (min-width:768px){#sidenav{position:relative;top:0;height:auto;left:inherit;width:78%;padding-top:28px}}@media 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href="/money/banks/savings-accounts/best-savings-accounts/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt<xt=+link" name=" link" aria-label=" link"> <img class="box-cta__img lazy" src="https://m.foolcdn.com/media/affiliates/documents/icon_savingsAccount_4kA6P1M.svg" alt="icon_savingsAccount icon"/> <div class="box-cta__title">Best High-Yield Savings Accounts</div> </a> <a class="box-cta bs" href="/money/banks/checking-accounts/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt<xt=+link" name=" link" aria-label=" link"> <img class="box-cta__img lazy" src="https://m.foolcdn.com/media/affiliates/documents/icon_checking_uK8MMzr.svg" alt="icon_checking icon"/> <div class="box-cta__title">Best Checking Accounts</div> </a> <a class="box-cta bs" 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resources</h2> <div class="cta-wrap cta-4 mt-5"> <a class="box-cta bs" href="/money/banks/reviews/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt<xt=+link" name=" link" aria-label=" link"> <img class="box-cta__img lazy" src="https://m.foolcdn.com/media/affiliates/documents/awards-black-financial-personal-money_pF32WII.svg" alt="awards-black-financial-personal-money icon"/> <div class="box-cta__title">Bank Reviews</div> </a> <a class="box-cta bs" href="/money/banks/articles/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt<xt=+link" name=" link" aria-label=" link"> <img class="box-cta__img lazy" src="https://m.foolcdn.com/media/affiliates/documents/appointment-scheduling-icon_EfbGxFF.svg" alt="appointment-scheduling-icon icon"/> <div class="box-cta__title">Latest Banking News</div> </a> <a class="box-cta bs" href="/money/banks/guides-tools/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt<xt=+link" name=" link" aria-label=" link"> <img class="box-cta__img lazy" src="https://m.foolcdn.com/media/affiliates/documents/banks_HZwg8bn.svg" alt="banks icon"/> <div class="box-cta__title">All Banking Guides</div> </a> <a class="box-cta bs" href="/money/awards/2025/banking/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt<xt=+link" name=" link" aria-label=" link"> <img class="box-cta__img lazy" src="https://m.foolcdn.com/media/affiliates/documents/icons_rewards_hO4HGN3.svg" alt="icon_rewards icon"/> <div class="box-cta__title">2025 Banking Award Winners</div> </a> </div> </div> <div class="block block-qa_list"> <section class="blk__faq pb-6"> <h2 class="faq__title" id="qa-list-f693b76f-ae77-4c31-b2de-f645bd75af9b">FAQs</h2> <ul class="faq__list"> <li class="faq__list-item accordion"> <button class="faq__question-container accordion__exp" aria-expanded="false" role="button" tabindex="0" aria-label="What is a bank?"> <span class="faq__link head-h4 pr-6">What is a bank?</span> <span class="faq__expand-icon"></span> </button> <div id="faq_1_f693b76f-ae77-4c31-b2de-f645bd75af9b" class="faq__answer-container accordion__child"> <div class="wysiwyg"><p data-block-key="f9po1">A <a href="/money/banks/guides-tools/what-is-bank/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt">bank</a> is an institution where anyone (approved by the bank) can deposit savings and take out loans. Banks are often seen as a convenient and secure way to store money, and some account types also earn interest. Most banks have both online and in-person services.</p></div> </div> </li> <li class="faq__list-item accordion"> <button class="faq__question-container accordion__exp" aria-expanded="false" role="button" tabindex="0" aria-label="What is an online bank?"> <span class="faq__link head-h4 pr-6">What is an online bank?</span> <span class="faq__expand-icon"></span> </button> <div id="faq_2_f693b76f-ae77-4c31-b2de-f645bd75af9b" class="faq__answer-container accordion__child"> <div class="wysiwyg"><p data-block-key="u4oc0">An <a href="/money/banks/guides-tools/online-pros-cons/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt">online bank</a> is a financial institution that takes deposits and makes loans online, without any physical branches.</p></div> </div> </li> <li class="faq__list-item accordion"> <button class="faq__question-container accordion__exp" aria-expanded="false" role="button" tabindex="0" aria-label="What is a credit union?"> <span class="faq__link head-h4 pr-6">What is a credit union?</span> <span class="faq__expand-icon"></span> </button> <div id="faq_3_f693b76f-ae77-4c31-b2de-f645bd75af9b" class="faq__answer-container accordion__child"> <div class="wysiwyg"><p data-block-key="u4oc0">A <a href="/money/banks/credit-union-definition/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt">credit union</a> is a nonprofit financial institution that exists to serve its members. Unlike banks, credit unions are owned and operated by their members, with a focus on providing affordable financial products and services.</p></div> </div> </li> </ul> </section> </div> <div class="block block-global_alts_to_consider"> <h2 id="bank_alts_to_consider">Compare savings rates</h2> <div class="copy-body pb-4"> <p data-block-key="7lapq">Make sure you're getting the best account for you by comparing savings rates and promotions. Here are some of our favorite high-yield savings accounts to consider.</p> </div> <section class="blk__save-tile-sum-list"> <div class="banking-summary-table__wrapper savings-summary-table"> <table class="ta_table banking-summary-table" style="margin-bottom: 0;"> <thead> <tr> <th class="sum-list__header--border">Account</th> <th class="sum-list__header--border">APY</th> <th class="sum-list__header--border">Promotion</th> <th class="sum-list__header--border col--nextsteps">Next Steps</th> </tr> </thead> <tbody> <tr data-states-not-available-in="" > <td class="block-card_tile_summary_list__item"> <div class="account--wrapper"> <a rel="sponsored nofollow" href="/money/banks/savings-accounts/reviews/american-express-personal-savings-review/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=img&lclksec=alts_to_consider&ord=1" target="_blank" data-offer_order="1" data-link_type="img" data-slug="american-express-personal-savings-best--compare" data-action="unmonetized" data-click-section="alts_to_consider" aria-label=""> <div class="comp__logo-wrap"> <img src="https://m.foolcdn.com/media/affiliates/bank-account-art/Amex_Savings_Logo_M7LOxCL_QkyEqaj.png" alt="Logo for American Express® High Yield Savings" class="comp__logo"> </div> </a> <div class="d-xl-none" data-states-not-available-in=""> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/bank-accounts/american-express-personal-savings-best--compare/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=btn&lclksec=alts_to_consider&ord=1<xt=Open+Account+button+for+American+Express%C2%AE+High+Yield+Savings." target="_blank" class="btn--apply-wrap " data-offer_order="1" data-link_type="btn" data-slug="american-express-personal-savings-best--compare" data-click-section="alts_to_consider" aria-label="Open Account button for American Express® High Yield Savings."> <span class="btn btn--apply">Open Account <span class="wag">for American Express® High Yield Savings</span></span> </a> <p class="apply__disclaim copy-sm text-center mt-1">On American Express's Secure Website<span aria-hidden="false" class="wag">.</span> </p> </div> </div> <span class="save__bank-member fs-12 text-gray">Member FDIC.</span> <div class="d-inline-flex offer-stars"> <div class="star-rate card-tile star-rate--inline"> <div class="star-rate__stars-wrapper"> <span aria-hidden="false" class="wag">Rating image, 4.00 out of 5 stars.</span> <span aria-hidden="true" class="star-rate__stars"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star-rate__stars-selected" style="width: 80.00%;"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> </span> </span> </div> <div class="star-rate__copy"> <span>4.00/5</span> <span class="star-rate__info tooltip-parent" aria-describedby="ttip-bank_comparecbb4d0-id--1-desc" tabindex="0"> <span class="info-wrap"><svg width="12px" height="12px" viewBox="0 0 12 12" version="1.1" xmlns="http://www.w3.org/2000/svg" aria-describedby="icon-info-title-1--bank_comparecbb4d0 icon-info-descrip-1-bank_comparecbb4d0" role="img"> <!-- Generator: Sketch 50.2 (55047) - http://www.bohemiancoding.com/sketch --> <desc id="icon-info-descrip-1-bank_comparecbb4d0">Circle with letter I in it.</desc> <defs></defs> <g id="Symbols" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="Component-Card-Collapsed" transform="translate(-799.000000, -47.000000)"> <g id="Group-3" transform="translate(799.000000, 47.000000)"> <g id="Group"> <circle stroke="#9B9B9B" cx="6" cy="6" r="5.5"></circle> <path d="M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z" id="i" fill="#717171"></path> </g> </g> </g> </g> </svg> </span> <span aria-hidden="false" class="wag" id="ttip--1-bank_comparecbb4d0-desc"> Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. </span> <span id="ttip-bank_comparecbb4d0-id--1-desc" class="tooltip" role="tooltip"> <span>We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.<br></span> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Best<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Excellent<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Good<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Fair<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Poor<br> <span class="tooltip-arrow"></span> </span> </span> </div> </div> </div> </div> </td> <td class="block-bank_tile_summary_list__item"> <div class="fs-16">3.90%</div> <span class="tooltip-parent" tabindex="0" aria-describedby="ttip-bank-comp-apy-tip-id--1-desc"> <span class="info-wrap"> Rate info <svg width="12px" height="12px" viewBox="0 0 12 12" version="1.1" xmlns="http://www.w3.org/2000/svg" aria-describedby="icon-info-title-1--bank-comp-apy-tip icon-info-descrip-1-bank-comp-apy-tip" role="img"> <!-- Generator: Sketch 50.2 (55047) - http://www.bohemiancoding.com/sketch --> <desc id="icon-info-descrip-1-bank-comp-apy-tip">Circle with letter I in it.</desc> <defs></defs> <g id="Symbols" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="Component-Card-Collapsed" transform="translate(-799.000000, -47.000000)"> <g id="Group-3" transform="translate(799.000000, 47.000000)"> <g id="Group"> <circle stroke="#9B9B9B" cx="6" cy="6" r="5.5"></circle> <path d="M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z" id="i" fill="#717171"></path> </g> </g> </g> </g> </svg> </span> <span id="ttip-bank-comp-apy-tip-id--1-desc" class="tooltip" role="tooltip"> 3.90% annual percentage yield as of November 27, 2024. Terms apply. <span class="tooltip-arrow"></span> </span> </span> <div class="fs-16 mt-4"><span class="fw-600 mt-3">Min. to earn: </span>$0</div> </td> <td class="block-bank_tile_summary_list__item "> <div class="fs-16"> N/A </div> </td> <td class="block-bank_tile_summary_list__item col--nextsteps"> <div data-states-not-available-in=""> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/bank-accounts/american-express-personal-savings-best--compare/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=btn&lclksec=alts_to_consider&ord=1<xt=Open+Account+button+for+American+Express%C2%AE+High+Yield+Savings." target="_blank" class="btn--apply-wrap " data-offer_order="1" data-link_type="btn" data-slug="american-express-personal-savings-best--compare" data-click-section="alts_to_consider" aria-label="Open Account button for American Express® High Yield Savings."> <span class="btn btn--apply">Open Account <span class="wag">for American Express® High Yield Savings</span></span> </a> <p class="apply__disclaim copy-sm text-center mt-1">On American Express's Secure Website<span aria-hidden="false" class="wag">.</span> </p> </div> </div> </td> </tr> <tr data-states-not-available-in="" > <td class="block-card_tile_summary_list__item"> <div class="account--wrapper"> <a rel="sponsored nofollow" href="/money/banks/savings-accounts/reviews/sofi-checking-and-savings-review/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=img&lclksec=alts_to_consider&ord=2" target="_blank" data-offer_order="2" data-link_type="img" data-slug="sofi-checking-and-savings" data-action="unmonetized" data-click-section="alts_to_consider" aria-label=""> <div class="comp__logo-wrap"> <img src="https://m.foolcdn.com/media/affiliates/original_images/SoFi_Logo.png" alt="Logo for SoFi Checking and Savings" class="comp__logo"> </div> </a> <div class="d-xl-none" data-states-not-available-in=""> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/bank-accounts/sofi-checking-and-savings/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=btn&lclksec=alts_to_consider&ord=2<xt=Open+Account+button+for+SoFi+Checking+and+Savings." target="_blank" class="btn--apply-wrap " data-offer_order="2" data-link_type="btn" data-slug="sofi-checking-and-savings" data-click-section="alts_to_consider" aria-label="Open Account button for SoFi Checking and Savings."> <span class="btn btn--apply">Open Account <span class="wag">for SoFi Checking and Savings</span></span> </a> <p class="apply__disclaim copy-sm text-center mt-1">On SoFi's Secure Website<span aria-hidden="false" class="wag">.</span> </p> </div> </div> <span class="save__bank-member fs-12 text-gray">Member FDIC.</span> <div class="d-inline-flex offer-stars"> <div class="star-rate card-tile star-rate--inline"> <div class="star-rate__stars-wrapper"> <span aria-hidden="false" class="wag">Rating image, 4.50 out of 5 stars.</span> <span aria-hidden="true" class="star-rate__stars"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star-rate__stars-selected" style="width: 90.00%;"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> </span> </span> </div> <div class="star-rate__copy"> <span>4.50/5</span> <span class="star-rate__info tooltip-parent" aria-describedby="ttip-bank_comparea9bcff-id--2-desc" tabindex="0"> <span class="info-wrap"><svg width="12px" height="12px" viewBox="0 0 12 12" version="1.1" xmlns="http://www.w3.org/2000/svg" aria-describedby="icon-info-title-2--bank_comparea9bcff icon-info-descrip-2-bank_comparea9bcff" role="img"> <!-- Generator: Sketch 50.2 (55047) - http://www.bohemiancoding.com/sketch --> <desc id="icon-info-descrip-2-bank_comparea9bcff">Circle with letter I in it.</desc> <defs></defs> <g id="Symbols" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="Component-Card-Collapsed" transform="translate(-799.000000, -47.000000)"> <g id="Group-3" transform="translate(799.000000, 47.000000)"> <g id="Group"> <circle stroke="#9B9B9B" cx="6" cy="6" r="5.5"></circle> <path d="M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z" id="i" fill="#717171"></path> </g> </g> </g> </g> </svg> </span> <span aria-hidden="false" class="wag" id="ttip--2-bank_comparea9bcff-desc"> Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. </span> <span id="ttip-bank_comparea9bcff-id--2-desc" class="tooltip" role="tooltip"> <span>We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.<br></span> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Best<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Excellent<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Good<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Fair<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Poor<br> <span class="tooltip-arrow"></span> </span> </span> </div> </div> </div> </div> </td> <td class="block-bank_tile_summary_list__item"> <div class="fs-16">up to 4.20%²</div> <span class="tooltip-parent" tabindex="0" aria-describedby="ttip-bank-comp-apy-tip-id--2-desc"> <span class="info-wrap"> Rate info <svg width="12px" height="12px" viewBox="0 0 12 12" version="1.1" xmlns="http://www.w3.org/2000/svg" aria-describedby="icon-info-title-2--bank-comp-apy-tip icon-info-descrip-2-bank-comp-apy-tip" role="img"> <!-- Generator: Sketch 50.2 (55047) - http://www.bohemiancoding.com/sketch --> <desc id="icon-info-descrip-2-bank-comp-apy-tip">Circle with letter I in it.</desc> <defs></defs> <g id="Symbols" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="Component-Card-Collapsed" transform="translate(-799.000000, -47.000000)"> <g id="Group-3" transform="translate(799.000000, 47.000000)"> <g id="Group"> <circle stroke="#9B9B9B" cx="6" cy="6" r="5.5"></circle> <path d="M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z" id="i" fill="#717171"></path> </g> </g> </g> </g> </svg> </span> <span id="ttip-bank-comp-apy-tip-id--2-desc" class="tooltip" role="tooltip"> You can earn the maximum APY by having Direct Deposit (no minimum amount required) or by making $5,000 or more in Qualifying Deposits every 30 days. See SoFi Checking and Savings rate sheet at: https://www.sofi.com/legal/banking-rate-sheet. <span class="tooltip-arrow"></span> </span> </span> <div class="fs-16 mt-4"><span class="fw-600 mt-3">Min. to earn: </span>$0</div> </td> <td class="block-bank_tile_summary_list__item "> <div class="fs-16"> New customers can earn up to a $300 bonus with qualifying direct deposits!¹ </div> </td> <td class="block-bank_tile_summary_list__item col--nextsteps"> <div data-states-not-available-in=""> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/bank-accounts/sofi-checking-and-savings/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=btn&lclksec=alts_to_consider&ord=2<xt=Open+Account+button+for+SoFi+Checking+and+Savings." target="_blank" class="btn--apply-wrap " data-offer_order="2" data-link_type="btn" data-slug="sofi-checking-and-savings" data-click-section="alts_to_consider" aria-label="Open Account button for SoFi Checking and Savings."> <span class="btn btn--apply">Open Account <span class="wag">for SoFi Checking and Savings</span></span> </a> <p class="apply__disclaim copy-sm text-center mt-1">On SoFi's Secure Website<span aria-hidden="false" class="wag">.</span> </p> </div> </div> </td> </tr> <tr data-states-not-available-in="" > <td class="block-card_tile_summary_list__item"> <div class="account--wrapper"> <a rel="sponsored nofollow" href="/money/banks/savings-accounts/reviews/capital-one-360-performance-savings-review/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=img&lclksec=alts_to_consider&ord=3" target="_blank" data-offer_order="3" data-link_type="img" data-slug="capital-one-360-performance-savings-evergreen-alts" data-action="unmonetized" data-click-section="alts_to_consider" aria-label=""> <div class="comp__logo-wrap"> <img src="https://m.foolcdn.com/media/affiliates/original_images/_Web-C1_Core_RGB_fCxVPXH.png" alt="Logo for Capital One 360 Performance Savings" class="comp__logo"> </div> </a> <div class="d-xl-none" data-states-not-available-in=""> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/bank-accounts/capital-one-360-performance-savings-evergreen-alts/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=btn&lclksec=alts_to_consider&ord=3<xt=Open+Account+button+for+Capital+One+360+Performance+Savings." target="_blank" class="btn--apply-wrap " data-offer_order="3" data-link_type="btn" data-slug="capital-one-360-performance-savings-evergreen-alts" data-click-section="alts_to_consider" aria-label="Open Account button for Capital One 360 Performance Savings."> <span class="btn btn--apply">Open Account <span class="wag">for Capital One 360 Performance Savings</span></span> </a> <p class="apply__disclaim copy-sm text-center mt-1">On Capital One's Secure Website<span aria-hidden="false" class="wag">.</span> </p> </div> </div> <span class="save__bank-member fs-12 text-gray">Member FDIC.</span> <div class="d-inline-flex offer-stars"> <div class="star-rate card-tile star-rate--inline"> <div class="star-rate__stars-wrapper"> <span aria-hidden="false" class="wag">Rating image, 4.50 out of 5 stars.</span> <span aria-hidden="true" class="star-rate__stars"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon--gray.svg" alt="" height="23" width="20"></span> <span class="star-rate__stars-selected" style="width: 90.00%;"> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> <span class="star"><img src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"></span> </span> </span> </div> <div class="star-rate__copy"> <span>4.50/5</span> <span class="star-rate__info tooltip-parent" aria-describedby="ttip-bank_compare2ef0f2-id--3-desc" tabindex="0"> <span class="info-wrap"><svg width="12px" height="12px" viewBox="0 0 12 12" version="1.1" xmlns="http://www.w3.org/2000/svg" aria-describedby="icon-info-title-3--bank_compare2ef0f2 icon-info-descrip-3-bank_compare2ef0f2" role="img"> <!-- Generator: Sketch 50.2 (55047) - http://www.bohemiancoding.com/sketch --> <desc id="icon-info-descrip-3-bank_compare2ef0f2">Circle with letter I in it.</desc> <defs></defs> <g id="Symbols" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="Component-Card-Collapsed" transform="translate(-799.000000, -47.000000)"> <g id="Group-3" transform="translate(799.000000, 47.000000)"> <g id="Group"> <circle stroke="#9B9B9B" cx="6" cy="6" r="5.5"></circle> <path d="M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z" id="i" fill="#717171"></path> </g> </g> </g> </g> </svg> </span> <span aria-hidden="false" class="wag" id="ttip--3-bank_compare2ef0f2-desc"> Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. </span> <span id="ttip-bank_compare2ef0f2-id--3-desc" class="tooltip" role="tooltip"> <span>We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.<br></span> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Best<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Excellent<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Good<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Fair<br> <img class="lazy" data-src="https://g.foolcdn.com/static/affiliates/project/images/star_icon.svg" alt="" height="23" width="20"> = Poor<br> <span class="tooltip-arrow"></span> </span> </span> </div> </div> </div> </div> </td> <td class="block-bank_tile_summary_list__item"> <div class="fs-16">3.90%</div> <span class="tooltip-parent" tabindex="0" aria-describedby="ttip-bank-comp-apy-tip-id--3-desc"> <span class="info-wrap"> Rate info <svg width="12px" height="12px" viewBox="0 0 12 12" version="1.1" xmlns="http://www.w3.org/2000/svg" aria-describedby="icon-info-title-3--bank-comp-apy-tip icon-info-descrip-3-bank-comp-apy-tip" role="img"> <!-- Generator: Sketch 50.2 (55047) - http://www.bohemiancoding.com/sketch --> <desc id="icon-info-descrip-3-bank-comp-apy-tip">Circle with letter I in it.</desc> <defs></defs> <g id="Symbols" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <g id="Component-Card-Collapsed" transform="translate(-799.000000, -47.000000)"> <g id="Group-3" transform="translate(799.000000, 47.000000)"> <g id="Group"> <circle stroke="#9B9B9B" cx="6" cy="6" r="5.5"></circle> <path d="M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z" id="i" fill="#717171"></path> </g> </g> </g> </g> </svg> </span> <span id="ttip-bank-comp-apy-tip-id--3-desc" class="tooltip" role="tooltip"> See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Nov. 21, 2024. Rates are subject to change at any time before or after account opening. <span class="tooltip-arrow"></span> </span> </span> <div class="fs-16 mt-4"><span class="fw-600 mt-3">Min. to earn: </span>$0</div> </td> <td class="block-bank_tile_summary_list__item "> <div class="fs-16"> N/A </div> </td> <td class="block-bank_tile_summary_list__item col--nextsteps"> <div data-states-not-available-in=""> <div class="btn-wrap"> <a rel="sponsored noopener nofollow" href="/money/offers/bank-accounts/capital-one-360-performance-savings-evergreen-alts/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=btn&lclksec=alts_to_consider&ord=3<xt=Open+Account+button+for+Capital+One+360+Performance+Savings." target="_blank" class="btn--apply-wrap " data-offer_order="3" data-link_type="btn" data-slug="capital-one-360-performance-savings-evergreen-alts" data-click-section="alts_to_consider" aria-label="Open Account button for 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Read on to see why it's worth the effort.</div> </div> </div> </div> <div class="article-landing-article-wrapper"> <div class="row"> <div class="col-12 col-md-4 img-wrap"> <a href="/money/banks/articles/will-savings-accounts-still-be-worth-it-in-2025-heres-a-clear-answer/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt"> <img class="lazy" alt="A man standing at the counter in his sunny kitchen and typing on his laptop." data-srcset="https://m.foolcdn.com/media/affiliates/original_images/man_on_laptop_in_kitchen_7CWS6ll.jpg?width=300 1x, https://m.foolcdn.com/media/affiliates/original_images/man_on_laptop_in_kitchen_7CWS6ll.jpg?width=600 2x" width=300 height=197> </a> </div> <div class="col-12 col-md-8 article-landing-article-copy"> <div>Nov. 24, 2024 | By <a href="/money/authors/profile/maurie-backman/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt">Maurie Backman</a></div> <h3 class="title"><a href="/money/banks/articles/will-savings-accounts-still-be-worth-it-in-2025-heres-a-clear-answer/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt">Will Savings Accounts Still Be Worth It in 2025? Here's a Clear Answer</a></h3> <div class="copy-body">Savings account rates are expected to fall. Read on to see if it'll make sense to keep money in a savings account in the new year.</div> </div> </div> </div> <div class="article-landing-article-wrapper"> <div class="row"> <div class="col-12 col-md-4 img-wrap"> <a href="/money/banks/articles/heres-what-will-happen-if-you-put-5000-in-a-6-month-cd-today/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt"> <img class="lazy" alt="Two young adults wearing loungewear use their devices and a pad of paper to discuss finances." data-srcset="https://m.foolcdn.com/media/affiliates/original_images/GettyImages-1092703746_bMcXIuR.jpg?width=300 1x, https://m.foolcdn.com/media/affiliates/original_images/GettyImages-1092703746_bMcXIuR.jpg?width=600 2x" width=300 height=197> </a> </div> <div class="col-12 col-md-8 article-landing-article-copy"> <div>Nov. 24, 2024 | By <a href="/money/authors/profile/kristi-waterworth/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt">Kristi Waterworth</a></div> <h3 class="title"><a href="/money/banks/articles/heres-what-will-happen-if-you-put-5000-in-a-6-month-cd-today/?luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt">Here's What Will Happen if You Put $5,000 in a 6-Month CD Today</a></h3> <div class="copy-body">It's a surefire way to guarantee a steady interest return, even when interest rates are dropping across the board. Read on to learn more.</div> </div> </div> </div> <script type="application/ld+json"> { "@context":"https://schema.org", "@type":"ItemList", "itemListElement":[ ] } </script> </section> </div> </div> <!-- End of Page Promobox --> <div class="art__pitch wysiwyg copy-body" data-pitch-placement="mfm_promobox" data-nosnippet></div> <!-- Social Share Bottom section --> <div class="row"> <div class="block pb-3"> <div class="bt pt-3"></div> <div class="soc-share pb-3"> <span class="head-h6 uppercase">Share This Page <div class="soc-share"> <div class="soc-icon facebook-this"> <a class="soc__link soc-fb" rel="noopener" aria-label="Share article on facebook." href="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.fool.com%2Fmoney%2Fbanks%2F%3Futm_term%3Dsocial_share&luri=%2Fbanks%2F&furi=%2Fmortgages%2Freviews%2F&fuuid=5a520603-6e0d-4b6f-b86e-c00f6a3b77ea&luuid=1b0cdc8c-d0c8-40bb-9140-af631f857d2b<yp=txt&ord=+2+<xt=Share+article+on+facebook." data-track-link="banks" 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