CINXE.COM
The 10 best CD rates for November 2024: earn up to 5% | Fortune Recommends
<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width"/><title>The 10 best CD rates for November 2024: earn up to 5% | Fortune Recommends</title><meta name="msapplication-TileColor" content="#ffc40d"/><meta name="theme-color" content="#FFFFFF"/><meta name="description" content="Don’t sleep on these great CD rates—many CDs yield nearly 5% APY. See which CDs made the cut."/><meta name="keywords" content=""/><meta property="og:url" content="https://fortune.com/recommends/banking/the-best-cd-rates/"/><meta property="og:type" content="article"/><meta property="og:title" content="Want a risk-free investment that earns up to 5% a year? Try these CDs."/><meta property="og:description" content="These CDs are FDIC-insured, so you can earn a hefty amount of interest while keeping your money safe."/><meta property="og:site_name" content="Fortune Recommends"/><meta property="og:image" content="https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?resize=1200,600"/><meta property="og:width" content="1024"/><meta property="og:height" content="683"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="Want a risk-free investment that earns up to 5% a year? Try these CDs."/><meta name="twitter:description" content="These CDs are FDIC-insured, so you can earn a hefty amount of interest while keeping your money safe."/><meta name="twitter:image" content="https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?resize=1200,600"/><meta name="twitter:url" content="https://fortune.com/recommends/banking/the-best-cd-rates/"/><meta property="fb:pages" content="56501027948"/><meta name="robots" content="max-image-preview:large"/><link rel="preconnect" href="https://www.google-analytics.com" crossorigin=""/><link rel="preconnect" href="https://www.googletagservices.com" crossorigin=""/><link rel="preconnect" href="https://ad.doubleclick.net" crossorigin=""/><link rel="preconnect" href="https://static.doubleclick.net" crossorigin=""/><link rel="preconnect" href="https://securepubads.g.doubleclick.net" crossorigin=""/><link rel="icon" href="/icons/favicons/favicon.ico"/><link rel="canonical" href="https://fortune.com/recommends/banking/the-best-cd-rates/"/><link rel="preload" href="https://fortune.com/fonts/GraphikCondensed-Regular-Web.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preconnect" href="https://static.myfinance.com" crossorigin=""/><link rel="alternate" type="application/rss+xml" title="Fortune RSS" href="https://fortune.com/feed/fortune-feeds/?id=3656532"/><script id="faq-json-schema" type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Right now, Quontic, Bask Bank, and Citibank are offering the highest APYs on their 3-month CDs. For savers looking for longer term lengths, Colorado Federal Savings Bank and First National Bank of America are offering high APYs on their 1-year term lengths, at 4.50% and 4.52%, respectively.\n\nQuontic Bank 4.95% on a 3-month CD\nBask Bank 4.90% on a 3-month CD\nCitibank 0.05% on a 3-month CD\nUMB Bank 0.05% on a 3-month CD"},"name":"Who is paying the highest CD rates right now?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"A CD may be the best banking choice for you if you are saving for a long-term goal with a specific timeline in mind. To avoid early withdrawal penalties or potentially forfeiting any interest earned on the funds in your CD, you want to be sure that you won't need access to your money before your CD's maturity date."},"name":"In which situation would a certificate of deposit (CD) be the best banking choice?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"When you invest in a CD, you typically deposit one lump sum and then leave it alone until the account reaches maturity. However, some financial institutions offer special types of \"add-on\" CDs that allow you to deposit additional funds after the initial deposit. The amount and frequency of deposits you're allowed to make depend on the particular account."},"name":"Can you add money to a CD?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Banks and credit unions update current CD rates based on market conditions. These rates typically receive an update no more frequently than weekly, although some don't do so for months."},"name":"How often do current CD rates change?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"CD rates are the highest they've been in years, but they're starting to fall with the Fed's rate change. So, yes, it's a good time to put your money in a CD, but hurry if you want to lock in your money at a top rate."},"name":"Is now a good time to lock in a CD?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Yes, certificates of deposit are insured by the Federal Deposit Insurance Corp. (FDIC). The FDIC insures all its members’ bank accounts, including savings, money market accounts, and CDs, up to $250,000 per customer per bank. Therefore, in the rare case of a bank failure, your money stays safe. If you take out a CD with a credit union, make sure it’s insured through the National Credit Union Administration (NCUA)—a similar institution to the FDIC that insures credit unions."},"name":"Are CDs FDIC insured?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"If you have $15,000 to lock up for a year in a CD, now could be a good time to do it. CD rates are just starting to drop in response to the fed's hints that it'll lower interest rates at least once this year, so if you've been thinking about a CD, now is the time to act."},"name":"Why should you put $15,000 into a 1 year CD now?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Generally speaking, long-term CDs offer higher interest rates than short-term CDs—think of it as a reward for committing your money for a longer period. However, this is not always the case. When the yield curve inverts, short-term CDs boast higher rates than long-term CDs. Overall, whether it's better to choose a short-term or long-term CD depends on your goals and the current interest rate environment. Learn more about how to invest in CDs in our guide."},"name":"Are short-term or long-term CD rates better?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"CDs can be a good investment when inflation is high, but since interest rates tend to rise and fall with the inflation rate, you might be breaking even when you account for taxes too. For example, when inflation is high, the Federal Reserve will raise interest rates to curb demand and reduce inflation. While you’ll score a higher APY on a CD, the high inflation rate could wipe out most of the returns you get from the CD. Note that since CDs usually offer higher interest rates than checking accounts and traditional savings accounts, CDs can help you better outpace inflation than other deposit accounts. Plus, you can lock in rates with CDs."},"name":"Are CDs good during inflation?"}]}</script><script id="json-schema" type="application/ld+json">[{"@type":"Article","@context":["https://schema.org"],"publisher":{"@type":"Organization","address":{"@type":"PostalAddress","addressCountry":{"@type":"Country","name":"US"},"addressLocality":"New York","addressRegion":"NY","postalCode":"10038","streetAddress":"40 Fulton Street"},"brand":{"@type":"Brand","name":"Fortune"},"founder":{"@type":"Person","name":"Henry Robinson Luce"},"foundingDate":"1929-02","legalName":"Fortune Media (USA) Corporation","logo":{"@type":"ImageObject","url":"https://fortune.com/static/media/logo.png"},"name":"Fortune","publishingPrinciples":"https://fortune.com/about-us/","sameAs":["https://en.wikipedia.org/wiki/Fortune_(magazine)","https://www.facebook.com/FortuneMagazine/","https://www.linkedin.com/company/fortune-magazine/","https://www.instagram.com/fortunemag/","https://www.pinterest.com/fortunemagazine/","https://twitter.com/FortuneMagazine/"],"url":"https://fortune.com/"},"headline":"The 10 best CD rates for November 2024: Earn up to 4.75%","url":"https://fortune.com/recommends/banking/the-best-cd-rates/","mainEntityOfPage":"https://fortune.com/recommends/banking/the-best-cd-rates/","dateModified":"2024-11-26T13:32:04-00:00","datePublished":"2024-05-10T15:24:36-00:00","identifier":3390968,"thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg","image":"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?resize=1200,600","author":[{"@type":"Person","name":"Abigail Rueger","url":"https://fortune.com/author/abigail-rueger/","email":"abigail.rueger@fortune.com","image":"https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=150"}],"keywords":["APY","banks","Best-of","Certificates of Deposit (CDs)","Editor's Picks","no copyright","Rankings and Roundups"],"articleSection":"Banking","description":"Don’t sleep on these great CD rates—many CDs yield nearly 5% APY. See which CDs made the cut."},{"@type":"BreadcrumbList","@context":["https://schema.org"],"itemListElement":[{"@type":"ListItem","item":"https://fortune.comhttps://fortune.com/recommends/personal-finance/","name":"PERSONAL FINANCE","position":1},{"@type":"ListItem","item":"https://fortune.com/recommends/banking/","name":"BANKING","position":2},{"@type":"ListItem","item":null,"name":"THE 10 BEST CD RATES FOR NOVEMBER 2024: EARN UP TO 5%","position":3}]}]</script><script>window.dataLayer = window.dataLayer || []</script><link rel="dns-prefetch" href="https://c.amazon-adsystem.com"/><link rel="preconnect" href="https://c.amazon-adsystem.com" crossorigin=""/><script async="" src="https://c.amazon-adsystem.com/aax2/apstag.js"></script><meta name="next-head-count" content="38"/><link rel="preload" href="/_next/static/media/a63f776f9c0a0ec4-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/media/53119eeb5d808e5d-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/media/f349898cee58fa09-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/media/b0f60f2bca7964f3-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/media/3de697d86e4445fe-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/media/c8771b905e084254-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/media/3a9e61bb4610dfff-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/media/ca1c7ba84c002e81-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/media/dfa93b9e43b68220-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/media/1b1fe1d93189867c-s.p.woff2" as="font" type="font/woff2" crossorigin="anonymous" data-next-font="size-adjust"/><link rel="preload" href="/_next/static/css/1432057f14a52bf9.css" as="style"/><link rel="stylesheet" href="/_next/static/css/1432057f14a52bf9.css" data-n-g=""/><noscript data-n-css=""></noscript><script defer="" nomodule="" src="/_next/static/chunks/polyfills-78c92fac7aa8fdd8.js"></script><script src="/_next/static/chunks/webpack-5e3e77ed2bb02f82.js" defer=""></script><script src="/_next/static/chunks/framework-a3bedcc2fe56ff32.js" defer=""></script><script src="/_next/static/chunks/main-7fb6365813f66d4a.js" defer=""></script><script src="/_next/static/chunks/pages/_app-e6d802d3c2e9189f.js" defer=""></script><script src="/_next/static/chunks/1595-16244d4de4750fc2.js" defer=""></script><script src="/_next/static/chunks/4828-84c225f142db7d87.js" defer=""></script><script src="/_next/static/chunks/5169-dcabc8ec99779dbb.js" defer=""></script><script src="/_next/static/chunks/661-e0630ad04f2115b6.js" defer=""></script><script src="/_next/static/chunks/5552-c9e9fddcd163d243.js" defer=""></script><script src="/_next/static/chunks/pages/recommends/%5Bsection%5D/%5Bslug%5D-62c4cdb37431bc8f.js" defer=""></script><script src="/_next/static/XIuofSGt8HKlbwfEm5C7n/_buildManifest.js" defer=""></script><script src="/_next/static/XIuofSGt8HKlbwfEm5C7n/_ssgManifest.js" defer=""></script><style data-styled="" data-styled-version="6.1.11">.fNikvJ{cursor:pointer;-webkit-text-decoration:none;text-decoration:none;font-family:inherit;color:#666666;font-family:'__saol_40b425','__saol_Fallback_40b425',Times New Roman,Playfair Display,Georgia,Serif;}/*!sc*/ .fNikvJ.link{background-color:transparent;border:0;}/*!sc*/ .fNikvJ.selected{color:#111111;}/*!sc*/ .fNikvJ:hover{color:#007B9D;}/*!sc*/ .fNikvJ:active,.fNikvJ:focus{color:#111111;}/*!sc*/ .caCSpL{cursor:pointer;-webkit-text-decoration:none;text-decoration:none;font-family:inherit;color:#111111;}/*!sc*/ .caCSpL.link{background-color:transparent;border:0;}/*!sc*/ .caCSpL:hover,.caCSpL:hover>*:not(.no-hover),.caCSpL:focus,.caCSpL:focus>*:not(.no-focus){color:#007B9D;-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .caCSpL:active,.caCSpL:active>*:not(.no-active){-webkit-text-decoration:none;text-decoration:none;color:#666666;}/*!sc*/ .fowfrQ{cursor:pointer;-webkit-text-decoration:none;text-decoration:none;font-family:inherit;color:#111111;}/*!sc*/ .fowfrQ.link{background-color:transparent;border:0;}/*!sc*/ .fowfrQ:hover,.fowfrQ:hover>*:not(.no-hover),.fowfrQ:focus,.fowfrQ:focus>*:not(.no-focus){color:#007B9D;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .fowfrQ:active,.fowfrQ:active>*:not(.no-active){color:#666666;}/*!sc*/ .jLLAeN{cursor:pointer;-webkit-text-decoration:none;text-decoration:none;font-family:inherit;color:#008462;}/*!sc*/ .jLLAeN.link{background-color:transparent;border:0;}/*!sc*/ .jLLAeN:hover,.jLLAeN:hover>*:not(.no-hover),.jLLAeN:focus,.jLLAeN:focus>*:not(.no-focus){-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .jLLAeN:active,.jLLAeN:active>*:not(.no-active){color:#666666;}/*!sc*/ .dukcnE{cursor:pointer;-webkit-text-decoration:none;text-decoration:none;font-family:inherit;font-size:16px;display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;gap:4px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;text-align:center;line-height:150%;letter-spacing:0.5px;box-sizing:border-box;color:#008462;background-color:transparent;border:1px solid transparent;position:relative;line-height:120%;}/*!sc*/ .dukcnE.link{background-color:transparent;border:0;}/*!sc*/ .dukcnE::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .dukcnE:hover,.dukcnE:focus{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .dukcnE:focus-visible{border:1px solid #008462;box-shadow:none;outline:none;}/*!sc*/ .dukcnE:active{background-color:#FFFFFF;box-shadow:none;border:1px solid transparent;color:#666666;outline:none;}/*!sc*/ .dukcnE:active::after{border-color:#666666;}/*!sc*/ .dukcnE::after{border-color:#008462;}/*!sc*/ .sNmfm{cursor:pointer;-webkit-text-decoration:none;text-decoration:none;font-family:inherit;color:#111111;}/*!sc*/ .sNmfm.link{background-color:transparent;border:0;}/*!sc*/ .sNmfm:hover{color:#007B9D;}/*!sc*/ .sNmfm:hover img,.sNmfm:hover .img{-webkit-filter:brightness(80%);filter:brightness(80%);}/*!sc*/ .sNmfm:active,.sNmfm:focus{color:#666666;}/*!sc*/ .sNmfm:active img,.sNmfm:focus img,.sNmfm:active .img,.sNmfm:focus .img{-webkit-filter:brightness(70%);filter:brightness(70%);}/*!sc*/ data-styled.g2[id="sc-93594058-0"]{content:"fNikvJ,caCSpL,fowfrQ,jLLAeN,dukcnE,sNmfm,"}/*!sc*/ .KnLDB{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;margin-bottom:24px;-webkit-order:1;-ms-flex-order:1;order:1;}/*!sc*/ .KnLDB >ul{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}/*!sc*/ @media (min-width: 48rem){.KnLDB >ul{-webkit-align-items:start;-webkit-box-align:start;-ms-flex-align:start;align-items:start;}}/*!sc*/ @media (min-width: 90rem){.KnLDB{-webkit-order:2;-ms-flex-order:2;order:2;margin-left:8px;}}/*!sc*/ data-styled.g3[id="sc-f8fcf8ba-0"]{content:"KnLDB,"}/*!sc*/ .iLfkyF{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}/*!sc*/ .iLfkyF a{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:32px;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;width:32px;border:1px solid #111111;border-radius:50%;margin-right:4px;}/*!sc*/ .iLfkyF a svg{width:12px;}/*!sc*/ .iLfkyF a:hover{border-color:#008462;}/*!sc*/ .iLfkyF a:hover svg{fill:#008462;}/*!sc*/ .iLfkyF a:active,.iLfkyF a:focus{border-color:#666666;}/*!sc*/ .iLfkyF a:active svg,.iLfkyF a:focus svg{fill:#666666;}/*!sc*/ data-styled.g4[id="sc-f8fcf8ba-1"]{content:"iLfkyF,"}/*!sc*/ .fgxESO{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;gap:16px;}/*!sc*/ data-styled.g5[id="sc-f8fcf8ba-2"]{content:"fgxESO,"}/*!sc*/ .giFAMX svg{height:20px;width:20px;fill:#008462;}/*!sc*/ .giFAMX a:hover svg{cursor:pointer;fill:#666666;}/*!sc*/ .giFAMX a:active svg,.giFAMX a:focus svg{fill:#D1D1D6;}/*!sc*/ data-styled.g6[id="sc-f8fcf8ba-3"]{content:"giFAMX,"}/*!sc*/ .gIAhfJ{height:16px;border:none;background-repeat:no-repeat;-webkit-background-position:50%;background-position:50%;background-image:url(data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iNDAiIGhlaWdodD0iNCIgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj48ZyBmaWxsPSIjQTNBNUE5IiBmaWxsLXJ1bGU9ImV2ZW5vZGQiPjxjaXJjbGUgY3g9IjIiIGN5PSIyIiByPSIyIi8+PGNpcmNsZSBjeD0iMTQiIGN5PSIyIiByPSIyIi8+PGNpcmNsZSBjeD0iMjYiIGN5PSIyIiByPSIyIi8+PGNpcmNsZSBjeD0iMzgiIGN5PSIyIiByPSIyIi8+PC9nPjwvc3ZnPg==);margin-bottom:36px;}/*!sc*/ data-styled.g7[id="sc-fa0656e5-0"]{content:"gIAhfJ,"}/*!sc*/ .gjfgNu{width:100%;margin:24px 0;}/*!sc*/ data-styled.g15[id="sc-7f95e2e5-0"]{content:"gjfgNu,"}/*!sc*/ .ffjStY{border-collapse:collapse;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;text-align:left;width:100%;}/*!sc*/ .ffjStY .has-vivid-cyan-blue-color{content:url('/icons/ProIcon.svg');padding-left:24px;}/*!sc*/ .ffjStY .has-vivid-purple-color{content:url('/icons/ConIcon.svg');padding-left:24px;}/*!sc*/ .ffjStY mark{display:block;font-size:12px;line-height:18px;font-weight:500;color:#008462;}/*!sc*/ .ffjStY mark+br{display:none;}/*!sc*/ .ffjStY ul,.ffjStY ol{margin:0;}/*!sc*/ .ffjStY .last-cell>a:first-child{color:#007B9D;-webkit-text-decoration:underline;text-decoration:underline;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;gap:4px;font-weight:600;font-size:16px;text-wrap:nowrap;}/*!sc*/ .ffjStY .last-cell>a:first-child:hover,.ffjStY .last-cell>a:first-child:hover>*:not(.no-hover),.ffjStY .last-cell>a:first-child:focus,.ffjStY .last-cell>a:first-child:focus>*:not(.no-focus){-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .ffjStY .last-cell>a:first-child:active,.ffjStY .last-cell>a:first-child:active>*:not(.no-active){-webkit-text-decoration:underline;text-decoration:underline;color:#666666;}/*!sc*/ .ffjStY .last-cell>a:first-child:not([href*="fortune.com"]):not([href^="#"]):after,.ffjStY .last-cell>a:first-child[href*="fortune.com/recommends/redirect"]:after{content:url("/icons/OpenInNewTab.svg");height:19px;width:19px;}/*!sc*/ .ffjStY .last-cell:has(a:first-child){color:#666666!important;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:14px;font-weight:400;line-height:21px;letter-spacing:0.5px;text-align:center;margin:8px 0 0 0;text-align:left;text-wrap:nowrap;line-height:75%;}/*!sc*/ data-styled.g16[id="sc-7f95e2e5-1"]{content:"ffjStY,"}/*!sc*/ .jyzPUY{display:none;}/*!sc*/ .jyzPUY tr{font-size:16px;}/*!sc*/ .jyzPUY th,.jyzPUY td{padding:16px 16px;position:relative;}/*!sc*/ .jyzPUY th:nth-child(1),.jyzPUY td:nth-child(1){padding-left:24px;}/*!sc*/ .jyzPUY th:last-child,.jyzPUY td:last-child{padding-right:24px;}/*!sc*/ .jyzPUY th:not(:last-child):after,.jyzPUY td:not(:last-child):after{content:"";border-right:1px solid #D1D1D6;position:absolute;top:8px;bottom:8px;right:0px;}/*!sc*/ .jyzPUY tbody th{font-weight:400;}/*!sc*/ .jyzPUY tbody tr:not(:last-child){border-bottom:2px solid #D1D1D6;}/*!sc*/ .jyzPUY tbody tr:not(:last-child):has(+ tr .has-light-green-cyan-color, +tr .has-vivid-green-cyan-color){border-bottom:none;}/*!sc*/ .jyzPUY tbody tr:not(:last-child):has(.has-light-green-cyan-color, .has-vivid-green-cyan-color){background-color:#eff8fa;border:2px solid #007b9d;}/*!sc*/ .jyzPUY tbody tr:nth-child(1){border-top:2px solid #008462;}/*!sc*/ .jyzPUY tbody tr:nth-child(1):has(.has-light-green-cyan-color, .has-vivid-green-cyan-color){background-color:#eff8fa;border:2px solid #007b9d;}/*!sc*/ .jyzPUY tbody>tr:nth-of-type(2n){background-color:#f2f2f2;}/*!sc*/ @media (min-width: 48rem){.jyzPUY{display:table;}}/*!sc*/ data-styled.g17[id="sc-7f95e2e5-2"]{content:"jyzPUY,"}/*!sc*/ .cbifJo{display:table;}/*!sc*/ .cbifJo thead{border-bottom:2px solid #008462;}/*!sc*/ .cbifJo thead tr>th{font-size:16px;font-weight:600;line-height:19px;letter-spacing:0.5px;padding:8px 0;}/*!sc*/ .cbifJo tbody:before{content:"@";display:block;line-height:24px;visibility:hidden;}/*!sc*/ .cbifJo tbody th,.cbifJo tbody td{padding:8px;}/*!sc*/ .cbifJo tbody th.header{font-weight:400;}/*!sc*/ .cbifJo tbody>tr{font-size:14px;}/*!sc*/ .cbifJo tbody>tr:not(:last-child){border-bottom:1px solid #D1D1D6;}/*!sc*/ .cbifJo tbody>tr:nth-of-type(4n+1){background-color:#f2f2f2;border-bottom:none;font-size:16px;letter-spacing:0.5px;}/*!sc*/ .cbifJo tbody>tr:nth-of-type(4n+1):has(.has-light-green-cyan-color, .has-vivid-green-cyan-color){background-color:#eff8fa;border-bottom:2px solid #007b9d;}/*!sc*/ @media (min-width: 48rem){.cbifJo{display:none;}}/*!sc*/ data-styled.g18[id="sc-7f95e2e5-3"]{content:"cbifJo,"}/*!sc*/ .bJEJKK{border-top:1px solid #D1D1D6;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:12px;letter-spacing:0.5px;line-height:12px;margin:var(--Footer-Margin) auto auto;max-width:90rem;}/*!sc*/ @media (min-width: 48rem){.bJEJKK{margin:var(--Footer-Margin) -24px auto;width:calc(100% + 48px);}}/*!sc*/ @media (min-width: 80rem){.bJEJKK{margin:var(--Footer-Margin) -48px auto;width:calc(100% + 96px);}}/*!sc*/ data-styled.g47[id="sc-f19f6d8d-0"]{content:"bJEJKK,"}/*!sc*/ .cQpwpw{padding:16px;display:-ms-grid;display:grid;-ms-grid-columns:repeat(1, auto);grid-template-columns:repeat(1, auto);}/*!sc*/ @media (min-width: 48rem){.cQpwpw{gap:16px;-ms-grid-columns:repeat(3, auto);grid-template-columns:repeat(3, auto);padding:24px;}}/*!sc*/ @media (min-width: 90rem){.cQpwpw{padding:24px 48px;}}/*!sc*/ data-styled.g48[id="sc-f19f6d8d-1"]{content:"cQpwpw,"}/*!sc*/ .hUAbPg{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}/*!sc*/ data-styled.g49[id="sc-f19f6d8d-2"]{content:"hUAbPg,"}/*!sc*/ .hrTgdV{border-bottom:1px solid #D1D1D6;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;gap:16px;padding:16px 0;}/*!sc*/ .hrTgdV:last-child{border-bottom:0;}/*!sc*/ @media (min-width: 48rem){.hrTgdV{padding:0;border-bottom:0;border-right:1px solid #D1D1D6;}.hrTgdV:nth-child(1){-ms-grid-column-span:2;grid-column-end:2;}.hrTgdV:nth-child(1),.hrTgdV:nth-child(2){-ms-grid-column:span 2;grid-column-start:span 2;}.hrTgdV:nth-child(3),.hrTgdV:nth-child(4),.hrTgdV:nth-child(5){-ms-grid-row:2;grid-row:2;}.hrTgdV:last-child,.hrTgdV:nth-child(2){border-right:0;}}/*!sc*/ @media (min-width: 90rem){.hrTgdV:nth-child(1),.hrTgdV:nth-child(2),.hrTgdV:nth-child(3),.hrTgdV:nth-child(4),.hrTgdV:nth-child(5){-ms-grid-row:1;grid-row:1;}.hrTgdV:nth-child(2){border-right:1px solid #D1D1D6;padding-right:16px;-ms-grid-column:span 4;grid-column-start:span 4;}}/*!sc*/ .hrTgdV.sections .sc-f19f6d8d-2{display:-ms-grid;display:grid;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;-ms-grid-columns:repeat(3, auto);grid-template-columns:repeat(3, auto);-ms-grid-rows:repeat(2, auto);grid-template-rows:repeat(2, auto);-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;}/*!sc*/ @media (min-width: 48rem){.hrTgdV.sections .sc-f19f6d8d-2{-ms-grid-columns:repeat(5, 20%);grid-template-columns:repeat(5, 20%);}}/*!sc*/ @media (min-width: 64rem){.hrTgdV.sections .sc-f19f6d8d-2{-ms-grid-columns:repeat(5, auto);grid-template-columns:repeat(5, auto);}}/*!sc*/ .hrTgdV.rankings .sc-f19f6d8d-2{display:-ms-grid;display:grid;-ms-grid-columns:repeat(2, 50%);grid-template-columns:repeat(2, 50%);-ms-grid-rows:1fr;grid-template-rows:1fr;}/*!sc*/ @media (min-width: 48rem){.hrTgdV.rankings .sc-f19f6d8d-2{-ms-grid-columns:repeat(2, auto);grid-template-columns:repeat(2, auto);}}/*!sc*/ data-styled.g50[id="sc-f19f6d8d-3"]{content:"hrTgdV,"}/*!sc*/ .wEZoO{color:#E4121A;font-size:16px;font-weight:500;letter-spacing:1px;line-height:24px;}/*!sc*/ @media (min-width: 48rem){.wEZoO{margin-top:0px;margin-bottom:0px;}}/*!sc*/ data-styled.g51[id="sc-f19f6d8d-4"]{content:"wEZoO,"}/*!sc*/ .bLAYuZ{border-bottom:1px solid #D1D1D6;border-top:1px solid #D1D1D6;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding:24px 16px;}/*!sc*/ @media (min-width: 48rem){.bLAYuZ{padding:24px;}}/*!sc*/ @media (min-width: 90rem){.bLAYuZ{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;padding:24px 48px;}}/*!sc*/ data-styled.g52[id="sc-f19f6d8d-5"]{content:"bLAYuZ,"}/*!sc*/ .feoYNo{color:#666666;font-size:12px;font-weight:400;letter-spacing:1px;line-height:18px;-webkit-order:2;-ms-flex-order:2;order:2;}/*!sc*/ .feoYNo a{color:#007B9D;-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .feoYNo a:hover,.feoYNo a:hover>*:not(.no-hover),.feoYNo a:focus,.feoYNo a:focus>*:not(.no-focus){-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .feoYNo a:active,.feoYNo a:active>*:not(.no-active){-webkit-text-decoration:underline;text-decoration:underline;color:#666666;}/*!sc*/ .feoYNo p{margin:0px;}/*!sc*/ @media (min-width: 90rem){.feoYNo{-webkit-order:1;-ms-flex-order:1;order:1;}}/*!sc*/ data-styled.g53[id="sc-f19f6d8d-6"]{content:"feoYNo,"}/*!sc*/ .jDgEWe{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:12px;font-weight:500;line-height:16px;list-style:none;display:-ms-grid;display:grid;gap:16px;}/*!sc*/ data-styled.g54[id="sc-4ebe8201-0"]{content:"jDgEWe,"}/*!sc*/ @media (min-width: 48rem){.ljzhCf{white-space:nowrap;overflow:hidden;text-overflow:ellipsis;}}/*!sc*/ .ljzhCf >a{letter-spacing:1px;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ data-styled.g55[id="sc-4ebe8201-1"]{content:"ljzhCf,"}/*!sc*/ .jMfWOS.drawer-toggle{display:none;}/*!sc*/ .jMfWOS.drawer-toggle:checked~.drawer-menu{visibility:visible;left:0;}/*!sc*/ .jMfWOS.drawer-toggle:checked~.overlay{visibility:visible;opacity:0.5;}/*!sc*/ data-styled.g56[id="sc-b800b314-0"]{content:"jMfWOS,"}/*!sc*/ .evDKrX.hamburger-toggle{display:block;width:30px;height:23px;cursor:pointer;margin-right:24px;position:relative;margin-bottom:10px;}/*!sc*/ @media (min-width: 64rem){.evDKrX.hamburger-toggle{margin-right:48px;}}/*!sc*/ .evDKrX.hamburger-toggle svg{-webkit-transition:all .2s ease-in-out;transition:all .2s ease-in-out;width:30px;height:30px;}/*!sc*/ .evDKrX.hamburger-toggle:hover svg{fill:#008462;-webkit-transition:all .2s ease-in-out;transition:all .2s ease-in-out;}/*!sc*/ .evDKrX.hamburger-toggle:focus svg,.evDKrX.hamburger-toggle:active svg{fill:#666666;}/*!sc*/ .evDKrX.close-menu{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;cursor:pointer;position:relative;}/*!sc*/ .evDKrX.close-menu svg{width:33px;height:40px;-webkit-transition:all .2s ease-in-out;transition:all .2s ease-in-out;}/*!sc*/ .evDKrX.close-menu svg:hover{-webkit-transition:all .2s ease-in-out;transition:all .2s ease-in-out;color:#008462;}/*!sc*/ .evDKrX.close-menu svg:focus,.evDKrX.close-menu svg:active{color:#666666;}/*!sc*/ @media (max-width: 47.95rem){.evDKrX.close-menu svg{width:27px;height:23px;}}/*!sc*/ data-styled.g57[id="sc-b800b314-1"]{content:"evDKrX,"}/*!sc*/ .kCEKqj{display:none;-webkit-box-pack:end;-ms-flex-pack:end;-webkit-justify-content:flex-end;justify-content:flex-end;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;background:#F9F9F9;padding:4px 16px;width:100%;bottom:0;left:0;}/*!sc*/ @media(min-width: 64rem){.kCEKqj{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;padding:4px 24px;}}/*!sc*/ .fWtZxM{position:fixed;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:end;-ms-flex-pack:end;-webkit-justify-content:flex-end;justify-content:flex-end;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;background:#F9F9F9;padding:4px 16px;width:100%;bottom:0;left:0;}/*!sc*/ @media(min-width: 64rem){.fWtZxM{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;padding:4px 24px;}}/*!sc*/ data-styled.g58[id="sc-575c964e-0"]{content:"kCEKqj,fWtZxM,"}/*!sc*/ .cDYxVx{line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCompact_75b0c8','__graphikCompact_Fallback_75b0c8',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:1rem;font-weight:400;padding:8px 0;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ @media(min-width: 64rem){.cDYxVx{padding:0;}}/*!sc*/ .cDYxVx:after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;margin-left:4px;margin-bottom:0;}/*!sc*/ .cDYxVx:hover,.cDYxVx:focus{color:#008462;}/*!sc*/ data-styled.g59[id="sc-575c964e-1"]{content:"cDYxVx,"}/*!sc*/ .jIOrBa{height:100vh;overflow-y:scroll;width:100%;position:fixed;top:0;left:-100%;background-color:#FFFFFF;-webkit-transition:all 0.3s ease-in-out;transition:all 0.3s ease-in-out;z-index:100002;padding:0 16px;visibility:hidden;}/*!sc*/ .jIOrBa.open{left:0;visibility:visible;}/*!sc*/ @media (min-width: 48rem){.jIOrBa{width:100%;left:-100%;padding:0 24px 24px;}}/*!sc*/ @media (min-width: 64rem){.jIOrBa{max-width:680px;left:-680px;}}/*!sc*/ .jIOrBa .extra-padding{padding-bottom:64px;}/*!sc*/ @supports (height: 100svh){.jIOrBa{height:100svh;}.jIOrBa .extra-padding{padding-bottom:0;}}/*!sc*/ data-styled.g60[id="sc-8a176bf1-0"]{content:"jIOrBa,"}/*!sc*/ .cFKQLP{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;position:-webkit-sticky;position:sticky;background-color:#FFFFFF;top:0;left:20px;padding-top:16px;padding-bottom:8px;z-index:9999;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;}/*!sc*/ @media (min-width: 48rem){.cFKQLP{padding-top:24px;}}/*!sc*/ data-styled.g61[id="sc-8a176bf1-1"]{content:"cFKQLP,"}/*!sc*/ .ldfYQG{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;width:100%;}/*!sc*/ .ldfYQG .link{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:500;font-size:16px;margin-left:32px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;text-transform:uppercase;}/*!sc*/ @media (min-width: 48rem){.ldfYQG{-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;width:100%;}}/*!sc*/ data-styled.g63[id="sc-8a176bf1-3"]{content:"ldfYQG,"}/*!sc*/ .hTCnKi{z-index:100001;position:fixed;inset:0;background-color:#111111;opacity:0;-webkit-transition:all 0.3s ease-in-out;transition:all 0.3s ease-in-out;visibility:hidden;}/*!sc*/ data-styled.g64[id="sc-8a176bf1-4"]{content:"hTCnKi,"}/*!sc*/ .blCOPH{background-color:#FFFFFF;height:auto;max-height:100vh;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}/*!sc*/ .blCOPH .menu-list{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;gap:16px;padding-bottom:16px;}/*!sc*/ .blCOPH .menu-list .open a:not(:only-child){color:#007B9D;}/*!sc*/ .blCOPH .menu-list .open .arrow{border-color:#007B9D;}/*!sc*/ @media (min-width: 48rem){.blCOPH .menu-list{margin-top:32px;width:40%;}}/*!sc*/ @media (min-width: 64rem){.blCOPH .menu-list{width:50%;}}/*!sc*/ data-styled.g65[id="sc-c196408b-0"]{content:"blCOPH,"}/*!sc*/ .fKkPIO{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;position:relative;margin-left:-16px;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;color:#111111;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;line-height:120%;font-weight:600;font-size:24px;}/*!sc*/ .fKkPIO a{-webkit-flex:1;-ms-flex:1;flex:1;color:#111111;margin:-8px 0;padding:8px 0;padding-left:16px;}/*!sc*/ .fKkPIO >a:not(:only-child){margin-right:16px;}/*!sc*/ .fKkPIO >a:only-child{margin-right:20px;}/*!sc*/ .erTPNH{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;position:relative;margin-left:0px;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;color:#111111;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;line-height:120%;font-weight:500;font-size:20px;}/*!sc*/ .erTPNH a{-webkit-flex:1;-ms-flex:1;flex:1;color:#111111;margin:-8px 0;padding:8px 0;padding-left:16px;}/*!sc*/ .erTPNH >a:not(:only-child){margin-right:16px;}/*!sc*/ .erTPNH >a:only-child{margin-right:20px;}/*!sc*/ .xxKxI{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;position:relative;margin-left:16px;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;color:#111111;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;line-height:120%;font-weight:400;font-size:16px;}/*!sc*/ .xxKxI a{-webkit-flex:1;-ms-flex:1;flex:1;color:#111111;margin:-8px 0;padding:8px 0;padding-left:16px;}/*!sc*/ .xxKxI >a:not(:only-child){margin-right:16px;}/*!sc*/ .xxKxI >a:only-child{margin-right:20px;}/*!sc*/ .cdmvxm{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;position:relative;margin-left:32px;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;color:#111111;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;line-height:120%;font-weight:400;font-size:16px;}/*!sc*/ .cdmvxm a{-webkit-flex:1;-ms-flex:1;flex:1;color:#111111;margin:-8px 0;padding:8px 0;padding-left:16px;}/*!sc*/ .cdmvxm >a:not(:only-child){margin-right:16px;}/*!sc*/ .cdmvxm >a:only-child{margin-right:20px;}/*!sc*/ data-styled.g70[id="sc-408583b5-0"]{content:"fKkPIO,erTPNH,xxKxI,cdmvxm,"}/*!sc*/ .ftQtBb{display:none;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;gap:16px;}/*!sc*/ data-styled.g71[id="sc-408583b5-1"]{content:"ftQtBb,"}/*!sc*/ .idrbpP{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;cursor:pointer;padding:8px;margin:-8px;}/*!sc*/ .idrbpP .arrow{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;border-color:#111111;padding:5px;border-width:0 2px 2px 0;}/*!sc*/ .idrbpP:hover .arrow{border-color:#008462;}/*!sc*/ .idrbpP:focus .arrow{border-color:#666666;}/*!sc*/ .idrbpP.up{-webkit-animation:rotate 0.3s ease-in-out both;animation:rotate 0.3s ease-in-out both;}/*!sc*/ @-webkit-keyframes rotate{0%{-webkit-transform:rotate(0);-moz-transform:rotate(0);-ms-transform:rotate(0);transform:rotate(0);}100%{-webkit-transform:rotate(-90deg);-moz-transform:rotate(-90deg);-ms-transform:rotate(-90deg);transform:rotate(-90deg);}}/*!sc*/ @keyframes rotate{0%{-webkit-transform:rotate(0);-moz-transform:rotate(0);-ms-transform:rotate(0);transform:rotate(0);}100%{-webkit-transform:rotate(-90deg);-moz-transform:rotate(-90deg);-ms-transform:rotate(-90deg);transform:rotate(-90deg);}}/*!sc*/ data-styled.g72[id="sc-408583b5-2"]{content:"idrbpP,"}/*!sc*/ .aTRRk{padding:8px 20px;border-bottom:1px solid #D1D1D6;position:relative;z-index:-1;}/*!sc*/ .aTRRk.crypto{border-bottom:none;}/*!sc*/ @media (min-width: 48rem){.aTRRk.landingPage{border-bottom:none;padding:8px 0 0;}}/*!sc*/ @media (min-width: 64rem){.aTRRk.landingPage{padding:8px 0 0;}}/*!sc*/ @media (min-width: 90rem){.aTRRk.landingPage{padding:8px 0 0;}}/*!sc*/ @media (min-width: 48rem){.aTRRk.landingPage>div{border-bottom:1px solid #D1D1D6;padding-bottom:8px;}}/*!sc*/ data-styled.g73[id="sc-605c547c-0"]{content:"aTRRk,"}/*!sc*/ .hcdsTK{text-align:center;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:400;font-size:16px;line-height:19.2px;}/*!sc*/ .hcdsTK a{color:#007B9D;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .hcdsTK a:hover{color:#666666;}/*!sc*/ @media (max-width: 47.95rem){.hcdsTK{text-align:left;}}/*!sc*/ data-styled.g74[id="sc-605c547c-1"]{content:"hcdsTK,"}/*!sc*/ .WjBaf{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:400;font-size:16px;line-height:19.2px;border-bottom:1px solid #111111;}/*!sc*/ .WjBaf:hover{color:#007B9D;}/*!sc*/ .WjBaf:focus{color:#666666;}/*!sc*/ data-styled.g75[id="sc-605c547c-2"]{content:"WjBaf,"}/*!sc*/ .eYoZYY{position:relative;display:inline-block;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:400;font-size:16px;line-height:19.2px;}/*!sc*/ data-styled.g76[id="sc-605c547c-3"]{content:"eYoZYY,"}/*!sc*/ .istaNq{height:24px;width:30px;-webkit-animation:opacity 2.5s both;animation:opacity 2.5s both;background-color:#f2f2f2;background-image:linear-gradient( 90deg, #66666600 20%, #6666661A 50%, #66666600 80% );-webkit-background-size:600px;background-size:600px;-webkit-background-position:0 0;background-position:0 0;}/*!sc*/ @-webkit-keyframes opacity{0%{opacity:1;}50%{opacity:0;}100%{opacity:1;}}/*!sc*/ @keyframes opacity{0%{opacity:1;}50%{opacity:0;}100%{opacity:1;}}/*!sc*/ .glgywR{height:32px;width:380px;-webkit-animation:opacity 2.5s both;animation:opacity 2.5s both;background-color:#f2f2f2;background-image:linear-gradient( 90deg, #66666600 20%, #6666661A 50%, #66666600 80% );-webkit-background-size:600px;background-size:600px;-webkit-background-position:0 0;background-position:0 0;}/*!sc*/ @-webkit-keyframes opacity{0%{opacity:1;}50%{opacity:0;}100%{opacity:1;}}/*!sc*/ @keyframes opacity{0%{opacity:1;}50%{opacity:0;}100%{opacity:1;}}/*!sc*/ data-styled.g79[id="sc-c5bbce56-0"]{content:"istaNq,glgywR,"}/*!sc*/ .juCxhh{position:absolute;bottom:-4px;left:0;width:100%;height:4px;background-color:#FFFFFF;z-index:5;}/*!sc*/ @media(min-width: 64rem){.juCxhh{background-color:transparent;}}/*!sc*/ data-styled.g82[id="sc-e644c12-0"]{content:"juCxhh,"}/*!sc*/ .iLXWvL{height:100%;width:0%;background-color:#008462;-webkit-transition:width 0.2s ease;transition:width 0.2s ease;}/*!sc*/ data-styled.g83[id="sc-e644c12-1"]{content:"iLXWvL,"}/*!sc*/ .gGilCu{background:#FFFFFF;will-change:transform;position:relative;top:var(--cc-sbillboard-min-height, var(--ld-height, 0));-webkit-transform:translateZ(0);-moz-transform:translateZ(0);-ms-transform:translateZ(0);transform:translateZ(0);z-index:9999;box-shadow:0px 15px 30px 0px #11111110;height:auto;isolation:isolate;}/*!sc*/ data-styled.g84[id="sc-ad237313-0"]{content:"gGilCu,"}/*!sc*/ .jeITyt{box-shadow:0px 10px 10px 0px 0D;}/*!sc*/ data-styled.g85[id="sc-ad237313-1"]{content:"jeITyt,"}/*!sc*/ .jWHMHP{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding:16px 8px;height:54px;}/*!sc*/ .jWHMHP .menu-placeholder{margin-right:24px;}/*!sc*/ @media (min-width: 48rem){.jWHMHP{padding:0px 24px;height:68px;display:-ms-grid;display:grid;-ms-grid-auto-flow:column;grid-auto-flow:column;-ms-grid-columns:1fr 380px 1fr;grid-template-columns:1fr 380px 1fr;}}/*!sc*/ @media (min-width: 80rem){.jWHMHP{padding:0px 48px;margin:0 auto;}}/*!sc*/ @media (min-width: 90rem){.jWHMHP{max-width:1440px;}}/*!sc*/ data-styled.g92[id="sc-ad237313-8"]{content:"jWHMHP,"}/*!sc*/ .bbEcaX{overflow:clip;}/*!sc*/ .bbEcaX main{margin:auto;padding:0 var(--Grid-Margin);}/*!sc*/ .bbEcaX main:has(.landing-page-header),.bbEcaX main:has(.accolades-header){overflow:visible;}/*!sc*/ @media (min-width: 90rem){.bbEcaX main{max-width:1440px;}}/*!sc*/ .bbEcaX footer{margin:var(--Footer-Margin) auto 0;max-width:min(100%, 90rem);}/*!sc*/ data-styled.g100[id="sc-3f90509f-2"]{content:"bbEcaX,"}/*!sc*/ .cLhSQr{font-weight:600;line-height:120%;color:#111111;font-family:'__saol_40b425','__saol_Fallback_40b425',Times New Roman,Playfair Display,Georgia,Serif;letter-spacing:0;font-size:1.5rem;}/*!sc*/ @media (min-width: 48rem){.cLhSQr{font-size:3rem;}}/*!sc*/ .fwBYux{font-weight:600;line-height:120%;color:#111111;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;letter-spacing:0.5px;font-size:1.5rem;}/*!sc*/ .lbOvVG{font-weight:600;line-height:120%;color:#111111;font-family:'__saol_40b425','__saol_Fallback_40b425',Times New Roman,Playfair Display,Georgia,Serif;letter-spacing:0;font-size:1.5rem;}/*!sc*/ @media (min-width: 80rem){.lbOvVG{font-size:2rem;}}/*!sc*/ .iULPke{font-weight:600;line-height:120%;color:#111111;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;letter-spacing:0.5px;font-size:1rem;}/*!sc*/ data-styled.g150[id="sc-3358ecfd-0"]{content:"cLhSQr,fwBYux,lbOvVG,iULPke,"}/*!sc*/ .iIGjFj{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;min-height:28px;margin:24px auto;position:relative;-webkit-box-flex:1;-webkit-flex-grow:1;-ms-flex-positive:1;flex-grow:1;}/*!sc*/ .iIGjFj.homepage.europe,.iIGjFj.homepage.asia{margin:16px auto;}/*!sc*/ @media (min-width: 48rem){.iIGjFj{min-height:32px;padding:0 24px;margin:32px auto;}.iIGjFj.homepage{margin:32px auto 56px auto;}.iIGjFj.homepage.europe,.iIGjFj.homepage.asia{margin:24px auto;}}/*!sc*/ @media (min-width: 64rem){.iIGjFj{min-height:44px;margin:48px auto;}}/*!sc*/ @media (min-width: 80rem){.iIGjFj{padding:0px 48px;}.iIGjFj.homepage{margin:48px auto 72px;}.iIGjFj.homepage.europe,.iIGjFj.homepage.asia{margin:48px auto;}}/*!sc*/ .iIGjFj.recommends,.iIGjFj.education{position:relative;margin:0 auto;min-height:63px;box-shadow:0px 10px 10px 0px #1111110D;}/*!sc*/ @media (max-width: 63.95rem){.iIGjFj.recommends,.iIGjFj.education{display:none;}}/*!sc*/ data-styled.g163[id="sc-26e2a334-0"]{content:"iIGjFj,"}/*!sc*/ .fjJYwq{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;padding-left:16px;white-space:nowrap;scrollbar-width:none;}/*!sc*/ .fjJYwq::-webkit-scrollbar{display:none;}/*!sc*/ @media (min-width: 48rem){.fjJYwq{padding:0 24px;}}/*!sc*/ @media (max-width: 47.95rem){.fjJYwq{overflow-x:scroll;overflow-y:hidden;}}/*!sc*/ @media (min-width: 80rem){.fjJYwq{max-width:1440px;padding:0px 48px;}}/*!sc*/ data-styled.g164[id="sc-26e2a334-1"]{content:"fjJYwq,"}/*!sc*/ .djzspf{position:relative;display:inline-block;}/*!sc*/ .djzspf:last-child a{margin-right:8px;}/*!sc*/ @media (min-width: 48rem){.djzspf:last-child a{margin-right:0;}}/*!sc*/ .djzspf:hover >ul,.djzspf:focus-within >ul{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}/*!sc*/ .djzspf.recommends,.djzspf.education{position:static;}/*!sc*/ .djzspf.recommends:has(li.isSelected) >a:first-child,.djzspf.education:has(li.isSelected) >a:first-child{color:#111111;line-height:27px;-webkit-text-decoration:underline;text-decoration:underline;text-decoration-color:#00CD98;text-decoration-thickness:2px;-webkit-transform:scale(1);-moz-transform:scale(1);-ms-transform:scale(1);transform:scale(1);-webkit-transition:-webkit-transform 0.2s ease-in;transition:transform 0.2s ease-in;font-size:24px;text-underline-offset:10px;}/*!sc*/ .djzspf.recommends:has(li.isSelected) >a:first-child:hover,.djzspf.education:has(li.isSelected) >a:first-child:hover{color:#008462;}/*!sc*/ .djzspf.recommends:hover>ul,.djzspf.education:hover>ul,.djzspf.recommends:focus-within>ul,.djzspf.education:focus-within>ul{display:-ms-grid;display:grid;}/*!sc*/ data-styled.g165[id="sc-26e2a334-2"]{content:"djzspf,"}/*!sc*/ .eLIUqY{font-style:normal;font-weight:600;font-size:16px;line-height:21px;padding:0 8px;}/*!sc*/ @media (min-width: 48rem){.eLIUqY{padding:0 12px;}}/*!sc*/ @media (min-width: 64rem){.eLIUqY{font-size:20px;line-height:27px;}}/*!sc*/ @media (min-width: 90rem){.eLIUqY{padding:0 24px;}}/*!sc*/ .eLIUqY.showSubmenu{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}/*!sc*/ .eLIUqY.showSubmenu>svg{stroke:#666666;height:20px;width:20px;margin-left:8px;-webkit-transform:rotate(90deg);-moz-transform:rotate(90deg);-ms-transform:rotate(90deg);transform:rotate(90deg);}/*!sc*/ .eLIUqY.showSubmenu:hover>svg{stroke:#007b9d;-webkit-transform:rotate(270deg);-moz-transform:rotate(270deg);-ms-transform:rotate(270deg);transform:rotate(270deg);}/*!sc*/ .eLIUqY.selected{color:#111111;line-height:27px;-webkit-text-decoration:underline;text-decoration:underline;text-decoration-color:#00CD98;text-decoration-thickness:2px;-webkit-transform:scale(1);-moz-transform:scale(1);-ms-transform:scale(1);transform:scale(1);-webkit-transition:-webkit-transform 0.2s ease-in;transition:transform 0.2s ease-in;font-size:24px;text-underline-offset:10px;}/*!sc*/ .eLIUqY.selected:hover{color:#008462;}/*!sc*/ .eLIUqY.recommends,.eLIUqY.education{display:table-cell;vertical-align:middle;height:63px;}/*!sc*/ .eLIUqY.recommends:hover,.eLIUqY.education:hover{color:#008462;}/*!sc*/ data-styled.g166[id="sc-26e2a334-3"]{content:"eLIUqY,"}/*!sc*/ .jMpzwH{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;}/*!sc*/ data-styled.g186[id="sc-185bd057-0"]{content:"jMpzwH,"}/*!sc*/ .cNvPFn{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;gap:8px;}/*!sc*/ @media (max-width: 63.95rem){.cNvPFn{display:none;}}/*!sc*/ @media (min-width: 64rem){.cNvPFn.tablet-and-mobile{display:none;}}/*!sc*/ @media (max-width: 63.95rem){.cNvPFn.tablet-and-mobile{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}}/*!sc*/ data-styled.g187[id="sc-185bd057-1"]{content:"cNvPFn,"}/*!sc*/ .fMbTYJ{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;gap:8px;line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:0.875rem;font-weight:600;}/*!sc*/ .fMbTYJ:last-child:not(:only-child){position:relative;margin-left:8px;}/*!sc*/ .fMbTYJ:last-child:not(:only-child)::after{position:absolute;content:'';border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(135deg);-moz-transform:rotate(135deg);-ms-transform:rotate(135deg);transform:rotate(135deg);-webkit-transform:rotate(135deg);margin-bottom:2px;margin-top:3px;border-width:0 2px 2px 0;padding:4.5px;margin-top:5px;margin-left:5px;color:#666666;left:-8px;}/*!sc*/ @media (min-width: 64rem){.fMbTYJ:last-child:not(:only-child)::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;border-width:0 2px 2px 0;padding:4.5px;margin-top:5px;margin-right:5px;margin-left:0;}}/*!sc*/ .fMbTYJ::before{content:'';border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(135deg);-moz-transform:rotate(135deg);-ms-transform:rotate(135deg);transform:rotate(135deg);-webkit-transform:rotate(135deg);margin-bottom:2px;margin-top:3px;border-width:0 2px 2px 0;padding:4.5px;margin-top:5px;margin-left:5px;color:#666666;-webkit-align-self:flex-start;-ms-flex-item-align:start;align-self:flex-start;}/*!sc*/ @media (min-width: 64rem){.fMbTYJ::before{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;border-width:0 2px 2px 0;padding:4.5px;margin-top:5px;margin-right:5px;margin-left:0;}}/*!sc*/ .fMbTYJ:first-child:not(:only-child)::before{display:none;}/*!sc*/ data-styled.g188[id="sc-185bd057-2"]{content:"fMbTYJ,"}/*!sc*/ .hcclSn{text-transform:uppercase;line-height:21px;letter-spacing:0.5px;-webkit-transition:all 0.25s;transition:all 0.25s;white-space:nowrap;}/*!sc*/ .fhTljn{text-transform:uppercase;line-height:21px;letter-spacing:0.5px;color:#666666;text-align:left;}/*!sc*/ data-styled.g189[id="sc-185bd057-3"]{content:"hcclSn,fhTljn,"}/*!sc*/ .lNYKf,.lNYKf.author-list{font-size:14px;letter-spacing:1.2px;line-height:21px;margin:0px;text-transform:uppercase;}/*!sc*/ @media ((-webkit-device-pixel-ratio: 1.875) or (-webkit-device-pixel-ratio: 2.125)) and (min-width: 48rem) and (max-width: 63.95rem){.lNYKf,.lNYKf.author-list{font-size:10px;}}/*!sc*/ .lNYKf.article-info span a,.lNYKf.author-list.article-info span a{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ data-styled.g229[id="sc-cc7d6b4a-0"]{content:"lNYKf,"}/*!sc*/ .gYLbUA,.gYLbUA.by-text{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:inherit;color:#111111;margin:0px 4px 0px 0px;}/*!sc*/ data-styled.g231[id="sc-cc7d6b4a-2"]{content:"gYLbUA,"}/*!sc*/ .jdpmmF,.jdpmmF.list-item-wrapper{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;}/*!sc*/ .jdpmmF >a,.jdpmmF.list-item-wrapper >a{position:relative;z-index:2;}/*!sc*/ data-styled.g232[id="sc-cc7d6b4a-3"]{content:"jdpmmF,"}/*!sc*/ .hOsicv{border-bottom:1px solid #D1D1D6;display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;padding:0px 4px 4px 4px;}/*!sc*/ @media (min-width: 48rem){.hOsicv{border-bottom:none;border-right:1px solid #D1D1D6;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding:4px 8px 4px 0px;position:-webkit-sticky;position:sticky;right:0;top:125px;}}/*!sc*/ data-styled.g279[id="sc-8ad666-0"]{content:"hOsicv,"}/*!sc*/ .czevxq{margin-right:16px;}/*!sc*/ @media (min-width: 48rem){.czevxq{margin-right:0px;margin-bottom:16px;}}/*!sc*/ .czevxq svg{height:18px;width:18px;fill:#666666;}/*!sc*/ .czevxq:last-child{margin-right:0px;}/*!sc*/ @media (min-width: 48rem){.czevxq:last-child{margin-bottom:0px;}}/*!sc*/ .czevxq a:hover svg{cursor:pointer;fill:#008462;}/*!sc*/ .czevxq a:active svg,.czevxq a:focus svg{fill:#D1D1D6;}/*!sc*/ data-styled.g280[id="sc-8ad666-1"]{content:"czevxq,"}/*!sc*/ .kxagCu{display:block;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:24px;line-height:150%;width:100%;padding-bottom:48px;}/*!sc*/ .kxagCu p{padding:0px;}/*!sc*/ .kxagCu a{font-weight:400;color:#007B9D;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .kxagCu a:hover{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .kxagCu a:active{color:#111111;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .kxagCu.longform{border-bottom:2px solid #666666;}/*!sc*/ .kxagCu.longform p{margin:12px 0px;}/*!sc*/ .kxagCu.longform:after{display:block;border-bottom:2px solid #666666;content:'';margin:3px 0px;}/*!sc*/ .kxagCu.article p{margin:0 0 32px;}/*!sc*/ @media (min-width: 64rem){.kxagCu.article{width:95%;}}/*!sc*/ @media (min-width: 90rem){.kxagCu.article.article{padding-left:-20px;}}/*!sc*/ data-styled.g313[id="sc-30bdb254-0"]{content:"kxagCu,"}/*!sc*/ .dOBzQA{container:cardContainer/inline-size;width:100%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}/*!sc*/ .dOBzQA:has(.image-link:hover) .title-link{color:#007B9D;}/*!sc*/ .dOBzQA:has(.title-link:hover) .image-link{-webkit-filter:brightness(80%);filter:brightness(80%);}/*!sc*/ .dOBzQA:has(.title-link:hover) .excerpt-link{color:#007B9D;}/*!sc*/ .dOBzQA .index{padding-bottom:16px;border-bottom:1px solid #D1D1D6;width:100%;}/*!sc*/ .dOBzQA .card-eyebrow{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:16px;font-weight:600;letter-spacing:0.5px;line-height:150%;text-transform:uppercase;position:relative;}/*!sc*/ @media (min-width: 768px) and (max-width: 1024px){.dOBzQA .card-eyebrow{font-size:14px;}}/*!sc*/ .dOBzQA.compact .card-title{margin-bottom:8px;}/*!sc*/ .dOBzQA .card-authors{margin-top:auto;line-height:120%;}/*!sc*/ .dOBzQA .card-date{line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:0.875rem;font-weight:300;color:#666666;letter-spacing:1.17px;margin-top:2px;}/*!sc*/ .dOBzQA .card-wrapper{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}/*!sc*/ .dOBzQA .card-image img{object-fit:cover;}/*!sc*/ data-styled.g327[id="sc-c9c5992f-2"]{content:"dOBzQA,"}/*!sc*/ .hCIDYx{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;gap:16px;}/*!sc*/ .hCIDYx .card-image{-webkit-flex:0 0 30%;-ms-flex:0 0 30%;flex:0 0 30%;}/*!sc*/ .hCIDYx .card-image img{aspect-ratio:1.51/1;}/*!sc*/ .hCIDYx .card-title{margin-bottom:8px;}/*!sc*/ .hCIDYx:has(.excerpt) .card-title{margin-bottom:8px;font-size:20px;}/*!sc*/ data-styled.g329[id="sc-c9c5992f-4"]{content:"hCIDYx,"}/*!sc*/ .hgyqdh{border-radius:50%;width:40px!important;height:40px!important;}/*!sc*/ data-styled.g662[id="sc-3be47025-0"]{content:"hgyqdh,"}/*!sc*/ .juJQCL{color:#111111;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:14px;font-style:normal;font-weight:600;line-height:150%;letter-spacing:1.2px;text-transform:uppercase;color:#111111;}/*!sc*/ .juJQCL:hover,.juJQCL:hover>*:not(.no-hover),.juJQCL:focus,.juJQCL:focus>*:not(.no-focus){color:#007B9D;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .juJQCL:active,.juJQCL:active>*:not(.no-active){color:#666666;}/*!sc*/ data-styled.g663[id="sc-3be47025-1"]{content:"juJQCL,"}/*!sc*/ .eSlZzo{color:#666666;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:14px;font-style:normal;font-weight:400;line-height:150%;letter-spacing:0.5px;}/*!sc*/ data-styled.g664[id="sc-3be47025-2"]{content:"eSlZzo,"}/*!sc*/ .jstytk{-webkit-align-self:flex-start;-ms-flex-item-align:start;align-self:flex-start;}/*!sc*/ data-styled.g665[id="sc-3be47025-3"]{content:"jstytk,"}/*!sc*/ .fQLsjx{margin-bottom:16px;color:#111111;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:14px;font-style:normal;font-weight:400;line-height:150%;letter-spacing:0.5px;}/*!sc*/ .fQLsjx p a{display:inline;color:#007B9D;}/*!sc*/ .fQLsjx p a:hover{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ data-styled.g667[id="sc-3be47025-5"]{content:"fQLsjx,"}/*!sc*/ .fVPgCt{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;gap:8px;margin-bottom:8px;}/*!sc*/ data-styled.g669[id="sc-3be47025-7"]{content:"fVPgCt,"}/*!sc*/ .gXfXEH{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-flex:1;-webkit-flex-grow:1;-ms-flex-positive:1;flex-grow:1;}/*!sc*/ data-styled.g670[id="sc-3be47025-8"]{content:"gXfXEH,"}/*!sc*/ .bmAuQp{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}/*!sc*/ .bmAuQp .sc-3be47025-6{margin-left:auto;}/*!sc*/ data-styled.g672[id="sc-3be47025-10"]{content:"bmAuQp,"}/*!sc*/ .fcFEKV{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;border-top:4px solid #008462;box-shadow:2px 2px 4px 0 #11111126;padding:8px;width:320px;background:#FFFFFF;text-transform:none!important;}/*!sc*/ @media (min-width: 48rem){.fcFEKV{width:376px;}}/*!sc*/ @media (min-width: 64rem){.fcFEKV{width:510px;}}/*!sc*/ .fcFEKV.author-bio{width:100%;box-shadow:none;border-top:3px solid #D1D1D6;padding:16px 0 0px 0px;}/*!sc*/ .fcFEKV.author-bio:first-of-type{border-top:none;padding:0 0 0px 0;}/*!sc*/ .fcFEKV.author-bio li{margin:0;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}/*!sc*/ .fcFEKV.author-bio li a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}/*!sc*/ .fcFEKV.author-bio .sc-3be47025-10{margin:16px 0;}/*!sc*/ .fcFEKV.author-bio .sc-3be47025-7{margin-bottom:16px;}/*!sc*/ .fcFEKV.author-bio .sc-3be47025-5{margin:16px 0;}/*!sc*/ .fcFEKV.author-bio .sc-3be47025-5 p{margin:0;}/*!sc*/ .fcFEKV.author-bio .sc-3be47025-9{margin:0;}/*!sc*/ data-styled.g673[id="sc-3be47025-11"]{content:"fcFEKV,"}/*!sc*/ .ipkJtx{visibility:hidden;position:absolute;z-index:9998;margin-top:10px;}/*!sc*/ .ipkJtx::before{content:"";position:absolute;width:100%;height:16px;top:-16px;left:0;}/*!sc*/ data-styled.g674[id="sc-8357b4fc-0"]{content:"ipkJtx,"}/*!sc*/ .gslWGR{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;font-size:14px;letter-spacing:0.5px;line-height:21px;max-width:288px;text-transform:uppercase;color:#111111;display:inline-block;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;position:relative;}/*!sc*/ .gslWGR>a{pointer-events:none;}/*!sc*/ @media (min-width: 64rem){.gslWGR>a{pointer-events:auto;}}/*!sc*/ .gslWGR img,.gslWGR svg{margin-right:8px;}/*!sc*/ .gslWGR img:hover,.gslWGR svg:hover{-webkit-filter:brightness(80%);filter:brightness(80%);}/*!sc*/ .gslWGR .checkmark{margin-top:3px;min-height:16px;min-width:16px;}/*!sc*/ .gslWGR .checkmark:hover{-webkit-filter:none;filter:none;}/*!sc*/ .gslWGR .author-placeholder{min-width:40px;min-height:40px;}/*!sc*/ .gslWGR.article-redesign a{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ data-styled.g675[id="sc-8357b4fc-1"]{content:"gslWGR,"}/*!sc*/ .bjJBmk{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:400;color:#111111;margin-right:4px;}/*!sc*/ data-styled.g676[id="sc-8357b4fc-2"]{content:"bjJBmk,"}/*!sc*/ .hVwMNA{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;}/*!sc*/ data-styled.g677[id="sc-8357b4fc-3"]{content:"hVwMNA,"}/*!sc*/ .iiWsis{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}/*!sc*/ data-styled.g678[id="sc-8357b4fc-4"]{content:"iiWsis,"}/*!sc*/ .eFRRvB{text-transform:none;font-weight:400;color:#666666;}/*!sc*/ data-styled.g679[id="sc-8357b4fc-5"]{content:"eFRRvB,"}/*!sc*/ .cytaS{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:no-wrap;-webkit-flex-wrap:no-wrap;-ms-flex-wrap:no-wrap;flex-wrap:no-wrap;}/*!sc*/ data-styled.g680[id="sc-8357b4fc-6"]{content:"cytaS,"}/*!sc*/ .kXSAJi{color:#111111;}/*!sc*/ .kXSAJi:hover,.kXSAJi:hover>*:not(.no-hover),.kXSAJi:focus,.kXSAJi:focus>*:not(.no-focus){color:#007B9D;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .kXSAJi:active,.kXSAJi:active>*:not(.no-active){color:#666666;}/*!sc*/ data-styled.g681[id="sc-8357b4fc-7"]{content:"kXSAJi,"}/*!sc*/ .izTsmZ{font-size:14px;letter-spacing:0.5px;line-height:21px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;gap:16px;text-transform:uppercase;color:#111111;}/*!sc*/ @media (min-width: 48rem){.izTsmZ{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}.izTsmZ:not(.more-authors){max-width:calc(100% - 103px);}}/*!sc*/ .izTsmZ.more-authors{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}/*!sc*/ data-styled.g682[id="sc-4aadc14e-0"]{content:"izTsmZ,"}/*!sc*/ .COKyR{visibility:hidden;position:absolute;z-index:9998;margin-top:10px;}/*!sc*/ .COKyR::before{content:"";position:absolute;width:100%;height:16px;top:-16px;left:0;}/*!sc*/ data-styled.g683[id="sc-4aadc14e-1"]{content:"COKyR,"}/*!sc*/ .hyvKyP{-webkit-flex:1;-ms-flex:1;flex:1;text-transform:none;}/*!sc*/ data-styled.g684[id="sc-4aadc14e-2"]{content:"hyvKyP,"}/*!sc*/ .wCShc{text-transform:uppercase;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:nowrap;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;gap:4px;}/*!sc*/ data-styled.g685[id="sc-4aadc14e-3"]{content:"wCShc,"}/*!sc*/ .oxMCx{font-weight:400;color:#666666;}/*!sc*/ data-styled.g686[id="sc-4aadc14e-4"]{content:"oxMCx,"}/*!sc*/ .gQdnNk{font-weight:400;color:#111111;}/*!sc*/ data-styled.g687[id="sc-4aadc14e-5"]{content:"gQdnNk,"}/*!sc*/ .dImtxq{color:#111111;}/*!sc*/ .dImtxq:hover,.dImtxq:hover>*:not(.no-hover),.dImtxq:focus,.dImtxq:focus>*:not(.no-focus){color:#007B9D;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .dImtxq:active,.dImtxq:active>*:not(.no-active){color:#666666;}/*!sc*/ data-styled.g688[id="sc-4aadc14e-6"]{content:"dImtxq,"}/*!sc*/ .fLvwvm{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;max-width:288px;position:relative;display:inline-block;}/*!sc*/ .fLvwvm a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;gap:8px;}/*!sc*/ .fLvwvm img:hover,.fLvwvm svg:hover{-webkit-filter:brightness(80%);filter:brightness(80%);}/*!sc*/ .fLvwvm>a{pointer-events:none;}/*!sc*/ @media (min-width: 64rem){.fLvwvm>a{pointer-events:auto;}}/*!sc*/ data-styled.g689[id="sc-4aadc14e-7"]{content:"fLvwvm,"}/*!sc*/ .dvmNGh{border-bottom:1px solid #111111;}/*!sc*/ data-styled.g708[id="sc-e7bcd642-0"]{content:"dvmNGh,"}/*!sc*/ .dIxVVV{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;gap:var(--Grid-Gap);}/*!sc*/ .dIxVVV .card-eyebrow{display:none;}/*!sc*/ .dIxVVV .card-authors{font-size:16px;line-height:19.2px;letter-spacing:0.5px;}/*!sc*/ data-styled.g709[id="sc-e7bcd642-1"]{content:"dIxVVV,"}/*!sc*/ .jhQdLF{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;gap:var(--Grid-Gap);}/*!sc*/ data-styled.g710[id="sc-e7bcd642-2"]{content:"jhQdLF,"}/*!sc*/ .irBBoA{height:100%;position:-webkit-sticky;position:sticky;z-index:10;top:3px;max-width:100%;}/*!sc*/ @media (min-width: 64rem){.irBBoA{position:relative;}}/*!sc*/ data-styled.g712[id="sc-b1ff6b49-0"]{content:"irBBoA,"}/*!sc*/ .iEaleX{display:none;position:-webkit-sticky;position:sticky;max-width:100%;top:23px;}/*!sc*/ @media (min-width: 64rem){.iEaleX{display:block;}}/*!sc*/ data-styled.g713[id="sc-b1ff6b49-1"]{content:"iEaleX,"}/*!sc*/ .GlBFr{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;height:56px;background-color:#008462;margin:0 calc(var(--Grid-Margin) * -1);box-shadow:0 8px 8px -1px #D1D1D640;}/*!sc*/ @media (min-width: 32rem){.GlBFr{height:80px;}}/*!sc*/ @media (min-width: 64rem){.GlBFr{display:none;}}/*!sc*/ data-styled.g714[id="sc-b1ff6b49-2"]{content:"GlBFr,"}/*!sc*/ .bbqQeU{display:block;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;font-size:16px;line-height:28px;letter-spacing:0.5px;padding:0 24px;overflow-y:auto;max-height:calc(100vh - 0px - 138px);display:none;width:100%;background-color:#FFFFFF;border-top:#D1D1D6 1px solid;padding:24px;z-index:1;box-shadow:0 8px 8px -1px #D1D1D640;}/*!sc*/ @media (min-width: 64rem){.bbqQeU{padding-left:0;padding-right:12px;margin-top:16px;margin-bottom:16px;max-height:calc(100vh - 0px - 101px);}}/*!sc*/ .bbqQeU>ol>li,.bbqQeU>ul>li{margin-bottom:8px;}/*!sc*/ .bbqQeU>ol>li>a,.bbqQeU>ul>li>a{width:100%;}/*!sc*/ @media (min-width: 48rem){.bbqQeU>ol>li,.bbqQeU>ul>li{margin-bottom:16px;}.bbqQeU>ol>li :last-child,.bbqQeU>ul>li :last-child{margin-bottom:0;}}/*!sc*/ .bbqQeU li>ol{list-style:decimal inside;}/*!sc*/ .bbqQeU li>ul{list-style:none inside;}/*!sc*/ .bbqQeU li>ul>li>a{width:100%;}/*!sc*/ .bbqQeU li>ol>li>a{width:calc(100% - 23px);}/*!sc*/ .bbqQeU li>ul,.bbqQeU li>ol{padding-left:24px;}/*!sc*/ .bbqQeU li>ul>li>a,.bbqQeU li>ol>li>a{vertical-align:text-top;}/*!sc*/ .bbqQeU li>ul>li,.bbqQeU li>ol>li{margin-bottom:16px;line-height:20px;}/*!sc*/ @media (min-width: 64rem){.bbqQeU li>ul>li,.bbqQeU li>ol>li,.bbqQeU li>ul>li>a,.bbqQeU li>ol>li>a{color:#111111;}}/*!sc*/ .bbqQeU li>ul>li:first-child,.bbqQeU li>ol>li:first-child{margin-top:16px;}/*!sc*/ .bbqQeU a{color:#111111;-webkit-text-decoration:none;text-decoration:none;display:inline-block;position:relative;}/*!sc*/ .bbqQeU a:not(:only-child){width:100%;padding-right:18px;position:relative;}/*!sc*/ .bbqQeU a:not(:only-child):after{content:url("/icons/BreadcrumbsBlackSeparator.svg");-webkit-transition:-webkit-transform 0.3s;transition:transform 0.3s;position:absolute;right:0;width:18px;height:18px;margin:5px 0;}/*!sc*/ .bbqQeU a:not(:only-child):hover::after{content:url("/icons/BreadcrumbsSeparatorHover.svg");}/*!sc*/ .bbqQeU a.closed+ol,.bbqQeU a.closed+ul{display:none;}/*!sc*/ .bbqQeU a.open+ol,.bbqQeU a.open+ul{display:block;font-weight:400;}/*!sc*/ .bbqQeU a.open:after{-webkit-transform:rotate(180deg);-moz-transform:rotate(180deg);-ms-transform:rotate(180deg);transform:rotate(180deg);}/*!sc*/ .bbqQeU a.active-link{color:#008462;}/*!sc*/ .bbqQeU a.active-link.open::after,.bbqQeU a.active-link.closed::after{content:url("/icons/BreadcrumbsSeparatorHover.svg");}/*!sc*/ .bbqQeU a:hover{color:#008462;}/*!sc*/ .bbqQeU li>ul>li a:not(:only-child):after,.bbqQeU li>ol>li a:not(:only-child):after{margin:1px 0;}/*!sc*/ .diyRdl{display:block;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;font-size:16px;line-height:28px;letter-spacing:0.5px;padding:0 24px;overflow-y:auto;max-height:calc(100vh - 0px - 138px);}/*!sc*/ @media (min-width: 64rem){.diyRdl{padding-left:0;padding-right:12px;margin-top:16px;margin-bottom:16px;max-height:calc(100vh - 0px - 101px);}}/*!sc*/ .diyRdl>ol>li,.diyRdl>ul>li{margin-bottom:8px;}/*!sc*/ .diyRdl>ol>li>a,.diyRdl>ul>li>a{width:100%;}/*!sc*/ @media (min-width: 48rem){.diyRdl>ol>li,.diyRdl>ul>li{margin-bottom:16px;}.diyRdl>ol>li :last-child,.diyRdl>ul>li :last-child{margin-bottom:0;}}/*!sc*/ .diyRdl li>ol{list-style:decimal inside;}/*!sc*/ .diyRdl li>ul{list-style:none inside;}/*!sc*/ .diyRdl li>ul>li>a{width:100%;}/*!sc*/ .diyRdl li>ol>li>a{width:calc(100% - 23px);}/*!sc*/ .diyRdl li>ul,.diyRdl li>ol{padding-left:24px;}/*!sc*/ .diyRdl li>ul>li>a,.diyRdl li>ol>li>a{vertical-align:text-top;}/*!sc*/ .diyRdl li>ul>li,.diyRdl li>ol>li{margin-bottom:16px;line-height:20px;}/*!sc*/ @media (min-width: 64rem){.diyRdl li>ul>li,.diyRdl li>ol>li,.diyRdl li>ul>li>a,.diyRdl li>ol>li>a{color:#111111;}}/*!sc*/ .diyRdl li>ul>li:first-child,.diyRdl li>ol>li:first-child{margin-top:16px;}/*!sc*/ .diyRdl a{color:#111111;-webkit-text-decoration:none;text-decoration:none;display:inline-block;position:relative;}/*!sc*/ .diyRdl a:not(:only-child){width:100%;padding-right:18px;position:relative;}/*!sc*/ .diyRdl a:not(:only-child):after{content:url("/icons/BreadcrumbsBlackSeparator.svg");-webkit-transition:-webkit-transform 0.3s;transition:transform 0.3s;position:absolute;right:0;width:18px;height:18px;margin:5px 0;}/*!sc*/ .diyRdl a:not(:only-child):hover::after{content:url("/icons/BreadcrumbsSeparatorHover.svg");}/*!sc*/ .diyRdl a.closed+ol,.diyRdl a.closed+ul{display:none;}/*!sc*/ .diyRdl a.open+ol,.diyRdl a.open+ul{display:block;font-weight:400;}/*!sc*/ .diyRdl a.open:after{-webkit-transform:rotate(180deg);-moz-transform:rotate(180deg);-ms-transform:rotate(180deg);transform:rotate(180deg);}/*!sc*/ .diyRdl a.active-link{color:#008462;}/*!sc*/ .diyRdl a.active-link.open::after,.diyRdl a.active-link.closed::after{content:url("/icons/BreadcrumbsSeparatorHover.svg");}/*!sc*/ .diyRdl a:hover{color:#008462;}/*!sc*/ .diyRdl li>ul>li a:not(:only-child):after,.diyRdl li>ol>li a:not(:only-child):after{margin:1px 0;}/*!sc*/ data-styled.g715[id="sc-b1ff6b49-3"]{content:"bbqQeU,diyRdl,"}/*!sc*/ .dsAQFp{width:100%;line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCompact_75b0c8','__graphikCompact_Fallback_75b0c8',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:1rem;font-weight:600;color:#FFFFFF;border-bottom:#D1D1D6 1px solid;padding-bottom:16px;height:80%;overflow:hidden;display:none;}/*!sc*/ .dsAQFp.dropdown{width:-webkit-fit-content;width:-moz-fit-content;width:fit-content;border-bottom:none;margin:0;padding:0 24px;}/*!sc*/ @media (min-width: 32rem){.dsAQFp{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}.dsAQFp.dropdown{border-right:#F2F2F2 1px solid;}}/*!sc*/ @media (min-width: 48rem){.dsAQFp{font-size:20px;}}/*!sc*/ @media (min-width: 64rem){.dsAQFp{color:#111111;max-width:100%;}}/*!sc*/ data-styled.g716[id="sc-b1ff6b49-4"]{content:"dsAQFp,"}/*!sc*/ .heJLex{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:100%;-webkit-box-flex:1;-webkit-flex-grow:1;-ms-flex-positive:1;flex-grow:1;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;padding:0 24px;cursor:pointer;}/*!sc*/ .heJLex>span{display:inline;line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCompact_75b0c8','__graphikCompact_Fallback_75b0c8',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:0.875rem;font-weight:600;color:#FFFFFF;}/*!sc*/ .heJLex:after{content:'';background:url('/icons/ArrowWhite.svg') no-repeat center/contain;width:18px;height:18px;}/*!sc*/ data-styled.g717[id="sc-b1ff6b49-5"]{content:"heJLex,"}/*!sc*/ .fcwKfv{display:-ms-grid;display:grid;-ms-grid-rows:auto;grid-template-rows:auto;gap:40px var(--Grid-Gap);-ms-grid-columns:repeat(4, 1fr);grid-template-columns:repeat(4, 1fr);grid-template-areas:"topSection topSection topSection topSection" "toc toc toc toc" "articleContent articleContent articleContent articleContent" "bottomSection bottomSection bottomSection bottomSection";}/*!sc*/ .fcwKfv>.top-section{grid-area:topSection;}/*!sc*/ .fcwKfv>.toc{grid-area:toc;position:-webkit-sticky;position:sticky;z-index:1000;top:0px;}/*!sc*/ .fcwKfv>.article-content{grid-area:articleContent;}/*!sc*/ .fcwKfv>.bottom-section{grid-area:bottomSection;}/*!sc*/ @media (min-width: 48rem){.fcwKfv{-ms-grid-columns:repeat(8, 1fr);grid-template-columns:repeat(8, 1fr);grid-template-areas:"topSection topSection topSection topSection topSection topSection topSection topSection" "toc toc toc toc toc toc toc toc" "articleContent articleContent articleContent articleContent articleContent articleContent articleContent articleContent" "bottomSection bottomSection bottomSection bottomSection bottomSection bottomSection bottomSection bottomSection";}}/*!sc*/ @media (min-width: 64rem){.fcwKfv{max-width:100%;-ms-grid-columns:minmax(237px, 361px) minmax(650px, 700px) 1fr;grid-template-columns:minmax(237px, 361px) minmax(650px, 700px) 1fr;grid-template-areas:"topSection topSection topSection" "toc articleContent ." "toc bottomSection .";}}/*!sc*/ data-styled.g719[id="sc-82385409-0"]{content:"fcwKfv,"}/*!sc*/ .lbNltL{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;gap:40px;max-width:min(100%, 700px);line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'Georgia',Times New Roman,Playfair Display,Georgia,Serif;font-size:1.125rem;margin:auto;}/*!sc*/ .lbNltL p{margin-top:24px;margin-bottom:24px;word-break:break-word;}/*!sc*/ .lbNltL sup{vertical-align:top;position:relative;top:-0.15em;}/*!sc*/ .lbNltL h1,.lbNltL h2,.lbNltL h3,.lbNltL h4,.lbNltL h5,.lbNltL h6{margin:16px auto;}/*!sc*/ .lbNltL .wp-block-image{margin:16px 0;}/*!sc*/ @media (max-width: 47.95rem){.lbNltL .wp-block-image{margin:0 -16px!important;max-width:unset!important;}}/*!sc*/ .lbNltL figure{margin:0px;display:initial;}/*!sc*/ .lbNltL figcaption{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:14px;font-weight:500;letter-spacing:0.58px;line-height:21px;margin-top:8px;}/*!sc*/ @media (max-width: 47.95rem){.lbNltL figcaption{margin:8px 16px 0;}}/*!sc*/ .lbNltL .image-credit{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;color:#666666;font-size:12px;letter-spacing:1px;line-height:18px;text-transform:uppercase;margin-bottom:24px;}/*!sc*/ @media (max-width: 47.95rem){.lbNltL .image-credit{margin:0 16px 24px;}}/*!sc*/ .lbNltL .wp-block-quote{margin:0px;margin-bottom:24px;padding-left:16px;padding-right:16px;}/*!sc*/ @media (min-width: 80rem){.lbNltL .wp-block-quote{padding-left:0;padding-right:0;}}/*!sc*/ .lbNltL .wp-block-quote blockquote{margin:0px;}/*!sc*/ .lbNltL .wp-block-quote p{position:relative;color:#E31E23;font-family:'__saol_40b425','__saol_Fallback_40b425',Times New Roman,Playfair Display,Georgia,Serif;font-weight:600;font-size:24px;line-height:24px;margin:0px;}/*!sc*/ @media(min-width: 48rem){.lbNltL .wp-block-quote p{font-size:34px;line-height:34px;letter-spacing:0.256px;}}/*!sc*/ @media (min-width: 80rem){.lbNltL .wp-block-quote p{font-size:48px;line-height:48px;}}/*!sc*/ .lbNltL .wp-block-quote p:before{content:",,";display:inline-block;padding-top:2px;-webkit-transform:rotate(0.5turn);-moz-transform:rotate(0.5turn);-ms-transform:rotate(0.5turn);transform:rotate(0.5turn);}/*!sc*/ @media (min-width: 48rem){.lbNltL .wp-block-quote p:before{padding-top:4px;}}/*!sc*/ .lbNltL .wp-block-quote p:after{content:",,";position:absolute;bottom:12px;}/*!sc*/ @media (min-width: 48rem){.lbNltL .wp-block-quote p:after{bottom:16px;}}/*!sc*/ @media (min-width: 80rem){.lbNltL .wp-block-quote p:after{bottom:24px;}}/*!sc*/ .lbNltL .wp-block-quote cite{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:12px;font-style:normal;font-weight:700;letter-spacing:1px;line-height:18px;text-transform:uppercase;}/*!sc*/ @media(min-width: 48rem){.lbNltL .wp-block-quote cite{font-size:16px;}}/*!sc*/ .lbNltL .wp-block-pullquote{margin:0px;}/*!sc*/ .lbNltL .wp-block-pullquote blockquote{margin:0px;}/*!sc*/ .lbNltL .wp-block-pullquote p{color:#E31E23;font-family:'__saol_40b425','__saol_Fallback_40b425',Times New Roman,Playfair Display,Georgia,Serif;font-size:48px;font-weight:600;line-height:1;margin:0px 0px 4px 0px;}/*!sc*/ .lbNltL .wp-block-pullquote cite{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:16px;font-style:normal;font-weight:700;letter-spacing:1px;line-height:24px;text-transform:uppercase;}/*!sc*/ .lbNltL .wp-block-longquote,.lbNltL .wp-block-custom-block-longquote{border-left:16px solid #eff8fa;margin:16px auto;padding-left:24px;}/*!sc*/ .lbNltL .wp-block-longquote p,.lbNltL .wp-block-custom-block-longquote p{margin:0px 0px 16px;}/*!sc*/ .lbNltL .wp-block-longquote cite,.lbNltL .wp-block-custom-block-longquote cite{font-style:normal;}/*!sc*/ .lbNltL h3:last-of-type{color:#111111;display:block;font-family:'__saol_40b425','__saol_Fallback_40b425',Times New Roman,Playfair Display,Georgia,Serif;font-size:24px;font-weight:700;letter-spacing:.035rem;line-height:1;margin:0px 0px 16px;}/*!sc*/ .lbNltL h3:last-of-type em{font-style:normal;}/*!sc*/ .lbNltL .vodvideocontainer{width:100%;padding-bottom:0!important;}/*!sc*/ @media (min-width: 48rem){.lbNltL .vodvideocontainer{width:512px!important;height:310px!important;}}/*!sc*/ @media(min-width: 64rem){.lbNltL .vodvideocontainer{width:550px!important;height:310px!important;}}/*!sc*/ @media(min-width: 72rem){.lbNltL .vodvideocontainer{width:698px!important;height:392px!important;margin-left:-20px!important;}}/*!sc*/ @media (min-width: 80rem){.lbNltL .vodvideocontainer{width:800px!important;height:480px!important;margin-left:-5px!important;}}/*!sc*/ @media (min-width: 90rem){.lbNltL .vodvideocontainer{margin-left:-10px!important;width:110%!important;height:450px!important;}}/*!sc*/ .lbNltL .wp-block-columns-is-layout-flex{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;}/*!sc*/ .lbNltL .wp-block-columns-is-layout-flex:has(.has-horizontal-align-left){-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;}/*!sc*/ .lbNltL .wp-block-columns-is-layout-flex:has(.has-horizontal-align-right){-webkit-box-pack:end;-ms-flex-pack:end;-webkit-justify-content:flex-end;justify-content:flex-end;}/*!sc*/ .lbNltL .has-vivid-cyan-blue-color{content:url('/icons/ProIcon.svg');padding-left:24px;}/*!sc*/ .lbNltL .has-vivid-purple-color{content:url('/icons/ConIcon.svg');padding-left:24px;}/*!sc*/ .lbNltL .simple-table-widget{margin:24px 0;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;}/*!sc*/ .lbNltL .simple-table-widget h3{margin:0;padding:0 16px 8px 16px;line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:1rem;font-weight:600;}/*!sc*/ @media(min-width: 32rem){.lbNltL .simple-table-widget h3{padding:8px 24px 12px 24px;line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:1.5rem;font-weight:600;}}/*!sc*/ .lbNltL .simple-table-widget mark{display:block;line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:0.75rem;font-weight:600;color:#008462;}/*!sc*/ .lbNltL .simple-table-widget mark+br{display:none;}/*!sc*/ .lbNltL .simple-table-widget table{border-collapse:collapse;width:100%;}/*!sc*/ .lbNltL .simple-table-widget table ul,.lbNltL .simple-table-widget table ol{margin:0;}/*!sc*/ .lbNltL .simple-table-widget tr:has(.has-light-green-cyan-color, .has-vivid-green-cyan-color){background-color:#eff8fa!important;border:2px solid #007B9D;}/*!sc*/ .lbNltL .simple-table-widget tr:not(:has(th)){border-top:2px solid #D1D1D6;}/*!sc*/ .lbNltL .simple-table-widget tr:not(:has(th)):has(.has-light-green-cyan-color, .has-vivid-green-cyan-color){border-top:2px solid #007B9D;}/*!sc*/ .lbNltL .simple-table-widget tr:not(:has(th)):nth-child(1){border-top:2px solid #008462;}/*!sc*/ .lbNltL .simple-table-widget tr:not(:has(th)):nth-child(1):has(.has-light-green-cyan-color, .has-vivid-green-cyan-color){border-top:2px solid #007B9D;}/*!sc*/ .lbNltL .simple-table-widget tr:nth-child(even){background-color:#F2F2F2;}/*!sc*/ .lbNltL .simple-table-widget th{font-weight:600;line-height:19px;padding:24px 16px;text-align:left;}/*!sc*/ .lbNltL .simple-table-widget td{padding:24px 16px;line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:1rem;font-weight:400;}/*!sc*/ .lbNltL .simple-table-widget td:nth-child(1),.lbNltL .simple-table-widget th:nth-child(1){width:50%;line-height:19px;position:relative;}/*!sc*/ .lbNltL .simple-table-widget td:nth-child(1)::after,.lbNltL .simple-table-widget th:nth-child(1)::after{content:"";border-right:1px solid #D1D1D6;position:absolute;top:8px;bottom:8px;right:0px;}/*!sc*/ @media(min-width: 32rem){.lbNltL .simple-table-widget td:nth-child(1),.lbNltL .simple-table-widget th:nth-child(1){width:33%;padding:24px 16px 24px 24px;}}/*!sc*/ .lbNltL ul{-webkit-padding-start:16px;padding-inline-start:16px;list-style:outside;}/*!sc*/ .lbNltL ol{-webkit-padding-start:16px;padding-inline-start:16px;}/*!sc*/ .lbNltL li{list-style-position:outside;margin-bottom:8px;}/*!sc*/ .lbNltL li::marker{color:#666666;}/*!sc*/ .lbNltL a:not(.styled-custom-link){color:#007B9D;}/*!sc*/ .lbNltL a:not(.styled-custom-link):hover,.lbNltL a:not(.styled-custom-link):hover>*:not(.no-hover){-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .lbNltL a:not(.styled-custom-link):active,.lbNltL a:not(.styled-custom-link):focus,.lbNltL a:not(.styled-custom-link):active>*:not(.no-active),.lbNltL a:not(.styled-custom-link):focus>*:not(.no-focus){-webkit-text-decoration:none;text-decoration:none;color:#666666;}/*!sc*/ .lbNltL .evergreen a{color:#E4121A;}/*!sc*/ .lbNltL .evergreen a:hover,.lbNltL .evergreen a:hover>*:not(.no-hover){color:#E4121A;-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .lbNltL .evergreen a:active,.lbNltL .evergreen a:focus,.lbNltL .evergreen a:active>*:not(.no-active),.lbNltL .evergreen a:focus>*:not(.no-focus){color:#666666;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL a:not(.styled-custom-link),.lbNltL .evergreen a{font-weight:400;letter-spacing:0.5px;line-height:25px;}/*!sc*/ .lbNltL div[class^="rawHtml-content"]{margin-bottom:24px;}/*!sc*/ .lbNltL div[class^="rawHtml-content"] >p:first-of-type{margin-top:0px;}/*!sc*/ .lbNltL div[class^="rawHtml-content"] iframe{aspect-ratio:16/9;}/*!sc*/ @media (min-width: 48rem){.lbNltL div[class^="rawHtml-content"] .paywall-selector{top:10%;}}/*!sc*/ .lbNltL figure[class*="wp-block-embed-youtube"] div.wp-block-embed__wrapper{aspect-ratio:16/9;}/*!sc*/ .lbNltL figure[class*="wp-block-embed-youtube"] div.wp-block-embed__wrapper iframe{width:100%;height:100%;}/*!sc*/ @media (max-width: 47.95rem){.lbNltL div.wp-block-embed__wrapper iframe{width:100%;}.lbNltL .embeddable-savings-calculator{height:800px!important;}}/*!sc*/ .lbNltL .source-caption{border:solid red;}/*!sc*/ .lbNltL .twitter-tweet{margin:auto!important;}/*!sc*/ .lbNltL iframe.instagram-media{margin:auto!important;}/*!sc*/ .lbNltL .wp-block-embed__wrapper{max-width:none;width:100%;}/*!sc*/ @media (min-width: 48rem){.lbNltL .wp-block-embed__wrapper{margin:0 auto 24px auto;padding:0;}}/*!sc*/ .lbNltL figure .wp-block-embed__wrapper{margin:0;}/*!sc*/ .lbNltL div[class^="ntv"]{margin:0;}/*!sc*/ .lbNltL .related-video-container{margin-bottom:32px;}/*!sc*/ .lbNltL .related-video-container h3{font-weight:600;}/*!sc*/ .lbNltL .related-video-container hr{margin:0px 0px 16px;}/*!sc*/ .lbNltL .wp-block-button{position:relative;}/*!sc*/ .lbNltL .wp-block-button >a::before{content:'';position:absolute;inset:0;}/*!sc*/ .lbNltL .wp-block-button a:not(.styled-custom-link){display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;gap:4px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;text-align:center;line-height:150%;letter-spacing:0.5px;box-sizing:border-box;background-color:#008462;color:#FFFFFF;padding:12px 16px;font-size:14px;min-height:48px;color:#FFFFFF!important;-webkit-text-decoration:none!important;text-decoration:none!important;}/*!sc*/ .lbNltL .wp-block-button a:not(.styled-custom-link)::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .wp-block-button a:not(.styled-custom-link):hover,.lbNltL .wp-block-button a:not(.styled-custom-link):focus{background-color:#015D45;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .wp-block-button a:not(.styled-custom-link):active,.lbNltL .wp-block-button a:not(.styled-custom-link):focus{box-shadow:0 0 5px 0 #007B9D;outline:none;}/*!sc*/ .lbNltL .wp-block-button a:not(.styled-custom-link):disabled{background-color:#D1D1D6;border-color:#D1D1D6;color:#666666;cursor:not-allowed;}/*!sc*/ .lbNltL .wp-block-button a:not(.styled-custom-link):disabled:hover,.lbNltL .wp-block-button a:not(.styled-custom-link):disabled:focus,.lbNltL .wp-block-button a:not(.styled-custom-link):disabled:active{color:#666666;background-color:#D1D1D6;border-color:#D1D1D6;outline:none;box-shadow:none;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .wp-block-button a:not(.styled-custom-link):disabled:hover::after,.lbNltL .wp-block-button a:not(.styled-custom-link):disabled:focus::after,.lbNltL .wp-block-button a:not(.styled-custom-link):disabled:active::after{border-color:#666666;}/*!sc*/ .lbNltL .wp-block-button a:not(.styled-custom-link):disabled::after{border-color:#666666;}/*!sc*/ .lbNltL .table-container{overflow:auto;}/*!sc*/ .lbNltL .product-card-inline-wrapper{border-top:3px solid #00CD98;box-shadow:0px 4px 20px 0px #11111126;padding:0 16px 16px;margin:24px 0;display:-ms-grid;display:grid;-ms-grid-columns:1fr 1fr;grid-template-columns:1fr 1fr;gap:16px;}/*!sc*/ .lbNltL .product-card-inline-wrapper ul,.lbNltL .product-card-inline-wrapper ol{color:#111111;line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:1rem;list-style-type:disc;padding:0;}/*!sc*/ .lbNltL .product-card-inline-wrapper ul:not(.card-rates-list) li,.lbNltL .product-card-inline-wrapper ol:not(.card-rates-list) li{list-style-type:none;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}/*!sc*/ .lbNltL .product-card-inline-wrapper ul:not(.card-rates-list) li::before,.lbNltL .product-card-inline-wrapper ol:not(.card-rates-list) li::before{-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;content:"";display:inline-block;width:6px;height:6px;background-color:#D1D1D6;border-radius:50%;margin:calc(1rem/2) calc(1rem/2) calc(1rem/2) 0px;}/*!sc*/ .lbNltL .product-card-inline-wrapper table{margin-top:16px;width:100%;border-collapse:collapse;}/*!sc*/ .lbNltL .product-card-inline-wrapper table tr:not(:last-child){border-bottom:1px solid #D1D1D6;}/*!sc*/ .lbNltL .product-card-inline-wrapper table td,.lbNltL .product-card-inline-wrapper table th{padding:8px 0;line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:1rem;font-weight:600;}/*!sc*/ .lbNltL .product-card-inline-wrapper table td{color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper table td:nth-child(even){color:#008462;text-align:right;}/*!sc*/ .lbNltL .product-card-inline-wrapper table th{color:#111111;text-align:left;}/*!sc*/ .lbNltL .product-card-inline-wrapper table th:nth-child(even){text-align:right;}/*!sc*/ .lbNltL .product-card-inline-wrapper div[role="tooltip"]{position:relative;display:inline-block;width:24px;height:24px;cursor:pointer;z-index:3;margin:-6px 0;background-image:url('/icons/TooltipIcon.svg');-webkit-background-size:70%;background-size:70%;-webkit-background-position:center;background-position:center;background-repeat:no-repeat;}/*!sc*/ .lbNltL .product-card-inline-wrapper div[role="tooltip"]:hover,.lbNltL .product-card-inline-wrapper div[role="tooltip"]:focus,.lbNltL .product-card-inline-wrapper div[role="tooltip"]:focus-within{z-index:4;}/*!sc*/ .lbNltL .product-card-inline-wrapper div[role="tooltip"]>svg{display:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper div[role="tooltip"]:focus:before,.lbNltL .product-card-inline-wrapper div[role="tooltip"]:hover:before{background:#0084621A;border-radius:50%;}/*!sc*/ .lbNltL .product-card-inline-wrapper div[role="tooltip"]:focus:before{background:#00846233;}/*!sc*/ .lbNltL .product-card-inline-wrapper div[role="tooltip"]:focus:after,.lbNltL .product-card-inline-wrapper div[role="tooltip"]:hover:after{position:absolute;z-index:3;font-family:'__graphikCompact_75b0c8','__graphikCompact_Fallback_75b0c8',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:400;font-size:16px;line-height:19px;padding:8px;width:175px;background-color:#FFFFFF;box-shadow:2px 2px 4px #11111126;color:#111111;content:attr(data-tooltip);right:0;bottom:0;-webkit-transform:translate(0, -24px);-moz-transform:translate(0, -24px);-ms-transform:translate(0, -24px);transform:translate(0, -24px);border-bottom:4px solid #008462;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-banner{-ms-grid-column:1;-ms-grid-column-span:2;grid-column:1/span 2;-ms-grid-row:1;grid-row:1;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;background-color:#008462;color:#FFFFFF;padding:8px;font-size:16px;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;line-height:150%;margin:-3px -16px 0px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .cta-caption{color:#666666!important;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:14px;font-weight:400;line-height:21px;letter-spacing:0.5px;text-align:center;margin:8px 0 0 0;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-1{-ms-grid-column:1;-ms-grid-column-span:2;grid-column:1/span 2;-ms-grid-row:3;grid-row:3;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-1 .card-title{margin:0px 0px 24px;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:32px;line-height:120%;font-weight:600;letter-spacing:0.5px;display:inline-block;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-1 .card-title a{color:#111111;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:32px;line-height:120%;font-weight:600;letter-spacing:0.5px;display:inline-block;font-weight:inherit;font-family:inherit;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-1 .card-title a:hover,.lbNltL .product-card-inline-wrapper .card-area-1 .card-title a:hover>*:not(.no-hover),.lbNltL .product-card-inline-wrapper .card-area-1 .card-title a:focus,.lbNltL .product-card-inline-wrapper .card-area-1 .card-title a:focus>*:not(.no-focus){color:#007B9D;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-1 .card-title a:active,.lbNltL .product-card-inline-wrapper .card-area-1 .card-title a:active>*:not(.no-active){color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-1 .card-title+.card-subtitle{margin-top:-16px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-1 .card-subtitle+.card-intro{margin-top:16px;}/*!sc*/ @media (min-width: 48rem){.lbNltL .product-card-inline-wrapper .card-area-1 .card-subtitle+.card-intro{margin-top:24px;}}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-1 .card-subtitle{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:16px;line-height:120%;letter-spacing:0.16px;color:#111111;display:block;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-1 .card-subtitle-ad{font-size:20px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-1 .card-subtitle+.card-description{margin-top:24px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-1 .card-intro{padding:8px;background-color:#E6FAF5;color:#111111;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:16px;line-height:150%;font-weight:400;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-1 .card-intro>*:nth-child(1){margin:0;font-size:16px;font-style:normal;font-weight:600;line-height:120%;text-transform:uppercase;margin-bottom:8px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-1 .card-description{color:#111111;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:16px;font-weight:400;line-height:120%;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-2{-ms-grid-column:1;-ms-grid-column-span:1;grid-column:1/span 1;-ms-grid-row:2;grid-row:2;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-2 img{width:100%;max-height:200px;object-fit:contain;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-2 .card-image-caption,.lbNltL .product-card-inline-wrapper .card-area-2 a{color:#007B9D;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:12px;font-weight:400;line-height:18px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-2 .card-image-caption:hover,.lbNltL .product-card-inline-wrapper .card-area-2 a:hover,.lbNltL .product-card-inline-wrapper .card-area-2 .card-image-caption:hover>*:not(.no-hover),.lbNltL .product-card-inline-wrapper .card-area-2 a:hover>*:not(.no-hover){-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-2 .card-image-caption:active,.lbNltL .product-card-inline-wrapper .card-area-2 a:active,.lbNltL .product-card-inline-wrapper .card-area-2 .card-image-caption:focus,.lbNltL .product-card-inline-wrapper .card-area-2 a:focus,.lbNltL .product-card-inline-wrapper .card-area-2 .card-image-caption:active>*:not(.no-active),.lbNltL .product-card-inline-wrapper .card-area-2 a:active>*:not(.no-active),.lbNltL .product-card-inline-wrapper .card-area-2 .card-image-caption:focus>*:not(.no-focus),.lbNltL .product-card-inline-wrapper .card-area-2 a:focus>*:not(.no-focus){-webkit-text-decoration:none;text-decoration:none;color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;-ms-grid-column:1;-ms-grid-column-span:2;grid-column:1/span 2;-ms-grid-row:4;grid-row:4;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;gap:4px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;text-align:center;line-height:150%;letter-spacing:0.5px;box-sizing:border-box;background-color:#008462;color:#FFFFFF;padding:16px 32px;font-size:16px;width:100%;padding:16px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop:hover,.lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop:focus{background-color:#015D45;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop:active,.lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop:focus{box-shadow:0 0 5px 0 #007B9D;outline:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop:disabled{background-color:#D1D1D6;border-color:#D1D1D6;color:#666666;cursor:not-allowed;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop:disabled:hover,.lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop:disabled:focus,.lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop:disabled:active{color:#666666;background-color:#D1D1D6;border-color:#D1D1D6;outline:none;box-shadow:none;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop:disabled:hover::after,.lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop:disabled:focus::after,.lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop:disabled:active::after{border-color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop:disabled::after{border-color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.button-desktop svg{display:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;gap:4px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;text-align:center;line-height:150%;letter-spacing:0.5px;box-sizing:border-box;color:#007B9D;background-color:transparent;border:1px solid transparent;line-height:120%;position:relative;font-size:16px;margin:16px 32px;margin:16px;font-size:26px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop:hover,.lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop:focus-visible{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop:focus-visible{border:1px solid #007B9D;box-shadow:none;outline:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop:active{box-shadow:none;border:1px solid transparent;color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop:active::after{border-color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop::after{border-color:#007B9D;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop::before{content:' ';position:absolute;inset:-16px -32px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop:disabled{color:#666666;box-shadow:none;border:1px solid transparent;cursor:not-allowed;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop:disabled:hover,.lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop:disabled:focus,.lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop:disabled:active{color:#666666;border:1px solid transparent;box-shadow:none;-webkit-text-decoration:none;text-decoration:none;outline:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop:disabled:hover::after,.lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop:disabled:focus::after,.lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop:disabled:active::after{border-color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop:disabled::after{border-color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop::before{inset:-16px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-3 a.link-desktop::after{width:14px;height:14px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4{-ms-grid-column:1;-ms-grid-column-span:2;grid-column:1/span 2;-ms-grid-row:5;grid-row:5;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-rates-title{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:16px;font-weight:600;line-height:20px;margin:0;margin-bottom:10px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-rates-list li{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;gap:8px;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:16px;font-weight:400;line-height:150%;margin-bottom:10px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-rates-list li .circle{font-size:12px;font-weight:600;text-align:center;color:#FFFFFF;background:#00CD98;border-radius:50%;min-width:24px;width:24px;height:24px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;color:#252525;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:16px;font-weight:400;line-height:150%;letter-spacing:0.25px;overflow:hidden;-webkit-transition:all 0.3s ease;transition:all 0.3s ease;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]{display:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>label{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;padding:16px 0 8px;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:16px;font-weight:600;line-height:20px;border-bottom:1px solid#D1D1D6;text-transform:uppercase;margin-bottom:16px;cursor:pointer;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>label svg{display:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>label::after{content:url('/icons/BreadcrumbsGreenSeparator.svg');width:18px;height:18px;display:inline-block;-webkit-transform:scale(1.3);-moz-transform:scale(1.3);-ms-transform:scale(1.3);transform:scale(1.3);-webkit-transition:-webkit-transform 0.7s ease;transition:transform 0.7s ease;stroke:#008462;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked+label{color:#008462;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked+label svg{-webkit-transform:rotate(270deg) scale(1.3);-moz-transform:rotate(270deg) scale(1.3);-ms-transform:rotate(270deg) scale(1.3);transform:rotate(270deg) scale(1.3);}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked+label::after{-webkit-transform:rotate(180deg) scale(1.3);-moz-transform:rotate(180deg) scale(1.3);-ms-transform:rotate(180deg) scale(1.3);transform:rotate(180deg) scale(1.3);-webkit-transition:-webkit-transform 0.7s ease;transition:transform 0.7s ease;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>.card-accordion-panel{display:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked+label+.card-accordion-panel{display:block;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>a,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>.cta-caption{display:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~.cta-caption{display:block;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a{width:100%;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;gap:4px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;text-align:center;line-height:150%;letter-spacing:0.5px;box-sizing:border-box;background-color:#008462;color:#FFFFFF;padding:16px 32px;font-size:16px;margin-top:16px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile:hover,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile:focus{background-color:#015D45;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile:active,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile:focus{box-shadow:0 0 5px 0 #007B9D;outline:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile:disabled{background-color:#D1D1D6;border-color:#D1D1D6;color:#666666;cursor:not-allowed;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile:disabled:hover,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile:disabled:focus,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile:disabled:active{color:#666666;background-color:#D1D1D6;border-color:#D1D1D6;outline:none;box-shadow:none;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile:disabled:hover::after,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile:disabled:focus::after,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile:disabled:active::after{border-color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile:disabled::after{border-color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile svg{display:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;gap:4px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;text-align:center;line-height:150%;letter-spacing:0.5px;box-sizing:border-box;color:#007B9D;background-color:transparent;border:1px solid transparent;line-height:120%;position:relative;font-size:16px;margin:16px 32px;padding:16px;margin:0;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile:hover,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile:focus-visible{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile:focus-visible{border:1px solid #007B9D;box-shadow:none;outline:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile:active{box-shadow:none;border:1px solid transparent;color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile:active::after{border-color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile::after{border-color:#007B9D;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile::before{content:' ';position:absolute;inset:-16px -32px;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile:disabled{color:#666666;box-shadow:none;border:1px solid transparent;cursor:not-allowed;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile:disabled:hover,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile:disabled:focus,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile:disabled:active{color:#666666;border:1px solid transparent;box-shadow:none;-webkit-text-decoration:none;text-decoration:none;outline:none;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile:disabled:hover::after,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile:disabled:focus::after,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile:disabled:active::after{border-color:#666666;}/*!sc*/ .lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile:disabled::after{border-color:#666666;}/*!sc*/ @media (min-width: 48rem){.lbNltL .product-card-inline-wrapper{padding:0 24px 24px;-ms-grid-columns:1fr 168px;grid-template-columns:1fr 168px;gap:24px;}.lbNltL .product-card-inline-wrapper .card-banner{margin:-3px -24px 0px;}.lbNltL .product-card-inline-wrapper .card-area-1{-ms-grid-column:1;-ms-grid-column-span:1;grid-column:1/span 1;-ms-grid-row:2;-ms-grid-row-span:2;grid-row:2/span 2;}.lbNltL .product-card-inline-wrapper .card-area-2{-ms-grid-column:2;-ms-grid-column-span:1;grid-column:2/span 1;-ms-grid-row:2;grid-row:2;}.lbNltL .product-card-inline-wrapper .card-area-3{-ms-grid-column:2;-ms-grid-column-span:1;grid-column:2/span 1;-ms-grid-row:3;grid-row:3;margin-top:auto;}.lbNltL .product-card-inline-wrapper .card-area-4{-ms-grid-column:1;-ms-grid-column-span:2;grid-column:1/span 2;-ms-grid-row:4;grid-row:4;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion{display:-ms-grid;display:grid;grid-column:auto;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>label{padding:8px 24px;-ms-grid-row:2/auto;grid-row:2/auto;border-bottom:1px solid #D1D1D6;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>label svg{display:none;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>label::after{display:none;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion:after{content:'';-ms-grid-row:2/auto;grid-row:2/auto;border-bottom:1px solid#D1D1D6;margin-bottom:16px;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked+label{border-bottom:1px solid #008462;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>.card-accordion-panel{-ms-grid-row:3/auto;grid-row:3/auto;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.four-panels{-ms-grid-columns:repeat(4, auto) 1fr;grid-template-columns:repeat(4, auto) 1fr;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.four-panels .card-accordion-panel{-ms-grid-column:1;-ms-grid-column-span:5;grid-column:1/span 5;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.four-pannels{-ms-grid-columns:repeat(4, auto) 1fr;grid-template-columns:repeat(4, auto) 1fr;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.four-pannels .card-accordion-panel{-ms-grid-column:1;-ms-grid-column-span:5;grid-column:1/span 5;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.one-panel{-ms-grid-columns:repeat(1, auto) 1fr;grid-template-columns:repeat(1, auto) 1fr;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.one-panel .card-accordion-panel{-ms-grid-column:1;-ms-grid-column-span:2;grid-column:1/span 2;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.one-pannel{-ms-grid-columns:repeat(1, auto) 1fr;grid-template-columns:repeat(1, auto) 1fr;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.one-pannel .card-accordion-panel{-ms-grid-column:1;-ms-grid-column-span:2;grid-column:1/span 2;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.three-panels{-ms-grid-columns:repeat(3, auto) 1fr;grid-template-columns:repeat(3, auto) 1fr;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.three-panels .card-accordion-panel{-ms-grid-column:1;-ms-grid-column-span:4;grid-column:1/span 4;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.three-pannels{-ms-grid-columns:repeat(3, auto) 1fr;grid-template-columns:repeat(3, auto) 1fr;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.three-pannels .card-accordion-panel{-ms-grid-column:1;-ms-grid-column-span:4;grid-column:1/span 4;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.two-panels{-ms-grid-columns:repeat(2, auto) 1fr;grid-template-columns:repeat(2, auto) 1fr;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.two-panels .card-accordion-panel{-ms-grid-column:1;-ms-grid-column-span:3;grid-column:1/span 3;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.two-pannels{-ms-grid-columns:repeat(2, auto) 1fr;grid-template-columns:repeat(2, auto) 1fr;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion.two-pannels .card-accordion-panel{-ms-grid-column:1;-ms-grid-column-span:3;grid-column:1/span 3;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>a.button-mobile,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.button-mobile,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>a.link-mobile,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~a.link-mobile{display:none;}.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>p.cta-caption,.lbNltL .product-card-inline-wrapper .card-area-4 .card-accordion>input[type="radio"]:checked~p.cta-caption{display:none;}}/*!sc*/ .lbNltL .comparison-table-group-widget{margin:24px 0;}/*!sc*/ .lbNltL .sponsored-disclosure{line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:1rem;font-weight:600;text-align:center;background-color:#008462;color:#FFFFFF;padding:8px;line-height:24px;max-width:calc(100vw - 48px);margin:0!important;}/*!sc*/ @media (min-width: 48rem){.lbNltL .sponsored-disclosure{max-width:100%;}}/*!sc*/ .lbNltL .comparison-table-widget{display:block;overflow-x:auto;max-width:calc(100vw - 48px);}/*!sc*/ .lbNltL .comparison-table-widget table{border-collapse:collapse;width:100%;min-width:600px;table-layout:fixed;}/*!sc*/ .lbNltL .comparison-table-widget table thead>tr>th,.lbNltL .comparison-table-widget table tbody>tr>*{line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:0.875rem;font-weight:600;line-height:150%;letter-spacing:0.5px;text-align:center;position:relative;width:calc(100% / 3);position:relative;}/*!sc*/ .lbNltL .comparison-table-widget table thead{border-bottom:2px solid #008462;}/*!sc*/ .lbNltL .comparison-table-widget table thead>tr>th{padding:26px 24px 4px 24px;vertical-align:top;overflow:hidden;}/*!sc*/ .lbNltL .comparison-table-widget table thead>tr>th:not(:nth-child(3))::after{content:'';position:absolute;top:0;bottom:4px;right:0;width:1px;background-color:#D1D1D6;margin:auto;}/*!sc*/ .lbNltL .comparison-table-widget table thead>tr>th img{margin-inline:auto;margin-bottom:4px;max-width:90px;aspect-ratio:16/9;overflow:visible;}/*!sc*/ .lbNltL .comparison-table-widget table thead>tr>th br{display:none;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr>*{padding:4px 24px;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:nth-child(4n+3),.lbNltL .comparison-table-widget table tbody>tr:nth-child(4n+4){background-color:#F2F2F2;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:nth-child(2n)>*{line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:0.875rem;font-weight:400;vertical-align:top;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:nth-child(2n)>*:not(:nth-child(3))::after{content:'';position:absolute;top:0;bottom:4px;right:0;width:1px;background-color:#D1D1D6;margin:auto;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:nth-child(2n+1)>*{padding-bottom:0;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:nth-child(2n+1)>*:not(:nth-child(3))::after{content:'';position:absolute;top:4px;bottom:0;right:0;width:1px;background-color:#D1D1D6;margin:auto;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a){color:#666666!important;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:14px;font-weight:400;line-height:21px;letter-spacing:0.5px;text-align:center;margin:8px 0 0 0;padding:8px 24px;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;gap:4px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;text-align:center;line-height:150%;letter-spacing:0.5px;box-sizing:border-box;background-color:#008462;color:#FFFFFF;padding:12px 16px;font-size:14px;min-height:48px;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a:hover,.lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a:focus{background-color:#015D45;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a:active,.lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a:focus{box-shadow:0 0 5px 0 #007B9D;outline:none;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a:disabled{background-color:#D1D1D6;border-color:#D1D1D6;color:#666666;cursor:not-allowed;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a:disabled:hover,.lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a:disabled:focus,.lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a:disabled:active{color:#666666;background-color:#D1D1D6;border-color:#D1D1D6;outline:none;box-shadow:none;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a:disabled:hover::after,.lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a:disabled:focus::after,.lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a:disabled:active::after{border-color:#666666;}/*!sc*/ .lbNltL .comparison-table-widget table tbody>tr:last-child>*:has(a) a:disabled::after{border-color:#666666;}/*!sc*/ .lbNltL .comparison-table-widget.selected-1>table>tbody>tr:nth-child(4n+1)>*:nth-child(1),.lbNltL .comparison-table-widget.selected-1>table>tbody>tr:nth-child(4n+2)>*:nth-child(1){background-color:#E6FAF5;}/*!sc*/ .lbNltL .comparison-table-widget.selected-1>table>tbody>tr:nth-child(4n+3)>*:nth-child(1),.lbNltL .comparison-table-widget.selected-1>table>tbody>tr:nth-child(4n+4)>*:nth-child(1){background-color:#B8F1E2;}/*!sc*/ .lbNltL .comparison-table-widget.selected-1>table>thead>tr>th:nth-child(1){background-color:#E6FAF5;padding-top:4px;}/*!sc*/ .lbNltL .comparison-table-widget.selected-1>table>thead>tr>th:nth-child(1)::before{content:'Current Review';color:#008462;font-size:12px;line-height:150%;letter-spacing:0.5px;display:block;margin-bottom:4px;}/*!sc*/ .lbNltL .comparison-table-widget.link-1>table>tbody>tr:last-child>*:nth-child(1) a{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;color:#007B9D;background:none;padding:0;margin:8px 16px;}/*!sc*/ .lbNltL .comparison-table-widget.link-1>table>tbody>tr:last-child>*:nth-child(1) a::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .comparison-table-widget.link-1>table>tbody>tr:last-child>*:nth-child(1) a:hover{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .lbNltL .comparison-table-widget.link-1>table>tbody>tr:last-child>*:nth-child(1) a:focus,.lbNltL .comparison-table-widget.link-1>table>tbody>tr:last-child>*:nth-child(1) a:active{color:#666666;}/*!sc*/ .lbNltL .comparison-table-widget.selected-2>table>tbody>tr:nth-child(4n+1)>*:nth-child(2),.lbNltL .comparison-table-widget.selected-2>table>tbody>tr:nth-child(4n+2)>*:nth-child(2){background-color:#E6FAF5;}/*!sc*/ .lbNltL .comparison-table-widget.selected-2>table>tbody>tr:nth-child(4n+3)>*:nth-child(2),.lbNltL .comparison-table-widget.selected-2>table>tbody>tr:nth-child(4n+4)>*:nth-child(2){background-color:#B8F1E2;}/*!sc*/ .lbNltL .comparison-table-widget.selected-2>table>thead>tr>th:nth-child(2){background-color:#E6FAF5;padding-top:4px;}/*!sc*/ .lbNltL .comparison-table-widget.selected-2>table>thead>tr>th:nth-child(2)::before{content:'Current Review';color:#008462;font-size:12px;line-height:150%;letter-spacing:0.5px;display:block;margin-bottom:4px;}/*!sc*/ .lbNltL .comparison-table-widget.link-2>table>tbody>tr:last-child>*:nth-child(2) a{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;color:#007B9D;background:none;padding:0;margin:8px 16px;}/*!sc*/ .lbNltL .comparison-table-widget.link-2>table>tbody>tr:last-child>*:nth-child(2) a::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .comparison-table-widget.link-2>table>tbody>tr:last-child>*:nth-child(2) a:hover{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .lbNltL .comparison-table-widget.link-2>table>tbody>tr:last-child>*:nth-child(2) a:focus,.lbNltL .comparison-table-widget.link-2>table>tbody>tr:last-child>*:nth-child(2) a:active{color:#666666;}/*!sc*/ .lbNltL .comparison-table-widget.selected-3>table>tbody>tr:nth-child(4n+1)>*:nth-child(3),.lbNltL .comparison-table-widget.selected-3>table>tbody>tr:nth-child(4n+2)>*:nth-child(3){background-color:#E6FAF5;}/*!sc*/ .lbNltL .comparison-table-widget.selected-3>table>tbody>tr:nth-child(4n+3)>*:nth-child(3),.lbNltL .comparison-table-widget.selected-3>table>tbody>tr:nth-child(4n+4)>*:nth-child(3){background-color:#B8F1E2;}/*!sc*/ .lbNltL .comparison-table-widget.selected-3>table>thead>tr>th:nth-child(3){background-color:#E6FAF5;padding-top:4px;}/*!sc*/ .lbNltL .comparison-table-widget.selected-3>table>thead>tr>th:nth-child(3)::before{content:'Current Review';color:#008462;font-size:12px;line-height:150%;letter-spacing:0.5px;display:block;margin-bottom:4px;}/*!sc*/ .lbNltL .comparison-table-widget.link-3>table>tbody>tr:last-child>*:nth-child(3) a{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;color:#007B9D;background:none;padding:0;margin:8px 16px;}/*!sc*/ .lbNltL .comparison-table-widget.link-3>table>tbody>tr:last-child>*:nth-child(3) a::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .comparison-table-widget.link-3>table>tbody>tr:last-child>*:nth-child(3) a:hover{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .lbNltL .comparison-table-widget.link-3>table>tbody>tr:last-child>*:nth-child(3) a:focus,.lbNltL .comparison-table-widget.link-3>table>tbody>tr:last-child>*:nth-child(3) a:active{color:#666666;}/*!sc*/ @media (min-width: 48rem){.lbNltL .comparison-table-widget{max-width:100%;}}/*!sc*/ .lbNltL .pro-tip-box-widget{padding:24px;margin:24px 0;position:relative;background-color:#F9F9F9;}/*!sc*/ .lbNltL .pro-tip-box-widget p{line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCompact_75b0c8','__graphikCompact_Fallback_75b0c8',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:1rem;position:relative;margin-block:8px;}/*!sc*/ .lbNltL .pro-tip-box-widget p:last-child{margin-bottom:0px;}/*!sc*/ .lbNltL h3.pro-tip-box-heading{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;gap:16px;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:20px;font-weight:600;line-height:120%;letter-spacing:0.5px;position:relative;}/*!sc*/ .lbNltL h3.pro-tip-box-heading::before{content:url('/icons/ProTipBoxLightbulb.svg');}/*!sc*/ @media (min-width: 48rem){.lbNltL h3.pro-tip-box-heading{font-size:24px;}.lbNltL h3.pro-tip-box-heading::before{-webkit-transform:scale(1.2);-moz-transform:scale(1.2);-ms-transform:scale(1.2);transform:scale(1.2);padding-top:5px;}}/*!sc*/ .lbNltL .monthly-article-widget{width:100%;background-color:#E6FAF5;padding:32px;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;position:relative;}/*!sc*/ @media (min-width: 48rem){.lbNltL .monthly-article-widget{padding:40px;}}/*!sc*/ .lbNltL .monthly-article-widget h2{font-size:32px;font-weight:600;line-height:38px;letter-spacing:0.5;margin:0 0 4px 0;}/*!sc*/ @media (min-width: 48rem){.lbNltL .monthly-article-widget h2{font-size:40px;line-height:48px;}}/*!sc*/ .lbNltL .monthly-article-widget p{margin:0;font-size:16px;font-weight:500;line-height:24px;letter-spacing:0.5px;color:#666666;}/*!sc*/ .lbNltL .monthly-article-widget ul{margin:32px 0;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;padding:0;-webkit-column-gap:8px;column-gap:8px;row-gap:16px;}/*!sc*/ .lbNltL .monthly-article-widget ul li{margin:0;list-style-type:none;position:relative;font-size:16px;font-weight:600;line-height:19px;letter-spacing:0.5px;}/*!sc*/ .lbNltL .monthly-article-widget ul li a{color:#111111;padding-right:8px;}/*!sc*/ .lbNltL .monthly-article-widget ul li a:hover,.lbNltL .monthly-article-widget ul li a:hover>*:not(.no-hover),.lbNltL .monthly-article-widget ul li a:focus,.lbNltL .monthly-article-widget ul li a:focus>*:not(.no-focus){color:#007B9D;-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .lbNltL .monthly-article-widget ul li a:active,.lbNltL .monthly-article-widget ul li a:active>*:not(.no-active){-webkit-text-decoration:none;text-decoration:none;color:#666666;}/*!sc*/ @media (min-width: 32rem){.lbNltL .monthly-article-widget ul li:not(:last-child)>a{border-right:1px solid #D1D1D6;}}/*!sc*/ @media (min-width: 48rem){.lbNltL .monthly-article-widget ul{margin:32px 0 0 0;}}/*!sc*/ .lbNltL .monthly-article-widget::after{content:url('/icons/RecommendsSVGLogo.svg');}/*!sc*/ @media (min-width: 48rem){.lbNltL .monthly-article-widget::after{position:absolute;top:40px;right:40px;}}/*!sc*/ .lbNltL .h2h-widget{background:linear-gradient(to bottom, #E6FAF5 370px, #FFFFFF 371px );display:-ms-grid;display:grid;-ms-grid-columns:288px 0 288px;grid-template-columns:288px 0 288px;-ms-grid-rows:repeat(7, auto);grid-template-rows:repeat(7, auto);-ms-grid-column-gap:16px;grid-column-gap:16px;padding:32px;max-width:672px;margin:0 auto;overflow-y:auto;}/*!sc*/ .lbNltL .h2h-widget *{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;line-height:150%;letter-spacing:0.5px;color:#111111;}/*!sc*/ .lbNltL .h2h-widget p{margin:0;font-size:16px;line-height:120%;}/*!sc*/ .lbNltL .h2h-widget >.wp-block-group{padding:24px;background-color:#FFFFFF;box-shadow:4px 4px 20px 0px rgba(17, 17, 17, 0.05);}/*!sc*/ .lbNltL .h2h-widget .h2h-col1{display:-ms-grid;display:grid;-ms-grid-rows:subgrid;grid-template-rows:subgrid;grid-area:1/1/8/2;}/*!sc*/ .lbNltL .h2h-widget .h2h-col1 >.wp-block-group__inner-container{display:-ms-grid;display:grid;-ms-grid-rows:subgrid;grid-template-rows:subgrid;grid-area:1/1/8/2;}/*!sc*/ .lbNltL .h2h-widget .h2h-col1 >.wp-block-group__inner-container>*:not(:empty){min-height:62px;}/*!sc*/ .lbNltL .h2h-widget .h2h-col1 >.wp-block-group__inner-container>*:not(:empty):not(:last-child){margin-bottom:24px;}/*!sc*/ .lbNltL .h2h-widget .h2h-col2{display:-ms-grid;display:grid;-ms-grid-rows:subgrid;grid-template-rows:subgrid;grid-area:1/3/8/4;}/*!sc*/ .lbNltL .h2h-widget .h2h-col2 >.wp-block-group__inner-container{display:-ms-grid;display:grid;-ms-grid-rows:subgrid;grid-template-rows:subgrid;grid-area:1/1/8/2;}/*!sc*/ .lbNltL .h2h-widget .h2h-col2 >.wp-block-group__inner-container>*:not(:empty){min-height:62px;}/*!sc*/ .lbNltL .h2h-widget .h2h-col2 >.wp-block-group__inner-container>*:not(:empty):not(:last-child){margin-bottom:24px;}/*!sc*/ .lbNltL .h2h-widget .h2h-colVs{padding:0;grid-area:1/2/8/3;}/*!sc*/ .lbNltL .h2h-widget .h2h-colVs .wp-block-group{background:url('/icons/h2hVsIcon.svg') center/contain;box-shadow:none;width:140px;height:140px;padding:0;position:relative;z-index:9;margin:36px -70px 0 -70px;}/*!sc*/ .lbNltL .h2h-widget .h2h-colVs .wp-block-group >.wp-block-group__inner-container{display:none;}/*!sc*/ .lbNltL .h2h-widget h3{color:#111111;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:24px;font-weight:600;}/*!sc*/ .lbNltL .h2h-widget .h2h-title{text-align:center;}/*!sc*/ .lbNltL .h2h-widget .h2h-image span span{padding:0!important;}/*!sc*/ .lbNltL .h2h-widget .h2h-image span img{position:relative!important;min-width:unset!important;max-width:unset!important;min-height:unset!important;max-height:unset!important;width:auto!important;height:76px!important;}/*!sc*/ .lbNltL .h2h-widget .h2h-intro .wp-block-group__inner-container{padding:8px;background-color:#E6FAF5;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;gap:8px;}/*!sc*/ .lbNltL .h2h-widget .terms-list{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;gap:9px;margin:0;padding:0;}/*!sc*/ .lbNltL .h2h-widget .terms-list li{list-style:none;color:#666666;font-size:14px;font-weight:600;line-height:150%;padding-bottom:8px;margin:0;border-bottom:1px solid #D1D1D6;}/*!sc*/ .lbNltL .h2h-widget .terms-list li mark{color:#008462;}/*!sc*/ .lbNltL .h2h-widget .rates-list{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;gap:8px;margin:8px 0 0 0;padding:0;}/*!sc*/ .lbNltL .h2h-widget .rates-list li{list-style:none;color:#111111;font-size:16px;line-height:150%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;gap:8px;margin:0;}/*!sc*/ .lbNltL .h2h-widget .rates-list li mark{display:inline-block;font-size:12px;font-weight:400;text-align:center;line-height:190%;color:#FFFFFF;background-color:#008462!important;border-radius:50%;min-width:24px;width:24px;height:24px;}/*!sc*/ .lbNltL .h2h-widget span[role="tooltip"]{position:relative;display:inline-block;width:24px;height:24px;cursor:pointer;z-index:3;margin:-6px 0;background-image:url('/icons/TooltipIcon.svg');-webkit-background-size:60%;background-size:60%;-webkit-background-position:center;background-position:center;background-repeat:no-repeat;}/*!sc*/ .lbNltL .h2h-widget span[role="tooltip"]:hover,.lbNltL .h2h-widget span[role="tooltip"]:focus,.lbNltL .h2h-widget span[role="tooltip"]:focus-within{z-index:4;}/*!sc*/ .lbNltL .h2h-widget span[role="tooltip"]>svg{display:none;}/*!sc*/ .lbNltL .h2h-widget span[role="tooltip"]:focus:after,.lbNltL .h2h-widget span[role="tooltip"]:hover:after{position:absolute;z-index:3;font-family:'__graphikCompact_75b0c8','__graphikCompact_Fallback_75b0c8',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:400;font-size:14px;line-height:150%;padding:8px;width:175px;background-color:#FFFFFF;box-shadow:2px 2px 4px 2px rgba(17, 17, 17, 0.05);color:#111111;content:attr(data-tooltip);bottom:0;-webkit-transform:translate(0, -24px);-moz-transform:translate(0, -24px);-ms-transform:translate(0, -24px);transform:translate(0, -24px);border-bottom:4px solid #008462;}/*!sc*/ .lbNltL .h2h-widget .link-rates{margin:8px 0 0 0;}/*!sc*/ .lbNltL .h2h-widget .link-rates a{font-size:14px;font-weight:600;line-height:120%;color:#007B9D;}/*!sc*/ .lbNltL .h2h-widget .link-rates a:hover,.lbNltL .h2h-widget .link-rates a:hover>*:not(.no-hover){-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .lbNltL .h2h-widget .link-rates a:active,.lbNltL .h2h-widget .link-rates a:focus,.lbNltL .h2h-widget .link-rates a:active>*:not(.no-active),.lbNltL .h2h-widget .link-rates a:focus>*:not(.no-focus){-webkit-text-decoration:none;text-decoration:none;color:#666666;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-offer a{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;gap:4px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;text-align:center;line-height:150%;letter-spacing:0.5px;box-sizing:border-box;background-color:#008462;color:#FFFFFF;padding:16px 32px;font-size:16px;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-offer a::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-offer a:hover,.lbNltL .h2h-widget :not(.no-button).link-offer a:focus{background-color:#015D45;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-offer a:active,.lbNltL .h2h-widget :not(.no-button).link-offer a:focus{box-shadow:0 0 5px 0 #007B9D;outline:none;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-offer a:disabled{background-color:#D1D1D6;border-color:#D1D1D6;color:#666666;cursor:not-allowed;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-offer a:disabled:hover,.lbNltL .h2h-widget :not(.no-button).link-offer a:disabled:focus,.lbNltL .h2h-widget :not(.no-button).link-offer a:disabled:active{color:#666666;background-color:#D1D1D6;border-color:#D1D1D6;outline:none;box-shadow:none;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-offer a:disabled:hover::after,.lbNltL .h2h-widget :not(.no-button).link-offer a:disabled:focus::after,.lbNltL .h2h-widget :not(.no-button).link-offer a:disabled:active::after{border-color:#666666;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-offer a:disabled::after{border-color:#666666;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-review a{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;gap:4px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;text-align:center;line-height:150%;letter-spacing:0.5px;box-sizing:border-box;color:#008462;background-color:#FFFFFF;border:1px solid #008462;padding:16px 32px;font-size:16px;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-review a::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-review a:hover,.lbNltL .h2h-widget :not(.no-button).link-review a:focus{background-color:#F2F2F2;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-review a:active,.lbNltL .h2h-widget :not(.no-button).link-review a:focus{box-shadow:0 0 5px 0 #007B9D;outline:none;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-review a:active{background-color:#FFFFFF;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-review a:disabled{background-color:#D1D1D6;border-color:#D1D1D6;color:#666666;cursor:not-allowed;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-review a:disabled:hover,.lbNltL .h2h-widget :not(.no-button).link-review a:disabled:focus,.lbNltL .h2h-widget :not(.no-button).link-review a:disabled:active{color:#666666;background-color:#D1D1D6;border-color:#D1D1D6;outline:none;box-shadow:none;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-review a:disabled:hover::after,.lbNltL .h2h-widget :not(.no-button).link-review a:disabled:focus::after,.lbNltL .h2h-widget :not(.no-button).link-review a:disabled:active::after{border-color:#666666;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-review a:disabled::after{border-color:#666666;}/*!sc*/ .lbNltL .h2h-widget .no-button.link-offer a,.lbNltL .h2h-widget .no-button.link-review a{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;gap:4px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;text-align:center;line-height:150%;letter-spacing:0.5px;box-sizing:border-box;color:#008462;background-color:transparent;border:1px solid transparent;position:relative;line-height:120%;font-size:16px;margin:16px 32px;}/*!sc*/ .lbNltL .h2h-widget .no-button.link-offer a::after,.lbNltL .h2h-widget .no-button.link-review a::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .h2h-widget .no-button.link-offer a:hover,.lbNltL .h2h-widget .no-button.link-review a:hover,.lbNltL .h2h-widget .no-button.link-offer a:focus,.lbNltL .h2h-widget .no-button.link-review a:focus{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .lbNltL .h2h-widget .no-button.link-offer a:focus-visible,.lbNltL .h2h-widget .no-button.link-review a:focus-visible{border:1px solid #008462;box-shadow:none;outline:none;}/*!sc*/ .lbNltL .h2h-widget .no-button.link-offer a:active,.lbNltL .h2h-widget .no-button.link-review a:active{background-color:#FFFFFF;box-shadow:none;border:1px solid transparent;color:#666666;outline:none;}/*!sc*/ .lbNltL .h2h-widget .no-button.link-offer a:active::after,.lbNltL .h2h-widget .no-button.link-review a:active::after{border-color:#666666;}/*!sc*/ .lbNltL .h2h-widget .no-button.link-offer a::after,.lbNltL .h2h-widget .no-button.link-review a::after{border-color:#008462;}/*!sc*/ .lbNltL .h2h-widget .no-button.link-offer a::before,.lbNltL .h2h-widget .no-button.link-review a::before{content:' ';position:absolute;inset:-16px -32px;}/*!sc*/ .lbNltL .h2h-widget .no-button.link-offer a:disabled,.lbNltL .h2h-widget .no-button.link-review a:disabled{color:#666666;box-shadow:none;border:1px solid transparent;cursor:not-allowed;}/*!sc*/ .lbNltL .h2h-widget .no-button.link-offer a:disabled:hover,.lbNltL .h2h-widget .no-button.link-review a:disabled:hover,.lbNltL .h2h-widget .no-button.link-offer a:disabled:focus,.lbNltL .h2h-widget .no-button.link-review a:disabled:focus,.lbNltL .h2h-widget .no-button.link-offer a:disabled:active,.lbNltL .h2h-widget .no-button.link-review a:disabled:active{color:#666666;border:1px solid transparent;box-shadow:none;-webkit-text-decoration:none;text-decoration:none;outline:none;}/*!sc*/ .lbNltL .h2h-widget .no-button.link-offer a:disabled:hover::after,.lbNltL .h2h-widget .no-button.link-review a:disabled:hover::after,.lbNltL .h2h-widget .no-button.link-offer a:disabled:focus::after,.lbNltL .h2h-widget .no-button.link-review a:disabled:focus::after,.lbNltL .h2h-widget .no-button.link-offer a:disabled:active::after,.lbNltL .h2h-widget .no-button.link-review a:disabled:active::after{border-color:#666666;}/*!sc*/ .lbNltL .h2h-widget .no-button.link-offer a:disabled::after,.lbNltL .h2h-widget .no-button.link-review a:disabled::after{border-color:#666666;}/*!sc*/ .lbNltL .h2h-widget :not(.no-button).link-offer a,.lbNltL .h2h-widget .no-button.link-offer a,.lbNltL .h2h-widget :not(.no-button).link-review a,.lbNltL .h2h-widget .no-button.link-review a,.lbNltL .h2h-widget :not(.no-button).link-rates a,.lbNltL .h2h-widget .no-button.link-rates a{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;}/*!sc*/ .lbNltL .h2h-widget .cta-caption{color:#666666!important;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:14px;font-weight:400;line-height:21px;letter-spacing:0.5px;text-align:center;margin:8px 0 0 0;}/*!sc*/ .lbNltL .card-accordion-panel .pros_cons{padding:0;box-shadow:unset;}/*!sc*/ .lbNltL .pros_cons{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;padding-block:24px;padding-inline:40px;gap:40px;box-shadow:4px 4px 20px 0px #F2F2F2;}/*!sc*/ @media (min-width: 32rem){.lbNltL .pros_cons{-webkit-box-flex-wrap:nowrap;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;}}/*!sc*/ .lbNltL .pros_cons div{width:100%;}/*!sc*/ .lbNltL .pros_cons div:nth-child(1) h4::before,.lbNltL .pros_cons div:nth-child(1) h3::before{content:url("/icons/ProIcon.svg");}/*!sc*/ .lbNltL .pros_cons div:nth-child(2) h4::before,.lbNltL .pros_cons div:nth-child(2) h3::before{content:url("/icons/ConIcon.svg");}/*!sc*/ .lbNltL .pros_cons div h4::before,.lbNltL .pros_cons div h3::before{margin-right:8px;padding-top:4px;}/*!sc*/ .lbNltL .pros_cons div h4,.lbNltL .pros_cons div h3{font-size:20px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin:0;}/*!sc*/ .lbNltL .pros_cons div ul{margin:24px 0 0 28px;}/*!sc*/ .lbNltL .pros_cons div li{margin-bottom:16px;}/*!sc*/ .lbNltL .pros_cons div li:last-of-type{margin-bottom:0;}/*!sc*/ .lbNltL .key-takeaways-widget{padding:24px;background-color:#F9F9F9;border-top:4px solid #008462;}/*!sc*/ .lbNltL .key-takeaways-widget .key-takeaways-header{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;gap:16px;margin:0 0 16px 0;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;}/*!sc*/ @media (max-width: 47.95rem){.lbNltL .key-takeaways-widget .key-takeaways-header{font-size:20px;}}/*!sc*/ .lbNltL .key-takeaways-widget .key-takeaways-header::before{content:'';background:url('/icons/KeyTakeaways.svg') no-repeat center/contain;width:30px;height:30px;}/*!sc*/ @media (max-width: 47.95rem){.lbNltL .key-takeaways-widget .key-takeaways-header::before{width:24px;height:24px;}}/*!sc*/ .lbNltL .key-takeaways-widget .key-takeaways-content{font-family:'__graphikCompact_75b0c8','__graphikCompact_Fallback_75b0c8',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:16px;font-weight:400;line-height:24px;letter-spacing:0.5px;text-align:left;}/*!sc*/ .lbNltL .key-takeaways-widget .key-takeaways-content p{margin:16px 0;}/*!sc*/ .lbNltL .wp-block-details{margin-bottom:24px;}/*!sc*/ .lbNltL .wp-block-details>summary{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;gap:8px;color:#111111;padding:8px 0;border-bottom:1px solid #D1D1D6;}/*!sc*/ .lbNltL .wp-block-details>summary::-webkit-details-marker{display:none;}/*!sc*/ .lbNltL .wp-block-details>summary,.lbNltL .wp-block-details>summary>h2,.lbNltL .wp-block-details>summary>h3,.lbNltL .wp-block-details>summary>h4,.lbNltL .wp-block-details>summary>h5,.lbNltL .wp-block-details>summary>h6{margin:0;}/*!sc*/ .lbNltL .wp-block-details>summary>h2{font-weight:600;line-height:120%;color:#111111;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;letter-spacing:0.5px;font-size:2rem;}/*!sc*/ .lbNltL .wp-block-details>summary>h3{font-weight:600;line-height:120%;color:#111111;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;letter-spacing:0.5px;font-size:1.5rem;}/*!sc*/ .lbNltL .wp-block-details>summary>h4{font-weight:600;line-height:120%;color:#111111;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;letter-spacing:0.5px;font-size:1.25rem;}/*!sc*/ .lbNltL .wp-block-details>summary>h5{font-weight:600;line-height:120%;color:#111111;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;letter-spacing:0.5px;font-size:1.125rem;}/*!sc*/ .lbNltL .wp-block-details>summary>h6{font-weight:600;line-height:120%;color:#111111;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;letter-spacing:0.5px;font-size:1rem;}/*!sc*/ .lbNltL .wp-block-details>summary::after{content:"";border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(45deg);-moz-transform:rotate(45deg);-ms-transform:rotate(45deg);transform:rotate(45deg);-webkit-transform:rotate(45deg);margin-bottom:2.5px;border-color:#111111;padding:4px;}/*!sc*/ .lbNltL .wp-block-details>summary:hover{cursor:pointer;color:#008462;}/*!sc*/ .lbNltL .wp-block-details>*:not(summary){margin-top:0;margin-bottom:24px;}/*!sc*/ .lbNltL .wp-block-details[open]>summary{margin-bottom:16px;}/*!sc*/ .lbNltL .wp-block-details[open]>summary:after{border-color:#008462;-webkit-transform:rotate(225deg);-moz-transform:rotate(225deg);-ms-transform:rotate(225deg);transform:rotate(225deg);}/*!sc*/ .lbNltL .why-trust-us-widget{background:#F9F9F9;padding:16px;}/*!sc*/ .lbNltL .why-trust-us-widget .wp-block-details[open]>summary{margin-bottom:0px;}/*!sc*/ .lbNltL .why-trust-us-widget .wp-block-heading{font-family:'__graphikCompact_75b0c8','__graphikCompact_Fallback_75b0c8',Arial Narrow,Helvetica neue Condensed,sans-serif;margin-bottom:0px;}/*!sc*/ .lbNltL .why-trust-us-widget summary{border:none;}/*!sc*/ .lbNltL .why-trust-us-widget summary h3:first-of-type{margin-bottom:0px;}/*!sc*/ .lbNltL .why-trust-us-widget ul,.lbNltL .why-trust-us-widget ol{-webkit-padding-start:0;padding-inline-start:0;}/*!sc*/ .lbNltL .why-trust-us-widget ul li:before,.lbNltL .why-trust-us-widget ol li:before{content:url(/icons/CheckMarkLogo.svg);margin-top:5px;}/*!sc*/ .lbNltL .why-trust-us-widget ul li,.lbNltL .why-trust-us-widget ol li{font-family:'__graphikCompact_75b0c8','__graphikCompact_Fallback_75b0c8',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:1rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;list-style-type:none;gap:0.5em;line-height:1.5;}/*!sc*/ .lbNltL .why-trust-us-widget *:last-child{padding-block-end:0px;margin-block-end:0px;}/*!sc*/ @media (min-width: 48rem){.lbNltL .why-trust-us-widget{padding:24px;}}/*!sc*/ .lbNltL .read-more-box-widget{position:relative;}/*!sc*/ .lbNltL .read-more-box-widget .read-more-content .wp-block-group__inner-container>*{max-height:calc(1.5em * 10);overflow:hidden;position:relative;}/*!sc*/ .lbNltL .read-more-box-widget.overlay-5-visible-3 .read-more-content .wp-block-group__inner-container>*{max-height:calc(1.5em * 8);overflow:hidden;position:relative;}/*!sc*/ .lbNltL .read-more-box-widget.overlay-5-visible-10 .read-more-content .wp-block-group__inner-container>*{max-height:calc(1.5em * 15);overflow:hidden;position:relative;}/*!sc*/ .lbNltL .read-more-box-widget .read-more-content::after{content:'';position:absolute;bottom:0;left:0;right:0;height:calc(1.5em * 5);background:linear-gradient(180deg, rgba(255, 255, 255, 0.00) 0%, #FEFEFE 60%);}/*!sc*/ .lbNltL .read-more-box-widget .read-more-toggle-open,.lbNltL .read-more-box-widget .read-more-toggle-close{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;gap:4px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;text-align:center;line-height:150%;letter-spacing:0.5px;box-sizing:border-box;background-color:#008462;color:#FFFFFF;padding:12px 16px;font-size:14px;min-height:48px;cursor:pointer;}/*!sc*/ .lbNltL .read-more-box-widget .read-more-toggle-open::after,.lbNltL .read-more-box-widget .read-more-toggle-close::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .read-more-box-widget .read-more-toggle-open:hover,.lbNltL .read-more-box-widget .read-more-toggle-close:hover,.lbNltL .read-more-box-widget .read-more-toggle-open:focus,.lbNltL .read-more-box-widget .read-more-toggle-close:focus{background-color:#015D45;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .read-more-box-widget .read-more-toggle-open:active,.lbNltL .read-more-box-widget .read-more-toggle-close:active,.lbNltL .read-more-box-widget .read-more-toggle-open:focus,.lbNltL .read-more-box-widget .read-more-toggle-close:focus{box-shadow:0 0 5px 0 #007B9D;outline:none;}/*!sc*/ .lbNltL .read-more-box-widget .read-more-toggle-open:disabled,.lbNltL .read-more-box-widget .read-more-toggle-close:disabled{background-color:#D1D1D6;border-color:#D1D1D6;color:#666666;cursor:not-allowed;}/*!sc*/ .lbNltL .read-more-box-widget .read-more-toggle-open:disabled:hover,.lbNltL .read-more-box-widget .read-more-toggle-close:disabled:hover,.lbNltL .read-more-box-widget .read-more-toggle-open:disabled:focus,.lbNltL .read-more-box-widget .read-more-toggle-close:disabled:focus,.lbNltL .read-more-box-widget .read-more-toggle-open:disabled:active,.lbNltL .read-more-box-widget .read-more-toggle-close:disabled:active{color:#666666;background-color:#D1D1D6;border-color:#D1D1D6;outline:none;box-shadow:none;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .lbNltL .read-more-box-widget .read-more-toggle-open:disabled:hover::after,.lbNltL .read-more-box-widget .read-more-toggle-close:disabled:hover::after,.lbNltL .read-more-box-widget .read-more-toggle-open:disabled:focus::after,.lbNltL .read-more-box-widget .read-more-toggle-close:disabled:focus::after,.lbNltL .read-more-box-widget .read-more-toggle-open:disabled:active::after,.lbNltL .read-more-box-widget .read-more-toggle-close:disabled:active::after{border-color:#666666;}/*!sc*/ .lbNltL .read-more-box-widget .read-more-toggle-open:disabled::after,.lbNltL .read-more-box-widget .read-more-toggle-close:disabled::after{border-color:#666666;}/*!sc*/ .lbNltL .read-more-box-widget .read-more-toggle-open::after,.lbNltL .read-more-box-widget .read-more-toggle-close::after{display:none;}/*!sc*/ .lbNltL .read-more-box-widget .read-more-toggle-close{display:none;}/*!sc*/ .lbNltL .read-more-box-widget .read-more-toggle-open{position:absolute;bottom:0;left:0;right:0;margin:24px auto;width:96px;}/*!sc*/ .lbNltL .read-more-box-widget.open .wp-block-group__inner-container .read-more-content .wp-block-group__inner-container>*{max-height:100%;}/*!sc*/ .lbNltL .read-more-box-widget.open .read-more-content::after{display:none;}/*!sc*/ .lbNltL .read-more-box-widget.open .read-more-toggle-close{display:table;margin:48px auto;}/*!sc*/ .lbNltL .read-more-box-widget.open .read-more-toggle-open{display:none;}/*!sc*/ .lbNltL .accolade-winner-widget{font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;letter-spacing:0.5px;font-size:16px;margin-top:24px;padding-bottom:16px;display:-ms-grid;display:grid;-ms-grid-columns:45px auto;grid-template-columns:45px auto;gap:16px;}/*!sc*/ .lbNltL .accolade-winner-widget:not(:last-of-type){border-bottom:2px solid #F2F2F2;}/*!sc*/ @media (min-width: 32rem){.lbNltL .accolade-winner-widget{-ms-grid-columns:70px auto;grid-template-columns:70px auto;gap:24px;padding-bottom:24px;}}/*!sc*/ @media (min-width: 64rem){.lbNltL .accolade-winner-widget{gap:20px 24px;}}/*!sc*/ .lbNltL .accolade-winner-widget::before{content:' ';background:url('/icons/AccoladeMobile.svg') no-repeat center/contain;width:45px;height:79px;-ms-grid-row:1;grid-row:1;}/*!sc*/ @media (min-width: 32rem){.lbNltL .accolade-winner-widget::before{background:url('/icons/Accolade.svg') no-repeat center/contain;width:70px;height:139px;-ms-grid-column:1;grid-column:1;grid-row:span 3;}}/*!sc*/ .lbNltL .accolade-winner-widget mark{color:#666666;}/*!sc*/ .lbNltL .accolade-winner-widget h2{font-size:20px;line-height:24px;-ms-grid-column:2;grid-column:2;-ms-grid-row:1;grid-row:1;margin:0;}/*!sc*/ @media (min-width: 32rem){.lbNltL .accolade-winner-widget h2{font-size:24px;line-height:28px;}}/*!sc*/ @media (min-width: 64rem){.lbNltL .accolade-winner-widget h2{font-size:32px;line-height:38px;}}/*!sc*/ .lbNltL .accolade-winner-widget p{-ms-grid-row:2;grid-row:2;-ms-grid-column:1;-ms-grid-column-span:2;grid-column:1/span 2;margin:0;}/*!sc*/ @media (min-width: 32rem){.lbNltL .accolade-winner-widget p{-ms-grid-column:2;grid-column:2;}}/*!sc*/ .lbNltL .accolade-winner-widget .read-more-link{margin:0;-ms-grid-row:3;grid-row:3;position:relative;}/*!sc*/ .lbNltL .accolade-winner-widget .read-more-link a{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;gap:4px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-weight:600;text-align:center;line-height:150%;letter-spacing:0.5px;box-sizing:border-box;color:#008462;background-color:transparent;border:1px solid transparent;position:relative;line-height:120%;font-size:16px;}/*!sc*/ .lbNltL .accolade-winner-widget .read-more-link a::after{border-style:solid;border-color:inherit;border-width:0 1.5px 1.5px 0;display:inline-block;padding:3px;width:9px;height:9px;content:'';-webkit-transform:rotate(-45deg);-moz-transform:rotate(-45deg);-ms-transform:rotate(-45deg);transform:rotate(-45deg);-webkit-transform:rotate(-45deg);margin-bottom:1px;margin-right:2px;margin-top:3px;}/*!sc*/ .lbNltL .accolade-winner-widget .read-more-link a:hover,.lbNltL .accolade-winner-widget .read-more-link a:focus{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ .lbNltL .accolade-winner-widget .read-more-link a:focus-visible{border:1px solid #008462;box-shadow:none;outline:none;}/*!sc*/ .lbNltL .accolade-winner-widget .read-more-link a:active{background-color:#FFFFFF;box-shadow:none;border:1px solid transparent;color:#666666;outline:none;}/*!sc*/ .lbNltL .accolade-winner-widget .read-more-link a:active::after{border-color:#666666;}/*!sc*/ .lbNltL .accolade-winner-widget .read-more-link a::after{border-color:#008462;}/*!sc*/ .lbNltL .accolade-winner-widget .read-more-link a:disabled{color:#666666;box-shadow:none;border:1px solid transparent;cursor:not-allowed;}/*!sc*/ .lbNltL .accolade-winner-widget .read-more-link a:disabled:hover,.lbNltL .accolade-winner-widget .read-more-link a:disabled:focus,.lbNltL .accolade-winner-widget .read-more-link a:disabled:active{color:#666666;border:1px solid transparent;box-shadow:none;-webkit-text-decoration:none;text-decoration:none;outline:none;}/*!sc*/ .lbNltL .accolade-winner-widget .read-more-link a:disabled:hover::after,.lbNltL .accolade-winner-widget .read-more-link a:disabled:focus::after,.lbNltL .accolade-winner-widget .read-more-link a:disabled:active::after{border-color:#666666;}/*!sc*/ .lbNltL .accolade-winner-widget .read-more-link a:disabled::after{border-color:#666666;}/*!sc*/ .lbNltL div[class^="rawHtml-content"] h1,.lbNltL div[class^="rawHtml-content"] h2,.lbNltL div[class^="rawHtml-content"] h3,.lbNltL div[class^="rawHtml-content"] h4,.lbNltL div[class^="rawHtml-content"] h5,.lbNltL div[class^="rawHtml-content"] h6{scroll-snap-margin-top:80px;scroll-margin-top:80px;}/*!sc*/ @media (min-width: 32rem){.lbNltL div[class^="rawHtml-content"] h1,.lbNltL div[class^="rawHtml-content"] h2,.lbNltL div[class^="rawHtml-content"] h3,.lbNltL div[class^="rawHtml-content"] h4,.lbNltL div[class^="rawHtml-content"] h5,.lbNltL div[class^="rawHtml-content"] h6{scroll-snap-margin-top:104px;scroll-margin-top:104px;}}/*!sc*/ @media (min-width: 64rem){.lbNltL div[class^="rawHtml-content"] h1,.lbNltL div[class^="rawHtml-content"] h2,.lbNltL div[class^="rawHtml-content"] h3,.lbNltL div[class^="rawHtml-content"] h4,.lbNltL div[class^="rawHtml-content"] h5,.lbNltL div[class^="rawHtml-content"] h6{scroll-snap-margin-top:24px;scroll-margin-top:24px;}}/*!sc*/ @media (min-width: 64rem){.lbNltL{margin:unset;}}/*!sc*/ data-styled.g720[id="sc-82385409-1"]{content:"lbNltL,"}/*!sc*/ .eksxra{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;gap:40px;margin-bottom:-40px;}/*!sc*/ .eksxra>.landing-page-header,.eksxra>.accolades-header{margin:0 calc((-1 * var(--Grid-Margin)));}/*!sc*/ @media (min-width: 64rem){.eksxra{margin-bottom:0;}}/*!sc*/ @media (min-width: 90rem){.eksxra>.landing-page-header,.eksxra>.accolades-header{margin:0 calc((1440px - 100vw - (2 * var(--Grid-Margin))) / 2);}}/*!sc*/ data-styled.g721[id="sc-82385409-2"]{content:"eksxra,"}/*!sc*/ .dKaNXQ{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;gap:40px;}/*!sc*/ .dKaNXQ .disclosure{line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'Georgia',Times New Roman,Playfair Display,Georgia,Serif;font-size:1.125rem;}/*!sc*/ .dKaNXQ .disclosure p{margin-top:24px;margin-bottom:24px;word-break:break-word;}/*!sc*/ .dKaNXQ .disclosure sup{vertical-align:top;position:relative;top:-0.15em;}/*!sc*/ data-styled.g722[id="sc-82385409-3"]{content:"dKaNXQ,"}/*!sc*/ .dCKPvt{text-align:left;}/*!sc*/ .dCKPvt a{display:inline-block;width:24px;height:24px;}/*!sc*/ .dCKPvt svg{width:100%;height:100%;object-fit:cover;}/*!sc*/ @media (min-width: 48rem){.dCKPvt{margin-bottom:0px;}}/*!sc*/ @media (min-width: 64rem){.dCKPvt a{width:32px;height:32px;}}/*!sc*/ data-styled.g723[id="sc-82385409-4"]{content:"dCKPvt,"}/*!sc*/ .bfAyRo{border:1px solid #D1D1D6;border-radius:4px;padding:8px;display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}/*!sc*/ @media (min-width: 48rem){.bfAyRo{position:static;border-bottom:1px solid #D1D1D6;padding:8px;}.bfAyRo li{margin-right:16px;margin-bottom:0;}}/*!sc*/ data-styled.g724[id="sc-82385409-5"]{content:"bfAyRo,"}/*!sc*/ .kSOnKx{border-top:3px solid #008462;}/*!sc*/ .kSOnKx h4{margin-top:8px;margin-bottom:16px;}/*!sc*/ .kSOnKx .author-bio ul{list-style-type:none;padding:0;}/*!sc*/ data-styled.g725[id="sc-82385409-6"]{content:"kSOnKx,"}/*!sc*/ .idVzAu{display:-ms-grid;display:grid;-ms-grid-columns:auto min(calc(1440px - (2 * var(--Grid-Margin))), calc(100vw - (2 * var(--Grid-Margin)))) auto;grid-template-columns:auto min(calc(1440px - (2 * var(--Grid-Margin))), calc(100vw - (2 * var(--Grid-Margin)))) auto;gap:16px 0;background:#F2F2F2;padding:28px 16px 24px 16px;}/*!sc*/ .idVzAu>*{-ms-grid-column:2;grid-column:2;}/*!sc*/ @media (min-width: 48rem){.idVzAu{background:linear-gradient(263deg, rgba(253, 251, 251, 0.80) 35.75%, #EAEDEE 127.09%);padding:40px 24px 40px;}}/*!sc*/ @media (min-width: 90rem){.idVzAu{background:linear-gradient(267deg, rgba(253, 251, 251, 0.83) -3.58%, #EAEDEE 136.01%);padding:48px 48px;}}/*!sc*/ data-styled.g726[id="sc-bc78b52c-0"]{content:"idVzAu,"}/*!sc*/ .lmFdZA{margin-bottom:8px;}/*!sc*/ data-styled.g727[id="sc-bc78b52c-1"]{content:"lmFdZA,"}/*!sc*/ @media (min-width: 90rem){.ilZHXK{font-size:60px;}}/*!sc*/ data-styled.g728[id="sc-bc78b52c-2"]{content:"ilZHXK,"}/*!sc*/ .hKydgS{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:0.875rem;font-weight:400;text-transform:uppercase;z-index:1001;}/*!sc*/ @media (min-width: 20rem){.hKydgS{gap:16px;}}/*!sc*/ @media (min-width: 48rem){.hKydgS{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}}/*!sc*/ data-styled.g729[id="sc-bc78b52c-3"]{content:"hKydgS,"}/*!sc*/ .dRiNOZ{line-height:150%;color:#111111;letter-spacing:0.5px;font-weight:400;font-family:'__graphikCond_cdc833','__graphikCond_Fallback_cdc833',Arial Narrow,Helvetica neue Condensed,sans-serif;font-size:0.875rem;font-weight:400;letter-spacing:0.15px;color:#666666;}/*!sc*/ data-styled.g730[id="sc-bc78b52c-4"]{content:"dRiNOZ,"}/*!sc*/ </style></head><body dir="auto" class=""><div id="__next"><input type="checkbox" id="drawer-toggle" class="sc-b800b314-0 jMfWOS drawer-toggle" aria-label="Toggle Menu"/><div id="header-wrapper-id" data-cy="header" class="sc-ad237313-0 gGilCu"><div class="sc-575c964e-0 kCEKqj"><a href="/" class="sc-575c964e-1 cDYxVx">Go to Fortune.com</a></div><div class="sc-ad237313-1 jeITyt"><div class="sc-ad237313-8 jWHMHP"><div class="sc-c5bbce56-0 istaNq menu-placeholder"></div><div class="sc-c5bbce56-0 glgywR"></div></div><nav class="sc-26e2a334-0 iIGjFj recommends"><ul data-cy="topicNavigation" class="sc-26e2a334-1 fjJYwq"><li class="sc-26e2a334-2 djzspf recommends"><a href="https://fortune.com/recommends/" target="_self" class="sc-93594058-0 fNikvJ sc-26e2a334-3 eLIUqY recommends styled-custom-link " data-cy="home" tabindex="0" aria-label="Go to Home">Home</a></li><li class="sc-26e2a334-2 djzspf recommends"><a href="https://fortune.com/recommends/personal-finance/" target="_self" class="sc-93594058-0 fNikvJ sc-26e2a334-3 eLIUqY recommends styled-custom-link " data-cy="personal-finance" tabindex="0" aria-label="Go to Personal Finance">Personal Finance</a></li><li class="sc-26e2a334-2 djzspf recommends"><a href="https://fortune.com/education/" target="_self" class="sc-93594058-0 fNikvJ sc-26e2a334-3 eLIUqY recommends styled-custom-link " data-cy="education" tabindex="0" aria-label="Go to Education">Education</a></li><li class="sc-26e2a334-2 djzspf recommends"><a href="https://fortune.com/recommends/business/" target="_self" class="sc-93594058-0 fNikvJ sc-26e2a334-3 eLIUqY recommends styled-custom-link " data-cy="business-solutions" tabindex="0" aria-label="Go to Business Solutions">Business Solutions</a></li><li class="sc-26e2a334-2 djzspf recommends"><a href="https://fortune.com/recommends/shopping/" target="_self" class="sc-93594058-0 fNikvJ sc-26e2a334-3 eLIUqY recommends styled-custom-link " data-cy="shopping" tabindex="0" aria-label="Go to Shopping">Shopping</a></li></ul></nav></div><div class="sc-605c547c-0 aTRRk landingPage stickyDisclosure" data-cy="disclosure-stripe"><div class="sc-605c547c-1 hcdsTK">Fortune Recommends™ is editorially independent. We may earn affiliate revenue from links in this content.<!-- --> <div class="sc-605c547c-3 eYoZYY"><button class="sc-605c547c-2 WjBaf"> Learn more. </button></div></div></div><div data-cy="progress-bar" class="sc-e644c12-0 juCxhh"><div class="sc-e644c12-1 iLXWvL"></div></div></div><div class="sc-8a176bf1-0 jIOrBa drawer-menu"><div class="sc-8a176bf1-1 cFKQLP"><div class="sc-8a176bf1-3 ldfYQG"><label for="drawer-toggle" id="drawer-toggle-button" class="sc-b800b314-1 evDKrX close-menu" aria-label="Close menu" data-cy="closeButton" tabindex="0"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" id="close"><path d="M13.41,12l6.3-6.29a1,1,0,1,0-1.42-1.42L12,10.59,5.71,4.29A1,1,0,0,0,4.29,5.71L10.59,12l-6.3,6.29a1,1,0,0,0,0,1.42,1,1,0,0,0,1.42,0L12,13.41l6.29,6.3a1,1,0,0,0,1.42,0,1,1,0,0,0,0-1.42Z"></path></svg></label><a href="https://fortune.com/recommends/" target="_self" class="sc-93594058-0 caCSpL link styled-custom-link " data-cy="homePageLink">Home Page</a></div></div><nav class="sc-c196408b-0 blCOPH"><ul class="menu-list" data-cy="menuMobile"><li class="sc-408583b5-0 fKkPIO level-0 close" data-cy="itemLink0"><a href="https://fortune.com/recommends/personal-finance/" target="_self" class="sc-93594058-0 fowfrQ ">Personal Finance</a><button class="sc-408583b5-2 idrbpP arrow" type="button"><span class="arrow"></span></button></li><ul class="sc-408583b5-1 ftQtBb submenu " data-cy="subMenuLevel0"><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/recommends/credit-cards/" target="_self" class="sc-93594058-0 fowfrQ ">Credit Cards</a></li><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/recommends/banking/" target="_self" class="sc-93594058-0 fowfrQ ">Banking</a><button class="sc-408583b5-2 idrbpP arrow" type="button"><span class="arrow"></span></button></li><ul class="sc-408583b5-1 ftQtBb submenu " data-cy="subMenuLevel1"><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/savings/" target="_self" class="sc-93594058-0 fowfrQ ">Savings</a><button class="sc-408583b5-2 idrbpP arrow" type="button"><span class="arrow"></span></button></li><ul class="sc-408583b5-1 ftQtBb submenu " data-cy="subMenuLevel2"><li class="sc-408583b5-0 cdmvxm level-3 close" data-cy="itemLink3"><a href="https://fortune.com/recommends/banking/best-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ ">Best Savings Accounts</a></li><li class="sc-408583b5-0 cdmvxm level-3 close" data-cy="itemLink3"><a href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ ">Best High-Yield Savings Accounts</a></li><li class="sc-408583b5-0 cdmvxm level-3 close" data-cy="itemLink3"><a href="https://fortune.com/recommends/banking/what-is-high-yield-savings-account/" target="_self" class="sc-93594058-0 fowfrQ ">What is a High-Yield Savings Account?</a></li><li class="sc-408583b5-0 cdmvxm level-3 close" data-cy="itemLink3"><a href="https://fortune.com/recommends/banking/savings-account-calculator/" target="_self" class="sc-93594058-0 fowfrQ ">Savings Calculator</a></li></ul><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/cds/" target="_self" class="sc-93594058-0 fowfrQ ">CDs</a><button class="sc-408583b5-2 idrbpP arrow" type="button"><span class="arrow"></span></button></li><ul class="sc-408583b5-1 ftQtBb submenu " data-cy="subMenuLevel2"><li class="sc-408583b5-0 cdmvxm level-3 close" data-cy="itemLink3"><a href="https://fortune.com/recommends/banking/the-best-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ ">Best CD Rates</a></li><li class="sc-408583b5-0 cdmvxm level-3 close" data-cy="itemLink3"><a href="https://fortune.com/recommends/banking/highest-current-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ ">Current CD rates</a></li><li class="sc-408583b5-0 cdmvxm level-3 close" data-cy="itemLink3"><a href="https://fortune.com/recommends/banking/the-best-1-year-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ ">1-Year CD Rates</a></li></ul><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/banking/the-best-money-market-accounts/" target="_self" class="sc-93594058-0 fowfrQ ">Best Money Market Accounts</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/banking/cash-advance-apps/" target="_self" class="sc-93594058-0 fowfrQ ">Best Cash Advance Apps</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/banking/best-free-checking-accounts/" target="_self" class="sc-93594058-0 fowfrQ ">Free Checking Accounts</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/banking/best-checking-account-bonuses/" target="_self" class="sc-93594058-0 fowfrQ ">Checking Account Bonuses</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/banking/best-online-banks-and-credit-unions/" target="_self" class="sc-93594058-0 fowfrQ ">Online Banks & Credit Unions</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/banking/best-business-checking-accounts/" target="_self" class="sc-93594058-0 fowfrQ ">Business Checking Accounts</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/banking/best-budgeting-apps/" target="_self" class="sc-93594058-0 fowfrQ ">Budgeting Apps</a></li></ul><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/recommends/insurance/" target="_self" class="sc-93594058-0 fowfrQ ">Insurance</a><button class="sc-408583b5-2 idrbpP arrow" type="button"><span class="arrow"></span></button></li><ul class="sc-408583b5-1 ftQtBb submenu " data-cy="subMenuLevel1"><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/insurance/best-jewelry-insurance/" target="_self" class="sc-93594058-0 fowfrQ ">Jewelry Insurance</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/insurance/best-small-business-insurance-companies/" target="_self" class="sc-93594058-0 fowfrQ ">Small Business Insurance Companies</a></li></ul><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/recommends/mortgages/" target="_self" class="sc-93594058-0 fowfrQ ">Mortgages</a><button class="sc-408583b5-2 idrbpP arrow" type="button"><span class="arrow"></span></button></li><ul class="sc-408583b5-1 ftQtBb submenu " data-cy="subMenuLevel1"><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/mortgages/home-equity-loan-rates/" target="_self" class="sc-93594058-0 fowfrQ ">Home Equity Loan Rates</a></li></ul><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/recommends/investing/" target="_self" class="sc-93594058-0 fowfrQ ">Investing</a><button class="sc-408583b5-2 idrbpP arrow" type="button"><span class="arrow"></span></button></li><ul class="sc-408583b5-1 ftQtBb submenu " data-cy="subMenuLevel1"><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/investing/best-investments/" target="_self" class="sc-93594058-0 fowfrQ ">Investments</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/investing/best-online-brokerages/" target="_self" class="sc-93594058-0 fowfrQ ">Online Brokerages</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/investing/best-investment-apps/" target="_self" class="sc-93594058-0 fowfrQ ">Investment Apps</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/investing/best-crypto-apps-and-exchanges/" target="_self" class="sc-93594058-0 fowfrQ ">Cryptocurrency Apps & Exchanges</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/investing/best-roth-iras/" target="_self" class="sc-93594058-0 fowfrQ ">Roth IRAs</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/investing/best-robo-advisors/" target="_self" class="sc-93594058-0 fowfrQ ">Robo-Advisors</a></li></ul><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/recommends/loans/" target="_self" class="sc-93594058-0 fowfrQ ">Loans</a><button class="sc-408583b5-2 idrbpP arrow" type="button"><span class="arrow"></span></button></li><ul class="sc-408583b5-1 ftQtBb submenu " data-cy="subMenuLevel1"><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/loans/best-credit-repair-companies/" target="_self" class="sc-93594058-0 fowfrQ ">Best Credit Repair Companies</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/loans/best-debt-relief-companies/" target="_self" class="sc-93594058-0 fowfrQ ">Best Debt Relief Companies</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/loans/best-personal-loans/" target="_self" class="sc-93594058-0 fowfrQ ">Personal Loans</a></li><li class="sc-408583b5-0 xxKxI level-2 close" data-cy="itemLink2"><a href="https://fortune.com/recommends/loans/best-buy-now-pay-later-apps/" target="_self" class="sc-93594058-0 fowfrQ ">Buy-Now, Pay-Later Apps</a></li></ul></ul><li class="sc-408583b5-0 fKkPIO level-0 close" data-cy="itemLink0"><a href="https://fortune.com/education/" target="_self" class="sc-93594058-0 fowfrQ ">Education</a><button class="sc-408583b5-2 idrbpP arrow" type="button"><span class="arrow"></span></button></li><ul class="sc-408583b5-1 ftQtBb submenu " data-cy="subMenuLevel0"><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/education/business/" target="_self" class="sc-93594058-0 fowfrQ ">Business</a></li><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/education/information-technology/" target="_self" class="sc-93594058-0 fowfrQ ">Tech</a></li><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/education/health/" target="_self" class="sc-93594058-0 fowfrQ ">Health & wellness</a></li></ul><li class="sc-408583b5-0 fKkPIO level-0 close" data-cy="itemLink0"><a href="https://fortune.com/recommends/business/" target="_self" class="sc-93594058-0 fowfrQ ">Business Solutions</a><button class="sc-408583b5-2 idrbpP arrow" type="button"><span class="arrow"></span></button></li><ul class="sc-408583b5-1 ftQtBb submenu " data-cy="subMenuLevel0"><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/recommends/voip/" target="_self" class="sc-93594058-0 fowfrQ ">VoIP</a></li><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/recommends/crm/" target="_self" class="sc-93594058-0 fowfrQ ">CRM</a></li><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/recommends/payroll/" target="_self" class="sc-93594058-0 fowfrQ ">Payroll</a></li><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/recommends/web-hosting/" target="_self" class="sc-93594058-0 fowfrQ ">Web Hosting</a></li></ul><li class="sc-408583b5-0 fKkPIO level-0 close" data-cy="itemLink0"><a href="https://fortune.com/recommends/shopping-guides/" target="_self" class="sc-93594058-0 fowfrQ ">Shopping</a><button class="sc-408583b5-2 idrbpP arrow" type="button"><span class="arrow"></span></button></li><ul class="sc-408583b5-1 ftQtBb submenu " data-cy="subMenuLevel0"><li class="sc-408583b5-0 erTPNH level-1 close" data-cy="itemLink1"><a href="https://fortune.com/recommends/shopping-guides/" target="_self" class="sc-93594058-0 fowfrQ ">Shopping Guides</a></li></ul></ul></nav><div class="sc-575c964e-0 fWtZxM"><a href="/" class="sc-575c964e-1 cDYxVx">Go to Fortune.com</a></div></div><div class="sc-8a176bf1-4 hTCnKi overlay"></div><div class="sc-3f90509f-2 bbEcaX"><main><div id="content"><div class="sc-82385409-0 fcwKfv"><div class="sc-82385409-2 eksxra top-section"><div class="sc-bc78b52c-0 idVzAu landing-page-header"><div class="sc-bc78b52c-1 lmFdZA"><nav aria-label="Breadcrumb" class="sc-185bd057-0 jMpzwH breadcrumbs"><ol class="sc-185bd057-1 cNvPFn tablet-and-mobile" data-cy="tablet-and-mobile-breadcrumbs"><li class="sc-185bd057-2 fMbTYJ"><a href="https://fortune.com/recommends/banking/" target="_self" class="sc-93594058-0 jLLAeN styled-custom-link "><span class="sc-185bd057-3 hcclSn">BANKING</span></a></li></ol><ol data-cy="desktop-breadcrumbs" class="sc-185bd057-1 cNvPFn"><li class="sc-185bd057-2 fMbTYJ"><a href="https://fortune.com/recommends/personal-finance/" target="_self" class="sc-93594058-0 jLLAeN styled-custom-link "><span class="sc-185bd057-3 hcclSn">PERSONAL FINANCE</span></a></li><li class="sc-185bd057-2 fMbTYJ"><a href="https://fortune.com/recommends/banking/" target="_self" class="sc-93594058-0 jLLAeN styled-custom-link "><span class="sc-185bd057-3 hcclSn">BANKING</span></a></li><li class="sc-185bd057-2 fMbTYJ"><span aria-current="page" class="sc-185bd057-3 fhTljn">THE 10 BEST CD RATES FOR NOVEMBER 2024: EARN UP TO 5%</span></li></ol></nav></div><h1 data-cy="header-title" class="sc-3358ecfd-0 sc-bc78b52c-2 cLhSQr ilZHXK">The 10 best CD rates for November 2024: Earn up to 4.75%</h1><div class="sc-bc78b52c-3 hKydgS"><div data-cy="header-authors" class="sc-4aadc14e-0 izTsmZ"><span class="sc-4aadc14e-7 fLvwvm"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ " rel="author" aria-label="Go to Abigail Rueger author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Abigail Rueger" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==")"/><noscript><img alt="Abigail Rueger" loading="lazy" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=48&q=75 1x, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=96&q=75 2x" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=96&q=75"/></noscript></span><div class="sc-4aadc14e-2 hyvKyP"><div class="sc-4aadc14e-3 wCShc"><div data-cy="author-by-text" class="sc-4aadc14e-5 gQdnNk">BY</div><div data-cy="author-name" class="sc-4aadc14e-6 dImtxq">Abigail Rueger</div></div><div class="sc-4aadc14e-4 oxMCx">Deputy Editor, Banking</div></div></a><div class="sc-3be47025-11 fcFEKV sc-4aadc14e-1 COKyR"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Abigail Rueger</span></a><span class="sc-3be47025-2 eSlZzo">Deputy Editor, Banking</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Abigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/abigail-rueger-9a8941129/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></span><span class="sc-4aadc14e-7 fLvwvm"><div class="sc-8357b4fc-1 gslWGR"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ sc-8357b4fc-6 cytaS " aria-label="Go to Cassie Bottorff author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Cassie Bottorff" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==")"/><noscript><img alt="Cassie Bottorff" loading="lazy" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=48&q=75 1x, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=96&q=75 2x" src="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=96&q=75"/></noscript></span><span class="sc-8357b4fc-4 iiWsis"><span class="sc-8357b4fc-3 hVwMNA"><svg width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg" class="checkmark"><path d="M7.94771 16C12.3378 16 15.8954 12.4173 15.8954 8C15.8954 3.581 12.3362 0 7.94771 0C3.55924 0 0 3.58266 0 8C0 12.419 3.55924 16 7.94771 16Z" fill="#00CD98"></path><path d="M12.0049 4.83243C12.1961 5.00003 12.2175 5.29208 12.051 5.48458C12.0494 5.48789 12.0461 5.48955 12.0444 5.49287L7.04436 11.1531C6.87291 11.3456 6.57946 11.3639 6.38658 11.1913C6.37339 11.1797 6.3602 11.1664 6.34866 11.1531L3.84944 8.3205C3.67964 8.12469 3.69778 7.82766 3.89231 7.65674C4.08684 7.48582 4.38193 7.50407 4.55173 7.69988L6.72289 10.1376L11.3751 4.854C11.5416 4.66151 11.8318 4.63994 12.023 4.80754C12.0263 4.81086 12.028 4.81252 12.0313 4.81583L12.0049 4.83243Z" fill="white"></path></svg><span data-cy="reviewed-by-text" class="sc-8357b4fc-2 bjJBmk">REVIEWED BY</span><span data-cy="reviewer-name" class="sc-8357b4fc-7 kXSAJi">Cassie Bottorff</span></span><span class="sc-8357b4fc-5 eFRRvB">Editor, Business & Banking</span></span></a><div class="sc-3be47025-11 fcFEKV sc-8357b4fc-0 ipkJtx"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Cassie Bottorff</span></a><span class="sc-3be47025-2 eSlZzo">Editor, Business & Banking</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Cassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://x.com/cassandra_glenn" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our twitter profile"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li></ul><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></div></span></div></div><div data-cy="header-date" class="sc-bc78b52c-4 dRiNOZ"></div></div></div><nav id="toc-wrapper" data-cy="TOC" class="sc-b1ff6b49-0 irBBoA toc"><div class="sc-b1ff6b49-2 GlBFr toc-mobile"><div class="sc-b1ff6b49-4 dsAQFp dropdown">On this page</div><div class="sc-b1ff6b49-5 heJLex"><span>Jump to your section</span></div><div class="sc-b1ff6b49-3 bbqQeU content-wrapper"><ul><li><a href="#Highest-CD-Rates-by-term-length" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Highest-CD-Rates-by-term-length">Highest CD rates by term length</a></li><li><a href="#current-news" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #current-news">Current news on CD rates</a></li><li><a href="#best-cd-rates" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best-cd-rates">The 10 best CD rates overall</a><ul><li><a href="#discover" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #discover">Discover</a></li><li><a href="#mysb" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #mysb">MYSB Direct</a></li><li><a href="#everbank" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #everbank">EverBank</a></li><li><a href="#bread" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bread">Bread Savings</a></li><li><a href="#alliant" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alliant">Alliant Credit Union</a></li><li><a href="#capone" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #capone">Capital One 360</a></li><li><a href="#synchrony" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #synchrony">Synchrony Bank</a></li><li><a href="#first-national" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #first-national">First National Bank of America</a></li><li><a href="#ally" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #ally">Ally Bank</a></li><li><a href="#popular" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #popular">Popular Direct</a></li></ul></li><li><a href="#complete-guide" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #complete-guide">Complete guide to CDs</a></li><li><a href="#how-to-choose" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-choose">How to choose the best CD</a></li><li><a href="#pros-and-cons" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pros-and-cons">Pros & cons of CDs</a></li><li><a href="#alternatives" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alternatives">Alternatives to CDs</a></li><li><a href="#rates-by-state" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #rates-by-state">Rates by state</a></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">Our methodology</a></li><li><a href="#FAQs" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #FAQs">Frequently asked questions</a></li></ul></div></div><div class="sc-b1ff6b49-1 iEaleX toc-desktop"><div class="sc-b1ff6b49-4 dsAQFp">On this page</div><div class="sc-b1ff6b49-3 diyRdl content-wrapper"><ul><li><a href="#Highest-CD-Rates-by-term-length" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #Highest-CD-Rates-by-term-length">Highest CD rates by term length</a></li><li><a href="#current-news" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #current-news">Current news on CD rates</a></li><li><a href="#best-cd-rates" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best-cd-rates">The 10 best CD rates overall</a><ul><li><a href="#discover" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #discover">Discover</a></li><li><a href="#mysb" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #mysb">MYSB Direct</a></li><li><a href="#everbank" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #everbank">EverBank</a></li><li><a href="#bread" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bread">Bread Savings</a></li><li><a href="#alliant" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alliant">Alliant Credit Union</a></li><li><a href="#capone" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #capone">Capital One 360</a></li><li><a href="#synchrony" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #synchrony">Synchrony Bank</a></li><li><a href="#first-national" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #first-national">First National Bank of America</a></li><li><a href="#ally" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #ally">Ally Bank</a></li><li><a href="#popular" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #popular">Popular Direct</a></li></ul></li><li><a href="#complete-guide" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #complete-guide">Complete guide to CDs</a></li><li><a href="#how-to-choose" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-choose">How to choose the best CD</a></li><li><a href="#pros-and-cons" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pros-and-cons">Pros & cons of CDs</a></li><li><a href="#alternatives" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alternatives">Alternatives to CDs</a></li><li><a href="#rates-by-state" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #rates-by-state">Rates by state</a></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">Our methodology</a></li><li><a href="#FAQs" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #FAQs">Frequently asked questions</a></li></ul></div></div></nav><div class="sc-82385409-1 lbNltL article-content" data-cy="content"><div><div data-cy="articleContent" class="rawHtml-content-no-nativo"><p>While interest rates are taking a dip due to recent changes from the Federal Reserve, some of the best CDs still offer rates near 5%. By signing up for a certificate of deposit (CD) or share certificate, you can earn extra cash without extra risk. As long as your financial institution is covered by Federal Deposit Insurance Corp. (FDIC) or National Credit Union Administration (NCUA) insurance, your money is safe up to $250,000 per depositor. </p><div class="paywall-selector"></div><div class="paywall"> <p>With a CD, you tie up your savings for a fixed term and, in exchange, you get a rate that beats what a traditional savings account offers. However, beware of early withdrawal penalties: If you tap your cash before the CD matures, you’ll be on the hook for a penalty typically worth a few months’ of interest.</p> <details class="wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Why trust Fortune Recommends</h3></summary><p>Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our <a href="https://fortune.com/fortune-recommends-editorial-guidelines/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-editorial-guidelines/">editorial guidelines</a> and the <a href="https://fortune.com/fortune-recommends-banking-methodology/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-banking-methodology/">banking methodology</a> for the ratings below.</p> <h4 class="wp-block-heading"></h4> <ul><li>Over 95 financial institutions compared</li> <li>More than 1,000 data points tracked</li> <li>4 levels of fact-checking</li> <li>Guided by 25+ years of banking experience</li></ul></details> <h2 class="wp-block-heading">Highest current CD rates (overall)</h2> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="Table" id="datawrapper-chart-94Exq" frameBorder="0" height="1412" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/94Exq/18/" style="border:none" title="Highest current CD Rates" width="100%"></iframe></div></figure> <div class="wp-block-group comparison-table-group-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h2 class="wp-block-heading sponsored-disclosure">SPONSORED PARTNERS</h2> <figure class="wp-block-table comparison-table-widget"><table><thead><tr><th><img alt="Discover Bank logo" loading="lazy" width="150" height="94" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 150 94'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Discover_logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Discover_logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Discover_logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Discover_logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Discover_logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Discover_logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Discover_logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Discover_logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Discover_logo.png?w=1440&q=75"/><br/>Discover</th><th><img alt="Barclays logo" loading="lazy" width="150" height="94" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 150 94'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Barclays_logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Barclays_logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Barclays_logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Barclays_logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Barclays_logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Barclays_logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Barclays_logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Barclays_logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Barclays_logo.png?w=1440&q=75"/><br/>Barclays</th><th><img alt="Marcus by Goldman Sachs" loading="lazy" width="150" height="94" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 150 94'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/07/Marcus-by-Goldman-Sachs-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Marcus-by-Goldman-Sachs-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Marcus-by-Goldman-Sachs-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Marcus-by-Goldman-Sachs-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Marcus-by-Goldman-Sachs-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Marcus-by-Goldman-Sachs-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Marcus-by-Goldman-Sachs-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/07/Marcus-by-Goldman-Sachs-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/07/Marcus-by-Goldman-Sachs-logo.png?w=1440&q=75"/><br/>Marcus by Goldman Sachs</th></tr></thead><tbody><tr><td><strong>Minimum opening despoit</strong></td><td><strong>Minimum opening despoit</strong></td><td><strong>Minimum opening despoit</strong></td></tr><tr><td>$0</td><td>$0</td><td>$500</td></tr><tr><td><strong>APY on a 1-year CD</strong></td><td><strong>APY on a 1-year CD</strong></td><td><strong>APY on a 1-year CD</strong></td></tr><tr><td>4.10%</td><td>4.25%</td><td>4.10%</td></tr><tr><td><strong>Range of terms</strong></td><td><strong>Range of terms</strong></td><td><strong>Range of terms</strong></td></tr><tr><td>3 months - 10 years</td><td>3 months - 5 years</td><td>6 months - 6 years</td></tr><tr><td><a href="https://secure.money.com/pr/mba008c5a0fe?s1=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/mba008c5a0fe?s1=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Discover</td><td><a href="https://secure.money.com/pr/lb3d0c2945ff?s1=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/lb3d0c2945ff?s1=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Barclays</td><td><a href="https://oc.brcclx.com/t?lid=26723551&tid=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723551&tid=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Bankrate</td></tr></tbody></table></figure></div></div> <h2 class="wp-block-heading has-text-align-left">Find the best CD for you</h2> <p>Use the widget below to find the CDs with the best rates in your area.</p><div data-cy="nativoTout"></div> <div class="myFinance-widget" data-ad-id="ed375ef3-c83b-43c1-8a5a-57347a4e9d42" data-campaign="fortune-cds-multi" data-sub-id="cds-multi-cc"></div> <h2 class="wp-block-heading" id="Highest-CD-Rates-by-term-length">Best CD Rates by term length</h2> <p>In most cases, financial institutions will vary the APY of a CD depending on the length of time you’re willing to deposit the money. While this doesn’t always mean you’ll earn a higher rate over a longer term, comparing products by term length is worth it to ensure you’re getting the most bang for your buck. In collaboration with Curinos, we've gathered details on some of the highest CD rates available for common term lengths.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="Table" id="datawrapper-chart-DkC95" frameBorder="0" height="414" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/DkC95/10/" style="border:none" title="Best CD Rates by term length" width="100%"></iframe></div></figure> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>See more CDs by term length</h4></summary><p>Open the drawers below to see examples of top rates by term length. Rates are updated daily, however, you should always refer to the institution itself for the most accurate information.</p> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Best 1-month CD rates</h3></summary><p>The highest <a href="https://fortune.com/recommends/banking/best-1-month-cds/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-1-month-cds/">1-month CD rate</a> today is 3.67% from Merchants Bank of Indiana.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-Izx63" frameBorder="0" height="360" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/Izx63/9/" style="border:none" title="1 month CD rates (top 5)" width="100%"></iframe></div></figure></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Best 3-month CD rates</h3></summary><p>The highest <a href="https://fortune.com/recommends/banking/the-best-3-month-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-3-month-cd-rates/">3-month CD rate</a> today is 4.72% from UMB Bank.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-xR0r2" frameBorder="0" height="281" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/xR0r2/7/" style="border:none" title="3 month CD rates (top 5)" width="100%"></iframe></div></figure></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Best 6-month CD rates</h3></summary><p>The highest <a href="https://fortune.com/recommends/banking/the-best-6-month-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-6-month-cd-rates/">6-month CD rate</a> today is 4.95% from Regent Bank.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-Ki4lR" frameBorder="0" height="324" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/Ki4lR/5/" style="border:none" title="6-month CD rates (top 5)" width="100%"></iframe></div></figure></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Best 9-month CD rates</h3></summary><p>The highest <a href="https://fortune.com/recommends/banking/the-best-9-month-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-9-month-cd-rates/">9-month CD rate</a> today is 4.45% from Popular Direct.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-LJ28w" frameBorder="0" height="342" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/LJ28w/5/" style="border:none" title="9 month CD rates (top 5)" width="100%"></iframe></div></figure></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Best 1-year CD rates</h3></summary><p>The highest <a href="https://fortune.com/recommends/banking/best-1-year-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-1-year-cd-rates/">1-year CD rate</a> today is 4.90% from Regent Bank.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-mFiN8" frameBorder="0" height="281" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/mFiN8/7/" style="border:none" title="1-year CD rates (top 5)" width="100%"></iframe></div></figure></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Best 18-month CD rates</h3></summary><p>The highest <a href="https://fortune.com/recommends/banking/the-best-18-month-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-18-month-cd-rates/">18-month CD rate</a> today is 4.35% from Newtek Bank.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-PDngi" frameBorder="0" height="734" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/PDngi/1/" style="border:none" title="18 month CD rates (top 20)" width="100%"></iframe></div></figure></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Best 2-year CD rates</h3></summary><p>The highest <a href="https://fortune.com/recommends/banking/the-best-2-year-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-2-year-cd-rates/">2-year CD rate</a> today is 4.29% from First National Bank of America.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-dUPeI" frameBorder="0" height="700" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/dUPeI/9/" style="border:none" title="2 year CD rates" width="100%"></iframe></div></figure></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Best 3-year CD rates</h3></summary><p>The highest <a href="https://fortune.com/recommends/banking/best-3-year-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-3-year-cd-rates/">3-year CD rate</a> today is 4.10% from Customers Bank.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-xPxmY" frameBorder="0" height="297" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/xPxmY/6/" style="border:none" title="3-year CD rates (top 5)" width="100%"></iframe></div></figure></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Best 4-year CD rates</h3></summary><p>The highest <a href="https://fortune.com/recommends/banking/the-best-4-year-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-4-year-cd-rates/">4-year CD rate</a> today is 4.05% from Morgan Stanley.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-dI7ju" frameBorder="0" height="700" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/dI7ju/9/" style="border:none" title="4 year CD rates (top 5)" width="100%"></iframe></div></figure></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Best 5-year CD rates</h3></summary><p>The highest <a href="https://fortune.com/recommends/banking/the-best-5-year-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-5-year-cd-rates/">5-year CD rate</a> today is 4.10% from Morgan Stanley.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-Oy8KP" frameBorder="0" height="279" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/Oy8KP/7/" style="border:none" title="5-year CD rates (top 5)" width="100%"></iframe></div></figure></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Best 10-year CD rates</h3></summary><p>The highest <a href="https://fortune.com/recommends/banking/the-best-10-year-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-10-year-cd-rates/">10-year CD rate</a> today is 3.76% from First National Bank of America.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-CWDuy" frameBorder="0" height="298" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/CWDuy/9/" style="border:none" title="10 year CD rates (top 5)" width="100%"></iframe></div></figure></details></details> <h2 class="wp-block-heading" id="current-news">Current news on CD rates</h2> <p>Over the last two years, CD rates marched higher as the <a href="https://fortune.com/recommends/banking/fed-rate-change-history-forecast/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/fed-rate-change-history-forecast/">Federal Reserve hiked interest rates</a> and then kept them elevated to help get inflation under control. But now that inflation has cooled, the Fed has changed its tune. The Fed cut rates for the second consecutive time at its meeting on November 7th, 2024, and now <a href="https://fortune.com/recommends/banking/will-cd-rates-go-up/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/will-cd-rates-go-up/">CD rates are falling</a> in response.</p> <p>If you are thinking about <a href="https://fortune.com/recommends/banking/should-you-open-certificate-of-deposit-now-or-wait/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/should-you-open-certificate-of-deposit-now-or-wait/">jumping into a CD</a>, you shouldn’t wait too much longer. After the Fed rate decreases, we’re already seeing rates that were above 5.00% APY a month ago now below that threshold. And be wary of any CDs that are near maturity. If you plan to let it renew, make sure you are still getting a good rate. You may want to shop around instead of letting it automatically renew.</p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Market insight</h3> <p>"We believe that the market will undergo some volatility as we get closer to the election, however, lowering interest rates now—and telegraphing another 50 bps in cuts by the end of this year and a total of 150 bps more by the end of next year—should allow the market to hit all-time highs again by the end of this year, and more gains for next year."<br/><br/><em>— Chris Zaccarelli, Chief Investment Officer for Independent Advisor Alliance</em></p></div></div> <p>According to the <a href="https://fortune.com/recommends/banking/what-is-fdic-insurance/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-fdic-insurance/">FDIC</a>, the average 12-month CD rate today is 1.88%. However, many banks currently offer rates of 4%–5%, especially for terms under two years. This allows them to attract new customers with high rates, without allowing them to lock in that rate for an extended period of time. </p> <p>Our reserch shows that CD rates for terms of three years or more have been steadily falling over the past six months, and short-term CDs are now dropping quickly as well. Savvy investors may be able to take advantage of the high rates on short term lengths by building a <a href="#cd-ladder" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #cd-ladder">CD ladder</a> instead of dumping all their funds into a single long-term CD.</p> <h2 class="wp-block-heading" id="best-cd-rates">The best CD rates: our top picks*</h2> <p>Here’s our rundown of the top 10 CDs according to <a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">our research</a>, including the key figures you should know before you open an account. Click on “see more CD rates” to view potential earnings with each institution’s rates and term lengths.</p> <p>*Note: APYs for these institutions are updated daily, but are subject to change. Please refer to the website of each provider for the most up-to-date information.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Summary</h4></summary><ul><li><strong><a href="https://fortune.com/recommends/banking/alliant-credit-union-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/alliant-credit-union-review/">Alliant Credit Union</a>:</strong> Rates up to 4.30%</li> <li><strong><a href="https://fortune.com/recommends/banking/first-internet-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/first-internet-bank-review/">First Internet Bank</a>:</strong> Rates up to 4.42%</li> <li><strong><a href="https://fortune.com/recommends/banking/everbank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/everbank-review/">EverBank</a>:</strong> Rates up to 4.15%</li> <li><strong>Synchrony:</strong> Rates up to 4.05%</li> <li><strong><a href="https://fortune.com/recommends/banking/marcus-by-goldman-sachs-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/marcus-by-goldman-sachs-review/">Marcus by Goldman Sachs</a>:</strong> Rates up to 4.10%</li> <li><strong><a href="https://fortune.com/recommends/banking/mysb-direct-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/mysb-direct-review/">MYSB Direct</a>:</strong> Rates up to 4.25%</li> <li><strong><a href="https://fortune.com/recommends/banking/tab-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/tab-bank-review/">TAB Bank</a>:</strong> Rates up to 4.25%</li> <li><strong><a href="https://fortune.com/recommends/banking/capital-one-360-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/capital-one-360-review/">Capital One 360</a>: </strong>Rates up to 4.10%</li> <li><strong><a href="https://fortune.com/recommends/banking/discover-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/discover-bank-review/">Discover</a>: </strong>Rates up to 4.10%</li> <li><strong><a href="https://fortune.com/recommends/banking/prime-alliance-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/prime-alliance-bank-review/">Prime Alliance Bank</a>:</strong> Rates up to 4.50%</li></ul></details> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Institution</th><th scope="col">Term length</th><th scope="col">APY*</th><th scope="col">Minimum opening deposit</th><th scope="col">See details</th></tr></thead><tbody><tr><th scope="row">Discover</th><td class="">12 months</td><td class="">4.10%</td><td class="">$0</td><td class="last-cell"><a href="https://secure.money.com/pr/mba008c5a0fe?s1=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/mba008c5a0fe?s1=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Discover</td></tr><tr><th scope="row">MYSB Direct</th><td class="">9 months</td><td class="">4.40%</td><td class="">$500</td><td class="last-cell"><a href="https://fortune.com/recommends/banking/mysb-direct-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/mysb-direct-review/">Read our review</a><br/>of MYSB Direct</td></tr><tr><th scope="row">EverBank</th><td class="">9 months</td><td class="">4.15%</td><td class="">$1,000</td><td class="last-cell"><a href="https://fortune.com/recommends/banking/everbank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/everbank-review/" data-type="link" data-id="https://fortune.com/recommends/banking/everbank-review/">Read our review</a><br/>of EverBank</td></tr><tr><th scope="row">Bread Savings</th><td class="">6 months</td><td class="">4.70%</td><td class="">$1,500</td><td class="last-cell"><a href="https://offers.engine.tech/channelTrackingOfferRedirect/3200ac8a-4100-4a9e-b82b-42ed1aadea62/088da6a0-d4df-4df3-91ee-f0efdc768255?tag.sub_id=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://offers.engine.tech/channelTrackingOfferRedirect/3200ac8a-4100-4a9e-b82b-42ed1aadea62/088da6a0-d4df-4df3-91ee-f0efdc768255?tag.sub_id=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Alliant Credit Union</th><td class="">12 months</td><td class="">4.25%</td><td class="">$1,000</td><td class="last-cell"><a href="https://secure.money.com/pr/le0b54109b1f?s1=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/le0b54109b1f?s1=3390968" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Alliant</td></tr><tr><th scope="row">Capital One 360</th><td class="">12 months</td><td class="">4.10%</td><td class="">$0</td><td class="last-cell"><a href="https://oc.brcclx.com/t?lid=26723557&tid=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723557&tid=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Bankrate</td></tr><tr><th scope="row">Synchrony Bank</th><td class="">9 months</td><td class=""><br/>4.05%</td><td class=""><br/>$0</td><td class="last-cell"><a href="https://oc.brcclx.com/t?lid=26723548&tid=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723548&tid=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Bankrate</td></tr><tr><th scope="row">First National Bank of America</th><td class="">12 months</td><td class="">4.26%</td><td class="">$1,000</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings&tag.sub_id=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings&tag.sub_id=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Ally Bank</th><td class="">9 months</td><td class="">4.30%</td><td class="">$0</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally-ira-cd&tag.sub_id=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally-ira-cd&tag.sub_id=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Popular Direct</th><td class="">3 months</td><td class="">4.60%</td><td class="">$10,000</td><td class="last-cell"><a href="https://oc.brcclx.com/t?lid=26723555&tid=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723555&tid=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Bankrate</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJo"><thead><tr><th colSpan="5">The best CD rates: our top picks*</th></tr></thead><tbody><tr><th>Discover</th><th class="last-cell"><a href="https://secure.money.com/pr/mba008c5a0fe?s1=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/mba008c5a0fe?s1=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Discover</th></tr><tr><th class="header" scope="row">Term length</th><td>12 months</td></tr><tr><th class="header" scope="row">APY*</th><td>4.10%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr><tr><th>MYSB Direct</th><th class="last-cell"><a href="https://fortune.com/recommends/banking/mysb-direct-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/mysb-direct-review/">Read our review</a><br/>of MYSB Direct</th></tr><tr><th class="header" scope="row">Term length</th><td>9 months</td></tr><tr><th class="header" scope="row">APY*</th><td>4.40%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$500</td></tr><tr><th>EverBank</th><th class="last-cell"><a href="https://fortune.com/recommends/banking/everbank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/everbank-review/" data-type="link" data-id="https://fortune.com/recommends/banking/everbank-review/">Read our review</a><br/>of EverBank</th></tr><tr><th class="header" scope="row">Term length</th><td>9 months</td></tr><tr><th class="header" scope="row">APY*</th><td>4.15%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$1,000</td></tr><tr><th>Bread Savings</th><th class="last-cell"><a href="https://offers.engine.tech/channelTrackingOfferRedirect/3200ac8a-4100-4a9e-b82b-42ed1aadea62/088da6a0-d4df-4df3-91ee-f0efdc768255?tag.sub_id=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://offers.engine.tech/channelTrackingOfferRedirect/3200ac8a-4100-4a9e-b82b-42ed1aadea62/088da6a0-d4df-4df3-91ee-f0efdc768255?tag.sub_id=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Term length</th><td>6 months</td></tr><tr><th class="header" scope="row">APY*</th><td>4.70%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$1,500</td></tr><tr><th>Alliant Credit Union</th><th class="last-cell"><a href="https://secure.money.com/pr/le0b54109b1f?s1=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/le0b54109b1f?s1=3390968" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Alliant</th></tr><tr><th class="header" scope="row">Term length</th><td>12 months</td></tr><tr><th class="header" scope="row">APY*</th><td>4.25%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$1,000</td></tr><tr><th>Capital One 360</th><th class="last-cell"><a href="https://oc.brcclx.com/t?lid=26723557&tid=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723557&tid=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Bankrate</th></tr><tr><th class="header" scope="row">Term length</th><td>12 months</td></tr><tr><th class="header" scope="row">APY*</th><td>4.10%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr><tr><th>Synchrony Bank</th><th class="last-cell"><a href="https://oc.brcclx.com/t?lid=26723548&tid=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723548&tid=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Bankrate</th></tr><tr><th class="header" scope="row">Term length</th><td>9 months</td></tr><tr><th class="header" scope="row">APY*</th><td><br/>4.05%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td><br/>$0</td></tr><tr><th>First National Bank of America</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings&tag.sub_id=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings&tag.sub_id=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Term length</th><td>12 months</td></tr><tr><th class="header" scope="row">APY*</th><td>4.26%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$1,000</td></tr><tr><th>Ally Bank</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally-ira-cd&tag.sub_id=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally-ira-cd&tag.sub_id=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Term length</th><td>9 months</td></tr><tr><th class="header" scope="row">APY*</th><td>4.30%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr><tr><th>Popular Direct</th><th class="last-cell"><a href="https://oc.brcclx.com/t?lid=26723555&tid=3390968" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723555&tid=3390968" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Bankrate</th></tr><tr><th class="header" scope="row">Term length</th><td>3 months</td></tr><tr><th class="header" scope="row">APY*</th><td>4.60%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$10,000</td></tr></tbody></table></div> <h2 class="wp-block-heading" id="discover">Discover 12-month CD: 4.10% APY</h2> <p>Discover Bank is part of the Discover Financial Services company, which is primarily known for its credit card products. Discover Bank, however, offers a range of other financial services beyond just credit cards, including online deposit account options.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="discover" class="card-title">Discover</h3> <p class="card-subtitle"><strong>Minimum opening deposit:</strong> <span data-sheets-root="1" data-sheets-value="{"1":2,"2":"$0"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">$0</span></p> <section class="card-description"> <table> <tbody> <tr> <th>Term length</th> <th>APY</th> </tr> <tr> <td>1-year CD</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"4.10"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">4.10%</span></td> </tr> <tr> <td>3-year CD</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"3.50"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">3.50%</span></td> </tr> <tr> <td>5-year CD</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"3.40"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">3.40%</span></td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Discover_Bank_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Discover_Bank_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Discover_Bank_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Discover_Bank_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Discover_Bank_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Discover_Bank_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Discover_Bank_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Discover_Bank_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Discover_Bank_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://secure.money.com/pr/mba008c5a0fe?s1=3390968" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://secure.money.com/pr/mba008c5a0fe?s1=3390968" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Discover</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <input id="control0-b8265aa0-7bfc-4724-ac4e-846b8889c2cc" role="tab" name="accordion-pannel-b8265aa0-7bfc-4724-ac4e-846b8889c2cc" type="radio" aria-controls="content0-b8265aa0-7bfc-4724-ac4e-846b8889c2cc" checked=""/> <label tabindex="0" role="button" for="control0-b8265aa0-7bfc-4724-ac4e-846b8889c2cc">Eligibility</label> <div id="content0-b8265aa0-7bfc-4724-ac4e-846b8889c2cc" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-b8265aa0-7bfc-4724-ac4e-846b8889c2cc"> Customers can open a CD with Discover Bank online in a few simple steps. You will be required to provide your address, social security number, and a minimum opening deposit of $0. </div> <!-- --> <input id="control1-b8265aa0-7bfc-4724-ac4e-846b8889c2cc" role="tab" name="accordion-pannel-b8265aa0-7bfc-4724-ac4e-846b8889c2cc" type="radio" aria-controls="content1-b8265aa0-7bfc-4724-ac4e-846b8889c2cc"/> <label id="label1-b8265aa0-7bfc-4724-ac4e-846b8889c2cc" tabindex="0" role="button" for="control1-b8265aa0-7bfc-4724-ac4e-846b8889c2cc">Early withdrawal penalties</label> <div id="content1-b8265aa0-7bfc-4724-ac4e-846b8889c2cc" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-b8265aa0-7bfc-4724-ac4e-846b8889c2cc"> If you must withdraw funds from your Discover Bank CD before it matures, an early withdrawal penalty will apply. The amount of the penalty will vary depending on the length of your CD: <li><strong>Less than 1 year:</strong> 3 months simple interest</li> <li><strong>1-4 years:</strong> 6 months simple interest</li> <li><strong>4-5 years:</strong> 9 months simple interest</li> <li><strong>5-7 year:</strong> 18 months simple interest</li> <li><strong>7-10 years:</strong> 24 months simple interest</li> </div> <a href="https://secure.money.com/pr/mba008c5a0fe?s1=3390968" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://secure.money.com/pr/mba008c5a0fe?s1=3390968" rel="noopener" aria-disabled="true"> </a> <p class="cta-caption">at Discover</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Discover has no minimum to open a CD, and it offers a broad range of CDs, with durations of up to 10 years. If you plan to invest in a Discover CD, the short-term options are currently offering better rates than CDs that last many years.</p> <p>While Discover is probably best known as a credit card processor, its deposit products are well-rounded and easily accessible. New customers can quickly sign up online (there are no physical branches) and get access to funds at any time through a vast network of over 60,000 ATMs. An extensive online frequently asked questions (FAQs) can help provide answers to common inquiries, and representatives are available by phone 24/7 for more difficult questions.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Discover Bank CD rates</h4></summary><p>Bucking the trend of many well-known names in the banking industry, Discover Bank’s CD rates are very competitive. While the $0 minimum deposit may be a downside for many, there’s no denying it provides a decent return on the investment.<br/><br/>Rates below are updated weekly, and end value calculations assume a $0 minimum deposit (as required by the institution).</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="Table" id="datawrapper-chart-x8Ha1" frameBorder="0" height="596" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/x8Ha1/17/" style="border:none" title="Discover Bank CD rates" width="100%"></iframe></div></figure></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Discover Bank</h4></summary><p>Discover has no shortage of product offerings for interested customers. Its checking account provides attractive cash back options, its high-yield savings account offers more than five times the national average, and it offers multiple IRA options for retirement planning.</p></details> <p><strong>Learn more:</strong> read our <a href="https://fortune.com/recommends/banking/discover-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/discover-bank-review/">Discover Bank review</a></p> <h2 class="wp-block-heading" id="mysb">MYSB Direct 9-month CD: 4.40% APY</h2> <p>MYSB Direct, a.k.a. M.Y. Safra Bank, is headquartered in New York City and operates a single branch there. Its products include personal checking and savings accounts, lending services, and more. </p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="mysb" class="card-title">MYSB Direct</h4> <p class="card-subtitle"><strong>Minimum opening deposit:</strong> $500</p> <section class="card-description"> <table> <tbody> <tr> <th>Term Length</th> <th>APY</th> </tr> <tr> <td>1-year CD</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"4.25"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">4.25</span>%</td> </tr> <tr> <td>3-year CD</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"3.90"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">3.90</span>%</td> </tr> <tr> <td>5-year CD</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"3.90"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">3.90</span>%</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_M.Y._Safra_Bank_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_M.Y._Safra_Bank_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_M.Y._Safra_Bank_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_M.Y._Safra_Bank_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_M.Y._Safra_Bank_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_M.Y._Safra_Bank_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_M.Y._Safra_Bank_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_M.Y._Safra_Bank_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_M.Y._Safra_Bank_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://oc.brcclx.com/t?lid=26723529&tid=3390968" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723529&tid=3390968" rel="noopener" aria-disabled="true">View offer at Bankrate </a></div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <input id="control0-917cd130-a354-449c-a3b0-8300edfdcc23" role="tab" name="accordion-pannel-917cd130-a354-449c-a3b0-8300edfdcc23" type="radio" aria-controls="content0-917cd130-a354-449c-a3b0-8300edfdcc23" checked=""/> <label tabindex="0" role="button" for="control0-917cd130-a354-449c-a3b0-8300edfdcc23">Eligibility</label> <div id="content0-917cd130-a354-449c-a3b0-8300edfdcc23" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-917cd130-a354-449c-a3b0-8300edfdcc23"> The minimum deposit for MYSB Direct's CDs is $500 for all its regular CDs and $5,000 for its 13-month no-penalty CD. Customers can apply online for any term length. </div> <!-- --> <input id="control1-917cd130-a354-449c-a3b0-8300edfdcc23" role="tab" name="accordion-pannel-917cd130-a354-449c-a3b0-8300edfdcc23" type="radio" aria-controls="content1-917cd130-a354-449c-a3b0-8300edfdcc23"/> <label id="label1-917cd130-a354-449c-a3b0-8300edfdcc23" tabindex="0" role="button" for="control1-917cd130-a354-449c-a3b0-8300edfdcc23">Early withdrawal penalties</label> For all but the no-penalty CD, the penalty is equal to 90 days of interest. If interest during the term is greater than 90 days, the penalty will be equal to all interest earned. <div id="content1-917cd130-a354-449c-a3b0-8300edfdcc23" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-917cd130-a354-449c-a3b0-8300edfdcc23"> </div> <a href="https://oc.brcclx.com/t?lid=26723529&tid=3390968" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723529&tid=3390968" rel="nofollow noopener" aria-disabled="true">View offer at Bankrate</a> </section></div> </div> <p><strong>Why we picked it</strong></p> <p>While MYSB Direct doesn’t boast the absolute highest rates on their CDs, they provide a variety of term lengths, allowing you to select a maturity that aligns with your financial goals, plus it has a relatively low minimum opening deposit of $500. MYSB’s 9-month CD is right around some of the highest available today at 4.40%, though—so if you’re in the market for a shorter term length, MYSB could be a solid option. </p> <p>MYSB Direct has one physical location in New York City, but you can reach customer service via email or phone. Note that MYSB has one of the heftiest early withdrawal penalties, so be prepared to keep your hands off your money or pay up. </p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4><strong>MYSB CD rates</strong></h4></summary><figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-DMsNd" frameBorder="0" height="613" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/DMsNd/3/" style="border:none" title="MYSB Direct CD rates" width="100%"></iframe></div></figure></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from MYSB Direct</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td><br/>No-Penalty CD</td><td>13-month term length<br/>4.75% APY</td></tr><tr><td>MMA</td><td>5.25% APY<br/>Minimum daily balance of $5,000 required to earn APY<br/>$10 monthly fee for accounts with less than $5,000</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/mysb-direct-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/mysb-direct-review/">MYSB Direct review</a></p> <h2 class="wp-block-heading" id="everbank">EverBank 9-month CD: 4.15% APY</h2> <p>Founded in 1998, EverBank, formerly known as TIAA Bank, is a Jacksonville, Florida-based bank offering CDs, high-yield savings accounts, checking accounts, and more.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="everbank" class="card-title">EverBank</h4> <p class="card-subtitle"><strong>Minimum opening deposit:</strong> $1,000</p> <section class="card-description"> <table> <tbody> <tr> <th>Term length</th> <th>APY</th> </tr> <tr> <td>1-year CD</td> <td>4.00%</td> </tr> <tr> <td>3-year CD</td> <td>3.50%</td> </tr> <tr> <td>5-year CD</td> <td>3.50%</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2022/10/Everbank_logo-1.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Everbank_logo-1.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Everbank_logo-1.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Everbank_logo-1.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Everbank_logo-1.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Everbank_logo-1.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Everbank_logo-1.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Everbank_logo-1.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2022/10/Everbank_logo-1.png?w=1440&q=75"/></div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <input id="control0-068ba59d-14d0-4c9d-87b9-ff3729c10913" role="tab" name="accordion-pannel-068ba59d-14d0-4c9d-87b9-ff3729c10913" type="radio" aria-controls="content0-068ba59d-14d0-4c9d-87b9-ff3729c10913" checked=""/> <label tabindex="0" role="button" for="control0-068ba59d-14d0-4c9d-87b9-ff3729c10913">Eligibility</label> <div id="content0-068ba59d-14d0-4c9d-87b9-ff3729c10913" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-068ba59d-14d0-4c9d-87b9-ff3729c10913"> CD accounts can be opened online easily in a few steps. You can send an opening deposit (of at least $1,000) by online transfer, wire transfer, or mail. Customers in Florida can open an account at one of the bank’s eight locations in the state. </div> <!-- --> <input id="control1-068ba59d-14d0-4c9d-87b9-ff3729c10913" role="tab" name="accordion-pannel-068ba59d-14d0-4c9d-87b9-ff3729c10913" type="radio" aria-controls="content1-068ba59d-14d0-4c9d-87b9-ff3729c10913"/> <label id="label1-068ba59d-14d0-4c9d-87b9-ff3729c10913" tabindex="0" role="button" for="control1-068ba59d-14d0-4c9d-87b9-ff3729c10913">Early withdrawal penalties</label> <div id="content1-068ba59d-14d0-4c9d-87b9-ff3729c10913" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-068ba59d-14d0-4c9d-87b9-ff3729c10913"> The early withdrawal penalty is equal to a quarter of the total interest that would have been earned on the principal balance of the account if funds had not been withdrawn prior to the maturity date, such as 91 days of simple interest for a one-year CD. </div> <a href="https://fortune.com/recommends/banking/everbank-review/" target="_blank" class="sc-93594058-0 fowfrQ button-mobile " aria-label="Go to https://fortune.com/recommends/banking/everbank-review/" rel="noopener">Read review </a> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>EverBank stands out because of the wide range of term lengths and solid APYs it offers on its CDs. It offers 10 different term lengths, ranging from three months to five years, so it could be a great option for setting up a <a href="#cd-ladder" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #cd-ladder">CD ladder</a>. Customers can get an interest rate of close to 4% or higher on all of its term lengths, but you’ll need to have a bit of a nest egg saved up to invest: the minimum opening deposit is $1,000. </p> <p>Customers living near a physical branch in Florida could have the added benefit of in-person banking at one of the institution’s eight locations. The mobile app is still serviced through TIAA and is rated over four stars on both the Apple and Google platforms. EverBank is part of both the Allpoint and MoneyPass ATM networks, so customers have access to over 100,000 fee-free ATMs.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>EverBank CD rates</h4></summary><p>Most of EverBank’s CD rates are over 4%, meaning you’ll get a decent return regardless of your term length.</p> <p>End value calculations on the table below assume a $1,000 minimum deposit, as required by the bank. Rates are updated weekly but are subject to change.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-xalS2" frameBorder="0" height="613" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/xalS2/5/" style="border:none" title="Everbank CD rates" width="100%"></iframe></div></figure></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from EverBank</h4></summary><p>In addition to a generous amount of CDs, EverBank also offers checking accounts, savings accounts, and MMAs. Someone looking to do all their online banking in one place could take advantage of EverBank’s high rates across its various product offerings.</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking accounts</td><td>$25 minimum deposit for standard account, $100 for high-yield account<br/>Access to over 100,000 ATMs<br/>No monthly fee<br/>Up to 0.45% APY on the Yield account</td></tr><tr><td>Savings accounts</td><td>4.75% APY<br/>No minimum deposit to open<br/>No monthly fee</td></tr><tr><td>MMAs</td><td>4.3% APY<br/>$0 minimum to open the account</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more:</strong> read our <a href="https://fortune.com/recommends/banking/everbank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/everbank-review/">EverBank review</a></p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>"EverBank is known for its high-yield savings, CDs, and money market accounts that have a fairly low-cost entry point. The Florida-based bank has a CD with excellent APYs, but it is limited in terms of personal banking products beyond these interest-bearing accounts. Also, EverBank is undergoing a new desktop and mobile banking app revamp, so it is currently clunky when compared to banks with more advanced apps, such as having AI-powered assistants."<br/><br/>— <em><a href="https://fortune.com/author/rachel-witkowski/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/author/rachel-witkowski/">Rachel Witkowski</a>, Fortune Recommends contributor</em></p></div></div> <h2 class="wp-block-heading" id="bread">Bread Savings 6-month CD: 4.70% APY</h2> <p>Bread Savings, formerly Comenity Direct Bank, is an online bank—part of Bread Financial—that offers CDs ranging from one to five years and a high-yield savings account.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="popular-direct" class="card-title">Bread Savings</h3> <p class="card-subtitle"><strong>Minimum opening deposit:</strong> $1,500</p> <section class="card-description"> <table> <tbody> <tr> <th>Term length</th> <th>APY</th> </tr> <tr> <td>1-year CD</td> <td>4.30%</td> </tr> <tr> <td>3-year CD</td> <td>3.90%</td> </tr> <tr> <td>5-year CD</td> <td>3.85%</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png?w=1440&q=75"/></div> <div class="card-area-3"></div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <input id="control0-7b95c3ef-f48a-4830-8d74-290612507927" role="tab" name="accordion-pannel-7b95c3ef-f48a-4830-8d74-290612507927" type="radio" aria-controls="content0-7b95c3ef-f48a-4830-8d74-290612507927" checked=""/> <label tabindex="0" role="button" for="control0-7b95c3ef-f48a-4830-8d74-290612507927">Eligibility</label> <div id="content0-7b95c3ef-f48a-4830-8d74-290612507927" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-7b95c3ef-f48a-4830-8d74-290612507927">All CDs can be opened online</div> <!-- --> <input id="control1-7b95c3ef-f48a-4830-8d74-290612507927" role="tab" name="accordion-pannel-7b95c3ef-f48a-4830-8d74-290612507927" type="radio" aria-controls="content1-7b95c3ef-f48a-4830-8d74-290612507927"/> <label id="label1-7b95c3ef-f48a-4830-8d74-290612507927" tabindex="0" role="button" for="control1-7b95c3ef-f48a-4830-8d74-290612507927">Early withdrawal penalties</label> <div id="content1-7b95c3ef-f48a-4830-8d74-290612507927" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-7b95c3ef-f48a-4830-8d74-290612507927">Less than 1 year: 90 days’ simple interest 1 to 3 years: 180 days’ simple interest 4 years or greater: 365 days simple interest</div> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>While its opening deposit is above $1,000, Bread Savings offers its customers competitive APYs on its one-, three-, and five-year CDs. However, accountholders should be aware of fees charged for outgoing wire transfers, official check requests, and paper statement fees. </p> <p>Bread Savings is a digital bank. If customers need help, they can call or send a secure message through its banking portal.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Bread Savings CD rates</h4></summary><figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="Table" id="datawrapper-chart-yRcxS" frameBorder="0" height="558" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/yRcxS/17/" style="border:none" title="Bread Savings CD Rates " width="100%"></iframe></div></figure></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Bread Savings</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>High-yield savings account</td><td>4.65% APY<br/>$100 minimum deposit to open</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/bread-savings-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/bread-savings-review/">Bread Savings review</a></p> <h2 class="wp-block-heading" id="alliant">Alliant Credit Union 12-month CD: 4.25% APY</h2> <p>Founded in 1935, Alliant Credit Union is a not-for-profit credit union that offers deposit accounts—savings accounts and <a href="https://fortune.com/recommends/banking/what-is-a-share-certificate/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-a-share-certificate/">share certificates</a>—and lending products like auto loans and mortgages.</p> <p>Membership eligibility is extended to current or former employees of Alliant’s partner organizations, or residents or workers in a Chicago-area community. You can also become a member by becoming an Alliant Credit Union Foundation digital inclusion advocate.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="alliant" class="card-title">Alliant Credit Union</h4> <p class="card-subtitle"><strong>Minimum opening deposit:</strong> $1,000</p> <section class="card-description"> <table> <tbody> <tr> <th>Term length</th> <th>APY</th> </tr> <tr> <td>1-year certificate</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"4.25"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">4.25</span>%</td> </tr> <tr> <td>3-year certificate</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"3.65"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">3.65</span>%</td> </tr> <tr> <td>5-year certificate</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"3.65"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">3.65</span>%</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Alliant_Bank_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Alliant_Bank_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Alliant_Bank_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Alliant_Bank_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Alliant_Bank_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Alliant_Bank_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Alliant_Bank_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Alliant_Bank_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Alliant_Bank_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://secure.money.com/pr/le0b54109b1f?s1=3390968" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://secure.money.com/pr/le0b54109b1f?s1=3390968" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Alliant</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <!-- --> <input id="control0-d678e936-1121-4505-abc0-b5782e173349" role="tab" name="accordion-pannel-d678e936-1121-4505-abc0-b5782e173349" type="radio" aria-controls="content0-d678e936-1121-4505-abc0-b5782e173349" checked=""/> <label tabindex="0" role="button" for="control0-d678e936-1121-4505-abc0-b5782e173349">Eligibility</label> <div id="content0-d678e936-1121-4505-abc0-b5782e173349" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-d678e936-1121-4505-abc0-b5782e173349"> Interested customers must join Alliant Credit Union as a member, which requires a $5 minimum balance in a savings account and qualifying membership activity. Customers can join Alliant Credit Union in several ways: <li>Employment with a partner organization</li> <li>Relationship with a current member</li> <li>Residence or employment near corporate headquarters in Chicago</li> <li>Becoming an Alliant Credit Union Foundation digital inclusion advocate (most popular method for nonlocal members)</li> <br/> Non-U.S. citizens may also join Alliant Credit Union if they have a Social Security number or unexpried individual taxpayer identification number (ITIN). </div> <!-- --> <input id="control1-d678e936-1121-4505-abc0-b5782e173349" role="tab" name="accordion-pannel-d678e936-1121-4505-abc0-b5782e173349" type="radio" aria-controls="content1-d678e936-1121-4505-abc0-b5782e173349"/> <label id="label1-d678e936-1121-4505-abc0-b5782e173349" tabindex="0" role="button" for="control1-d678e936-1121-4505-abc0-b5782e173349">Early withdrawal penalties</label> <div id="content1-d678e936-1121-4505-abc0-b5782e173349" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-d678e936-1121-4505-abc0-b5782e173349"> While Alliant Credit Union does allow members to make withdrawals on interest before the term ends, it does not allow withdrawals of the principal amount. If a member wishes to withdraw the principal before the end of the term or close the certificate, a penalty fee will be assessed. Exact amounts of these penalties are not specified in the account disclosures. </div> <a href="https://secure.money.com/pr/le0b54109b1f?s1=3390968" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://secure.money.com/pr/le0b54109b1f?s1=3390968" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Alliant</p> </section></div> </div> <h4 class="wp-block-heading"><strong>Why we picked it</strong></h4> <p>Alliant made our list because of its solid APYs and variety of customer support options. It offers one of the best one-year CD rates on our list, coming in at 4.30%. While credit unions often have strict requirements that make membership a challenge, this one makes the process as simple as submitting an application that isn’t much more complex than the standard account opening process at a traditional bank.</p> <p>If you choose Alliant as your financial home, it’s a digital credit union that doesn’t provide access to physical branch locations. Thankfully, it’s also a member of a vast surcharge-free ATM network with over 80,000 ATMs across the country. The mobile app makes it easy to keep tabs on your finances from anywhere, and both the app and the institution’s physical debit and credit cards feature top-notch security enhancements. </p> <p>In the habit of popping into your local branch to ask questions? Don’t worry—you can contact a representative anytime, 24/7, via email, chat, or phone. This level of access to customer support is a huge boon to many customers, making it easy to report a lost card, submit a travel notification, or get clarity on any questions you may have.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Alliant Credit Union CD rates</h4></summary><p>Alliant Credit Union offers a solid range of CD terms that provide flexibility for customers who may want to build a CD ladder or want to explore their options.</p> <p>Rates below are updated weekly, and end value calculations assume a $1,000 minimum deposit (as required by the institution).</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="Table" id="datawrapper-chart-dTXFC" frameBorder="0" height="485" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/dTXFC/12/" style="border:none" title="Alliant Credit Union CD rates" width="100%"></iframe></div></figure></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Alliant Credit Union</h4></summary><p>CDs aren’t the only banking product where Alliant Credit Union offers stellar rates. The institution also provides free checking and savings accounts for personal use, and the rates far exceed those of many competitors.</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking accounts</td><td>0.25% APY<br/>No monthly service fee<br/>No overdraft fees<br/>No minimum balance requirement</td></tr><tr><td>Savings accounts</td><td>3.10% APY<br/>No monthly fee with eStatements<br/>$100 minimum balance</td></tr><tr><td>Credit cards</td><td>Visa-branded<br/><a href="https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/">Cash back</a> and <a href="https://fortune.com/recommends/credit-cards/best-balance-transfer-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/best-balance-transfer-credit-cards/">balance transfer</a> options available<br/>No annual fees<br/>Compatible with Google Pay, Apple Pay, and Samsung Pay</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more:</strong> read our <a href="https://fortune.com/recommends/banking/alliant-credit-union-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/alliant-credit-union-review/">Alliant Credit Union review</a></p> <h2 class="wp-block-heading" id="capone">Capital One 360 12-month CD: 4.10% APY</h2> <p>Capital One is one of the largest banks in the country, headquartered in Virginia with a strong online presence as well as some physical branches across the country. Its online banking division is known as Capital One 360 and offers a host of products, such as checking accounts, CDs, and high-yield savings accounts.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="capone" class="card-title">Capital One 360</h3> <p class="card-subtitle"><strong>Minimum opening deposit:</strong> <span data-sheets-root="1" data-sheets-value="{"1":2,"2":"$0"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">$0</span></p> <section class="card-description"> <table> <tbody> <tr> <th>Term length</th> <th>APY</th> </tr> <tr> <td>1-year CD</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"4.10"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">4.10%</span></td> </tr> <tr> <td>3-year CD</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"3.60"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">3.60%</span></td> </tr> <tr> <td>5-year CD</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"3.50"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">3.50%</span></td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://oc.brcclx.com/t?lid=26723557&tid=3390968" target="blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723557&tid=3390968" rel="nofollow noopener noreferrer" aria-disabled="true">View offer</a> <p class="cta-caption">at Bankrate</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <input id="control0-5bd82a80-1204-4e7f-ba8f-971913eb076a" role="tab" name="accordion-pannel-5bd82a80-1204-4e7f-ba8f-971913eb076a" type="radio" aria-controls="content0-5bd82a80-1204-4e7f-ba8f-971913eb076a" checked=""/> <label tabindex="0" role="button" for="control0-5bd82a80-1204-4e7f-ba8f-971913eb076a">Eligibility</label> <div id="content0-5bd82a80-1204-4e7f-ba8f-971913eb076a" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-5bd82a80-1204-4e7f-ba8f-971913eb076a"> With a $0 opening deposit, Capital One 360 can be opened online—the website states the application process takes about five minutes—or at one of the bank’s 280-plus locations around the country. </div> <!-- --> <input id="control1-5bd82a80-1204-4e7f-ba8f-971913eb076a" role="tab" name="accordion-pannel-5bd82a80-1204-4e7f-ba8f-971913eb076a" type="radio" aria-controls="content1-5bd82a80-1204-4e7f-ba8f-971913eb076a"/> <label id="label1-5bd82a80-1204-4e7f-ba8f-971913eb076a" tabindex="0" role="button" for="control1-5bd82a80-1204-4e7f-ba8f-971913eb076a">Early withdrawal penalties</label> <div id="content1-5bd82a80-1204-4e7f-ba8f-971913eb076a" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-5bd82a80-1204-4e7f-ba8f-971913eb076a"> <li>For a CD with a 12-month or shorter term, the penalty is three months of interest, regardless of when you redeem the account prior to maturity.</li> <li>For a CD with a term greater than 12 months, the penalty is six months of interest regardless of when you redeem the account prior to maturity.</li> <br/>Depending on how early you redeem your CD, the penalty for early redemption may be greater than the interest you have earned on your account. </div> <a href="https://oc.brcclx.com/t?lid=26723557&tid=3390968" target="blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723557&tid=3390968" rel="nofollow noopener noreferrer" aria-disabled="true">View offer</a> <p class="cta-caption">at Bankrate</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Whether you’re looking for a place to park your money for a few months or years, Capital One has you covered. The bank offers CDs with durations ranging from 6–60 months, and there’s no minimum opening deposit. Plus, if you really need your cash before the CD’s term is up, there’s a modest early withdrawal penalty of three months’ interest on term lengths less than a year and six months’ interest on term lengths over a year.</p> <p>If you’re comfortable banking online and want all your accounts in one place, Capital One 360 could be a decent option. Compared to other large financial institutions, its rates are quite competitive with other online-only banks. The app is generally well-rated, and live support is available seven days a week from 8 a.m. to 11 p.m. Eastern time.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Capital One 360 CD rates</h4></summary><p>Capital One 360 is one of few institutions that requires no minimum deposit to open and maintain a CD. We’ve calculated how much you could earn if you put $500 into its CDs at each term length.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-Ix7do" frameBorder="0" height="613" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/Ix7do/4/" style="border:none" title="Capital One CD rates" width="100%"></iframe></div></figure></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Capital One 360</h4></summary><p>Capital One is best known for its credit cards but, in addition to its CD offerings, it also provides checking and savings accounts.</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking accounts</td><td>No minimum to open or maintain the account<br/>No monthly fees<br/>No overdraft fees</td></tr><tr><td>Savings accounts</td><td>3.90% APY<br/>$0 minimum deposit to open<br/>No monthly fees</td></tr><tr><td>Credit cards</td><td>From credit building, cash back rewards, travel rewards, and business cards, Capital One likely has a card to suit your needs.</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more:</strong> read our <a href="https://fortune.com/recommends/banking/capital-one-360-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/capital-one-360-review/">Capital One 360 review</a></p> <h2 class="wp-block-heading" id="synchrony">Synchrony Bank 9-month CD: 4.05% APY</h2> <p>Synchrony, once a part of General Electric Company, is now an independent bank offering a host of products like savings accounts, credit cards, and more.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="synchrony" class="card-title">Synchrony</h4> <p class="card-subtitle"><strong>Minimum opening deposit:</strong> $0</p> <section class="card-description"> <table> <tbody> <tr> <th>Term length</th> <th>APY</th> </tr> <tr> <td>1-year CD</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"4.10"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">4.10</span>%</td> </tr> <tr> <td>3-year CD</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"3.75"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">3.75</span>%</td> </tr> <tr> <td>5-year CD</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"4.00"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">4.00</span>%</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Synchrony_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Synchrony_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Synchrony_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Synchrony_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Synchrony_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Synchrony_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Synchrony_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Synchrony_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Synchrony_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://oc.brcclx.com/t?lid=26723548&tid=3390968" target="blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723548&tid=3390968" rel="nofollow noopener noreferrer" aria-disabled="true">View offer at Bankrate </a></div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <input id="control0-3a24928a-2ab5-487d-b0a4-33b169623be6" role="tab" name="accordion-pannel-3a24928a-2ab5-487d-b0a4-33b169623be6" type="radio" aria-controls="content0-3a24928a-2ab5-487d-b0a4-33b169623be6" checked=""/> <label tabindex="0" role="button" for="control0-3a24928a-2ab5-487d-b0a4-33b169623be6">Eligibility</label> <div id="content0-3a24928a-2ab5-487d-b0a4-33b169623be6" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-3a24928a-2ab5-487d-b0a4-33b169623be6"> The regular CDs, bump-up CD, and no-penalty CD can all be opened online. </div> <!-- --> <input id="control1-3a24928a-2ab5-487d-b0a4-33b169623be6" role="tab" name="accordion-pannel-3a24928a-2ab5-487d-b0a4-33b169623be6" type="radio" aria-controls="content1-3a24928a-2ab5-487d-b0a4-33b169623be6"/> <label id="label1-3a24928a-2ab5-487d-b0a4-33b169623be6" tabindex="0" role="button" for="control1-3a24928a-2ab5-487d-b0a4-33b169623be6">Early withdrawal penalty</label> Terms of 12 months or less: 90 days of simple interest at the current rate Terms of more than 12 months but less than 48 months: 180 days of simple interest at the current rate Terms of 48 months or more: 365 days of simple interest at the current rate <div id="content1-3a24928a-2ab5-487d-b0a4-33b169623be6" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-3a24928a-2ab5-487d-b0a4-33b169623be6"> </div> <a href="https://oc.brcclx.com/t?lid=26723548&tid=3390968" target="blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723548&tid=3390968" rel="nofollow noopener noreferrer" aria-disabled="true">View offer at Bankrate </a> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Regardless of what type of CD you’re looking for, Synchrony Bank has you covered—you’ll have a choice between traditional CDs, a bump-up CD, and a no-penalty CD. To get the most bang for your buck, opt for the 6-month CD, which offers a 3.90% APY. </p> <p>With no minimum deposit requirement, Synchrony could be a good choice for a saver with any amount to put away. Even its longer terms of four and five years have decent APYs at 4.00%, which could make it a nice option for those wanting to build out a <a href="https://fortune.com/recommends/banking/what-is-a-cd-ladder/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-a-cd-ladder/">CD ladder</a>.</p> <p>While it doesn’t currently offer a checking account, Synchrony’s other deposit products also have decent APYs, so if you’re looking to open multiple new accounts, Synchrony could be worth checking out.</p> <p>To get in touch with customer service, you can do so via phone call, live chat, or email.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Synchrony Bank CD rates</h4></summary><figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-Ej13p" frameBorder="0" height="613" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/Ej13p/7/" style="border:none" title="Synchrony Bank CD rates" width="100%"></iframe></div></figure></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Synchrony Bank</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>High-yield savings account</td><td>4.65% APY<br/>No minimum balance requirement<br/>ATM access available</td></tr><tr><td>Money market accounts</td><td>2.25% APY<br/>No minimum balance requirement<br/>Optional ATM card available</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more:</strong> Read our <a href="https://fortune.com/recommends/banking/synchrony-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/synchrony-bank-review/">Synchrony Bank review</a></p> <h2 class="wp-block-heading" id="first-national">First National Bank of America 12-month CD: 4.26</h2> <p>Founded in 1955, First National Bank of America (FNBA) offers a handful of banking products, such as checking and savings accounts, CDs, and mortgages. While FNBA only has a few physical branches in the state of Michigan, its online banking is available nationwide.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="marcus" class="card-title">First National Bank of America (FNBA)</h3> <p class="card-subtitle"><strong>Minimum opening deposit:</strong> $1,000</p> <section class="card-description"> <table> <tbody> <tr> <th>Term length</th> <th>APY</th> </tr> <tr> <td>1-year CD</td> <td>4.26%</td> </tr> <tr> <td>3-year CD</td> <td>3.90%</td> </tr> <tr> <td>5-year CD</td> <td>3.83%</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_National_Bank_Of_America_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_National_Bank_Of_America_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_National_Bank_Of_America_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_National_Bank_Of_America_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_National_Bank_Of_America_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_National_Bank_Of_America_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_National_Bank_Of_America_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_National_Bank_Of_America_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_National_Bank_Of_America_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings&tag.sub_id=3390968" target="blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings&tag.sub_id=3390968" rel="nofollow noopener noreferrer" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <input id="control0-dbb961c4-b817-45b5-a2a5-7ca151c1267b" role="tab" name="accordion-pannel-dbb961c4-b817-45b5-a2a5-7ca151c1267b" type="radio" aria-controls="content0-dbb961c4-b817-45b5-a2a5-7ca151c1267b" checked=""/> <label tabindex="0" role="button" for="control0-dbb961c4-b817-45b5-a2a5-7ca151c1267b">Eligibility</label> <div id="content0-dbb961c4-b817-45b5-a2a5-7ca151c1267b" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-dbb961c4-b817-45b5-a2a5-7ca151c1267b"> Personal CDs may be opened online, and customers must provide basic personal information to open the account. A minimum opening deposit of $1,000 is required. </div> <!-- --> <input id="control1-dbb961c4-b817-45b5-a2a5-7ca151c1267b" role="tab" name="accordion-pannel-dbb961c4-b817-45b5-a2a5-7ca151c1267b" type="radio" aria-controls="content1-dbb961c4-b817-45b5-a2a5-7ca151c1267b"/> <label id="label1-dbb961c4-b817-45b5-a2a5-7ca151c1267b" tabindex="0" role="button" for="control1-dbb961c4-b817-45b5-a2a5-7ca151c1267b">Early withdrawal penalties</label> <div id="content1-dbb961c4-b817-45b5-a2a5-7ca151c1267b" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-dbb961c4-b817-45b5-a2a5-7ca151c1267b"> <ul> <li><b>1–11 months:</b><span style="font-weight:400"> 90 days of interest</span></li> <li><b>12–23 months:</b><span style="font-weight:400"> 180 days of interest</span></li> <li><b>24–47 months: </b><span style="font-weight:400">360 days of interest</span></li> <li><b>48–59 months:</b><span style="font-weight:400"> 540 days of interest</span></li> <li><b>60–84 months: </b><span style="font-weight:400">540 days of interest</span></li> <li style="list-style-type:none"></li> </ul> </div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings&tag.sub_id=3390968" target="blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings&tag.sub_id=3390968" rel="nofollow noopener noreferrer" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Though FNBA’s minimum opening deposit requirement of $1,000 may be steep for some, you’ll get a generous APY in return: Most of their CDs have APYs that top 4.10%. Customers can also opt for a partial withdrawal of their funds—though you could get hit by an early withdrawal penalty for doing so. Interest compounds quarterly, and you will receive a maturity notice by mail 30 days prior to your CD’s maturity date. </p> <p>If you take no action, your entire CD will roll over into a new account of the same term length at the current rate for that term. Otherwise, you have the option to use all or some of the money to fund a new CD or withdraw your funds. There is a 10-day grace period to take action after your CD matures.</p> <p>FNBA’s customer service is available via phone or online request. </p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>First National CD rates</h4></summary><figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-jM8Ta" frameBorder="0" height="615" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/jM8Ta/4/" style="border:none" title="First National Bank of America (FNBA) CD rates" width="100%"></iframe></div></figure></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from FNBA</h4></summary><p>FNBA also offers personal checking, savings, and IRAs, as well as business accounts.</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking accounts</td><td>$100 minimum to open<br/>Online accounts available<br/>Interest-bearing HomeTowne Checking is available to those near a physical branch</td></tr><tr><td>Savings accounts</td><td>Basic account requires a $100 minimum top open and $199 average daily balance to avoid fees<br/>High-yield savings requires a $1,000 minimum opening deposit and $1,000 balance to avoid monthly fees</td></tr><tr><td>IRAs</td><td>Both traditional and Roth IRAs available</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/first-national-bank-of-america-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/first-national-bank-of-america-review/">FNBA review</a></p> <h2 class="wp-block-heading" id="ally">Ally Bank 12-month CD: 4.10% APY</h2> <p>Ally Bank is an online-only bank offering savings accounts, a <a href="https://fortune.com/recommends/investing/best-robo-advisors/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/investing/best-robo-advisors/">robo-advisor</a> service, checking, savings, mortgage, <a href="https://fortune.com/recommends/loans/best-personal-loans/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/best-personal-loans/">personal loans</a>, auto lending products, and more. Its CD terms range from three months to five years.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="ally" class="card-title"><a href="https://oc.brcclx.com/t?lid=26723544&tid=desktop-3390968-1_amcid-BzpFVFZsgr2VJFAEl7gx7" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723544&tid=desktop-3390968-1_amcid-BzpFVFZsgr2VJFAEl7gx7" rel="nofollow noopener noreferrer" aria-disabled="true">Ally Bank</a></h4> <p class="card-subtitle"><strong>Minimum opening deposit:</strong> $0</p> <section class="card-description"> <table> <tbody> <tr> <th>Term length</th> <th>APY</th> </tr> <tr> <td>1-year CD</td> <td>4.10</td> </tr> <tr> <td>3-year CD</td> <td>3.50</td> </tr> <tr> <td>5-year CD</td> <td>3.50</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="100" height="100" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 100 100'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Ally-Bank-Logo.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Ally-Bank-Logo.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Ally-Bank-Logo.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Ally-Bank-Logo.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Ally-Bank-Logo.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Ally-Bank-Logo.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Ally-Bank-Logo.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Ally-Bank-Logo.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Ally-Bank-Logo.jpg?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://oc.brcclx.com/t?lid=26723544&tid=3390968" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723544&tid=3390968" rel="noopener" aria-disabled="true">View offer</a> <p class="cta-caption">at Bankrate</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <input id="control0-b6a5c4f8-8c40-4ef2-9dd1-840d8972fe85" role="tab" name="accordion-pannel-b6a5c4f8-8c40-4ef2-9dd1-840d8972fe85" type="radio" aria-controls="content0-b6a5c4f8-8c40-4ef2-9dd1-840d8972fe85" checked=""/> <label tabindex="0" role="button" for="control0-b6a5c4f8-8c40-4ef2-9dd1-840d8972fe85"><label tabindex="0" role="button" for="control0-[ID]">Eligibility</label></label> <div id="content0-b6a5c4f8-8c40-4ef2-9dd1-840d8972fe85" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-b6a5c4f8-8c40-4ef2-9dd1-840d8972fe85"> Ally Bank doesn’t have any physical branches, so all accounts must be opened online. Creating a profile takes a few minutes and opening a CD account does not require a specific minimum deposit amount. </div> <!-- --> <input id="control1-b6a5c4f8-8c40-4ef2-9dd1-840d8972fe85" role="tab" name="accordion-pannel-b6a5c4f8-8c40-4ef2-9dd1-840d8972fe85" type="radio" aria-controls="content1-b6a5c4f8-8c40-4ef2-9dd1-840d8972fe85"/> <label id="label1-b6a5c4f8-8c40-4ef2-9dd1-840d8972fe85" tabindex="0" role="button" for="control1-b6a5c4f8-8c40-4ef2-9dd1-840d8972fe85">Early withdrawal penalties</label> <div id="content1-b6a5c4f8-8c40-4ef2-9dd1-840d8972fe85" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-b6a5c4f8-8c40-4ef2-9dd1-840d8972fe85"> Ally Bank does not allow partial withdrawals, so if you must tap into your CD before its maturity date you will receive your entire initial deposit and any interest gained, minus applicable early withdrawal penalties. These penalties vary depending on your CD’s term length: <li><strong>Up to 2 years:</strong> 60 days of interest</li> <li><strong>2-3 years:</strong> 90 days of interest</li> <li><strong>3-4 years:</strong> 120 days of interest</li> <li><strong>4-plus years:</strong> 150 days of interest</li> </div> <a href="https://oc.brcclx.com/t?lid=26723544&tid=3390968" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723544&tid=3390968" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Bankrate</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Ally’s CD offerings give savers a wide range of term options. With an $0 minimum opening deposit, you can decide how much you’re ready to save. If you tap your money early, you also don’t have to worry about significant withdrawal penalties. They’ll still apply but are much lower than many competitors.</p> <p>Ally Bank is a fully online institution with no physical branches, which means your funds are always easily accessible on the mobile app. You can access your cash for free at one of over 43,000 Allpoint ATMs around the country or receive a reimbursement of up to $10 per statement cycle if you must use an ATM from a different network. Ally also offers customers 24/7 phone, chat, and email support so you can get help anytime you need it.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Ally Bank CD rates</h4></summary><p>While Ally Bank doesn’t have a required minimum deposit, you’ll need to supply a reasonable amount of funding to see a decent return on investment. Rates below are updated weekly, and end value calculations assume a $1,000 minimum deposit.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-9TJOc" frameBorder="0" height="599" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/9TJOc/5/" style="border:none" title="Ally Bank Standard CD rates" width="100%"></iframe></div></figure></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Ally Bank</h4></summary><p>Ally Bank prides itself on offering a multitude of products, most of which have no monthly fees or minimum deposit requirements. Customers can do most or all of their banking in one place, with products ranging from everyday checking and savings accounts to long-term retirement planning and event mortgages.</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking accounts</td><td>0.25% APY<br/>No monthly fees or overdraft fees<br/>Get paid up to two days early with direct deposit</td></tr><tr><td>Savings accounts</td><td>3.85% APY<br/>No minimum deposit to open<br/>No monthly fees</td></tr><tr><td>MMAs</td><td>3.85% APY<br/>$0 minimum opening deposit<br/>No monthly fees or overdraft fees<br/>Interest compounds daily</td></tr><tr><td>Other</td><td>Cash back credit cards<br/>Automated and self-directed investing<br/>Mortgages<br/>Auto loans</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more:</strong> Read our<a href="https://fortune.com/recommends/article/ally-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/article/ally-bank-review/"> Ally Bank review</a></p> <h2 class="wp-block-heading" id="popular">Popular Direct 3-month CD: 4.60% APY</h2> <p>Popular Direct is the online banking of Popular Bank, the New York-based banking subsidiary of Popular, Inc. Popular, Inc. is a publicly traded, full-service bank and is one of the 50 largest U.S. banks in terms of assets.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="popular-direct" class="card-title">Popular Direct</h3> <p class="card-subtitle"><strong>Minimum opening deposit:</strong> $10,000</p> <section class="card-description"> <table> <tbody> <tr> <th>Term length</th> <th>APY</th> </tr> <tr> <td>3-month CD</td> <td>4.60%</td> </tr> <tr> <td>6-month CD</td> <td>4.45%</td> </tr> <tr> <td>18-month CD</td> <td>4.10%</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Popular_Direct_logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Popular_Direct_logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Popular_Direct_logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Popular_Direct_logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Popular_Direct_logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Popular_Direct_logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Popular_Direct_logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Popular_Direct_logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Popular_Direct_logo.png?w=1440&q=75"/></div> <div class="card-area-3"></div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <input id="control0-5538f0d9-f2ad-47ed-be09-99c2c51d84dd" role="tab" name="accordion-pannel-5538f0d9-f2ad-47ed-be09-99c2c51d84dd" type="radio" aria-controls="content0-5538f0d9-f2ad-47ed-be09-99c2c51d84dd" checked=""/> <label tabindex="0" role="button" for="control0-5538f0d9-f2ad-47ed-be09-99c2c51d84dd">Eligibility</label> <div id="content0-5538f0d9-f2ad-47ed-be09-99c2c51d84dd" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-5538f0d9-f2ad-47ed-be09-99c2c51d84dd">Popular Direct has a higher minimum deposit rate of $10,000.</div> <!-- --> <input id="control1-5538f0d9-f2ad-47ed-be09-99c2c51d84dd" role="tab" name="accordion-pannel-5538f0d9-f2ad-47ed-be09-99c2c51d84dd" type="radio" aria-controls="content1-5538f0d9-f2ad-47ed-be09-99c2c51d84dd"/> <label id="label1-5538f0d9-f2ad-47ed-be09-99c2c51d84dd" tabindex="0" role="button" for="control1-5538f0d9-f2ad-47ed-be09-99c2c51d84dd">Early withdrawal penalties</label> <div id="content1-5538f0d9-f2ad-47ed-be09-99c2c51d84dd" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-5538f0d9-f2ad-47ed-be09-99c2c51d84dd">Terms less than 91 days: 89 days simple interest. Terms equal to or greater than 91 days but less than 12 months: 120 days simple interest. Terms equal to or greater than 12 months but less than 36 months: 270 days simple interest. Terms equal to or greater than 36 months but less than 60 months: 365 days simple interest. Terms equal to or greater than 60 months: 730 days simple interest.</div> <a href="https://oc.brcclx.com/t?lid=26723555&tid=3390968" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26723555&tid=3390968" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Bankrate</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>While it has a higher minimum deposit requirement of $10,000, all of Popular Direct’s CDs offer generous APYs. While its highest APY of 4.60% is on its 3-month CD, its 12- and 18-month CDs offer 4.25% and 4.10%, respectively. So whether you’re looking for a short-term or a longer-term place to store your money, Popular Direct could be a decent option as long as you have the starting capital. </p> <p>Plus, Popular Direct offers comprehensive customer support. It can be reached by phone from 7:30 a.m. to 12:00 a.m. Monday through Friday, and Saturday and Sunday from 9:00 a.m. to 6:00 p.m. EST. It also has a very thorough self-help section on its website.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Popular Direct CD rates</h4></summary><figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="table" id="datawrapper-chart-72J7X" frameBorder="0" height="571" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/72J7X/3/" style="border:none" title="Popular Direct CD Rates" width="100%"></iframe></div></figure></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Other products offered by Popular Direct</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td><br/>High-yield savings account</td><td>4.6% APY<br/>Minimum deposit of $100<br/>$100 required to earn APY<br/>No monthly fee</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/popular-direct-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/popular-direct-review/">Popular Direct review</a></p> <hr class="sc-fa0656e5-0 gIAhfJ"/> <h2 class="wp-block-heading">CD rates from popular banks</h2> <p>If you don’t recognize many of the names listed above, don’t be alarmed—there’s a simple explanation. CDs are a type of deposit account that, on their own, don’t provide a large source of income for major financial institutions. Well-known names, such as Chase, PNC, and US Bank, don’t rely on CDs to grow their customer base and, therefore, they don’t offer large incentives to sign up for them. In many cases, they’d rather procure customers who use more profitable products, such as loans and credit cards. </p> <p>Therefore, CD rates at these banks are often far lower than what you can find with a small regional bank or online institution. Take a look at these 12-month CDs:</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>American Express</td><td>3.85%</td></tr><tr><td>Alliant Credit Union</td><td>4.25%</td></tr><tr><td>Capital One</td><td>4.10%</td></tr><tr><td>First Internet Bank</td><td>4.42%</td></tr><tr><td>Chase</td><td>0.01%</td></tr><tr><td>Everbank</td><td>4.00%</td></tr><tr><td>Discover</td><td>4.10%</td></tr><tr><td>Marcus by Goldman Sachs</td><td>4.10%</td></tr><tr><td>Ally Bank</td><td>4.10%</td></tr><tr><td>Evergreen Bank</td><td>-%</td></tr><tr><td>PNC Bank</td><td>0.02%</td></tr><tr><td>Merrick Bank</td><td>4.30%</td></tr><tr><td>Bank of America</td><td>0.03%</td></tr><tr><td>Barclays</td><td>4.25%</td></tr></tbody></table></figure></div></div> <p>While all banking institutions factor <a href="#current-news" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #current-news">Fed</a> decisions into their rate structures, it’s not the only criterion. Banks also evaluate their target market, consider the economic outlook of that market, and create product offerings accordingly. You certainly can pick up a CD at most major banks in the U.S. but, in many cases, the only reason to do so would be if your priority is keeping all of your banking in one spot. With a bit of research, you can often score higher rates as long as you’re not opposed to holding accounts at multiple institutions.</p> <h2 class="wp-block-heading">Can you get a CD rate over 5%?</h2> <p>It is currently possible to find a certificate of deposit (CD) rate over 5%. Interest rates generally fluctuate depending on changes in the <a href="https://fortune.com/recommends/banking/what-is-the-federal-funds-rate/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-the-federal-funds-rate/">federal funds rate</a>. Over the past several months, rates have remained high as the Federal Reserve has kept the interest rate between 5.25%–5.5%. Banks are willing to offer higher CD rates when the federal rate is high because CDs are an ideal deposit product that are not easily the way that checking and savings accounts are. </p> <p>CD rates tend to fall when the Fed lowers its target interest rate, which it has hinted at doing before the end of the year. If you want to lock in a CD rate above 5%, now could be an excellent time to pull the trigger. </p> <p>It's important to note that while there are a few exceptions, most CD rates over 5% are tied to a 12-month, 18-month, or two-year term (and the ones with shorter term lengths require high initial deposits). This means that if you withdraw your funds before the term is up, you may incur early withdrawal penalties that forfeit a large portion of the accrued interest. Before you commit to a CD, make sure you can live without access to those funds for the designated time period.</p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>"Most CDs typically auto-renew at whatever the current rate is, which might be something you don't want. Your bank should send you a reminder but, just in case, I set up alerts on my calendar right before CD maturity to remind myself to close or renew the account." — <em><a href="https://fortune.com/author/kristy-snyder/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/author/kristy-snyder/" data-type="link" data-id="https://fortune.com/author/kristy-snyder/">Kristy Snyder</a>, personal finance expert and Fortune contributor</em></p></div></div> <h2 class="wp-block-heading" id="complete-guide">Complete guide to CDs</h2> <p>There are several terms and strategies you should familiarize yourself with in order to develop a CD strategy that works well for you. Here are some of the basics:</p> <h3 class="wp-block-heading">What is a certificate of deposit?</h3> <p>With CDs, or <a href="https://fortune.com/recommends/banking/what-is-a-certificate-of-deposit/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-a-certificate-of-deposit/">certificates of deposit</a>, customers receive a fixed interest rate in exchange for tying up their money for a fixed period. Interest is typically paid on a regular basis, either daily, monthly, or quarterly.</p> <p>After a CD reaches maturity—or the end of its term—you can withdraw the money you deposited initially, plus any earned interest. If you tap your money before the CD’s term is up, most CDs charge an <a href="https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/">early withdrawal penalty</a>, which is usually worth a few days or months of interest.</p> <p>Typically, upon maturity, your CD is automatically renewed automatically. If you don’t want to roll over your money into a new CD, you’ll usually be given a grace period during which you can choose to withdraw your funds.</p> <h3 class="wp-block-heading">What is considered a good CD rate?</h3> <p>A "good" CD rate can be somewhat subjective. That's because you need to strike a balance between the best rate available and the longest amount of time you can afford to keep your money tied up. For example, if you find a CD offering 5% APY, but it requires you to keep your money on deposit for five years, the interest rate may not be worth it. You might need your money sooner or rates could go higher while you're stuck earning a lower return.</p> <p>Generally, a CD rate that's above the national average is a solid choice. Before <a href="https://fortune.com/recommends/banking/are-cds-worth-it-right-now/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/are-cds-worth-it-right-now/">deciding if a CD is worth it</a>, compare accounts from multiple banks and see which one offers the highest rate for the term length you want.</p> <h3 class="wp-block-heading">How are CD rates determined?</h3> <p>CD rates are set by your individual bank or financial institution. Although, there are several factors that can influence these rates. This includes the length of your CD term (longer-term CDs usually offer higher rates than shorter-term ones) and type of CD, the amount of your initial deposit (some CDs offer tiered interest rates), benchmark interest rates set by the Federal Reserve, and temporary promotional offers offered by your financial institution. </p> <h3 class="wp-block-heading">What is the APY on a CD?</h3> <p>APY stands for "annual percentage yield." It's a way to calculate the total amount of interest that you can earn on an investment such as a CD in one year, taking into account the effect of compounding interest.</p> <p>The APY of a CD will depend on the interest rate offered by the bank or financial institution, the frequency of compounding (daily, monthly, annually, and so on), and the length of the term of the CD.</p> <h3 class="wp-block-heading" id="cd-ladder">What are CD ladders and how do they work?</h3> <p>For savers who are on the fence about locking away their funds in a CD for an extended amount of time, you’re not alone. While some CDs offer terms that are just a few months long, other CDs take years to mature—usually, you earn a higher rate with these CDs, but you’ll have to part with your money for longer. </p> <p>One way to score the benefits of both short and long-term CDs is to set up a <a href="https://fortune.com/recommends/banking/what-is-a-cd-ladder/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-a-cd-ladder/">CD ladder</a>. This is a<a href="https://fortune.com/recommends/banking/how-to-save-money/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/how-to-save-money/"> savings strategy</a> where you split your savings between several CDs of varying maturities. </p> <p>Here’s how a CD ladder works: If you want to invest $3,000, you would invest $1,000 each in three CDs of staggering maturities—let’s say <a href="https://fortune.com/recommends/banking/best-1-year-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-1-year-cd-rates/">one-year</a>, two-year, and three-year. When each CD matures, you reinvest that money in a 3-year CD. That way you have access to cash every year. </p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>"If you want to earn interest on your cash but also need to maintain liquidity for emergencies or opportunities, consider creating a CD ladder. Once established, this rolling savings vehicle allows you to earn competitive interest on your cash while also keeping a portion of your savings accessible at regular intervals." — <em><a href="https://fortune.com/author/stephanie-colestock/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/author/stephanie-colestock/">Stephanie Colestock</a>, Fortune contributor</em></p></div></div> <h3 class="wp-block-heading">Do I have to pay taxes on CD interest?</h3> <p>If you opt for a CD as your primary savings vehicle, you should be aware that interest earned on the funds you deposit is considered <a href="https://fortune.com/recommends/investing/how-is-interest-income-taxed/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/investing/how-is-interest-income-taxed/">taxable interest</a> by the IRS. The interest you earn is subject to federal and state income tax. </p> <p>Your financial institution will typically send you a 1099-INT statement for any interest earned over $10, and the amount you owe will depend on how much interest you’ve earned and your tax bracket.</p> <p>If you withdraw funds from your CD early, you can also expect to see those penalties on your 1099-INT form. </p> <h3 class="wp-block-heading">Is a certificate of deposit considered a safe investment?</h3> <p><a href="https://fortune.com/recommends/banking/are-cds-safe/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/are-cds-safe/">Certificates of deposit are considered safe</a> investments so long as they are helped by FDIC- or NCUA-insured financial institutions which insure your deposits up to $250,000 per depositor, per bank, for each account ownership category or up to $250,000 per share owner, per insured credit union, for each account ownership category. </p> <h2 class="wp-block-heading">Types of CDs</h2> <p>There are various <a href="https://fortune.com/recommends/banking/which-cd-should-i-choose/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/which-cd-should-i-choose/">types of CDs</a> you can choose from depending on how much money you’d like to deposit into your CD, whether you’d prefer to have access to your money before maturity, and more. A few of the most common types of CDs include: </p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Brokered CDs</h4></summary><p>Brokered CDs are purchased and sold through a brokerage account rather than through a bank or credit union. </p> <p>These CDs are usually issued by banks and then sold to brokerages, which then offer them to customers at higher APYs than traditional CDs. </p> <p>You’ll also get greater flexibility with a brokered CD: Rather than pay an early withdrawal penalty, you can access your cash early by selling your brokered CD on a secondary market. However, in doing so you open yourself to interest rate risk. </p> <p>If you sell your brokered CD after interest rates have risen, your CD, with a lower rate, will be less valuable to investors, and you may lose money when you sell it.</p> <p>Some brokered CDs may have a call feature too.</p></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Callable CDs</h4></summary><p><a href="https://fortune.com/recommends/banking/what-is-a-callable-cd/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-a-callable-cd/">Callable CDs</a> have a call feature that allows the financial institution that issued them to terminate the CD before it reaches maturity. When this happens, the investor keeps the principal and any interest they accrued up to that point. </p> <p>Typically, a financial institution calls a CD when interest rates drop because it can offer lower interest rates on newly issued CDs. After your CD is called, you’ll have to reinvest your funds at a lower rate—this is known as reinvestment risk. Due to this risk, callable CDs usually offer higher APYs than CDs without a call feature.</p></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Bump-up CDs</h4></summary><p>With a bump-up CD, you can request an APY on your CD if interest rates rise after you've opened your account. Typically, you’ll be eligible to increase the rate on your CD once or twice during the term.</p></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>No-penalty CDs</h4></summary><p>This type of CD does not charge a penalty for withdrawing funds before your CD reaches maturity. This type of CD is less common than other CD types and may also offer lower APYs than traditional CDs.</p> <p><strong>Compare: </strong><a href="https://fortune.com/recommends/banking/no-penalty-cd-vs-savings-account/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/no-penalty-cd-vs-savings-account/">No-penalty CDs vs. savings accounts</a></p></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Jumbo CDs</h4></summary><p>Jumbo CDs typically require a minimum opening deposit of at least $100,000 but usually offer higher APYs than traditional CDs. </p></details> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>Variable-rate CDs</h4></summary><p>With a variable-rate CD, the APY fluctuates based on the interest rate. These CDs are riskier than traditional CDs because if interest rates drop before the CD reaches maturity, you can receive a lower interest rate.</p></details> <h2 class="wp-block-heading" id="how-to-choose">How to choose the best CD </h2> <p>Every CD is a little different, so you’ll want to pay close attention to the account features and fine print before deciding <a href="https://fortune.com/recommends/banking/traditional-savings-account/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/traditional-savings-account/">where to put your savings</a>. You’ll want to consider a few factors when <a href="https://fortune.com/recommends/banking/which-cd-should-i-choose/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/which-cd-should-i-choose/">choosing a CD</a>: </p> <ul><li><strong>Term length:</strong> Your CD’s term length tells you how long it takes to mature. CD term lengths can be as short as one week or as long as 10 years. Choose a term length that meets your needs and aligns with your financial goals. </li> <li><strong>APY: </strong>The annual percentage yield on your account significantly affects how much your money will grow. The higher the rate, the more you can expect to earn in interest. Typically, the best CD rates are applied to longer term lengths.</li> <li><strong>Minimum deposit:</strong> Most, but not all, banks and credit unions require that you invest a minimum amount of money to open a CD. The minimum opening deposit can range from a few dollars to thousands. Most CDs require depositing a lump sum and don’t allow additional contributions. Make sure you can meet the minimum opening deposit requirement. </li> <li><strong>Penalties:</strong> Not all CDs carry <a href="https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/">early withdrawal penalties</a>, but if yours does, you could lose out on your earned interest and some of your principal balance. You may not be able to plan for an early withdrawal, but it’s good to know the penalty if you need to touch your money early. </li> <li><strong>Deposit insurance:</strong> <a href="https://fortune.com/recommends/article/credit-union-vs-bank/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/article/credit-union-vs-bank/">FDIC and NCUA insurance</a> provides depositors with <a href="https://fortune.com/recommends/banking/what-is-fdic-insurance/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-fdic-insurance/">insurance coverage</a> if their bank or credit union fails—up to $250,000 per depositor or share owner. Double-check that your account is insured to protect your money if there’s a <a href="https://fortune.com/recommends/banking/what-happens-when-a-bank-fails/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-happens-when-a-bank-fails/">bank failure</a>. </li></ul> <h3 class="wp-block-heading">CD calculator: how to determine CD earnings potential</h3> <p>To <a href="https://fortune.com/recommends/banking/how-much-interest-youd-earn-by-investing-10000-in-a-1-year-cd/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/how-much-interest-youd-earn-by-investing-10000-in-a-1-year-cd/">calculate your earnings from a CD</a>, you’ll need to use the following formula: P(1+R/N)(NT) = A. Where “A” represents the value of your CD, including interest. "P" is equal to your principal balance or initial deposit. "R" represents your yearly interest rate―in this case, it would be your APY. "N" represents the compound frequency of your CD in a given year, and "T" represents the number of years until your CD’s maturity date. Let’s illustrate this with an example:</p> <ul><li>Initial deposit “P” = $500</li> <li>APY “R” = 5.15%</li> <li>Monthly compound frequency “N” = 12</li> <li>Number of years until maturity “T” = 1</li></ul> <p>Our equation would turn out like this:</p> <p>500 x ((1+(5.15/12)) x (12 x 1)) = <strong>$526.37</strong></p> <p>So, if you deposit $500 into a 12-month CD with an interest rate of 5.15% that compounds monthly, you could expect to withdraw about $526 at the end of the term.</p> <p>To calculate rates accurately, you may need to do a bit of extra math to determine your variables. For example, if the term length is under a year, you’ll need to determine what percentage of “1” to use for the variable “T.” A three-month term would be 0.25, a six-month term would be 0.5, and so forth. Here are more examples that calculate the end value of a CD with a $500 opening deposit and 5% APY:</p> <div class="wp-block-group comparison-table-group-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><figure class="wp-block-table comparison-table-widget"><table><thead><tr><th>Compounding method</th><th>Term length</th><th>Final value</th></tr></thead><tbody><tr><td></td><td></td><td></td></tr><tr><td>Monthly</td><td>6 months</td><td>$512.63</td></tr><tr><td></td><td></td><td></td></tr><tr><td>Daily</td><td>6 months</td><td>$512.66</td></tr><tr><td></td><td></td><td></td></tr><tr><td>Daily</td><td>12 months</td><td>$525.63</td></tr><tr><td></td><td></td><td></td></tr><tr><td>Monthly</td><td>12 months</td><td>$525.58</td></tr><tr><td></td><td></td><td></td></tr><tr><td>Monthly</td><td>18 months</td><td>$538.86</td></tr><tr><td></td><td></td><td></td></tr><tr><td>Annually</td><td>2 years</td><td>$551.25</td></tr><tr><td></td><td></td><td></td></tr></tbody></table></figure></div></div> <h2 class="wp-block-heading" id="pros-and-cons">Pros and cons of CDs</h2> <p>While CDs can be attractive for their high interest rates, they aren’t a perfect fit for everyone. Let’s review some of the <a href="https://fortune.com/recommends/investing/pros-and-cons-of-certificates-of-deposit/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/investing/pros-and-cons-of-certificates-of-deposit/">pros and cons</a>.</p> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>Higher APY than other savings vehicles</li><li>Fixed rates</li><li>Flexible term options</li></ul></div><div><h3>Cons</h3><ul><li>Returns not as high as investing in stocks or some other asset classes</li><li>APY is locked in and doesn’t account for inflation</li><li>CDs are illiquid, so you cannot easily access funds without penalties</li></ul></div></div> <h2 class="wp-block-heading" id="alternatives">Alternatives to CDs</h2> <p>CDs differ from other <a href="https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/">savings accounts</a> in a few key ways. This type of account not only functions differently, but it may be better suited for a certain type of consumer who is saving for a goal with a specific timeline. </p> <ul><li><strong>Access to your savings: </strong>CDs don’t offer the same level of access to your savings that a <a href="https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/">traditional savings account</a> or MMA would. Once you agree to your CD term, your money will sit, untouched, and accrue interest for the duration of your term until your CD hits maturity. Making a withdrawal early would result in an <a href="https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/">early withdrawal penalty</a>. </li> <li><strong>CDs usually offer higher APYs at a fixed rate: </strong>One of the major selling points for a CD account is that, typically, CDs offer a fixed APY at a higher rate than other types of savings vehicles. That means that you’ll be able to take advantage of a higher rate for an extended period of time, and you’ll have the peace of mind knowing that once you’ve locked in your rate, your APY won’t fluctuate during your term in response to external factors, such as federal funds rate increases.</li></ul> <h3 class="wp-block-heading">CDs vs. high-yield savings accounts</h3> <p><a href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-high-yield-savings-accounts/">High-yield savings accounts</a> work in the same way as traditional savings accounts. It’s a deposit account at a credit union or bank that you can use for saving and earning interest on your money—usually at a higher rate. This type of savings account differs from CDs in that they offer greater access to your funds, rather than requiring you to lock away your funds for a set amount of time. As such, there's no penalty for making withdrawals.</p> <p><strong>Learn more:</strong> Compare <a href="https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/">CDs vs. savings accounts</a></p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Pro tip</h3> <p>"CDs are some of my favorite savings tools, especially as someone who’s easily tempted to overspend. Being able to 'hide' my savings somewhere that I can’t touch allows me to meet my financial goals better and earn interest in the process." <em>— <a href="https://fortune.com/author/stephanie-colestock/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/author/stephanie-colestock/" data-type="link" data-id="https://fortune.com/author/stephanie-colestock/">Stephanie Colestock</a>, Certified Financial Education Instructor (CFEI)</em></p></div></div> <h3 class="wp-block-heading">CDs vs. money market accounts</h3> <p><a href="https://fortune.com/recommends/banking/the-best-money-market-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-money-market-accounts/">Money market accounts</a> function as a hybrid between savings accounts and checking accounts. Similar to CDs, these accounts typically offer much higher APYs than checking accounts, but may still offer some of the same features including check writing, debit card access, and the ability to make withdrawals and deposits via ATM. Like a CD, this type of account may also be of interest to savers who have the ability to make a larger opening deposit. </p> <p><strong>Learn more: </strong>Compare <a href="https://fortune.com/recommends/banking/cds-vs-money-market-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cds-vs-money-market-accounts/">CDs vs. money market accounts</a></p> <h2 class="wp-block-heading" id="rates-by-state">CD rates by state</h2> <p>While many banks are available nationwide, there are also hundreds of smaller institutions that may only serve customers in a more localized region. Here are the banks in each U.S. state with the highest CD rates.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="Table" id="datawrapper-chart-fPvAT" frameBorder="0" height="594" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/fPvAT/9/" style="border:none" title="Top CD rates by state" width="100%"></iframe></div></figure> <p><strong>View CD rates in:</strong></p> <ul><li><a href="https://fortune.com/recommends/banking/cd-rates-california/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cd-rates-california/" data-type="link" data-id="https://fortune.com/recommends/banking/cd-rates-california/">California</a></li> <li><a href="https://fortune.com/recommends/banking/cd-rates-florida/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cd-rates-florida/">Florida</a></li> <li><a href="https://fortune.com/recommends/banking/cd-rates-new-jersey/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cd-rates-new-jersey/">New Jersey</a></li> <li><a href="https://fortune.com/recommends/banking/cd-rates-new-york/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cd-rates-new-york/">New York</a></li> <li><a href="https://fortune.com/recommends/banking/cd-rates-texas/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cd-rates-texas/">Texas</a></li></ul> <h2 class="wp-block-heading" id="methodology">Our methodology</h2> <p>The Fortune Recommends<sup>TM</sup> team compared CDs from more than 60 major banks, credit unions, and online-only banks. Our top picks are available to customers across the U.S. no matter where you’re located, subject to the terms of each CD.</p> <p>For our best overall CD rates, we ranked CD products in the following categories and weighted each one as outlined in the percentages below:</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="pies-title" id="datawrapper-chart-LE4ap" frameBorder="0" height="465" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/LE4ap/1/" style="border:none" title="Best certificates of deposit: Our methodology" width="100%"></iframe></div></figure> <ul><li><strong>Number of terms with above-average rates (60%): </strong>To determine which banks had the best rates, we looked at whether they offered above-average APYs on a wide range of term lengths.</li> <li><strong>Minimum deposit requirement (20%):</strong> To open a CD at any financial institution, the institution will require that you deposit a minimum dollar amount. We thought a lower minimum was preferable and rated banks with lower minimum deposit requirements higher. </li> <li><strong>Number of terms offered (15%): </strong>When you opt for a bank or credit union that offers a wide array of CD terms, you have a greater chance of finding a CD that aligns with your investment horizon. We evaluated financial institutions based on the number of CD terms they provide. Banks with more CD terms ranked higher. </li> <li><strong>Customer service (5%):</strong> Top picks offer customers three ways to get in contact: chat support, by phone, or email. Among the three options, we gave phone support the most weight.</li></ul> <p>We didn’t include brokered CDs on our list, which are riskier because they are sold on the secondary market through brokerages. </p> <p>CD rates, fees, and minimum deposit requirements may be limited-time offers, and APYs are subject to change. The FDIC or NCUA insures all the banks and credit unions on this list. Terminating your CD before it matures may incur a penalty fee, which varies by bank and credit union.</p> <p><strong>Dig deeper:</strong> learn more about our <a href="https://fortune.com/fortune-recommends-banking-methodology/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-banking-methodology/">banking methodology</a>.</p> <div class="myFinance-widget" data-ad-id="ed375ef3-c83b-43c1-8a5a-57347a4e9d42" data-campaign="fortune-cds-multi" data-sub-id="cds-multi-cc"></div> <h2 class="wp-block-heading" id="FAQs">Frequently asked questions</h2> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Who is paying the highest CD rates right now?</h3></summary><p>Right now, Quontic, Bask Bank, and Citibank are offering the highest APYs on their 3-month CDs. For savers looking for longer term lengths, Colorado Federal Savings Bank and First National Bank of America are offering high APYs on their 1-year term lengths, at 4.50% and 4.26%, respectively.</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Quontic Bank</td><td>4.95% on a 3-month CD</td></tr><tr><td>Bask Bank</td><td>4.65% on a 3-month CD</td></tr><tr><td>Citibank</td><td>4.45% on a 3-month CD</td></tr><tr><td>UMB Bank</td><td>0.05% on a 3-month CD</td></tr></tbody></table></figure></div></div></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>In which situation would a certificate of deposit (CD) be the best banking choice? </h3></summary><p>A CD may be the best banking choice for you if you are saving for a long-term goal with a specific timeline in mind. To avoid early withdrawal penalties or potentially forfeiting any interest earned on the funds in your CD, you want to be sure that you won't need access to your money before your CD's maturity date. </p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Can you add money to a CD? </h3></summary><p>When you invest in a CD, you typically deposit one lump sum and then leave it alone until the account reaches maturity. However, some financial institutions offer special types of "add-on" CDs that allow you to deposit additional funds after the initial deposit. The amount and frequency of deposits you're allowed to make depend on the particular account.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>How often do current CD rates change?</h3></summary><p>Banks and credit unions update current CD rates based on market conditions. These rates typically receive an update no more frequently than weekly, although some don't do so for months.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Is now a good time to lock in a CD?</h3></summary><p>CD rates are the highest they've been in years, but they're starting to fall with the Fed's rate change. So, yes, it's a good time to put your money in a CD, but hurry if you want to lock in your money at a top rate.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Are CDs FDIC insured?</h3></summary><p>Yes, certificates of deposit are insured by the Federal Deposit Insurance Corp. (FDIC). The FDIC insures all its members’ bank accounts, including savings, money market accounts, and CDs, up to $250,000 per customer per bank. Therefore, in the rare case of a bank failure, your money stays safe. If you take out a CD with a credit union, make sure it’s insured through the National Credit Union Administration (NCUA)—a similar institution to the FDIC that insures credit unions.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Why should you put $15,000 into a 1 year CD now?</h3></summary><p>If you have $15,000 to lock up for a year in a CD, now could be a good time to do it. CD rates are <em>just</em> starting to drop in response to the fed's hints that it'll lower interest rates at least once this year, so if you've been thinking about a CD, now is the time to act.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Are short-term or long-term CD rates better?</h3></summary><p>Generally speaking, long-term CDs offer higher interest rates than short-term CDs—think of it as a reward for committing your money for a longer period. However, this is not always the case. When the yield curve inverts, short-term CDs boast higher rates than long-term CDs. Overall, whether it's better to choose a short-term or long-term CD depends on your goals and the current interest rate environment. Learn more about how to invest in CDs in our guide.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Are CDs good during inflation?</h3></summary><p>CDs can be a good investment when inflation is high, but since interest rates tend to rise and fall with the inflation rate, you might be breaking even when you account for taxes too. For example, when inflation is high, the Federal Reserve will raise interest rates to curb demand and reduce inflation. While you’ll score a higher APY on a CD, the high inflation rate could wipe out most of the returns you get from the CD. Note that since CDs usually offer higher interest rates than checking accounts and traditional savings accounts, CDs can help you better outpace inflation than other deposit accounts. Plus, you can lock in rates with CDs.</p></details> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <h3 class="wp-block-heading pro-tip-box-heading">Read more</h3> <ul> <li>The <a href="https://fortune.com/recommends/banking/best-checking-account-bonuses/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-checking-account-bonuses/">best checking account bonuses</a> can give savers a boost on their balances.</li> <li>Maximize your returns with one of the <a href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-high-yield-savings-accounts/">best high-yield savings accounts</a>.</li> <li>The <a href="https://fortune.com/recommends/banking/best-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-savings-accounts/">best savings accounts</a> earn better returns on your hard-earned cash.</li> <li>Check out our ranking of the <a href="https://fortune.com/recommends/banking/the-best-money-market-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-money-market-accounts/">best money market accounts</a>.</li> <li>Buried in debt? The <a href="https://fortune.com/recommends/loans/best-debt-relief-companies/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/best-debt-relief-companies/">best debt relief companies</a> can give you a hand.</li> <li>The <a href="https://fortune.com/recommends/banking/best-1-year-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-1-year-cd-rates/">best 1-year CD rates</a> ranking can help you earn a high APY on a 12-month deposit.</li> </ul> </div></div></div><div class="sc-30bdb254-0 kxagCu evergreen" data-cy="subscriptionPlea">Follow Fortune Recommends on <a href="https://www.linkedin.com/showcase/fortunerecommends/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.linkedin.com/showcase/fortunerecommends/" rel="noopener">LinkedIn,</a> <a href="https://twitter.com/fortunerecs" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://twitter.com/fortunerecs" rel="noopener">X</a>, and <a href="https://www.tiktok.com/@fortunerecs" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.tiktok.com/@fortunerecs" rel="noopener">TikTok</a>.</div></div></div></div><div class="sc-82385409-3 dKaNXQ bottom-section"><div data-cy="authors-bio-cards" class="sc-82385409-6 kSOnKx"><h4 class="sc-3358ecfd-0 fwBYux">About the contributors</h4><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Abigail Rueger</span></a><span class="sc-3be47025-2 eSlZzo">Deputy Editor, Banking</span></div></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Abigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/abigail-rueger-9a8941129/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Cassie Bottorff</span></a><span class="sc-3be47025-2 eSlZzo">Editor, Business & Banking</span></div></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Cassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://x.com/cassandra_glenn" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our twitter profile"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li></ul><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></div><p class="disclosure" data-cy="editorial-disclosure">EDITORIAL DISCLOSURE<em>: The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends</em>™<em> <!-- -->editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.</em></p><div data-cy="social-container" class="sc-82385409-4 dCKPvt"><ul class="sc-8ad666-0 hOsicv sc-82385409-5 bfAyRo"><li class="sc-8ad666-1 czevxq"><a href="https://www.facebook.com/sharer.php/?u=https%3A%2F%2Ffortune.com%2Frecommends%2Fbanking%2Fthe-best-cd-rates%2F" target="_blank" class="sc-93594058-0 fowfrQ " rel="noopener noreferrer" aria-label="go to facebook"><svg aria-hidden="true" focusable="false" data-prefix="fab" data-icon="facebook-square" class="svg-inline--fa fa-facebook-square fa-w-14 social-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512"><path d="M400 32H48A48 48 0 0 0 0 80v352a48 48 0 0 0 48 48h137.25V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.27c-30.81 0-40.42 19.12-40.42 38.73V256h68.78l-11 71.69h-57.78V480H400a48 48 0 0 0 48-48V80a48 48 0 0 0-48-48z"></path></svg></a></li><li class="sc-8ad666-1 czevxq"><a href="https://twitter.com/intent/tweet?text=The%2010%20best%20CD%20rates%20for%20November%202024%3A%20Earn%20up%20to%204.75%25&url=https%3A%2F%2Ffortune.com%2Frecommends%2Fbanking%2Fthe-best-cd-rates%2F" target="_blank" class="sc-93594058-0 fowfrQ " rel="noopener noreferrer" aria-label="go to twitter"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li><li class="sc-8ad666-1 czevxq"><a href="https://www.linkedin.com/shareArticle/?url=https%3A%2F%2Ffortune.com%2Frecommends%2Fbanking%2Fthe-best-cd-rates%2F" target="_blank" class="sc-93594058-0 fowfrQ " rel="noopener noreferrer" aria-label="go to linkedin"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-8ad666-1 czevxq"><a href="mailto:?subject=The 10 best CD rates for November 2024: Earn up to 4.75%&body=https%3A%2F%2Ffortune.com%2Frecommends%2Fbanking%2Fthe-best-cd-rates%2F" target="_blank" class="sc-93594058-0 fowfrQ " rel="noopener noreferrer" aria-label="send email"><svg width="24" height="18" aria-hidden="true" viewBox="0 0 24 18" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M14.4747 10.8365C13.8304 11.2865 12.7893 12.0136 12 12C11.2107 12.0136 10.1695 11.2864 9.5252 10.8364C9.28184 10.6664 9.09512 10.536 9.00002 10.5C8.61064 10.2104 8.2424 9.93631 7.89379 9.67685C2.27897 5.49787 1.75656 5.10905 0 4.50001C0.106708 4.03869 0.0705415 3.74127 0.0349746 3.44877C0.0174142 3.30436 0 3.16115 0 3.00001V1.5C0 1.00781 1.00781 0 1.5 0H21C22.9922 0 24 1.00781 24.0001 1.5V3.00001C24 3.16109 23.9826 3.30478 23.9651 3.44966C23.9295 3.74326 23.8933 4.04178 24.0001 4.50001C22.2336 5.11695 21.7152 5.50272 16.0109 9.74783C15.6907 9.98615 15.3541 10.2366 15 10.5C14.9049 10.536 14.7181 10.6665 14.4747 10.8365ZM24.0001 16.5C24.0001 17.0019 22.9922 18 22.5001 18H3.00001C1.00781 18 0 17.0019 0 16.5V6C1.50467 6.87191 2.89687 7.89793 7.50002 12C8.00846 12.0231 8.61207 12.3215 9.269 12.6463C10.1202 13.0672 11.0608 13.5323 12 13.5C12.9438 13.5349 13.8965 13.0613 14.7497 12.6372C15.4094 12.3093 16.0095 12.011 16.5 12C21.1079 7.89793 22.4954 6.86728 24.0001 6V16.5Z"></path></svg></a></li></ul></div><div data-cy="top-articles" class="sc-e7bcd642-2 jhQdLF"><h2 class="sc-3358ecfd-0 sc-e7bcd642-0 lbOvVG dvmNGh">Top Articles</h2><div data-cy="top-articles" class="sc-e7bcd642-1 dIxVVV"><div data-cy="article-card-wrapper" class="sc-c9c5992f-2 sc-c9c5992f-4 dOBzQA hCIDYx"><a href="https://fortune.com/recommends/banking/cash-advance-apps/?itm_source=parsely-api" target="_self" class="sc-93594058-0 sNmfm card-image styled-custom-link " data-cy="article-image-link"><img alt="10 cash advance apps that can help when you need money fast" data-cy="article-card-image" loading="lazy" width="300" height="300" decoding="async" data-nimg="1" class="image-link" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg?w=1440&q=75"/></a><div class="card-wrapper "><h3 class="sc-3358ecfd-0 iULPke card-title" data-cy="article-card-title"><a href="https://fortune.com/recommends/banking/cash-advance-apps/?itm_source=parsely-api" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link ">10 cash advance apps that can help when you need money fast</a></h3><div class="sc-cc7d6b4a-0 lNYKf card-authors" data-cy="article-card-by-line"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/katherine-haan" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Katherine Haan author's page">Katherine Haan</a></span></div><span class="card-date" data-cy="article-card-date">November 26, 2024</span></div></div><div data-cy="article-card-wrapper" class="sc-c9c5992f-2 sc-c9c5992f-4 dOBzQA hCIDYx"><a href="https://fortune.com/recommends/banking/the-best-cd-rates/?itm_source=parsely-api" target="_self" class="sc-93594058-0 sNmfm card-image styled-custom-link " data-cy="article-image-link"><img alt="The 10 best CD rates for April 2024: earn over 5%" data-cy="article-card-image" loading="lazy" width="300" height="300" decoding="async" data-nimg="1" class="image-link" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?w=1440&q=75"/></a><div class="card-wrapper "><h3 class="sc-3358ecfd-0 iULPke card-title" data-cy="article-card-title"><a href="https://fortune.com/recommends/banking/the-best-cd-rates/?itm_source=parsely-api" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link ">The 10 best CD rates for April 2024: earn over 5%</a></h3><div class="sc-cc7d6b4a-0 lNYKf card-authors" data-cy="article-card-by-line"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/trina-paul" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Trina Paul author's page">Trina Paul</a></span></div><span class="card-date" data-cy="article-card-date">November 26, 2024</span></div></div><div data-cy="article-card-wrapper" class="sc-c9c5992f-2 sc-c9c5992f-4 dOBzQA hCIDYx"><a href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/?itm_source=parsely-api" target="_self" class="sc-93594058-0 sNmfm card-image styled-custom-link " data-cy="article-image-link"><img alt="Best high-yield savings account rates: Updated daily" data-cy="article-card-image" loading="lazy" width="300" height="300" decoding="async" data-nimg="1" class="image-link" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg?w=1440&q=75"/></a><div class="card-wrapper "><h3 class="sc-3358ecfd-0 iULPke card-title" data-cy="article-card-title"><a href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/?itm_source=parsely-api" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link ">Best high-yield savings account rates: Updated daily</a></h3><div class="sc-cc7d6b4a-0 lNYKf card-authors" data-cy="article-card-by-line"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/abigail-rueger" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Abigail Rueger author's page">Abigail Rueger</a></span></div><span class="card-date" data-cy="article-card-date">November 26, 2024</span></div></div></div></div></div></div></div></main><footer class="sc-f19f6d8d-0 bJEJKK"><nav class="sc-f19f6d8d-1 cQpwpw"><div class="sc-f19f6d8d-3 hrTgdV rankings"><div class="sc-f19f6d8d-4 wEZoO">Rankings</div><div class="sc-f19f6d8d-2 hUAbPg"><ul class="sc-4ebe8201-0 jDgEWe"><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/ranking/best-companies/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to 100 Best Companies">100 Best Companies</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/ranking/fortune500/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Fortune 500">Fortune 500</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/ranking/global500/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Global 500">Global 500</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/europe/ranking/fortune500-europe/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Fortune 500 Europe">Fortune 500 Europe</a></li></ul><ul class="sc-4ebe8201-0 jDgEWe"><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/ranking/most-powerful-women/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Most Powerful Women">Most Powerful Women</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/ranking/future-50/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Future 50">Future 50</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/ranking/worlds-most-admired-companies/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to World’s Most Admired Companies">World’s Most Admired Companies</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/ranking/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to See All Rankings">See All Rankings</a></li></ul></div></div><div class="sc-f19f6d8d-3 hrTgdV sections"><div class="sc-f19f6d8d-4 wEZoO">Sections</div><div class="sc-f19f6d8d-2 hUAbPg"><ul class="sc-4ebe8201-0 jDgEWe"><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/finance/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Finance">Finance</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/leadership/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Leadership">Leadership</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/success/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Success">Success</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/tech/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Tech">Tech</a></li></ul><ul class="sc-4ebe8201-0 jDgEWe"><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/asia/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Asia">Asia</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/europe/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Europe">Europe</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/environment/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Environment">Environment</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/crypto/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Fortune Crypto">Fortune Crypto</a></li></ul><ul class="sc-4ebe8201-0 jDgEWe"><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/health/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Health">Health</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/well/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Well">Well</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/retail/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Retail">Retail</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/lifestyle/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Lifestyle">Lifestyle</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/politics/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Politics">Politics</a></li></ul><ul class="sc-4ebe8201-0 jDgEWe"><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/newsletters/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Newsletters">Newsletters</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/magazine/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Magazine">Magazine</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/features/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Features">Features</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/commentary/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Commentary">Commentary</a></li></ul><ul class="sc-4ebe8201-0 jDgEWe"><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/mpw/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to MPW">MPW</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/ceoi" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to CEO Initiative">CEO Initiative</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/conferences/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Conferences">Conferences</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/section/personal-finance/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Personal Finance">Personal Finance</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/recommends/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Recommends">Recommends</a></li></ul></div></div><div class="sc-f19f6d8d-3 hrTgdV customer"><div class="sc-f19f6d8d-4 wEZoO">Customer Support</div><div class="sc-f19f6d8d-2 hUAbPg"><ul class="sc-4ebe8201-0 jDgEWe"><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/customerservice/#faq" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Frequently Asked Questions">Frequently Asked Questions</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/customerservice/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Customer Service Portal">Customer Service Portal</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/privacy-policy/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Privacy Policy">Privacy Policy</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/terms-of-use/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Terms of Use">Terms of Use</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://order.emags.com/fortune_single_issues" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Single Issues for Purchase">Single Issues for Purchase</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/international-print-magazine-only-subscribers/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to International Print">International Print</a></li></ul></div></div><div class="sc-f19f6d8d-3 hrTgdV commercial"><div class="sc-f19f6d8d-4 wEZoO">Commercial Services</div><div class="sc-f19f6d8d-2 hUAbPg"><ul class="sc-4ebe8201-0 jDgEWe"><li class="sc-4ebe8201-1 ljzhCf"><a href="https://customcontentonline.com/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Fortune Brand Studio">Fortune Brand Studio</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/analytics" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Fortune Analytics">Fortune Analytics</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortuneconferences.com" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Fortune Conferences">Fortune Conferences</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortunemediakit.com/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Advertising">Advertising</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/business-development/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Business Development">Business Development</a></li></ul></div></div><div class="sc-f19f6d8d-3 hrTgdV about"><div class="sc-f19f6d8d-4 wEZoO">About Us</div><div class="sc-f19f6d8d-2 hUAbPg"><ul class="sc-4ebe8201-0 jDgEWe"><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/about-us/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to About Us">About Us</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/editorial-calendar/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Editorial Calendar">Editorial Calendar</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/press-center/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Press Center">Press Center</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://boards.greenhouse.io/fortune/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Work at Fortune">Work at Fortune</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/workplace/diversity-inclusion" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Diversity and Inclusion">Diversity and Inclusion</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/terms-of-use/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Terms and Conditions">Terms and Conditions</a></li><li class="sc-4ebe8201-1 ljzhCf"><a href="https://fortune.com/sitemap/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="footer link to Site Map">Site Map</a></li></ul></div></div></nav><div class="sc-f19f6d8d-5 bLAYuZ"><div class="sc-f19f6d8d-6 feoYNo"><p>© 2024 Fortune Media IP Limited. All Rights Reserved. Use of this site constitutes acceptance of our <a href="https://fortune.com/terms-of-use/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/terms-of-use/">Terms of Use</a> and <a href="https://fortune.com/privacy-policy/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/privacy-policy/">Privacy Policy</a> | <a href="https://fortune.com/california-privacy-policy/#notice" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to /california-privacy-policy/#notice">CA Notice at Collection and Privacy Notice</a> | <a href="javascript:Optanon.ToggleInfoDisplay();" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to javascript:Optanon.ToggleInfoDisplay();" rel="noopener">Do Not Sell/Share My Personal Information</a><br/> FORTUNE is a trademark of Fortune Media IP Limited, registered in the U.S. and other countries. FORTUNE may receive compensation for some links to products and services on this website. Offers may be subject to change without notice.</p></div><ul class="sc-f8fcf8ba-0 KnLDB"><li class="sc-f8fcf8ba-1 iLfkyF"><a href="https://www.facebook.com/FortuneMagazine/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our facebook profile"><svg viewBox="0 0 12 20" xmlns="http://www.w3.org/2000/svg" tabindex="-1" aria-label="Facebook" aria-hidden="true"><path d="M8.4 3.5c-.4 0-.8.4-.8 1.1v2.2h3.9v3.3h-4v9.8H3.8v-9.7H.5V6.9h3.3V5c0-2.8 2-4.9 4.6-4.9h3.1v3.4H8.4z"></path></svg></a></li><li class="sc-f8fcf8ba-1 iLfkyF"><a href="https://twitter.com/FortuneMagazine/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our twitter profile"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li><li class="sc-f8fcf8ba-1 iLfkyF"><a href="https://www.linkedin.com/company/fortune-magazine/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-f8fcf8ba-1 iLfkyF"><a href="https://www.instagram.com/fortunemag/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our instagram profile"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M23.2 7.4c0-.9-.2-1.9-.5-2.7-.3-.8-.7-1.4-1.3-2-.6-.6-1.2-1-2-1.3-.9-.3-1.8-.5-2.7-.5-1.2-.1-1.6-.1-4.6-.1-3 0-3.4 0-4.6.1-.9 0-1.9.2-2.7.5-.8.3-1.4.7-2 1.3-.6.6-1 1.2-1.3 2-.3.9-.5 1.8-.5 2.7C.9 8.6.9 9 .9 12c0 3 0 3.4.1 4.6 0 .9.2 1.9.5 2.7.3.8.7 1.4 1.3 2 .6.6 1.2 1 2 1.3.9.3 1.8.5 2.7.5 1.2.1 1.6.1 4.6.1 3 0 3.4 0 4.6-.1.9 0 1.9-.2 2.7-.5 1.5-.6 2.7-1.8 3.3-3.3.3-.9.5-1.8.5-2.7.1-1.2.1-1.6.1-4.6 0-3-.1-3.4-.1-4.6zm-2 9.2c0 .7-.1 1.4-.4 2.1-.4 1-1.2 1.8-2.1 2.1-.7.2-1.4.4-2.1.4-1.2.1-1.5.1-4.6.1-3.1 0-3.4 0-4.6-.1-.7 0-1.4-.1-2.1-.4-.5-.2-.9-.5-1.3-.8-.4-.4-.7-.8-.8-1.3-.2-.7-.4-1.4-.4-2.1-.1-1.2-.1-1.5-.1-4.6 0-3.1 0-3.4.1-4.6 0-.7.1-1.4.4-2.1.2-.5.5-.9.8-1.3.4-.4.8-.7 1.3-.8.7-.2 1.4-.4 2.1-.4 1.2-.1 1.5-.1 4.6-.1 3.1 0 3.4 0 4.6.1.7 0 1.4.1 2.1.4.5.2.9.5 1.3.8.4.4.7.8.8 1.3.2.7.4 1.4.4 2.1.1 1.2.1 1.5.1 4.6 0 3.1-.1 3.4-.1 4.6zM12 6.2c-3.2 0-5.8 2.6-5.8 5.8 0 3.2 2.6 5.8 5.8 5.8 3.2 0 5.8-2.6 5.8-5.8 0-3.2-2.6-5.8-5.8-5.8zm0 9.6c-2.1 0-3.8-1.7-3.8-3.8 0-2.1 1.7-3.8 3.8-3.8 2.1 0 3.8 1.7 3.8 3.8 0 2.1-1.7 3.8-3.8 3.8zM19.4 6c0 .7-.6 1.4-1.4 1.4-.8 0-1.4-.6-1.4-1.4 0-.8.6-1.4 1.4-1.4.8 0 1.4.6 1.4 1.4z"></path></svg></a></li><li class="sc-f8fcf8ba-1 iLfkyF"><a href="https://www.pinterest.com/fortunemagazine/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our pinterest profile"><svg width="25" height="32" aria-hidden="true" viewBox="0 0 25 32" xmlns="http://www.w3.org/2000/svg"><path d="M14.526 23.21c-1.948-.153-2.766-1.118-4.293-2.046-.84 4.406-1.866 8.63-4.906 10.836-.94-6.658 1.377-11.66 2.453-16.968-1.834-3.087.22-9.3 4.09-7.77 4.758 1.883-4.123 11.478 1.84 12.676 6.223 1.25 8.765-10.8 4.905-14.72C13.038-.44 2.38 5.088 3.69 13.19c.32 1.982 2.367 2.583.82 5.317-3.57-.792-4.636-3.607-4.5-7.36C.233 5.004 5.53.703 10.847.107c6.722-.752 13.03 2.468 13.902 8.79.98 7.138-3.034 14.867-10.222 14.312z"></path></svg></a></li></ul></div></footer></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"headerNav":{"domainLogo":"\n \u003csvg class=\"recommends-logo\" width=\"1359\" height=\"97\" viewBox=\"0 0 1359 97\" fill=\"none\" xmlns=\"http://www.w3.org/2000/svg\" display=\"block\"\u003e\n \u003cpath d=\"M769.111 47.69V46.65ZM1318.37 96.42C1345.21 96.42 1358.76 81.31 1358.76 63.58C1358.76 41.95 1344.04 36.35 1320.97 34.13C1313.02 33.35 1310.54 31.65 1310.54 28.53C1310.54 25.79 1312.63 24.1 1316.8 24.1C1321.23 24.1 1323.71 26.84 1323.97 30.88H1356.02C1354.46 9.51 1341.3 0 1316.93 0C1292.17 0 1277.71 13.03 1277.71 31.14C1277.71 50.95 1287.22 58.63 1314.98 61.63C1322.67 62.54 1325.53 64.11 1325.53 67.36C1325.53 70.23 1323.84 72.31 1318.36 72.31C1311.32 72.31 1308.85 68.79 1308.59 64.36H1275.88C1276.15 86.78 1291.78 96.42 1318.37 96.42ZM1217.38 68.15V27.89H1219.86C1231.07 27.89 1236.28 31.67 1236.28 47.44V48.48C1236.28 62.94 1231.85 68.16 1220.12 68.16H1217.38V68.15ZM1182.59 94.6H1221.29C1254.26 94.6 1272.5 78.44 1272.5 47.69V46.78C1272.5 16.29 1254.91 1.43001 1221.16 1.43001H1182.59V94.6V94.6ZM1087.6 94.6H1118.48V43.78L1144.28 94.6H1177.25V1.43001H1146.5V44.69L1126.3 1.43001H1087.6V94.6ZM1010.17 94.6H1081.71V68.15H1044.7V59.81H1072.32V35.83H1044.7V27.88H1079.75V1.43001H1010.17V94.6ZM890.881 94.6H921.631V45.08L939.351 94.6H951.081L969.581 45.08V94.6H1004.11V1.43001H960.331L947.691 38.7L935.441 1.43001H890.881V94.6ZM771.301 94.6H802.051V45.08L819.771 94.6H831.501L850.001 45.08V94.6H884.531V1.43001H840.751L828.111 38.7L815.861 1.43001H771.291V94.6H771.301ZM618.041 96.42C643.841 96.42 662.611 82.87 663.651 57.46H628.991C628.211 65.28 623.521 68.67 617.131 68.67C608.141 68.67 603.451 61.63 603.451 48.47V47.43C603.451 33.88 608.271 27.36 616.481 27.36C622.471 27.36 626.121 31.53 626.511 38.57H662.481C660.131 11.73 643.061 0 616.351 0C588.201 0 566.831 18.37 566.831 47.56V48.6C566.831 77.14 582.601 96.42 618.041 96.42ZM492.431 94.6H563.971V68.15H526.961V59.81H554.581V35.83H526.961V27.88H562.011V1.43001H492.431V94.6V94.6ZM433.531 43.26V27.23H437.701C444.221 27.23 447.211 29.44 447.211 34.53V35.05C447.211 40.52 444.211 43.26 437.441 43.26H433.531V43.26ZM399.001 94.6H433.531V65.02H435.481L449.941 94.6H486.031L466.871 57.46C475.211 52.9 480.551 45.6 480.551 33.35V32.83C480.551 12.63 467.651 1.43001 439.891 1.43001H398.971V94.6H399.001Z\" fill=\"#00CD98\"/\u003e\n \u003cpath d=\"M717.3 96.42C743.93 96.42 765.51 74.83 765.51 48.21C765.51 21.58 743.92 0 717.3 0C690.68 0 669.09 21.59 669.09 48.21C669.09 74.84 690.68 96.42 717.3 96.42Z\" fill=\"#00CD98\"/\u003e\n \u003cpath d=\"M741.911 29.1201C743.071 30.1301 743.201 31.8901 742.191 33.0501C742.181 33.0701 742.161 33.0801 742.151 33.1001L711.821 67.2101C710.781 68.3701 709.001 68.4801 707.831 67.4401C707.751 67.3701 707.671 67.2901 707.601 67.2101L692.441 50.1401C691.411 48.9601 691.521 47.1701 692.701 46.1401C693.881 45.1101 695.671 45.2201 696.701 46.4001L709.871 61.0901L738.091 29.2501C739.101 28.0901 740.861 27.9601 742.021 28.9701C742.041 28.9901 742.051 29.0001 742.071 29.0201L741.911 29.1201Z\" fill=\"white\"/\u003e\n \u003cpath d=\"M308.541 1.3999V52.2099L292.571 1.3999H276.781V94.5899H292.571V48.9299L306.841 94.5899H324.331V1.3999H308.541Z\" fill=\"black\"/\u003e\n \u003cpath d=\"M0 1.3999V94.5899H15.78V54.6399H30.42V38.8499H15.78V17.1799H38.49V1.3999H0Z\" fill=\"black\"/\u003e\n \u003cpath d=\"M205.002 1.3999H161.262V17.1799H175.242V94.5899H191.022V17.1799H205.002V1.3999Z\" fill=\"black\"/\u003e\n \u003cpath d=\"M339.781 1.3999V94.5899H378.271V78.8099H355.571V54.6399H370.211V38.8499H355.571V17.1799H378.271V1.3999H339.781Z\" fill=\"black\"/\u003e\n \u003cpath d=\"M154.021 94.5901H137.711L126.041 50.3401C126.041 50.3401 136.081 48.5301 136.081 37.8501V23.2901C136.081 19.9101 133.341 17.1801 129.971 17.1801H123.901V94.5901H108.111V1.39014H129.951C141.721 1.39014 151.301 10.6801 151.811 22.3301H151.861V37.5602H151.811C151.811 46.7601 148.801 53.3901 143.301 57.6101L154.021 94.5901Z\" fill=\"black\"/\u003e\n \u003cpath d=\"M246.052 1.40015V74.0002C246.052 77.3802 243.312 80.1201 239.922 80.1201C236.532 80.1201 233.792 77.3802 233.792 74.0002V1.40015H218.012V74.0002C218.012 86.1002 227.822 95.9102 239.922 95.9102C252.022 95.9102 261.832 86.1002 261.832 74.0002V1.40015H246.052V1.40015Z\" fill=\"black\"/\u003e\n \u003cpath d=\"M48.6914 21.9901V74.0001C48.6914 86.1001 58.5014 95.9101 70.6014 95.9101C82.7014 95.9101 92.5114 86.1001 92.5114 74.0001V21.9901C92.5114 9.89008 82.7014 0.0800781 70.6114 0.0800781H70.6014C58.5014 0.0800781 48.6914 9.89008 48.6914 21.9901ZM64.4814 74.0001V21.9901C64.4814 18.6101 67.2214 15.8601 70.6114 15.8601H70.6214C74.0014 15.8601 76.7314 18.5901 76.7314 21.9701V73.9901C76.7314 77.3701 73.9914 80.1201 70.6114 80.1201C67.2214 80.1201 64.4814 77.3801 64.4814 74.0001Z\" fill=\"black\"/\u003e\n \u003c/svg\u003e\n","leftMenu":[{"id":"cG9zdDo0MDc4NDI3","label":"Personal Finance","subMenu":[{"id":"cG9zdDo0MDc4NDI4","label":"Credit Cards","subMenu":null,"url":"/recommends/credit-cards/"},{"id":"cG9zdDo0MDc4NDI5","label":"Banking","subMenu":[{"id":"cG9zdDo0MDc4NDc2","label":"Savings","subMenu":[{"id":"cG9zdDo0MDc4NDc3","label":"Best Savings Accounts","subMenu":null,"url":"/recommends/banking/best-savings-accounts/"},{"id":"cG9zdDo0MDc4NDc5","label":"Best High-Yield Savings Accounts","subMenu":null,"url":"/recommends/banking/best-high-yield-savings-accounts/"},{"id":"cG9zdDo0MDc4NDgw","label":"What is a High-Yield Savings Account?","subMenu":null,"url":"/recommends/banking/what-is-high-yield-savings-account/"},{"id":"cG9zdDo0MDc4NDgx","label":"Savings Calculator","subMenu":null,"url":"/recommends/banking/savings-account-calculator/"}],"url":"/recommends/savings/"},{"id":"cG9zdDo0MDc4NDg3","label":"CDs","subMenu":[{"id":"cG9zdDo0MDc4NDg5","label":"Best CD Rates","subMenu":null,"url":"/recommends/banking/the-best-cd-rates/"},{"id":"cG9zdDo0MDc4NDkw","label":"Current CD rates","subMenu":null,"url":"/recommends/banking/highest-current-cd-rates/"},{"id":"cG9zdDo0MDc4NDkx","label":"1-Year CD Rates","subMenu":null,"url":"/recommends/banking/the-best-1-year-cd-rates/"}],"url":"/recommends/cds/"},{"id":"cG9zdDo0MDc4NDky","label":"Best Money Market Accounts","subMenu":null,"url":"/recommends/banking/the-best-money-market-accounts/"},{"id":"cG9zdDo0MDc4NDkz","label":"Best Cash Advance Apps","subMenu":null,"url":"/recommends/banking/cash-advance-apps/"},{"id":"cG9zdDo0MDc4NDk0","label":"Free Checking Accounts","subMenu":null,"url":"/recommends/banking/best-free-checking-accounts/"},{"id":"cG9zdDo0MDc4NDk1","label":"Checking Account Bonuses","subMenu":null,"url":"/recommends/banking/best-checking-account-bonuses/"},{"id":"cG9zdDo0MDc4NDk5","label":"Online Banks \u0026 Credit Unions","subMenu":null,"url":"/recommends/banking/best-online-banks-and-credit-unions/"},{"id":"cG9zdDo0MDc4NTAy","label":"Business Checking Accounts","subMenu":null,"url":"/recommends/banking/best-business-checking-accounts/"},{"id":"cG9zdDo0MDc4NTAz","label":"Budgeting Apps","subMenu":null,"url":"/recommends/banking/best-budgeting-apps/"}],"url":"/recommends/banking/"},{"id":"cG9zdDo0MDc4NDMw","label":"Insurance","subMenu":[{"id":"cG9zdDo0MDc4NTE2","label":"Jewelry Insurance","subMenu":null,"url":"/recommends/insurance/best-jewelry-insurance/"},{"id":"cG9zdDo0MDc4NTIx","label":"Small Business Insurance Companies","subMenu":null,"url":"/recommends/insurance/best-small-business-insurance-companies/"}],"url":"/recommends/insurance/"},{"id":"cG9zdDo0MDc4NTM4","label":"Mortgages","subMenu":[{"id":"cG9zdDo0MDc4NTI4","label":"Home Equity Loan Rates","subMenu":null,"url":"/recommends/mortgages/home-equity-loan-rates/"}],"url":"/recommends/mortgages/"},{"id":"cG9zdDo0MDc4NDMx","label":"Investing","subMenu":[{"id":"cG9zdDo0MDc4NTMw","label":"Investments","subMenu":null,"url":"/recommends/investing/best-investments/"},{"id":"cG9zdDo0MDc4NTMx","label":"Online Brokerages","subMenu":null,"url":"/recommends/investing/best-online-brokerages/"},{"id":"cG9zdDo0MDc4NTMy","label":"Investment Apps","subMenu":null,"url":"/recommends/investing/best-investment-apps/"},{"id":"cG9zdDo0MDc4NTMz","label":"Cryptocurrency Apps \u0026 Exchanges","subMenu":null,"url":"/recommends/investing/best-crypto-apps-and-exchanges/"},{"id":"cG9zdDo0MDc4NTM0","label":"Roth IRAs","subMenu":null,"url":"/recommends/investing/best-roth-iras/"},{"id":"cG9zdDo0MDc4NTM1","label":"Robo-Advisors","subMenu":null,"url":"/recommends/investing/best-robo-advisors/"}],"url":"/recommends/investing/"},{"id":"cG9zdDo0MDc4NDQ5","label":"Loans","subMenu":[{"id":"cG9zdDo0MDc4NTUx","label":"Best Credit Repair Companies","subMenu":null,"url":"/recommends/loans/best-credit-repair-companies/"},{"id":"cG9zdDo0MDc4NTUz","label":"Best Debt Relief Companies","subMenu":null,"url":"/recommends/loans/best-debt-relief-companies/"},{"id":"cG9zdDo0MDc4NTU0","label":"Personal Loans","subMenu":null,"url":"/recommends/loans/best-personal-loans/"},{"id":"cG9zdDo0MDc4NTU2","label":"Buy-Now, Pay-Later Apps","subMenu":null,"url":"/recommends/loans/best-buy-now-pay-later-apps/"}],"url":"/recommends/loans/"}],"url":"/recommends/personal-finance/"},{"id":"cG9zdDo0MDc4NDMz","label":"Education","subMenu":[{"id":"cG9zdDo0MDc4NDM1","label":"Business","subMenu":null,"url":"/education/business/"},{"id":"cG9zdDo0MDc4NDM2","label":"Tech","subMenu":null,"url":"/education/information-technology/"},{"id":"cG9zdDo0MDc4NDM3","label":"Health \u0026 wellness","subMenu":null,"url":"/education/health/"}],"url":"/education/"},{"id":"cG9zdDo0MDc4NDQx","label":"Business Solutions","subMenu":[{"id":"cG9zdDo0MDc4NDQy","label":"VoIP","subMenu":null,"url":"/recommends/voip/"},{"id":"cG9zdDo0MDc4NDQz","label":"CRM","subMenu":null,"url":"/recommends/crm/"},{"id":"cG9zdDo0MDc4NDQ0","label":"Payroll","subMenu":null,"url":"/recommends/payroll/"},{"id":"cG9zdDo0MDc4NDQ1","label":"Web Hosting","subMenu":null,"url":"/recommends/web-hosting/"}],"url":"/recommends/business/"},{"id":"cG9zdDo0MDc4NDQ2","label":"Shopping","subMenu":[{"id":"cG9zdDo0MDc4NDQ3","label":"Shopping Guides","subMenu":null,"url":"/recommends/shopping-guides/"}],"url":"/recommends/shopping-guides/"}],"rightMenu":[],"rightRailMenu":[{"id":"cG9zdDozNDI0NDc0","label":"The Coins","subMenu":null,"url":"/crypto/section/the-coins/"},{"id":"cG9zdDozNDI0NDc1","label":"Companies","subMenu":null,"url":"/crypto/section/companies/"},{"id":"cG9zdDozNDI0NDc2","label":"Regulators","subMenu":null,"url":"/crypto/section/regulators/"},{"id":"cG9zdDozNDI0NDc3","label":"NFTs \u0026 Culture","subMenu":null,"url":"/crypto/section/nfts-culture/"},{"id":"cG9zdDozNDI0NDg4","label":"Crash Course","subMenu":null,"url":"https://fortune.com/crypto/crash-course/"},{"id":"cG9zdDozNDI0NDg1","label":"More","subMenu":[{"id":"cG9zdDozNDI0NDg5","label":"fortune.com","subMenu":null,"url":"https://fortune.com/"},{"id":"cG9zdDozNDI0NDkw","label":"Video On Demand","subMenu":null,"url":"https://fortune.com/videos/"},{"id":"cG9zdDozNDI0NDkx","label":"Fortune Live Media","subMenu":null,"url":"https://fortune.com/conferences/"},{"id":"cG9zdDozNjgyMTU0","label":"CEO Initiative","subMenu":null,"url":"https://fortune.com/ceoi"},{"id":"cG9zdDozNDI0NDky","label":"Fortune Connect","subMenu":null,"url":"https://fortune.com/connect/"},{"id":"cG9zdDozNDI0NDk0","label":"Fortune Education","subMenu":null,"url":"https://fortune.com/education/"},{"id":"cG9zdDozNDI0NDk2","label":"Fortune Well","subMenu":null,"url":"https://fortune.com/well/"},{"id":"cG9zdDozNDI0NDk3","label":"Fortune Recommends","subMenu":null,"url":"https://fortune.com/recommends/"}],"url":null}],"subDomain":"recommends","topicNavigation":[{"id":"cG9zdDozODYzMzA0","label":"Home","subMenu":null,"url":"/recommends/"},{"id":"cG9zdDozODYzMzA1","label":"Personal Finance","subMenu":[{"id":"cG9zdDozODYzMzA2","label":"Credit Cards","subMenu":[{"id":"cG9zdDozODYzMzEx","label":"col1","subMenu":[{"id":"cG9zdDozODYzMzEy","label":"Editor's Picks","subMenu":[{"id":"cG9zdDozODYzMzE3","label":"Cash back credit cards","subMenu":null,"url":"/recommends/credit-cards/best-cash-back-credit-cards/"},{"id":"cG9zdDozODYzMzE2","label":"Business credit cards","subMenu":null,"url":"/recommends/credit-cards/best-business-credit-cards/"},{"id":"cG9zdDozODYzMzE1","label":"Balance transfer credit cards","subMenu":null,"url":"/recommends/credit-cards/best-balance-transfer-credit-cards/"},{"id":"cG9zdDozODYzMzE4","label":"Prepaid debit credit cards","subMenu":null,"url":"/recommends/credit-cards/best-prepaid-debit-cards/"},{"id":"cG9zdDozODYzMzI0","label":"Secured credit cards","subMenu":null,"url":"/recommends/credit-cards/the-best-secured-credit-cards/"},{"id":"cG9zdDozODYzMzEz","label":"Best credit cards","subMenu":null,"url":"/recommends/credit-cards/best-credit-cards/"}],"url":null}],"url":null},{"id":"cG9zdDozODYzMzE5","label":"col2","subMenu":[{"id":"cG9zdDozODYzMzIw","label":"Travel Rewards","subMenu":[{"id":"cG9zdDozODYzMzI1","label":"Travel credit cards","subMenu":null,"url":"/recommends/credit-cards/best-travel-credit-cards/"},{"id":"cG9zdDozODYzMzIx","label":"Hotel credit cards","subMenu":null,"url":"/recommends/credit-cards/best-hotel-credit-cards/"},{"id":"cG9zdDozODYzMzE0","label":"Airline credit cards","subMenu":null,"url":"/recommends/credit-cards/best-airline-credit-cards/"},{"id":"cG9zdDozOTM0NDUy","label":"Credit cards for Delta Air Lines","subMenu":null,"url":"/recommends/credit-cards/best-credit-cards-for-delta-air-lines/"},{"id":"cG9zdDozODYzMzIz","label":"Credit cards for Hyatt","subMenu":null,"url":"/recommends/credit-cards/best-credit-cards-for-hyatt/"},{"id":"cG9zdDozOTM0NDUz","label":"Credit Cards for Southwest Airlines","subMenu":null,"url":"/recommends/credit-cards/best-southwest-airlines-credit-cards/"}],"url":"/recommends/travel-rewards/"}],"url":null},{"id":"cG9zdDozOTI3NjI3","label":"toppicks","subMenu":[{"id":"cG9zdDozOTI3NjI4","label":"Top Picks","subMenu":[{"id":"cG9zdDozOTI3NjMw","label":"6 best credit cards for airport lounge access","subMenu":null,"url":"https://fortune.com/recommends/credit-cards/best-credit-cards-for-airport-lounge-access/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/02/Centurion-Lounge-ATL_Architecture_Wellness_0085_V4-e1713212843677.jpg?resize=1200,600"},{"id":"cG9zdDozOTI4MjQy","label":"5 best no annual fee travel credit cards","subMenu":null,"url":"https://fortune.com/recommends/credit-cards/best-no-annual-fee-travel-credit-cards/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/03/GettyImages-1702955126-e1711468709642.jpg?resize=1200,600"},{"id":"cG9zdDozOTI4MjQ0","label":"4 best credit cards for cheap airport lounge access","subMenu":null,"url":"https://fortune.com/recommends/credit-cards/best-credit-cards-for-cheap-airport-lounge-access/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/04/GettyImages-1449693796-e1712612066929.jpg?resize=1200,600"}],"url":null}],"url":null}],"url":"/recommends/credit-cards/"},{"id":"cG9zdDozODYzMzA3","label":"Banking","subMenu":[{"id":"cG9zdDozODYzNDQ4","label":"col1","subMenu":[{"id":"cG9zdDozODYzNDUx","label":"Accounts and Services","subMenu":[{"id":"cG9zdDozODYzNDU1","label":"Best high-yield savings accounts","subMenu":null,"url":"/recommends/banking/best-high-yield-savings-accounts/"},{"id":"cG9zdDozODYzNDUy","label":"Best online banks","subMenu":null,"url":"/recommends/banking/best-online-banks/"},{"id":"cG9zdDozODYzNDU0","label":"Best savings accounts","subMenu":null,"url":"/recommends/banking/best-savings-accounts/"},{"id":"cG9zdDozODYzNDYw","label":"Best checking accounts","subMenu":null,"url":"/recommends/banking/best-checking-accounts/"},{"id":"cG9zdDozODYzNDYx","label":"Best checking account bonuses","subMenu":null,"url":"/recommends/banking/best-checking-account-bonuses/"},{"id":"cG9zdDozODYzNDYy","label":"Best money market accounts","subMenu":null,"url":"/recommends/banking/the-best-money-market-accounts/"}],"url":"/recommends/savings/"}],"url":null},{"id":"cG9zdDozODYzNDQ5","label":"col2","subMenu":[{"id":"cG9zdDozODYzNDY1","label":"Certificates of Deposit","subMenu":[{"id":"cG9zdDozODY5NTQ2","label":"Best CD rates","subMenu":null,"url":"https://fortune.com/recommends/banking/the-best-cd-rates/"},{"id":"cG9zdDozODYzNDcw","label":"Best 1-month CDs","subMenu":null,"url":"/recommends/banking/best-1-month-cds/"},{"id":"cG9zdDozODYzNDcz","label":"Best 6-month CDs","subMenu":null,"url":"/recommends/banking/best-6-month-cd-rates"},{"id":"cG9zdDozODYzNDc0","label":"Best 1-year CDs","subMenu":null,"url":"/recommends/banking/best-1-year-cd-rates/"},{"id":"cG9zdDozODYzNDc1","label":"Best 3-year CD","subMenu":null,"url":"/recommends/banking/best-3-year-cd-rates/"},{"id":"cG9zdDozODYzNDc3","label":"Best 5-year CDs","subMenu":null,"url":"/recommends/banking/best-5-year-cd-rates/"}],"url":"/recommends/cds/"}],"url":null},{"id":"cG9zdDozOTM0NDU0","label":"toppicks","subMenu":[{"id":"cG9zdDozOTM0NDU2","label":"Top Picks","subMenu":[{"id":"cG9zdDozOTg5OTMy","label":"The 10 best budgeting apps for 2024","subMenu":null,"url":"https://fortune.com/recommends/banking/best-budgeting-apps/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2023/03/recommends-budgeting-apps.jpg?resize=1200,600"},{"id":"cG9zdDozOTM0NDU4","label":"Explore cash advance apps","subMenu":null,"url":"https://fortune.com/recommends/banking/cash-advance-apps/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg?resize=1200,600"},{"id":"cG9zdDozOTM0NDYx","label":"Savings calculator","subMenu":null,"url":"https://fortune.com/recommends/banking/savings-account-calculator/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2023/07/Recommends_Savings_Account_calculator.jpg?resize=1200,600"}],"url":null}],"url":null}],"url":"/recommends/banking/"},{"id":"cG9zdDozODYzMzA4","label":"Insurance","subMenu":[{"id":"cG9zdDozODYzNDg2","label":"col1","subMenu":[{"id":"cG9zdDozODYzNDg3","label":"Editor's Picks","subMenu":[{"id":"cG9zdDozODYzNDkw","label":"Best small business insurance","subMenu":null,"url":"/recommends/insurance/best-small-business-insurance-companies/"},{"id":"cG9zdDozODYzNDkx","label":"Best small business health insurance","subMenu":null,"url":"/recommends/insurance/best-small-business-health-insurance-companies/"},{"id":"cG9zdDozODYzNDky","label":"Best jewelry insurance companies","subMenu":null,"url":"/recommends/insurance/best-jewelry-insurance/"},{"id":"cG9zdDozODYzNDk1","label":"Best luxury watch insurance","subMenu":null,"url":"/recommends/insurance/best-watch-insurance-companies/"},{"id":"cG9zdDozOTM0NDcy","label":"Credit cards with travel insurance guide","subMenu":null,"url":"https://fortune.com/recommends/credit-cards/credit-cards-with-travel-insurance/"}],"url":null}],"url":null},{"id":"cG9zdDozOTM0NDcz","label":"col2","subMenu":[{"id":"cG9zdDozOTM0NDc1","label":"Learn More","subMenu":[{"id":"cG9zdDozOTM0NDc2","label":"What is NCUA insurance?","subMenu":null,"url":"https://fortune.com/recommends/banking/what-is-ncua-insurance/"},{"id":"cG9zdDozOTM0NDc5","label":"What is FDIC insurance?","subMenu":null,"url":"https://fortune.com/recommends/banking/what-is-fdic-insurance/"},{"id":"cG9zdDozOTM0NDgw","label":"Credit card car rental insurance: how to save","subMenu":null,"url":"https://fortune.com/recommends/credit-cards/credit-card-rental-insurance/"},{"id":"cG9zdDozOTM0NDgx","label":"Homeowners insurance: what to know","subMenu":null,"url":"https://fortune.com/recommends/insurance/what-is-homeowners-insurance/"},{"id":"cG9zdDozOTM0NDgy","label":"Auto insurance: choose the best option for you","subMenu":null,"url":"https://fortune.com/recommends/insurance/what-is-auto-insurance/"},{"id":"cG9zdDozOTM0NDgz","label":"What is umbrella insurance?","subMenu":null,"url":"https://fortune.com/recommends/insurance/what-is-umbrella-insurance/"}],"url":null}],"url":null},{"id":"cG9zdDozOTM0NDg0","label":"toppicks","subMenu":[{"id":"cG9zdDozOTM0NDg1","label":"Top Pick","subMenu":[{"id":"cG9zdDozOTM0NDg2","label":"A comprehensive guide to small business insurance: Here’s how to safeguard your company","subMenu":null,"url":"https://fortune.com/recommends/insurance/small-business-insurance-guide/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/02/small-business-insurance-pizza-e1708007074464.jpg?resize=1200,600"}],"url":null}],"url":null}],"url":"/recommends/insurance/"},{"id":"cG9zdDozODYzMzA5","label":"Investing","subMenu":[{"id":"cG9zdDozODYzNDg4","label":"col1","subMenu":[{"id":"cG9zdDozODYzNDg5","label":"Online advisors and brokerages","subMenu":[{"id":"cG9zdDozODYzNTAz","label":"Best robo-advisors","subMenu":null,"url":"/recommends/investing/best-robo-advisors/"},{"id":"cG9zdDozODYzNTA0","label":"Best online brokerages","subMenu":null,"url":"/recommends/investing/best-online-brokerages/"},{"id":"cG9zdDozODYzNTA1","label":"Best roth IRAs","subMenu":null,"url":"/recommends/investing/best-roth-iras/"},{"id":"cG9zdDozOTM0NDkx","label":"Best investment apps","subMenu":null,"url":"https://fortune.com/recommends/investing/best-investment-apps/"},{"id":"cG9zdDozOTM0NDky","label":"Best cryptocurrency apps and exchanges","subMenu":null,"url":"https://fortune.com/recommends/investing/best-crypto-apps-and-exchanges/"}],"url":null}],"url":null},{"id":"cG9zdDozOTM0NDkz","label":"col2","subMenu":[{"id":"cG9zdDozOTM0NDk0","label":"Investing Guides","subMenu":[{"id":"cG9zdDozOTM0NDk1","label":"A beginner’s guide to investing in the stock market","subMenu":null,"url":"https://fortune.com/recommends/investing/how-to-start-investing/"},{"id":"cG9zdDozOTM0NDk2","label":"How much should you be investing?","subMenu":null,"url":"https://fortune.com/recommends/investing/how-much-of-your-income-should-go-toward-investing/"},{"id":"cG9zdDozOTM0NDk3","label":"How to open an investment account to build your first portfolio","subMenu":null,"url":"https://fortune.com/recommends/investing/how-to-open-an-investment-account/"},{"id":"cG9zdDozOTM0NDk5","label":"Saving vs. investing: How to choose the right strategy","subMenu":null,"url":"https://fortune.com/recommends/banking/saving-vs-investing/"}],"url":null}],"url":"/"},{"id":"cG9zdDozOTM0NTAw","label":"toppicks","subMenu":[{"id":"cG9zdDozOTM0NTAx","label":"Top Pick","subMenu":[{"id":"cG9zdDozOTM0NTAy","label":"Stock market outlook for 2024: Here’s what the experts predict","subMenu":null,"url":"https://fortune.com/recommends/investing/stock-market-outlook/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2023/12/GettyImages-1785916354-e1702315266848.jpg?resize=1200,600"},{"id":"cG9zdDozOTkwMjI2","label":"Best Bitcoin IRA companies: Retirement investments in cryptocurrencies","subMenu":null,"url":"https://fortune.com/recommends/investing/best-bitcoin-ira-companies/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_BestBitcoin-IRA-e1720816636357.jpg?resize=1200,600"},{"id":"cG9zdDozOTkwMjI3","label":"Best gold IRA companies of 2024","subMenu":null,"url":"https://fortune.com/recommends/investing/best-gold-ira-companies/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_Best-Gold-IRA-companies-e1720444521720.jpg?resize=1200,600"}],"url":null}],"url":null}],"url":"/recommends/investing/"},{"id":"cG9zdDozODYzMzEw","label":"Loans and Mortgages","subMenu":[{"id":"cG9zdDozODYzNTA2","label":"col1","subMenu":[{"id":"cG9zdDozODYzNTA3","label":"Loans","subMenu":[{"id":"cG9zdDozODYzNTA4","label":"Best personal loans","subMenu":null,"url":"/recommends/loans/best-personal-loans/"},{"id":"cG9zdDozODYzNTEw","label":"Best credit counseling services","subMenu":null,"url":"/recommends/loans/best-credit-counseling-services/"},{"id":"cG9zdDozODYzNTEy","label":"Best credit repair companies","subMenu":null,"url":"/recommends/loans/best-credit-repair-companies/"},{"id":"cG9zdDozODYzNTE1","label":"Best debt relief companies","subMenu":null,"url":"/recommends/loans/best-debt-relief-companies/"},{"id":"cG9zdDozOTM0NTE0","label":"Best buy-now, pay-later apps","subMenu":null,"url":"https://fortune.com/recommends/loans/best-buy-now-pay-later-apps/"},{"id":"cG9zdDozODYzNTE2","label":"National Debt Relief review","subMenu":null,"url":"/recommends/loans/national-debt-relief-review/"}],"url":"/recommends/loans/"}],"url":"http://-"},{"id":"cG9zdDozODYzNTE5","label":"col2","subMenu":[{"id":"cG9zdDozODYzNTIw","label":"Mortgages","subMenu":[{"id":"cG9zdDozODYzNTIx","label":"Home equity loan rates","subMenu":null,"url":"/recommends/mortgages/home-equity-loan-rates/"},{"id":"cG9zdDozODYzNTIz","label":"How mortgage interest rates are set","subMenu":null,"url":"/recommends/mortgages/how-are-mortgage-interest-rates-set-by-lenders/"},{"id":"cG9zdDozODYzNTI0","label":"How to calculate your home equity","subMenu":null,"url":"/recommends/mortgages/how-to-calculate-home-equity/"},{"id":"cG9zdDozOTM0NTE3","label":"Should you rent or buy? The complete guide","subMenu":null,"url":"https://fortune.com/recommends/mortgages/renting-vs-buying-a-home/"},{"id":"cG9zdDozOTM0NTE4","label":"Compare 30-year mortgage rates","subMenu":null,"url":"/recommends/mortgages/30-year-mortgage-rates/"},{"id":"cG9zdDozOTM0NTIw","label":"How to buy a house: step-by-step guide","subMenu":null,"url":"/recommends/mortgages/how-to-buy-a-house/"}],"url":"/recommends/mortgages/"}],"url":null},{"id":"cG9zdDozOTM0NTIy","label":"toppicks","subMenu":[{"id":"cG9zdDozOTM0NTIz","label":"Top Pick","subMenu":[{"id":"cG9zdDozOTM0NTI0","label":"Compare current mortgage rates","subMenu":null,"url":"https://fortune.com/recommends/mortgages/current-mortgage-rates/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/06/GettyImages-1270122329.jpg?resize=1200,600"}],"url":null}],"url":null}],"url":"/recommends/loans-mortgages/"}],"url":"/recommends/personal-finance/"},{"id":"cG9zdDozODYzMzI4","label":"Education","subMenu":[{"id":"cG9zdDozODYzMzg4","label":"Business","subMenu":[{"id":"cG9zdDozODYzNDAw","label":"col1","subMenu":[{"id":"cG9zdDozODYzNDAx","label":"MBA Articles","subMenu":[{"id":"cG9zdDozODYzMzk3","label":"How much does an MBA cost?","subMenu":null,"url":"/education/articles/how-much-does-an-mba-cost/"},{"id":"cG9zdDozODYzMzk4","label":"What is an MBA?","subMenu":null,"url":"/education/articles/what-is-an-mba-and-when-does-it-make-sense-to-get-one/"},{"id":"cG9zdDozODYzMzk5","label":"Why get an MBA?","subMenu":null,"url":"/education/articles/why-should-you-get-an-mba/"},{"id":"cG9zdDozOTM4NzQ3","label":"Is an online MBA worth it?","subMenu":null,"url":"https://fortune.com/education/articles/is-an-online-mba-worth-it/"}],"url":null}],"url":null},{"id":"cG9zdDozODYzNDAy","label":"col2","subMenu":[{"id":"cG9zdDozODYzNDAz","label":"Rankings","subMenu":[{"id":"cG9zdDozODYzNDA0","label":"Best MBA programs","subMenu":null,"url":"/education/business/best-mba-programs/"},{"id":"cG9zdDozODYzNDA1","label":"Best online MBAs","subMenu":null,"url":"/education/business/best-online-mba-programs/"},{"id":"cG9zdDozODYzNDA2","label":"Best part-time MBAs","subMenu":null,"url":"/education/business/best-parttime-mba-programs/"},{"id":"cG9zdDozOTM0NzAy","label":"Best executive MBA Programs","subMenu":null,"url":"https://fortune.com/education/business/best-executive-mba-programs/"},{"id":"cG9zdDozOTM0NzA0","label":"Best MBA programs: No GMAT required","subMenu":null,"url":"https://fortune.com/education/business/best-mba-programs/no-gmat-gre-required/"}],"url":"/education/business/"}],"url":null},{"id":"cG9zdDozOTM0NzA1","label":"toppicks","subMenu":[{"id":"cG9zdDozOTM0NzA2","label":"Top Pick","subMenu":[{"id":"cG9zdDozOTM5NjI4","label":"10 online MBA programs that cost less than $16K","subMenu":null,"url":"https://fortune.com/education/articles/10-online-mba-programs-that-cost-less-than-16k/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2023/12/GettyImages-697223122.jpg?resize=1200,600"}],"url":null}],"url":null}],"url":"/education/business/"},{"id":"cG9zdDozODYzMzg5","label":"Tech","subMenu":[{"id":"cG9zdDozODYzNDA4","label":"col1","subMenu":[{"id":"cG9zdDozODYzNDEw","label":"AI Articles","subMenu":[{"id":"cG9zdDozODYzNDEy","label":"Free AI classes","subMenu":null,"url":"/education/articles/free-ai-classes-you-can-take-online/"},{"id":"cG9zdDozOTM0NzIw","label":"AI bootcamps","subMenu":null,"url":"https://fortune.com/education/articles/ai-bootcamps/"}],"url":null},{"id":"cG9zdDozOTYyOTMz","label":"Cybersecurity Articles","subMenu":[{"id":"cG9zdDozODYzNDE4","label":"Skills needed for cybersecurity","subMenu":null,"url":"/education/articles/cybersecurity-requirements-to-land-a-career/"},{"id":"cG9zdDozODYzNDE5","label":"Free cybersecurity courses","subMenu":null,"url":"/education/articles/free-online-cybersecurity-courses/"},{"id":"cG9zdDozOTM0NzYz","label":"Online cybersecurity certifications","subMenu":null,"url":"https://fortune.com/education/articles/cybersecurity-certifications/"}],"url":null}],"url":null},{"id":"cG9zdDozODYzNDA5","label":"col2","subMenu":[{"id":"cG9zdDozODYzNDEx","label":"Rankings","subMenu":[{"id":"cG9zdDozOTM0NzQ0","label":"Best master's in data science","subMenu":null,"url":"https://fortune.com/education/information-technology/best-masters-in-data-science/"},{"id":"cG9zdDozOTM0NzQ1","label":"Best online master's in data science","subMenu":null,"url":"https://fortune.com/education/information-technology/best-online-masters-in-data-science/"},{"id":"cG9zdDozOTM0NzQ2","label":"Best data science and analytics bootcamps","subMenu":null,"url":"https://fortune.com/education/bootcamps/best-data-science-and-analytics-bootcamps/"},{"id":"cG9zdDozOTM0NzQ3","label":"Best master's in computer Science","subMenu":null,"url":"https://fortune.com/education/information-technology/best-in-person-masters-in-computer-science/"},{"id":"cG9zdDozOTM0NzQ4","label":"Best online master's in computer science","subMenu":null,"url":"https://fortune.com/education/information-technology/best-online-masters-in-computer-science/"},{"id":"cG9zdDozODYzNDI0","label":"Best master’s in cybersecurity","subMenu":null,"url":"/education/information-technology/best-masters-in-cybersecurity/"},{"id":"cG9zdDozOTM4NzUy","label":"Best cybersecurity bootcamps","subMenu":null,"url":"https://fortune.com/education/articles/best-cybersecurity-bootcamps/"}],"url":"/education/information-technology/"}],"url":null},{"id":"cG9zdDozOTM0NzQ5","label":"toppicks","subMenu":[{"id":"cG9zdDozOTYyODk1","label":"Top Picks","subMenu":[{"id":"cG9zdDozOTYyOTA5","label":"Top AI programming languages","subMenu":null,"url":"https://fortune.com/education/articles/ai-programming-languages/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/02/AI-programming-languages-GettyImages-1518874007-e1709244825422.jpg?resize=1200,600"},{"id":"cG9zdDozOTYyOTI3","label":"Schools offering master’s in artificial intelligence","subMenu":null,"url":"https://fortune.com/education/articles/masters-in-ai-artificial-intelligence/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2023/12/GettyImages-1258279957.jpg?resize=1200,600"},{"id":"cG9zdDozOTYyOTQz","label":"Get into cybersecurity with no experience","subMenu":null,"url":"https://fortune.com/education/articles/how-to-get-into-cybersecurity-with-no-experience/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/02/Fortune-Recommends_Education_Girl-looking-at-ipad-e1709242437548.jpg?resize=1200,600"}],"url":null}],"url":null}],"url":"/education/information-technology/"},{"id":"cG9zdDozODYzMzkx","label":"Health \u0026 wellness","subMenu":[{"id":"cG9zdDozODYzNDMy","label":"col1","subMenu":[{"id":"cG9zdDozODYzNDMz","label":"Explainers","subMenu":[{"id":"cG9zdDozODYzNDI5","label":"How much a health coach can earn","subMenu":null,"url":"/education/articles/how-much-does-a-health-coach-make/"},{"id":"cG9zdDozODYzNDMx","label":"Worth becoming a health coach?","subMenu":null,"url":"/education/articles/is-becoming-a-certified-health-coach-worth-it/"},{"id":"cG9zdDozOTM0Nzgy","label":"Accredited online master's of social work programs","subMenu":null,"url":"https://fortune.com/education/health/accredited-online-msw-programs/"},{"id":"cG9zdDozOTM0Nzg0","label":"What is a MD-MPH degree?","subMenu":null,"url":"https://fortune.com/education/articles/what-is-a-md-mph-degree-and-what-jobs-does-it-prepare-you-for/"}],"url":null}],"url":null},{"id":"cG9zdDozODYzNDM1","label":"col2","subMenu":[{"id":"cG9zdDozODYzNDM2","label":"Rankings","subMenu":[{"id":"cG9zdDozODYzNDM3","label":"Best health coach certifications","subMenu":null,"url":"/education/articles/best-health-coach-certifications/"},{"id":"cG9zdDozODYzNDM4","label":"Best online Master's in Psychology","subMenu":null,"url":"/education/health/best-online-masters-in-psychology-degree-programs/"},{"id":"cG9zdDozODYzNDM5","label":"Best online MPH programs","subMenu":null,"url":"/education/health/best-online-masters-in-public-health-programs/"},{"id":"cG9zdDozOTM0Nzg4","label":"Best online MSN nurse practitioner programs","subMenu":null,"url":"https://fortune.com/education/health/best-online-msn-nurse-practitioner-programs/"},{"id":"cG9zdDozOTM0Nzg5","label":"Most affordable online MSN nurse practitioner programs","subMenu":null,"url":"https://fortune.com/education/health/most-affordable-online-msn-nurse-practitioner-programs/"},{"id":"cG9zdDozOTM0Nzky","label":"Best online master's in nursing (MSN)","subMenu":null,"url":"https://fortune.com/education/health/best-online-masters-in-nursing/"}],"url":"/education/health/"}],"url":null},{"id":"cG9zdDozOTM0Nzk1","label":"toppicks","subMenu":[{"id":"cG9zdDozOTYyOTcx","label":"Top Pick","subMenu":[{"id":"cG9zdDozOTYyOTcw","label":"Best personal trainer certifications for 2024","subMenu":null,"url":"https://fortune.com/education/articles/best-personal-trainer-certifications/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/04/Best-personal-trainer-certifications-GettyImages-1422543971-e1713813202821.jpg?resize=1200,600"}],"url":null}],"url":null}],"url":"/education/health/"}],"url":"/education/"},{"id":"cG9zdDozODczMjcx","label":"Business Solutions","subMenu":[{"id":"cG9zdDozODczMjcy","label":"VoIP","subMenu":[{"id":"cG9zdDozODczMjc2","label":"col1","subMenu":[{"id":"cG9zdDozODczMjg2","label":"Editor's Picks","subMenu":[{"id":"cG9zdDozODczNTM5","label":"Best VoIP service","subMenu":null,"url":"/recommends/voip/best-voip-service/"},{"id":"cG9zdDozODczNTQw","label":"Best VoIP for small businesses","subMenu":null,"url":"https://fortune.com/recommends/voip/best-voip-service"},{"id":"cG9zdDozODczNTQx","label":"Best cheap VoIP services","subMenu":null,"url":"https://fortune.com/recommends/voip/cheap-voip-services/"},{"id":"cG9zdDozOTk2OTUy","label":"Best call center software","subMenu":null,"url":"https://fortune.com/recommends/voip/best-call-center-software/"}],"url":null}],"url":null},{"id":"cG9zdDozODczMjc4","label":"col2","subMenu":[{"id":"cG9zdDozODczMjg3","label":"Reviews","subMenu":[{"id":"cG9zdDozODczNTQy","label":"Dialpad review","subMenu":null,"url":"/recommends/voip/dialpad-review/"},{"id":"cG9zdDozODczNTQz","label":"8x8 review","subMenu":null,"url":"/recommends/voip/8x8-review/"},{"id":"cG9zdDozODczNTQ0","label":"Intermedia Unite review","subMenu":null,"url":"/recommends/voip/intermedia-unite-review/"}],"url":null}],"url":null},{"id":"cG9zdDozOTM5Njg0","label":"toppicks","subMenu":[{"id":"cG9zdDozOTM5Njg1","label":"Top Pick","subMenu":[{"id":"cG9zdDozOTQwOTQx","label":"What is VoIP?","subMenu":null,"url":"https://fortune.com/recommends/voip/what-is-voip/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/04/VOIP-GettyImages-1781955291-e1713198147241.jpg?resize=1200,600"}],"url":null}],"url":null}],"url":"/recommends/voip/"},{"id":"cG9zdDozODczMjc1","label":"CRM","subMenu":[{"id":"cG9zdDozODczMjgw","label":"col1","subMenu":[{"id":"cG9zdDozODczMjg0","label":"Editor's Picks","subMenu":[{"id":"cG9zdDozODk1OTcw","label":"Best CRM for SMB","subMenu":null,"url":"https://fortune.com/recommends/crm/best-crm-for-smb/"},{"id":"cG9zdDozODczNTQ2","label":"Best cheap CRM","subMenu":null,"url":"https://fortune.com/recommends/crm/best-cheap-crm/"},{"id":"cG9zdDozODczNTQ3","label":"Best simple CRM","subMenu":null,"url":"https://fortune.com/recommends/crm/best-simple-crm/"},{"id":"cG9zdDozODczNTQ4","label":"Best free CRM","subMenu":null,"url":"https://fortune.com/recommends/crm/best-free-crm/"},{"id":"cG9zdDozOTk2OTY5","label":"Best marketing CRM","subMenu":null,"url":"https://fortune.com/recommends/crm/best-marketing-crm/"},{"id":"cG9zdDozOTk2OTcw","label":"Best CRM for startups","subMenu":null,"url":"https://fortune.com/recommends/crm/best-crm-for-startups/"}],"url":null}],"url":null},{"id":"cG9zdDozODczMjgy","label":"col2","subMenu":[{"id":"cG9zdDozODczMjg1","label":"Reviews","subMenu":[{"id":"cG9zdDozOTk2OTc5","label":"Hubspot","subMenu":null,"url":"https://fortune.com/recommends/crm/hubspot-crm-review/"},{"id":"cG9zdDozOTk2OTgx","label":"Zoho","subMenu":null,"url":"https://fortune.com/recommends/crm/zoho-crm-review/"},{"id":"cG9zdDozOTk2OTgy","label":"Salesforce Starter Suite","subMenu":null,"url":"https://fortune.com/recommends/crm/salesforce-starter-review/"},{"id":"cG9zdDozOTk2OTgz","label":"Redtail","subMenu":null,"url":"https://fortune.com/recommends/crm/redtail-review/"},{"id":"cG9zdDozOTk2OTg1","label":"Pipedrive","subMenu":null,"url":"https://fortune.com/recommends/crm/pipedrive-review/"},{"id":"cG9zdDozOTk2OTg2","label":"Less Annoying CRM","subMenu":null,"url":"https://fortune.com/recommends/crm/less-annoying-crm-review/"}],"url":null}],"url":null},{"id":"cG9zdDozOTYyOTg1","label":"toppicks","subMenu":[{"id":"cG9zdDozOTYyOTgw","label":"Top Pick","subMenu":[{"id":"cG9zdDozOTYyOTc5","label":"What is CRM?","subMenu":null,"url":"https://fortune.com/recommends/crm/"}],"url":null}],"url":null}],"url":"/recommends/crm/"},{"id":"cG9zdDozOTgzNjA3","label":"Payroll","subMenu":[{"id":"cG9zdDozOTgzNjA4","label":"col1","subMenu":[{"id":"cG9zdDozOTgzNjA5","label":"Editor's Picks","subMenu":[{"id":"cG9zdDozOTgzNjEw","label":"Best payroll software","subMenu":null,"url":"/recommends/payroll/best-payroll-software/"},{"id":"cG9zdDozOTgzNjEy","label":"Stay compliant with certified payroll","subMenu":null,"url":"/recommends/payroll/what-is-certified-payroll/"}],"url":null}],"url":null},{"id":"cG9zdDozOTgzNjIy","label":"col2","subMenu":[{"id":"cG9zdDozOTgzNjIz","label":"Reviews","subMenu":[{"id":"cG9zdDozOTgzNjI2","label":"Paylocity review","subMenu":null,"url":"/recommends/payroll/paylocity-review/"},{"id":"cG9zdDozOTgzNjI3","label":"Gusto review","subMenu":null,"url":"/recommends/payroll/gusto-review/"},{"id":"cG9zdDozOTgzNjI5","label":"Justworks review","subMenu":null,"url":"/recommends/payroll/justworks-review/"},{"id":"cG9zdDozOTgzNjMx","label":"SurePayroll review","subMenu":null,"url":"/recommends/payroll/surepayroll-review/"}],"url":null}],"url":null},{"id":"cG9zdDozOTgzNjEz","label":"toppicks","subMenu":[{"id":"cG9zdDozOTgzNjE0","label":"Top Pick","subMenu":[{"id":"cG9zdDozOTgzNjE1","label":"What is FICA tax and how is it calculated?","subMenu":null,"url":"https://fortune.com/recommends/payroll/what-is-fica-tax/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/07/Recommends_What-is-FICA-tax_GettyImages-182760257-e1720540456651.jpg?resize=1200,600"}],"url":null}],"url":null}],"url":"/recommends/payroll/"},{"id":"cG9zdDozOTgzNjUy","label":"Web Hosting","subMenu":[{"id":"cG9zdDozOTgzNjUz","label":"col1","subMenu":[{"id":"cG9zdDozOTgzNjU0","label":"Editor's Picks","subMenu":[{"id":"cG9zdDozOTgzNjU3","label":"Best web hosting services","subMenu":null,"url":"/recommends/web-hosting/best-web-hosting-services/"},{"id":"cG9zdDozOTgzNjYw","label":"Best e-commerce web hosting services","subMenu":null,"url":"/recommends/web-hosting/best-ecommerce-hosting-services/"},{"id":"cG9zdDozOTgzNjYx","label":"Web hosting costs: understand plans, prices and fees","subMenu":null,"url":"/recommends/web-hosting/website-hosting-cost/"}],"url":null}],"url":null},{"id":"cG9zdDozOTgzNjYy","label":"col2","subMenu":[{"id":"cG9zdDozOTgzNjYz","label":"Reviews","subMenu":[{"id":"cG9zdDozOTgzNjY0","label":"Bluehost Review","subMenu":null,"url":"/recommends/web-hosting/bluehost-review/"},{"id":"cG9zdDozOTgzNjY2","label":"Hostinger Review","subMenu":null,"url":"/recommends/web-hosting/hostinger-review/"},{"id":"cG9zdDozOTgzNjY3","label":"Namecheap Review","subMenu":null,"url":"/recommends/web-hosting/namecheap-review/"},{"id":"cG9zdDozOTgzNjY4","label":"IONOS review","subMenu":null,"url":"/recommends/web-hosting/ionos-review/"},{"id":"cG9zdDozOTgzNjcy","label":"InMotion Review","subMenu":null,"url":"/recommends/web-hosting/inmotion-review/"},{"id":"cG9zdDozOTgzNjcz","label":"Hostgator review","subMenu":null,"url":"/recommends/web-hosting/hostgator-review/"}],"url":null}],"url":null},{"id":"cG9zdDozOTgzNjc0","label":"toppicks","subMenu":[{"id":"cG9zdDozOTgzNjc2","label":"Top Pick","subMenu":[{"id":"cG9zdDozOTgzNjc3","label":"How to register a domain name with 4 easy steps","subMenu":null,"url":"https://fortune.com/recommends/web-hosting/how-to-register-domain-name/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/06/Recommends_How-to-register-a-domain-name.jpg?resize=1200,600"}],"url":null}],"url":null}],"url":"/recommends/web-hosting/"}],"url":"/recommends/business/"},{"id":"cG9zdDo0MDMxNDc1","label":"Shopping","subMenu":[{"id":"cG9zdDo0MDMxNDc2","label":"Holiday Deals \u0026 Guides","subMenu":[{"id":"cG9zdDo0MDMxNDc3","label":"col1","subMenu":[{"id":"cG9zdDo0MDcwOTIy","label":"-","subMenu":[{"id":"cG9zdDo0MDcwOTAz","label":"Costco Black Friday deals","subMenu":null,"url":"/recommends/shopping/costco-black-friday-deals/"},{"id":"cG9zdDo0MDcwNjgw","label":"Home Depot Black Friday Deals","subMenu":null,"url":"/recommends/shopping/home-depot-black-friday-deals/"},{"id":"cG9zdDo0MDc0NjY4","label":"Kohl's Black Friday deals","subMenu":null,"url":"/recommends/shopping/kohls-black-friday-deals/"},{"id":"cG9zdDo0MDc0NjY5","label":"Amazon Black Friday deals","subMenu":null,"url":"/recommends/shopping/amazon-black-friday-deals/"},{"id":"cG9zdDo0MDc0NjY1","label":"Best Buy Black Friday deals","subMenu":null,"url":"/recommends/shopping/best-buy-black-friday-deals/"}],"url":null}],"url":null},{"id":"cG9zdDo0MDMxNDc5","label":"col2","subMenu":[{"id":"cG9zdDo0MDcwOTIz","label":"-","subMenu":[{"id":"cG9zdDo0MDcxMDQ0","label":"Amazon Cyber Monday deals","subMenu":null,"url":"/recommends/shopping/amazon-cyber-monday-deals/"},{"id":"cG9zdDo0MDcwNjgz","label":"Target Black Friday deals","subMenu":null,"url":"/recommends/shopping/target-black-friday-deals/"},{"id":"cG9zdDo0MDc0NjU5","label":"Walmart Black Friday deals","subMenu":null,"url":"/recommends/shopping/walmart-black-friday-deals/"},{"id":"cG9zdDo0MDc0NjYx","label":"Lowes Black Friday deals","subMenu":null,"url":"/recommends/shopping/lowes-black-friday-deals/"},{"id":"cG9zdDo0MDc1MTYy","label":"Apple Black Friday deals","subMenu":null,"url":"/recommends/shopping/apple-black-friday-deals/"}],"url":null}],"url":null},{"id":"cG9zdDo0MDcwNjg0","label":"toppicks","subMenu":[{"id":"cG9zdDo0MDcwNjg1","label":"Top Picks","subMenu":[{"id":"cG9zdDo0MDcwNjg2","label":"The best Black Friday deals of 2024","subMenu":null,"url":"https://fortune.com/recommends/shopping/black-friday-deals/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Recommends_The-best-Black-Friday-deals-of-2024-e1730844977958.jpg?resize=1200,600"},{"id":"cG9zdDo0MDcwNjg3","label":"The Best Cyber Monday deals","subMenu":null,"url":"https://fortune.com/recommends/shopping/cyber-monday-deals/","thumbnail":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Recommends_CyberMondayTips-e1731091240486.jpg?resize=1200,600"}],"url":null}],"url":null}],"url":"/recommends/shopping-guides/"}],"url":"/recommends/shopping/"}],"disclosure":{"fullText":"Fortune Recommends™ is editorially independent. We earn a commission for purchases made from affiliate partners via some links on our site; other links are not affiliate partner links. \u003ca href='/advertiser-disclosure/'\u003eClick here\u003c/a\u003e to read the full Fortune Recommends advertiser disclosure and how we earn commissions. \u003ca href='/about-recommends/'\u003eClick here\u003c/a\u003e to read about our editorial policies and our methodologies.","shortText":"Fortune Recommends™ is editorially independent. We may earn affiliate revenue from links in this content."},"progressBar":true,"templateType":"landing_page"},"mostPopular":[{"authors":[{"name":"Katherine Haan","uri":"/author/katherine-haan","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/katherine-haan/"}],"contentType":null,"date":"2023-01-16T16:06:00","dateFormatted":"January 16, 2023","dateGMT":"2023-01-16T16:06:00","dateGMTFormatted":"January 16, 2023","dateUpdated":"2024-11-26T16:02:37","dateUpdatedFormatted":"November 26, 2024","dateUpdatedGMT":"2024-11-26T21:02:37","dateUpdatedGMTFormatted":"November 26, 2024","excerpt":"A cash advance app can provide a quick cash injection. Here's what you need to know about fees, repayment terms, and more.","eyebrowSectionLabel":"Banking","eyebrowSectionLink":"/section/banking","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-1291367852-e1707415428246.jpg"},"title":"10 cash advance apps that can help when you need money fast","titleLink":"https://fortune.com/recommends/banking/cash-advance-apps/?itm_source=parsely-api"},{"authors":[{"name":"Trina Paul","uri":"/author/trina-paul","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/trina-paul/"}],"contentType":null,"date":"2023-03-17T18:42:07","dateFormatted":"March 17, 2023","dateGMT":"2024-05-10T15:24:36","dateGMTFormatted":"May 10, 2024","dateUpdated":"2024-11-26T08:32:04","dateUpdatedFormatted":"November 26, 2024","dateUpdatedGMT":"2024-11-26T13:32:04","dateUpdatedGMTFormatted":"November 26, 2024","excerpt":"The best CD rates are still near 5%, but falling quickly. Lock in a strong rate of return with these top options.","eyebrowSectionLabel":"Banking","eyebrowSectionLink":"/section/banking","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg"},"title":"The 10 best CD rates for April 2024: earn over 5%","titleLink":"https://fortune.com/recommends/banking/the-best-cd-rates/?itm_source=parsely-api"},{"authors":[{"name":"Abigail Rueger","uri":"/author/abigail-rueger","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/abigail-rueger/"}],"contentType":null,"date":"2024-04-26T12:53:55","dateFormatted":"April 26, 2024","dateGMT":"2024-04-26T12:53:55","dateGMTFormatted":"April 26, 2024","dateUpdated":"2024-11-26T08:32:40","dateUpdatedFormatted":"November 26, 2024","dateUpdatedGMT":"2024-11-26T13:32:40","dateUpdatedGMTFormatted":"November 26, 2024","excerpt":"The Fortune Recommends top picks for the best high-yield savings accounts offers customers the chance to earn over 5% APY. ","eyebrowSectionLabel":"Banking","eyebrowSectionLink":"/section/banking","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/09/Recommends_Best-HYSA.jpg"},"title":"Best high-yield savings account rates: Updated daily","titleLink":"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/?itm_source=parsely-api"}],"subdomain":"recommends","footer":{"footerDisclaimer":"\u003cp\u003e© 2024 Fortune Media IP Limited. All Rights Reserved. Use of this site constitutes acceptance of our \u003ca href=\"https://fortune.com/terms-of-use/\"\u003eTerms of Use\u003c/a\u003e and \u003ca href=\"https://fortune.com/privacy-policy/\"\u003ePrivacy Policy\u003c/a\u003e | \u003ca href=\"/california-privacy-policy/#notice\"\u003eCA Notice at Collection and Privacy Notice\u003c/a\u003e | \u003ca href=\"javascript:Optanon.ToggleInfoDisplay();\" target=\"_self\"\u003eDo Not Sell/Share My Personal Information\u003c/a\u003e\u003cbr /\u003e\nFORTUNE is a trademark of Fortune Media IP Limited, registered in the U.S. and other countries. FORTUNE may receive compensation for some links to products and services on this website. Offers may be subject to change without notice.\u003c/p\u003e\n","footerNav":[{"links":[{"__typename":"MenuItem","label":"100 Best Companies","url":"https://fortune.com/ranking/best-companies/"},{"__typename":"MenuItem","label":"Fortune 500","url":"https://fortune.com/ranking/fortune500/"},{"__typename":"MenuItem","label":"Global 500","url":"https://fortune.com/ranking/global500/"},{"__typename":"MenuItem","label":"Fortune 500 Europe","url":"https://fortune.com/europe/ranking/fortune500-europe/"}],"name":"Footer Rankings 1"},{"links":[{"__typename":"MenuItem","label":"Most Powerful Women","url":"https://fortune.com/ranking/most-powerful-women/"},{"__typename":"MenuItem","label":"Future 50","url":"https://fortune.com/ranking/future-50/"},{"__typename":"MenuItem","label":"World’s Most Admired Companies","url":"https://fortune.com/ranking/worlds-most-admired-companies/"},{"__typename":"MenuItem","label":"See All Rankings","url":"https://fortune.com/ranking/"}],"name":"Footer Rankings 2"},{"links":[{"__typename":"MenuItem","label":"Finance","url":"/section/finance/"},{"__typename":"MenuItem","label":"Leadership","url":"/section/leadership/"},{"__typename":"MenuItem","label":"Success","url":"/section/success/"},{"__typename":"MenuItem","label":"Tech","url":"/section/tech/"}],"name":"Footer Sections 1"},{"links":[{"__typename":"MenuItem","label":"Asia","url":"https://fortune.com/asia/"},{"__typename":"MenuItem","label":"Europe","url":"/europe/"},{"__typename":"MenuItem","label":"Environment","url":"/section/environment/"},{"__typename":"MenuItem","label":"Fortune Crypto","url":"https://fortune.com/crypto/"}],"name":"Footer Sections 2"},{"links":[{"__typename":"MenuItem","label":"Health","url":"/section/health/"},{"__typename":"MenuItem","label":"Well","url":"https://fortune.com/well/"},{"__typename":"MenuItem","label":"Retail","url":"/section/retail/"},{"__typename":"MenuItem","label":"Lifestyle","url":"/section/lifestyle/"},{"__typename":"MenuItem","label":"Politics","url":"/section/politics/"}],"name":"Footer Sections 3"},{"links":[{"__typename":"MenuItem","label":"Newsletters","url":"/section/newsletters/"},{"__typename":"MenuItem","label":"Magazine","url":"/section/magazine/"},{"__typename":"MenuItem","label":"Features","url":"/section/features/"},{"__typename":"MenuItem","label":"Commentary","url":"/section/commentary/"}],"name":"Footer Sections 4"},{"links":[{"__typename":"MenuItem","label":"MPW","url":"/section/mpw/"},{"__typename":"MenuItem","label":"CEO Initiative","url":"https://fortune.com/ceoi"},{"__typename":"MenuItem","label":"Conferences","url":"/section/conferences/"},{"__typename":"MenuItem","label":"Personal Finance","url":"/section/personal-finance/"},{"__typename":"MenuItem","label":"Recommends","url":"/recommends/"}],"name":"Footer Sections 5"},{"links":[{"__typename":"MenuItem","label":"Frequently Asked Questions","url":"https://fortune.com/customerservice/#faq"},{"__typename":"MenuItem","label":"Customer Service Portal","url":"https://fortune.com/customerservice/"},{"__typename":"MenuItem","label":"Privacy Policy","url":"/privacy-policy/"},{"__typename":"MenuItem","label":"Terms of Use","url":"https://fortune.com/terms-of-use/"},{"__typename":"MenuItem","label":"Single Issues for Purchase","url":"https://order.emags.com/fortune_single_issues"},{"__typename":"MenuItem","label":"International Print","url":"https://fortune.com/international-print-magazine-only-subscribers/"}],"name":"Footer Customer Support 1"},{"links":[{"__typename":"MenuItem","label":"Fortune Brand Studio","url":"https://customcontentonline.com/"},{"__typename":"MenuItem","label":"Fortune Analytics","url":"https://fortune.com/analytics"},{"__typename":"MenuItem","label":"Fortune Conferences","url":"https://fortuneconferences.com"},{"__typename":"MenuItem","label":"Advertising","url":"https://fortunemediakit.com/"},{"__typename":"MenuItem","label":"Business Development","url":"https://fortune.com/business-development/"}],"name":"Footer Commercial Services 1"},{"links":[{"__typename":"MenuItem","label":"About Us","url":"/about-us/"},{"__typename":"MenuItem","label":"Editorial Calendar","url":"https://fortune.com/editorial-calendar/"},{"__typename":"MenuItem","label":"Press Center","url":"https://fortune.com/press-center/"},{"__typename":"MenuItem","label":"Work at Fortune","url":"https://boards.greenhouse.io/fortune/"},{"__typename":"MenuItem","label":"Diversity and Inclusion","url":"https://fortune.com/workplace/diversity-inclusion"},{"__typename":"MenuItem","label":"Terms and Conditions","url":"/terms-of-use/"},{"__typename":"MenuItem","label":"Site Map","url":"/sitemap/"}],"name":"Footer About 1"}],"socialList":[{"type":"facebook","url":"https://www.facebook.com/FortuneMagazine/"},{"type":"twitter","url":"https://twitter.com/FortuneMagazine/"},{"type":"linkedin","url":"https://www.linkedin.com/company/fortune-magazine/"},{"type":"instagram","url":"https://www.instagram.com/fortunemag/"},{"type":"pinterest","url":"https://www.pinterest.com/fortunemagazine/"}]},"article":{"adTags":[{"adtagname":"cat_Certificates of Deposit","description":null,"slug":"cat-certificates-of-deposit"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"Don’t sleep on these great CD rates—many CDs yield nearly 5% APY. See which CDs made the cut.","authorNames":["Abigail Rueger"],"authors":[{"email":"abigail.rueger@fortune.com","image":"https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=150","name":"Abigail Rueger","sameAs":"","type":"Person","uri":"/author/abigail-rueger/","url":"https://fortune.com/author/abigail-rueger/","role":"Deputy Editor, Banking","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/abigail-rueger-9a8941129/","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eAbigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. \u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"PERSONAL FINANCE","link":"https://fortune.com/recommends/personal-finance/"},{"label":"BANKING","link":"/recommends/banking/"},{"label":"THE 10 BEST CD RATES FOR NOVEMBER 2024: EARN UP TO 5%","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Banking","content":"\u003cp\u003eWhile interest rates are taking a dip due to recent changes from the Federal Reserve, some of the best CDs still offer rates near 5%. By signing up for a certificate of deposit (CD) or share certificate,\u0026nbsp;you can earn extra cash without extra risk. As long as your financial institution is covered by Federal Deposit Insurance Corp. (FDIC) or National Credit Union Administration (NCUA) insurance, your money is safe up to $250,000 per depositor.\u0026nbsp;\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eWith a CD, you tie up your savings for a fixed term and, in exchange, you get a rate that beats what a traditional savings account offers. However, beware of early withdrawal penalties: If you tap your cash before the CD matures, you’ll be on the hook for a penalty typically worth a few months’ of interest.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines\u003c/a\u003e and the \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e for the ratings below.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003c/h4\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eOver 95 financial institutions compared\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than 1,000 data points tracked\u003c/li\u003e\n\n\n\n\u003cli\u003e4 levels of fact-checking\u003c/li\u003e\n\n\n\n\u003cli\u003eGuided by 25+ years of banking experience\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eHighest current CD rates (overall)\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Highest current CD Rates\" aria-label=\"Table\" id=\"datawrapper-chart-94Exq\" src=\"https://datawrapper.dwcdn.net/94Exq/18/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"1412\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cdiv class=\"wp-block-group comparison-table-group-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch2 class=\"wp-block-heading sponsored-disclosure\"\u003eSPONSORED PARTNERS\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-table comparison-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003e\u003cimg loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"94\" class=\"wp-image-3850667\" style=\"width: 150px;\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Discover_logo.png\" alt=\"Discover Bank logo\"\u003e\u003cbr\u003eDiscover\u003c/th\u003e\u003cth\u003e\u003cimg loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"94\" class=\"wp-image-3856275\" style=\"width: 150px;\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Barclays_logo.png\" alt=\"Barclays logo\"\u003e\u003cbr\u003eBarclays\u003c/th\u003e\u003cth\u003e\u003cimg loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"94\" class=\"wp-image-3956899\" style=\"width: 150px;\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/07/Marcus-by-Goldman-Sachs-logo.png\" alt=\"Marcus by Goldman Sachs\"\u003e\u003cbr\u003eMarcus by Goldman Sachs\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eMinimum opening despoit\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eMinimum opening despoit\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eMinimum opening despoit\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e$0\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003ctd\u003e$500\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAPY on a 1-year CD\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eAPY on a 1-year CD\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eAPY on a 1-year CD\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003ctd\u003e4.25%\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eRange of terms\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eRange of terms\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eRange of terms\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e3 months - 10 years\u003c/td\u003e\u003ctd\u003e3 months - 5 years\u003c/td\u003e\u003ctd\u003e6 months - 6 years\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/mba008c5a0fe?s1=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Discover\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/lb3d0c2945ff?s1=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Barclays\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723551\u0026amp;tid=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading has-text-align-left\"\u003eFind the best CD for you\u003c/h2\u003e\n\n\n\n\u003cp\u003eUse the widget below to find the CDs with the best rates in your area.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"ed375ef3-c83b-43c1-8a5a-57347a4e9d42\" data-campaign=\"fortune-cds-multi\" data-sub-id=\"cds-multi-cc\"\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"Highest-CD-Rates-by-term-length\"\u003eBest CD Rates by term length\u003c/h2\u003e\n\n\n\n\u003cp\u003eIn most cases, financial institutions will vary the APY of a CD depending on the length of time you’re willing to deposit the money. While this doesn’t always mean you’ll earn a higher rate over a longer term, comparing products by term length is worth it to ensure you’re getting the most bang for your buck. In collaboration with Curinos, we've gathered details on some of the highest CD rates available for common term lengths.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best CD Rates by term length\" aria-label=\"Table\" id=\"datawrapper-chart-DkC95\" src=\"https://datawrapper.dwcdn.net/DkC95/10/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"414\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eSee more CDs by term length\u003c/summary\u003e\n\u003cp\u003eOpen the drawers below to see examples of top rates by term length. Rates are updated daily, however, you should always refer to the institution itself for the most accurate information.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 1-month CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/best-1-month-cds/\"\u003e1-month CD rate\u003c/a\u003e today is 3.67% from Merchants Bank of Indiana.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"1 month CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-Izx63\" src=\"https://datawrapper.dwcdn.net/Izx63/9/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"360\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 3-month CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-3-month-cd-rates/\"\u003e3-month CD rate\u003c/a\u003e today is 4.72% from UMB Bank.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"3 month CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-xR0r2\" src=\"https://datawrapper.dwcdn.net/xR0r2/7/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"281\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 6-month CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-6-month-cd-rates/\"\u003e6-month CD rate\u003c/a\u003e today is 4.95% from Regent Bank.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"6-month CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-Ki4lR\" src=\"https://datawrapper.dwcdn.net/Ki4lR/5/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"324\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 9-month CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-9-month-cd-rates/\"\u003e9-month CD rate\u003c/a\u003e today is 4.45% from Popular Direct.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"9 month CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-LJ28w\" src=\"https://datawrapper.dwcdn.net/LJ28w/5/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"342\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 1-year CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/best-1-year-cd-rates/\"\u003e1-year CD rate\u003c/a\u003e today is 4.90% from Regent Bank.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"1-year CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-mFiN8\" src=\"https://datawrapper.dwcdn.net/mFiN8/7/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"281\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 18-month CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-18-month-cd-rates/\"\u003e18-month CD rate\u003c/a\u003e today is 4.35% from Newtek Bank.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"18 month CD rates (top 20)\" aria-label=\"table\" id=\"datawrapper-chart-PDngi\" src=\"https://datawrapper.dwcdn.net/PDngi/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"734\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 2-year CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-2-year-cd-rates/\"\u003e2-year CD rate\u003c/a\u003e today is 4.29% from First National Bank of America.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"2 year CD rates\" aria-label=\"table\" id=\"datawrapper-chart-dUPeI\" src=\"https://datawrapper.dwcdn.net/dUPeI/9/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"700\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 3-year CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/best-3-year-cd-rates/\"\u003e3-year CD rate\u003c/a\u003e today is 4.10% from Customers Bank.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"3-year CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-xPxmY\" src=\"https://datawrapper.dwcdn.net/xPxmY/6/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"297\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 4-year CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-4-year-cd-rates/\"\u003e4-year CD rate\u003c/a\u003e today is 4.05% from Morgan Stanley.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"4 year CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-dI7ju\" src=\"https://datawrapper.dwcdn.net/dI7ju/9/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"700\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 5-year CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-5-year-cd-rates/\"\u003e5-year CD rate\u003c/a\u003e today is 4.10% from Morgan Stanley.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"5-year CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-Oy8KP\" src=\"https://datawrapper.dwcdn.net/Oy8KP/7/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"279\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 10-year CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-10-year-cd-rates/\"\u003e10-year CD rate\u003c/a\u003e today is 3.76% from First National Bank of America.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"10 year CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-CWDuy\" src=\"https://datawrapper.dwcdn.net/CWDuy/9/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"298\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"current-news\"\u003eCurrent news on CD rates\u003c/h2\u003e\n\n\n\n\u003cp\u003eOver the last two years, CD rates marched higher as the \u003ca href=\"https://fortune.com/recommends/banking/fed-rate-change-history-forecast/\"\u003eFederal Reserve hiked interest rates\u003c/a\u003e and then kept them elevated to help get inflation under control. But now that inflation has cooled, the Fed has changed its tune. The Fed cut rates for the second consecutive time at its meeting on November 7th, 2024, and now \u003ca href=\"https://fortune.com/recommends/banking/will-cd-rates-go-up/\"\u003eCD rates are falling\u003c/a\u003e in response.\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you are thinking about \u003ca href=\"https://fortune.com/recommends/banking/should-you-open-certificate-of-deposit-now-or-wait/\"\u003ejumping into a CD\u003c/a\u003e, you shouldn’t wait too much longer. After the Fed rate decreases, we’re already seeing rates that were above 5.00% APY a month ago now below that threshold. And be wary of any CDs that are near maturity. If you plan to let it renew, make sure you are still getting a good rate. You may want to shop around instead of letting it automatically renew.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eMarket insight\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"We believe that the market will undergo some volatility as we get closer to the election, however, lowering interest rates now—and telegraphing another 50 bps in cuts by the end of this year and a total of 150 bps more by the end of next year—should allow the market to hit all-time highs again by the end of this year, and more gains for next year.\"\u003cbr\u003e\u003cbr\u003e\u003cem\u003e— Chris Zaccarelli, Chief Investment Officer for Independent Advisor Alliance\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003cp\u003eAccording to the \u003ca href=\"https://fortune.com/recommends/banking/what-is-fdic-insurance/\"\u003eFDIC\u003c/a\u003e, the average 12-month CD rate today is 1.88%. However, many banks currently offer rates of 4%–5%, especially for terms under two years. This allows them to attract new customers with high rates, without allowing them to lock in that rate for an extended period of time. \u003c/p\u003e\n\n\n\n\u003cp\u003eOur reserch shows that CD rates for terms of three years or more have been steadily falling over the past six months, and short-term CDs are now dropping quickly as well. Savvy investors may be able to take advantage of the high rates on short term lengths by building a \u003ca href=\"#cd-ladder\"\u003eCD ladder\u003c/a\u003e instead of dumping all their funds into a single long-term CD.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"best-cd-rates\"\u003eThe best CD rates: our top picks*\u003c/h2\u003e\n\n\n\n\u003cp\u003eHere’s our rundown of the top 10 CDs according to \u003ca href=\"#methodology\"\u003eour research\u003c/a\u003e, including the key figures you should know before you open an account.\u0026nbsp;Click on “see more CD rates” to view potential earnings with each institution’s rates and term lengths.\u003c/p\u003e\n\n\n\n\u003cp\u003e*Note: APYs for these institutions are updated daily, but are subject to change. Please refer to the website of each provider for the most up-to-date information.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eSummary\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/alliant-credit-union-review/\"\u003eAlliant Credit Union\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.30%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/first-internet-bank-review/\"\u003eFirst Internet Bank\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.42%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/everbank-review/\"\u003eEverBank\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.15%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eSynchrony:\u003c/strong\u003e Rates up to 4.05%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/marcus-by-goldman-sachs-review/\"\u003eMarcus by Goldman Sachs\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.10%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/mysb-direct-review/\"\u003eMYSB Direct\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.25%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/tab-bank-review/\"\u003eTAB Bank\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.25%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/capital-one-360-review/\"\u003eCapital One 360\u003c/a\u003e: \u003c/strong\u003eRates up to 4.10%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/discover-bank-review/\"\u003eDiscover\u003c/a\u003e: \u003c/strong\u003eRates up to 4.10%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/prime-alliance-bank-review/\"\u003ePrime Alliance Bank\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.50%\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eInstitution\u003c/th\u003e\u003cth\u003eTerm length\u003c/th\u003e\u003cth\u003eAPY*\u003c/th\u003e\u003cth\u003eMinimum opening deposit\u003c/th\u003e\u003cth\u003eSee details\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eDiscover\u003c/td\u003e\u003ctd\u003e12 months\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/mba008c5a0fe?s1=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Discover\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMYSB Direct\u003c/td\u003e\u003ctd\u003e9 months\u003c/td\u003e\u003ctd\u003e4.40%\u003c/td\u003e\u003ctd\u003e$500\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fortune.com/recommends/banking/mysb-direct-review/\"\u003eRead our review\u003c/a\u003e\u003cbr\u003eof MYSB Direct\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eEverBank\u003c/td\u003e\u003ctd\u003e9 months\u003c/td\u003e\u003ctd\u003e4.15%\u003c/td\u003e\u003ctd\u003e$1,000\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fortune.com/recommends/banking/everbank-review/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/banking/everbank-review/\"\u003eRead our review\u003c/a\u003e\u003cbr\u003eof EverBank\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBread Savings\u003c/td\u003e\u003ctd\u003e6 months\u003c/td\u003e\u003ctd\u003e4.70%\u003c/td\u003e\u003ctd\u003e$1,500\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://offers.engine.tech/channelTrackingOfferRedirect/3200ac8a-4100-4a9e-b82b-42ed1aadea62/088da6a0-d4df-4df3-91ee-f0efdc768255?tag.sub_id=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlliant Credit Union\u003c/td\u003e\u003ctd\u003e12 months\u003c/td\u003e\u003ctd\u003e4.25%\u003c/td\u003e\u003ctd\u003e$1,000\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/le0b54109b1f?s1=3390968\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Alliant\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCapital One 360\u003c/td\u003e\u003ctd\u003e12 months\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723557\u0026amp;tid=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSynchrony Bank\u003c/td\u003e\u003ctd\u003e9 months\u003c/td\u003e\u003ctd\u003e\u003cbr\u003e4.05%\u003c/td\u003e\u003ctd\u003e\u003cbr\u003e$0\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723548\u0026amp;tid=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eFirst National Bank of America\u003c/td\u003e\u003ctd\u003e12 months\u003c/td\u003e\u003ctd\u003e4.26%\u003c/td\u003e\u003ctd\u003e$1,000\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings\u0026amp;tag.sub_id=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlly Bank\u003c/td\u003e\u003ctd\u003e9 months\u003c/td\u003e\u003ctd\u003e4.30%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally-ira-cd\u0026amp;tag.sub_id=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003ePopular Direct\u003c/td\u003e\u003ctd\u003e3 months\u003c/td\u003e\u003ctd\u003e4.60%\u003c/td\u003e\u003ctd\u003e$10,000\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723555\u0026amp;tid=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cfigcaption class=\"wp-element-caption\"\u003eThe best CD rates: our top picks*\u003c/figcaption\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"discover\"\u003eDiscover 12-month CD: 4.10% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eDiscover Bank is part of the Discover Financial Services company, which is primarily known for its credit card products. Discover Bank, however, offers a range of other financial services beyond just credit cards, including online deposit account options.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"discover\" class=\"card-title\"\u003eDiscover\u003c/h3\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e \u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.10\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.10%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.50\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.50%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.40\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.40%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Discover_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/mba008c5a0fe?s1=3390968\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Discover\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomers can open a CD with Discover Bank online in a few simple steps. You will be required to provide your address, social security number, and a minimum opening deposit of $0.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\r\n\u0026nbsp;\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nIf you must withdraw funds from your Discover Bank CD before it matures, an early withdrawal penalty will apply. The amount of the penalty will vary depending on the length of your CD:\r\n\r\n\u003cli\u003e\u003cstrong\u003eLess than 1 year:\u003c/strong\u003e 3 months simple interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e1-4 years:\u003c/strong\u003e 6 months simple interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e4-5 years:\u003c/strong\u003e 9 months simple interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e5-7 year:\u003c/strong\u003e 18 months simple interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e7-10 years:\u003c/strong\u003e 24 months simple interest\u003c/li\u003e\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/mba008c5a0fe?s1=3390968\"\u003e \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Discover\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eDiscover has no minimum to open a CD, and it offers a broad range of CDs, with durations of up to 10 years. If you plan to invest in a Discover CD, the short-term options are currently offering better rates than CDs that last many years.\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile Discover is probably best known as a credit card processor, its deposit products are well-rounded and easily accessible. New customers can quickly sign up online (there are no physical branches) and get access to funds at any time through a vast network of over 60,000 ATMs. An extensive online frequently asked questions (FAQs) can help provide answers to common inquiries, and representatives are available by phone 24/7 for more difficult questions.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eDiscover Bank CD rates\u003c/summary\u003e\n\u003cp\u003eBucking the trend of many well-known names in the banking industry, Discover Bank’s CD rates are very competitive. While the $0 minimum deposit may be a downside for many, there’s no denying it provides a decent return on the investment.\u003cbr\u003e\u003cbr\u003eRates below are updated weekly, and end value calculations assume a $0 minimum deposit (as required by the institution).\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Discover Bank CD rates\" aria-label=\"Table\" id=\"datawrapper-chart-x8Ha1\" src=\"https://datawrapper.dwcdn.net/x8Ha1/17/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"596\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Discover Bank\u003c/summary\u003e\n\u003cp\u003eDiscover has no shortage of product offerings for interested customers. Its checking account provides attractive cash back options, its high-yield savings account offers more than five times the national average, and it offers multiple IRA options for retirement planning.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e read our \u003ca href=\"https://fortune.com/recommends/banking/discover-bank-review/\"\u003eDiscover Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"mysb\"\u003eMYSB Direct 9-month CD: 4.40% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eMYSB Direct, a.k.a. M.Y. Safra Bank, is headquartered in New York City and operates a single branch there. Its products include personal checking and savings accounts, lending services, and more.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"mysb\" class=\"card-title\"\u003eMYSB Direct\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $500\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm Length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.25\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.25\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.90\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.90\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.90\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.90\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_M.Y._Safra_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26723529\u0026amp;tid=3390968\" target=\"_blank\" rel=\"noopener\"\u003eView offer at Bankrate\r\n\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nThe minimum deposit for MYSB Direct's CDs is $500 for all its regular CDs and $5,000 for its 13-month no-penalty CD. Customers can apply online for any term length.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\r\nFor all but the no-penalty CD, the penalty is equal to 90 days of interest. If interest during the term is greater than 90 days, the penalty will be equal to all interest earned.\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\n\u0026nbsp;\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26723529\u0026amp;tid=3390968\" target=\"_blank\" rel=\"nofollow noopener\"\u003eView offer at Bankrate\u003c/a\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we picked it\u003c/strong\u003e\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile MYSB Direct doesn’t boast the absolute highest rates on their CDs, they provide a variety of term lengths, allowing you to select a maturity that aligns with your financial goals, plus it has a relatively low minimum opening deposit of $500. MYSB’s 9-month CD is right around some of the highest available today at 4.40%, though—so if you’re in the market for a shorter term length, MYSB could be a solid option.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eMYSB Direct has one physical location in New York City, but you can reach customer service via email or phone. Note that MYSB has one of the heftiest early withdrawal penalties, so be prepared to keep your hands off your money or pay up.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eMYSB CD rates\u003c/strong\u003e\u003c/summary\u003e\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"MYSB Direct CD rates\" aria-label=\"table\" id=\"datawrapper-chart-DMsNd\" src=\"https://datawrapper.dwcdn.net/DMsNd/3/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"613\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from MYSB Direct\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cbr\u003eNo-Penalty CD\u003c/td\u003e\u003ctd\u003e13-month term length\u003cbr\u003e4.75% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMA\u003c/td\u003e\u003ctd\u003e5.25% APY\u003cbr\u003eMinimum daily balance of $5,000 required to earn APY\u003cbr\u003e$10 monthly fee for accounts with less than $5,000\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/mysb-direct-review/\"\u003eMYSB Direct review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"everbank\"\u003eEverBank 9-month CD: 4.15% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eFounded in 1998, EverBank, formerly known as TIAA Bank, is a Jacksonville, Florida-based bank offering CDs, high-yield savings accounts, checking accounts, and more.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"everbank\" class=\"card-title\"\u003eEverBank\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $1,000\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e4.00%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.50%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.50%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2022/10/Everbank_logo-1.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCD accounts can be opened online easily in a few steps. You can send an opening deposit (of at least $1,000) by online transfer, wire transfer, or mail. Customers in Florida can open an account at one of the bank’s eight locations in the state.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\r\n\u0026nbsp;\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nThe early withdrawal penalty is equal to a quarter of the total interest that would have been earned on the principal balance of the account if funds had not been withdrawn prior to the maturity date, such as 91 days of simple interest for a one-year CD.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fortune.com/recommends/banking/everbank-review/\" target=\"_blank\" rel=\"noopener\"\u003eRead review\r\n\u003c/a\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eEverBank stands out because of the wide range of term lengths and solid APYs it offers on its CDs. It offers 10 different term lengths, ranging from three months to five years, so it could be a great option for setting up a \u003ca href=\"#cd-ladder\"\u003eCD ladder\u003c/a\u003e. Customers can get an interest rate of close to 4% or higher on all of its term lengths, but you’ll need to have a bit of a nest egg saved up to invest: the minimum opening deposit is $1,000.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eCustomers living near a physical branch in Florida could have the added benefit of in-person banking at one of the institution’s eight locations. The mobile app is still serviced through TIAA and is rated over four stars on both the Apple and Google platforms. EverBank is part of both the Allpoint and MoneyPass ATM networks, so customers have access to over 100,000 fee-free ATMs.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eEverBank CD rates\u003c/summary\u003e\n\u003cp\u003eMost of EverBank’s CD rates are over 4%, meaning you’ll get a decent return regardless of your term length.\u003c/p\u003e\n\n\n\n\u003cp\u003eEnd value calculations on the table below assume a $1,000 minimum deposit, as required by the bank. Rates are updated weekly but are subject to change.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Everbank CD rates\" aria-label=\"table\" id=\"datawrapper-chart-xalS2\" src=\"https://datawrapper.dwcdn.net/xalS2/5/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"613\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from EverBank\u003c/summary\u003e\n\u003cp\u003eIn addition to a generous amount of CDs, EverBank also offers checking accounts, savings accounts, and MMAs. Someone looking to do all their online banking in one place could take advantage of EverBank’s high rates across its various product offerings.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003e$25 minimum deposit for standard account, $100 for high-yield account\u003cbr\u003eAccess to over 100,000 ATMs\u003cbr\u003eNo monthly fee\u003cbr\u003eUp to 0.45% APY on the Yield account\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSavings accounts\u003c/td\u003e\u003ctd\u003e4.75% APY\u003cbr\u003eNo minimum deposit to open\u003cbr\u003eNo monthly fee\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMAs\u003c/td\u003e\u003ctd\u003e4.3% APY\u003cbr\u003e$0 minimum to open the account\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e read our \u003ca href=\"https://fortune.com/recommends/banking/everbank-review/\"\u003eEverBank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"EverBank is known for its high-yield savings, CDs, and money market accounts that have a fairly low-cost entry point. The Florida-based bank has a CD with excellent APYs, but it is limited in terms of personal banking products beyond these interest-bearing accounts. Also, EverBank is undergoing a new desktop and mobile banking app revamp, so it is currently clunky when compared to banks with more advanced apps, such as having AI-powered assistants.\"\u003cbr\u003e\u003cbr\u003e— \u003cem\u003e\u003ca href=\"https://fortune.com/author/rachel-witkowski/\"\u003eRachel Witkowski\u003c/a\u003e, Fortune Recommends contributor\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"bread\"\u003eBread Savings 6-month CD: 4.70% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eBread Savings, formerly Comenity Direct Bank, is an online bank—part of Bread Financial—that offers CDs ranging from one to five years and a high-yield savings account.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"popular-direct\" class=\"card-title\"\u003eBread Savings\u003c/h3\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $1,500\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e4.30%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.90%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.85%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3495515 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eAll CDs can be opened online\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003eLess than 1 year: 90 days’ simple interest\r\n1 to 3 years: 180 days’ simple interest\r\n4 years or greater: 365 days simple interest\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhile its opening deposit is above $1,000, Bread Savings offers its customers competitive APYs on its one-, three-, and five-year CDs. However, accountholders should be aware of fees charged for outgoing wire transfers, official check requests, and paper statement fees.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBread Savings is a digital bank. If customers need help, they can call or send a secure message through its banking portal.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBread Savings CD rates\u003c/summary\u003e\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Bread Savings CD Rates \" aria-label=\"Table\" id=\"datawrapper-chart-yRcxS\" src=\"https://datawrapper.dwcdn.net/yRcxS/17/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"558\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Bread Savings\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eHigh-yield savings account\u003c/td\u003e\u003ctd\u003e4.65% APY\u003cbr\u003e$100 minimum deposit to open\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/bread-savings-review/\"\u003eBread Savings review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alliant\"\u003eAlliant Credit Union 12-month CD: 4.25% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eFounded in 1935, Alliant Credit Union is a not-for-profit credit union that offers deposit accounts—savings accounts and \u003ca href=\"https://fortune.com/recommends/banking/what-is-a-share-certificate/\"\u003eshare certificates\u003c/a\u003e—and lending products like auto loans and mortgages.\u003c/p\u003e\n\n\n\n\u003cp\u003eMembership eligibility is extended to current or former employees of Alliant’s partner organizations, or residents or workers in a Chicago-area community. You can also become a member by becoming an Alliant Credit Union Foundation digital inclusion advocate.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"alliant\" class=\"card-title\"\u003eAlliant Credit Union\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $1,000\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year certificate\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.25\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.25\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year certificate\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.65\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.65\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year certificate\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.65\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.65\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Alliant_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/le0b54109b1f?s1=3390968\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Alliant\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nInterested customers must join Alliant Credit Union as a member, which requires a $5 minimum balance in a savings account and qualifying membership activity. Customers can join Alliant Credit Union in several ways:\r\n\u003cli\u003eEmployment with a partner organization\u003c/li\u003e\r\n\u003cli\u003eRelationship with a current member\u003c/li\u003e\r\n\u003cli\u003eResidence or employment near corporate headquarters in Chicago\u003c/li\u003e\r\n\u003cli\u003eBecoming an Alliant Credit Union Foundation digital inclusion advocate (most popular method for nonlocal members)\u003c/li\u003e\r\n\r\n\u003cbr\u003e Non-U.S. citizens may also join Alliant Credit Union if they have a Social Security number or unexpried individual taxpayer identification number (ITIN).\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nWhile Alliant Credit Union does allow members to make withdrawals on interest before the term ends, it does not allow withdrawals of the principal amount. If a member wishes to withdraw the principal before the end of the term or close the certificate, a penalty fee will be assessed. Exact amounts of these penalties are not specified in the account disclosures.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/le0b54109b1f?s1=3390968\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Alliant\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we picked it\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eAlliant made our list because of its solid APYs and variety of customer support options. It offers one of the best one-year CD rates on our list, coming in at 4.30%. While credit unions often have strict requirements that make membership a challenge, this one makes the process as simple as submitting an application that isn’t much more complex than the standard account opening process at a traditional bank.\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you choose Alliant as your financial home, it’s a digital credit union that doesn’t provide access to physical branch locations. Thankfully, it’s also a member of a vast surcharge-free ATM network with over 80,000 ATMs across the country. The mobile app makes it easy to keep tabs on your finances from anywhere, and both the app and the institution’s physical debit and credit cards feature top-notch security enhancements.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn the habit of popping into your local branch to ask questions? Don’t worry—you can contact a representative anytime, 24/7, via email, chat, or phone. This level of access to customer support is a huge boon to many customers, making it easy to report a lost card, submit a travel notification, or get clarity on any questions you may have.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAlliant Credit Union CD rates\u003c/summary\u003e\n\u003cp\u003eAlliant Credit Union offers a solid range of CD terms that provide flexibility for customers who may want to build a CD ladder or want to explore their options.\u003c/p\u003e\n\n\n\n\u003cp\u003eRates below are updated weekly, and end value calculations assume a $1,000 minimum deposit (as required by the institution).\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Alliant Credit Union CD rates\" aria-label=\"Table\" id=\"datawrapper-chart-dTXFC\" src=\"https://datawrapper.dwcdn.net/dTXFC/12/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"485\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Alliant Credit Union\u003c/summary\u003e\n\u003cp\u003eCDs aren’t the only banking product where Alliant Credit Union offers stellar rates. The institution also provides free checking and savings accounts for personal use, and the rates far exceed those of many competitors.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003e0.25% APY\u003cbr\u003eNo monthly service fee\u003cbr\u003eNo overdraft fees\u003cbr\u003eNo minimum balance requirement\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSavings accounts\u003c/td\u003e\u003ctd\u003e3.10% APY\u003cbr\u003eNo monthly fee with eStatements\u003cbr\u003e$100 minimum balance\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCredit cards\u003c/td\u003e\u003ctd\u003eVisa-branded\u003cbr\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/\"\u003eCash back\u003c/a\u003e and \u003ca href=\"https://fortune.com/recommends/credit-cards/best-balance-transfer-credit-cards/\"\u003ebalance transfer\u003c/a\u003e options available\u003cbr\u003eNo annual fees\u003cbr\u003eCompatible with Google Pay, Apple Pay, and Samsung Pay\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e read our \u003ca href=\"https://fortune.com/recommends/banking/alliant-credit-union-review/\"\u003eAlliant Credit Union review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"capone\"\u003eCapital One 360 12-month CD: 4.10% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eCapital One is one of the largest banks in the country, headquartered in Virginia with a strong online presence as well as some physical branches across the country. Its online banking division is known as Capital One 360 and offers a host of products, such as checking accounts, CDs, and high-yield savings accounts.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capone\" class=\"card-title\"\u003eCapital One 360\u003c/h3\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e \u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.10\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.10%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.60\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.60%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.50\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.50%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26723557\u0026amp;tid=3390968\" target=\"blank\" rel=\"nofollow noopener noreferrer\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nWith a $0 opening deposit, Capital One 360 can be opened online—the website states the application process takes about five minutes—or at one of the bank’s 280-plus locations around the country. \r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003cli\u003eFor a CD with a 12-month or shorter term, the penalty is three months of interest, regardless of when you redeem the account prior to maturity.\u003c/li\u003e\r\n\u003cli\u003eFor a CD with a term greater than 12 months, the penalty is six months of interest regardless of when you redeem the account prior to maturity.\u003c/li\u003e\r\n\u003cbr\u003eDepending on how early you redeem your CD, the penalty for early redemption may be greater than the interest you have earned on your account.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26723557\u0026amp;tid=3390968\" target=\"blank\" rel=\"nofollow noopener noreferrer\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhether you’re looking for a place to park your money for a few months or years, Capital One has you covered. The bank offers CDs with durations ranging from 6–60 months, and there’s no minimum opening deposit. Plus, if you really need your cash before the CD’s term is up, there’s a modest early withdrawal penalty of three months’ interest on term lengths less than a year and six months’ interest on term lengths over a year.\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you’re comfortable banking online and want all your accounts in one place, Capital One 360 could be a decent option. Compared to other large financial institutions, its rates are quite competitive with other online-only banks. The app is generally well-rated, and live support is available seven days a week from 8 a.m. to 11 p.m. Eastern time.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCapital One 360 CD rates\u003c/summary\u003e\n\u003cp\u003eCapital One 360 is one of few institutions that requires no minimum deposit to open and maintain a CD. We’ve calculated how much you could earn if you put $500 into its CDs at each term length.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Capital One CD rates\" aria-label=\"table\" id=\"datawrapper-chart-Ix7do\" src=\"https://datawrapper.dwcdn.net/Ix7do/4/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"613\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Capital One 360\u003c/summary\u003e\n\u003cp\u003eCapital One is best known for its credit cards but, in addition to its CD offerings, it also provides checking and savings accounts.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003eNo minimum to open or maintain the account\u003cbr\u003eNo monthly fees\u003cbr\u003eNo overdraft fees\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSavings accounts\u003c/td\u003e\u003ctd\u003e3.90% APY\u003cbr\u003e$0 minimum deposit to open\u003cbr\u003eNo monthly fees\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCredit cards\u003c/td\u003e\u003ctd\u003eFrom credit building, cash back rewards, travel rewards, and business cards, Capital One likely has a card to suit your needs.\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e read our \u003ca href=\"https://fortune.com/recommends/banking/capital-one-360-review/\"\u003eCapital One 360 review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"synchrony\"\u003eSynchrony Bank 9-month CD: 4.05% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eSynchrony, once a part of General Electric Company, is now an independent bank offering a host of products like savings accounts, credit cards, and more.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"synchrony\" class=\"card-title\"\u003eSynchrony\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $0\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.10\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.10\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.75\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.75\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.00\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.00\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Synchrony_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26723548\u0026amp;tid=3390968\" target=\"blank\" rel=\"nofollow noopener noreferrer\"\u003eView offer at Bankrate\r\n\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nThe regular CDs, bump-up CD, and no-penalty CD can all be opened online.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalty\u003c/label\u003e\r\n\r\nTerms of 12 months or less: 90 days of simple interest at the current rate\r\nTerms of more than 12 months but less than 48 months: 180 days of simple interest at the current rate\r\nTerms of 48 months or more: 365 days of simple interest at the current rate\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\n\u0026nbsp;\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26723548\u0026amp;tid=3390968\" target=\"blank\" rel=\"nofollow noopener noreferrer\"\u003eView offer at Bankrate\r\n\u003c/a\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eRegardless of what type of CD you’re looking for, Synchrony Bank has you covered—you’ll have a choice between traditional CDs, a bump-up CD, and a no-penalty CD. To get the most bang for your buck, opt for the 6-month CD, which offers a 3.90% APY.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWith no minimum deposit requirement, Synchrony could be a good choice for a saver with any amount to put away. Even its longer terms of four and five years have decent APYs at 4.00%, which could make it a nice option for those wanting to build out a \u003ca href=\"https://fortune.com/recommends/banking/what-is-a-cd-ladder/\"\u003eCD ladder\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile it doesn’t currently offer a checking account, Synchrony’s other deposit products also have decent APYs, so if you’re looking to open multiple new accounts, Synchrony could be worth checking out.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo get in touch with customer service, you can do so via phone call, live chat, or email.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eSynchrony Bank CD rates\u003c/summary\u003e\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Synchrony Bank CD rates\" aria-label=\"table\" id=\"datawrapper-chart-Ej13p\" src=\"https://datawrapper.dwcdn.net/Ej13p/7/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"613\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Synchrony Bank\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eHigh-yield savings account\u003c/td\u003e\u003ctd\u003e4.65% APY\u003cbr\u003eNo minimum balance requirement\u003cbr\u003eATM access available\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMoney market accounts\u003c/td\u003e\u003ctd\u003e2.25% APY\u003cbr\u003eNo minimum balance requirement\u003cbr\u003eOptional ATM card available\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Read our \u003ca href=\"https://fortune.com/recommends/banking/synchrony-bank-review/\"\u003eSynchrony Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"first-national\"\u003eFirst National Bank of America 12-month CD: 4.26\u003c/h2\u003e\n\n\n\n\u003cp\u003eFounded in 1955, First National Bank of America (FNBA) offers a handful of banking products, such as checking and savings accounts, CDs, and mortgages. While FNBA only has a few physical branches in the state of Michigan, its online banking is available nationwide.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"marcus\" class=\"card-title\"\u003eFirst National Bank of America (FNBA)\u003c/h3\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $1,000\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e4.26%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.90%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.83%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_National_Bank_Of_America_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings\u0026amp;tag.sub_id=3390968\" target=\"blank\" rel=\"nofollow noopener noreferrer\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nPersonal CDs may be opened online, and customers must provide basic personal information to open the account. A minimum opening deposit of $1,000 is required.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003e\u003cb\u003e1–11 months:\u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e 90 days of interest\u003c/span\u003e\u003c/li\u003e\r\n \t\u003cli\u003e\u003cb\u003e12–23 months:\u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e 180 days of interest\u003c/span\u003e\u003c/li\u003e\r\n \t\u003cli\u003e\u003cb\u003e24–47 months: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e360 days of interest\u003c/span\u003e\u003c/li\u003e\r\n \t\u003cli\u003e\u003cb\u003e48–59 months:\u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e 540 days of interest\u003c/span\u003e\u003c/li\u003e\r\n \t\u003cli\u003e\u003cb\u003e60–84 months: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e540 days of interest\u003c/span\u003e\u003c/li\u003e\r\n \t\u003cli style=\"list-style-type: none;\"\u003e\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings\u0026amp;tag.sub_id=3390968\" target=\"blank\" rel=\"nofollow noopener noreferrer\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eThough FNBA’s minimum opening deposit requirement of $1,000 may be steep for some, you’ll get a generous APY in return: Most of their CDs have APYs that top 4.10%. Customers can also opt for a partial withdrawal of their funds—though you could get hit by an early withdrawal penalty for doing so. Interest compounds quarterly, and you will receive a maturity notice by mail 30 days prior to your CD’s maturity date.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you take no action, your entire CD will roll over into a new account of the same term length at the current rate for that term. Otherwise, you have the option to use all or some of the money to fund a new CD or withdraw your funds. There is a 10-day grace period to take action after your CD matures.\u003c/p\u003e\n\n\n\n\u003cp\u003eFNBA’s customer service is available via phone or online request.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eFirst National CD rates\u003c/summary\u003e\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"First National Bank of America (FNBA) CD rates\" aria-label=\"table\" id=\"datawrapper-chart-jM8Ta\" src=\"https://datawrapper.dwcdn.net/jM8Ta/4/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"615\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from FNBA\u003c/summary\u003e\n\u003cp\u003eFNBA also offers personal checking, savings, and IRAs, as well as business accounts.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003e$100 minimum to open\u003cbr\u003eOnline accounts available\u003cbr\u003eInterest-bearing HomeTowne Checking is available to those near a physical branch\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSavings accounts\u003c/td\u003e\u003ctd\u003eBasic account requires a $100 minimum top open and $199 average daily balance to avoid fees\u003cbr\u003eHigh-yield savings requires a $1,000 minimum opening deposit and $1,000 balance to avoid monthly fees\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eIRAs\u003c/td\u003e\u003ctd\u003eBoth traditional and Roth IRAs available\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-national-bank-of-america-review/\"\u003eFNBA review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"ally\"\u003eAlly Bank 12-month CD: 4.10% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eAlly Bank is an online-only bank offering savings accounts, a \u003ca href=\"https://fortune.com/recommends/investing/best-robo-advisors/\"\u003erobo-advisor\u003c/a\u003e service, checking, savings, mortgage, \u003ca href=\"https://fortune.com/recommends/loans/best-personal-loans/\"\u003epersonal loans\u003c/a\u003e, auto lending products, and more. Its CD terms range from three months to five years.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"ally\" class=\"card-title\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723544\u0026amp;tid=desktop-3390968-1_amcid-BzpFVFZsgr2VJFAEl7gx7\" rel=\"nofollow noopener noreferrer\"\u003eAlly Bank\u003c/a\u003e\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $0\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e4.10\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.50\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.50\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3495515 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Ally-Bank-Logo.jpg\" width=\"100\" height=\"100\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26723544\u0026#038;tid=3390968\" target=\"_blank\" rel=\"noopener\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\u003c/label\u003e\u0026nbsp;\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nAlly Bank doesn’t have any physical branches, so all accounts must be opened online. Creating a profile takes a few minutes and opening a CD account does not require a specific minimum deposit amount.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nAlly Bank does not allow partial withdrawals, so if you must tap into your CD before its maturity date you will receive your entire initial deposit and any interest gained, minus applicable early withdrawal penalties. These penalties vary depending on your CD’s term length:\r\n\u003cli\u003e\u003cstrong\u003eUp to 2 years:\u003c/strong\u003e 60 days of interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e2-3 years:\u003c/strong\u003e 90 days of interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e3-4 years:\u003c/strong\u003e 120 days of interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e4-plus years:\u003c/strong\u003e 150 days of interest\u003c/li\u003e\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26723544\u0026#038;tid=3390968\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eAlly’s CD offerings give savers a wide range of term options. With an $0 minimum opening deposit, you can decide how much you’re ready to save. If you tap your money early, you also don’t have to worry about significant withdrawal penalties. They’ll still apply but are much lower than many competitors.\u003c/p\u003e\n\n\n\n\u003cp\u003eAlly Bank is a fully online institution with no physical branches, which means your funds are always easily accessible on the mobile app. You can access your cash for free at one of over 43,000 Allpoint ATMs around the country or receive a reimbursement of up to $10 per statement cycle if you must use an ATM from a different network. Ally also offers customers 24/7 phone, chat, and email support so you can get help anytime you need it.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAlly Bank CD rates\u003c/summary\u003e\n\u003cp\u003eWhile Ally Bank doesn’t have a required minimum deposit, you’ll need to supply a reasonable amount of funding to see a decent return on investment. Rates below are updated weekly, and end value calculations assume a $1,000 minimum deposit.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Ally Bank Standard CD rates\" aria-label=\"table\" id=\"datawrapper-chart-9TJOc\" src=\"https://datawrapper.dwcdn.net/9TJOc/5/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"599\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Ally Bank\u003c/summary\u003e\n\u003cp\u003eAlly Bank prides itself on offering a multitude of products, most of which have no monthly fees or minimum deposit requirements. Customers can do most or all of their banking in one place, with products ranging from everyday checking and savings accounts to long-term retirement planning and event mortgages.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003e0.25% APY\u003cbr\u003eNo monthly fees or overdraft fees\u003cbr\u003eGet paid up to two days early with direct deposit\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSavings accounts\u003c/td\u003e\u003ctd\u003e3.85% APY\u003cbr\u003eNo minimum deposit to open\u003cbr\u003eNo monthly fees\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMAs\u003c/td\u003e\u003ctd\u003e3.85% APY\u003cbr\u003e$0 minimum opening deposit\u003cbr\u003eNo monthly fees or overdraft fees\u003cbr\u003eInterest compounds daily\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eOther\u003c/td\u003e\u003ctd\u003eCash back credit cards\u003cbr\u003eAutomated and self-directed investing\u003cbr\u003eMortgages\u003cbr\u003eAuto loans\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Read our\u003ca href=\"https://fortune.com/recommends/article/ally-bank-review/\"\u003e Ally Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"popular\"\u003ePopular Direct 3-month CD: 4.60% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003ePopular Direct is the online banking of Popular Bank, the New York-based banking subsidiary of Popular, Inc. Popular, Inc. is a publicly traded, full-service bank and is one of the 50 largest U.S. banks in terms of assets.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"popular-direct\" class=\"card-title\"\u003ePopular Direct\u003c/h3\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $10,000\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-month CD\u003c/td\u003e\r\n\u003ctd\u003e4.60%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e6-month CD\u003c/td\u003e\r\n\u003ctd\u003e4.45%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e18-month CD\u003c/td\u003e\r\n\u003ctd\u003e4.10%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3495515 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Popular_Direct_logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003ePopular Direct has a higher minimum deposit rate of $10,000.\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003eTerms less than 91 days: 89 days simple interest.\r\nTerms equal to or greater than 91 days but less than 12 months: 120 days simple interest.\r\nTerms equal to or greater than 12 months but less than 36 months: 270 days simple interest.\r\nTerms equal to or greater than 36 months but less than 60 months: 365 days simple interest.\r\nTerms equal to or greater than 60 months: 730 days simple interest.\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26723555\u0026amp;tid=3390968\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhile it has a higher minimum deposit requirement of $10,000, all of Popular Direct’s CDs offer generous APYs. While its highest APY of 4.60% is on its 3-month CD, its 12- and 18-month CDs offer 4.25% and 4.10%, respectively. So whether you’re looking for a short-term or a longer-term place to store your money, Popular Direct could be a decent option as long as you have the starting capital.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003ePlus, Popular Direct offers comprehensive customer support. It can be reached by phone from 7:30 a.m. to 12:00 a.m. Monday through Friday, and Saturday and Sunday from 9:00 a.m. to 6:00 p.m. EST. It also has a very thorough self-help section on its website.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003ePopular Direct CD rates\u003c/summary\u003e\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Popular Direct CD Rates\" aria-label=\"table\" id=\"datawrapper-chart-72J7X\" src=\"https://datawrapper.dwcdn.net/72J7X/3/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"571\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Popular Direct\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cbr\u003eHigh-yield savings account\u003c/td\u003e\u003ctd\u003e4.6% APY\u003cbr\u003eMinimum deposit of $100\u003cbr\u003e$100 required to earn APY\u003cbr\u003eNo monthly fee\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/popular-direct-review/\"\u003ePopular Direct review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003chr class=\"wp-block-separator has-alpha-channel-opacity\"/\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eCD rates from popular banks\u003c/h2\u003e\n\n\n\n\u003cp\u003eIf you don’t recognize many of the names listed above, don’t be alarmed—there’s a simple explanation. CDs are a type of deposit account that, on their own, don’t provide a large source of income for major financial institutions. Well-known names, such as Chase, PNC, and US Bank, don’t rely on CDs to grow their customer base and, therefore, they don’t offer large incentives to sign up for them. In many cases, they’d rather procure customers who use more profitable products, such as loans and credit cards.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTherefore, CD rates at these banks are often far lower than what you can find with a small regional bank or online institution. Take a look at these 12-month CDs:\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eAmerican Express\u003c/td\u003e\u003ctd\u003e3.85%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlliant Credit Union\u003c/td\u003e\u003ctd\u003e4.25%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCapital One\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eFirst Internet Bank\u003c/td\u003e\u003ctd\u003e4.42%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eChase\u003c/td\u003e\u003ctd\u003e0.01%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eEverbank\u003c/td\u003e\u003ctd\u003e4.00%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eDiscover\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMarcus by Goldman Sachs\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlly Bank\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eEvergreen Bank\u003c/td\u003e\u003ctd\u003e-%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003ePNC Bank\u003c/td\u003e\u003ctd\u003e0.02%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMerrick Bank\u003c/td\u003e\u003ctd\u003e4.30%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBank of America\u003c/td\u003e\u003ctd\u003e0.03%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBarclays\u003c/td\u003e\u003ctd\u003e4.25%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003cp\u003eWhile all banking institutions factor \u003ca href=\"#current-news\"\u003eFed\u003c/a\u003e decisions into their rate structures, it’s not the only criterion. Banks also evaluate their target market, consider the economic outlook of that market, and create product offerings accordingly. You certainly can pick up a CD at most major banks in the U.S. but, in many cases, the only reason to do so would be if your priority is keeping all of your banking in one spot. With a bit of research, you can often score higher rates as long as you’re not opposed to holding accounts at multiple institutions.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eCan you get a CD rate over 5%?\u003c/h2\u003e\n\n\n\n\u003cp\u003eIt is currently possible to find a certificate of deposit (CD) rate over 5%. Interest rates generally fluctuate depending on changes in the \u003ca href=\"https://fortune.com/recommends/banking/what-is-the-federal-funds-rate/\"\u003efederal funds rate\u003c/a\u003e. Over the past several months, rates have remained high as the Federal Reserve has kept the interest rate between 5.25%–5.5%. Banks are willing to offer higher CD rates when the federal rate is high because CDs are an ideal deposit product that are not easily the way that checking and savings accounts are.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eCD rates tend to fall when the Fed lowers its target interest rate, which it has hinted at doing before the end of the year. If you want to lock in a CD rate above 5%, now could be an excellent time to pull the trigger.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIt's important to note that while there are a few exceptions, most CD rates over 5% are tied to a 12-month, 18-month, or two-year term (and the ones with shorter term lengths require high initial deposits). This means that if you withdraw your funds before the term is up, you may incur early withdrawal penalties that forfeit a large portion of the accrued interest. Before you commit to a CD, make sure you can live without access to those funds for the designated time period.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"Most CDs typically auto-renew at whatever the current rate is, which might be something you don't want. Your bank should send you a reminder but, just in case, I set up alerts on my calendar right before CD maturity to remind myself to close or renew the account.\" — \u003cem\u003e\u003ca href=\"https://fortune.com/author/kristy-snyder/\" data-type=\"link\" data-id=\"https://fortune.com/author/kristy-snyder/\"\u003eKristy Snyder\u003c/a\u003e, personal finance expert and Fortune contributor\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"complete-guide\"\u003eComplete guide to CDs\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere are several terms and strategies you should familiarize yourself with in order to develop a CD strategy that works well for you. Here are some of the basics:\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat is a certificate of deposit?\u003c/h3\u003e\n\n\n\n\u003cp\u003eWith CDs, or \u003ca href=\"https://fortune.com/recommends/banking/what-is-a-certificate-of-deposit/\"\u003ecertificates of deposit\u003c/a\u003e, customers receive a fixed interest rate in exchange for tying up their money for a fixed period. Interest is typically paid on a regular basis, either daily, monthly, or quarterly.\u003c/p\u003e\n\n\n\n\u003cp\u003eAfter a CD reaches maturity—or the end of its term—you can withdraw the money you deposited initially, plus any earned interest. If you tap your money before the CD’s term is up, most CDs charge an \u003ca href=\"https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/\"\u003eearly withdrawal penalty\u003c/a\u003e, which is usually worth a few days or months of interest.\u003c/p\u003e\n\n\n\n\u003cp\u003eTypically, upon maturity, your CD is automatically renewed automatically. If you don’t want to roll over your money into a new CD, you’ll usually be given a grace period during which you can choose to withdraw your funds.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat is considered a good CD rate?\u003c/h3\u003e\n\n\n\n\u003cp\u003eA \"good\" CD rate can be somewhat subjective. That's because you need to strike a balance between the best rate available and the longest amount of time you can afford to keep your money tied up. For example, if you find a CD offering 5% APY, but it requires you to keep your money on deposit for five years, the interest rate may not be worth it. You might need your money sooner or rates could go higher while you're stuck earning a lower return.\u003c/p\u003e\n\n\n\n\u003cp\u003eGenerally, a CD rate that's above the national average is a solid choice. Before \u003ca href=\"https://fortune.com/recommends/banking/are-cds-worth-it-right-now/\"\u003edeciding if a CD is worth it\u003c/a\u003e, compare accounts from multiple banks and see which one offers the highest rate for the term length you want.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eHow are CD rates determined?\u003c/h3\u003e\n\n\n\n\u003cp\u003eCD rates are set by your individual bank or financial institution. Although, there are several factors that can influence these rates. This includes the length of your CD term (longer-term CDs usually offer higher rates than shorter-term ones) and type of CD, the amount of your initial deposit (some CDs offer tiered interest rates), benchmark interest rates set by the Federal Reserve, and temporary promotional offers offered by your financial institution.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat is the APY on a CD?\u003c/h3\u003e\n\n\n\n\u003cp\u003eAPY stands for \"annual percentage yield.\" It's a way to calculate the total amount of interest that you can earn on an investment such as a CD in one year, taking into account the effect of compounding interest.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe APY of a CD will depend on the interest rate offered by the bank or financial institution, the frequency of compounding (daily, monthly, annually, and so on), and the length of the term of the CD.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"cd-ladder\"\u003eWhat are CD ladders and how do they work?\u003c/h3\u003e\n\n\n\n\u003cp\u003eFor savers who are on the fence about locking away their funds in a CD for an extended amount of time, you’re not alone. While some CDs offer terms that are just a few months long, other CDs take years to mature—usually, you earn a higher rate with these CDs, but you’ll have to part with your money for longer.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOne way to score the benefits of both short and long-term CDs is to set up a \u003ca href=\"https://fortune.com/recommends/banking/what-is-a-cd-ladder/\"\u003eCD ladder\u003c/a\u003e. This is a\u003ca href=\"https://fortune.com/recommends/banking/how-to-save-money/\"\u003e savings strategy\u003c/a\u003e where you split your savings between several CDs of varying maturities.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eHere’s how a CD ladder works: If you want to invest $3,000, you would invest $1,000 each in three CDs of staggering maturities—let’s say \u003ca href=\"https://fortune.com/recommends/banking/best-1-year-cd-rates/\"\u003eone-year\u003c/a\u003e, two-year, and three-year. When each CD matures, you reinvest that money in a 3-year CD. That way you have access to cash every year.\u0026nbsp;\u0026nbsp;\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"If you want to earn interest on your cash but also need to maintain liquidity for emergencies or opportunities, consider creating a CD ladder. Once established, this rolling savings vehicle allows you to earn competitive interest on your cash while also keeping a portion of your savings accessible at regular intervals.\" — \u003cem\u003e\u003ca href=\"https://fortune.com/author/stephanie-colestock/\"\u003eStephanie Colestock\u003c/a\u003e, Fortune contributor\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eDo I have to pay taxes on CD interest?\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you opt for a CD as your primary savings vehicle, you should be aware that interest earned on the funds you deposit is considered \u003ca href=\"https://fortune.com/recommends/investing/how-is-interest-income-taxed/\"\u003etaxable interest\u003c/a\u003e by the IRS. The interest you earn is subject to federal and state income tax.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYour financial institution will typically send you a 1099-INT statement for any interest earned over $10, and the amount you owe will depend on how much interest you’ve earned and your tax bracket.\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you withdraw funds from your CD early, you can also expect to see those penalties on your 1099-INT form.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eIs a certificate of deposit considered a safe investment?\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/banking/are-cds-safe/\"\u003eCertificates of deposit are considered safe\u003c/a\u003e investments so long as they are helped by FDIC- or NCUA-insured financial institutions which insure your deposits up to $250,000 per depositor, per bank, for each account ownership category or up to $250,000 per share owner, per insured credit union, for each account ownership category.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eTypes of CDs\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere are various \u003ca href=\"https://fortune.com/recommends/banking/which-cd-should-i-choose/\"\u003etypes of CDs\u003c/a\u003e you can choose from depending on how much money you’d like to deposit into your CD, whether you’d prefer to have access to your money before maturity, and more. A few of the most common types of CDs include:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBrokered CDs\u003c/summary\u003e\n\u003cp\u003eBrokered CDs are purchased and sold through a brokerage account rather than through a bank or credit union.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThese CDs are usually issued by banks and then sold to brokerages, which then offer them to customers at higher APYs than traditional CDs.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou’ll also get greater flexibility with a brokered CD: Rather than pay an early withdrawal penalty, you can access your cash early by selling your brokered CD on a secondary market. However, in doing so you open yourself to interest rate risk.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you sell your brokered CD after interest rates have risen, your CD, with a lower rate, will be less valuable to investors, and you may lose money when you sell it.\u003c/p\u003e\n\n\n\n\u003cp\u003eSome brokered CDs may have a call feature too.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCallable CDs\u003c/summary\u003e\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/banking/what-is-a-callable-cd/\"\u003eCallable CDs\u003c/a\u003e have a call feature that allows the financial institution that issued them to terminate the CD before it reaches maturity. When this happens, the investor keeps the principal and any interest they accrued up to that point.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTypically, a financial institution calls a CD when interest rates drop because it can offer lower interest rates on newly issued CDs. After your CD is called, you’ll have to reinvest your funds at a lower rate—this is known as reinvestment risk. Due to this risk, callable CDs usually offer higher APYs than CDs without a call feature.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBump-up CDs\u003c/summary\u003e\n\u003cp\u003eWith a bump-up CD, you can request an APY on your CD if interest rates rise after you've opened your account. Typically, you’ll be eligible to increase the rate on your CD once or twice during the term.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eNo-penalty CDs\u003c/summary\u003e\n\u003cp\u003eThis type of CD does not charge a penalty for withdrawing funds before your CD reaches maturity. This type of CD is less common than other CD types and may also offer lower APYs than traditional CDs.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eCompare: \u003c/strong\u003e\u003ca href=\"https://fortune.com/recommends/banking/no-penalty-cd-vs-savings-account/\"\u003eNo-penalty CDs vs. savings accounts\u003c/a\u003e\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eJumbo CDs\u003c/summary\u003e\n\u003cp\u003eJumbo CDs typically require a minimum opening deposit of at least $100,000 but usually offer higher APYs than traditional CDs.\u0026nbsp;\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eVariable-rate CDs\u003c/summary\u003e\n\u003cp\u003eWith a variable-rate CD, the APY fluctuates based on the interest rate. These CDs are riskier than traditional CDs because if interest rates drop before the CD reaches maturity, you can receive a lower interest rate.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-choose\"\u003eHow to choose the best CD\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eEvery CD is a little different, so you’ll want to pay close attention to the account features and fine print before deciding \u003ca href=\"https://fortune.com/recommends/banking/traditional-savings-account/\"\u003ewhere to put your savings\u003c/a\u003e. You’ll want to consider a few factors when \u003ca href=\"https://fortune.com/recommends/banking/which-cd-should-i-choose/\"\u003echoosing a CD\u003c/a\u003e:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eTerm length:\u003c/strong\u003e Your CD’s term length tells you how long it takes to mature. CD term lengths can be as short as one week or as long as 10 years. Choose a term length that meets your needs and aligns with your financial goals.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eAPY: \u003c/strong\u003eThe annual percentage yield on your account significantly affects how much your money will grow. The higher the rate, the more you can expect to earn in interest. Typically, the best CD rates are applied to longer term lengths.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum deposit:\u003c/strong\u003e Most, but not all, banks and credit unions require that you invest a minimum amount of money to open a CD. The minimum opening deposit can range from a few dollars to thousands. Most CDs require depositing a lump sum and don’t allow additional contributions. Make sure you can meet the minimum opening deposit requirement.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003ePenalties:\u003c/strong\u003e Not all CDs carry \u003ca href=\"https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/\"\u003eearly withdrawal penalties\u003c/a\u003e, but if yours does, you could lose out on your earned interest and some of your principal balance. You may not be able to plan for an early withdrawal, but it’s good to know the penalty if you need to touch your money early.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eDeposit insurance:\u003c/strong\u003e \u003ca href=\"https://fortune.com/recommends/article/credit-union-vs-bank/\"\u003eFDIC and NCUA insurance\u003c/a\u003e provides depositors with \u003ca href=\"https://fortune.com/recommends/banking/what-is-fdic-insurance/\"\u003einsurance coverage\u003c/a\u003e if their bank or credit union fails—up to $250,000 per depositor or share owner. Double-check that your account is insured to protect your money if there’s a \u003ca href=\"https://fortune.com/recommends/banking/what-happens-when-a-bank-fails/\"\u003ebank failure\u003c/a\u003e.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eCD calculator: how to determine CD earnings potential\u003c/h3\u003e\n\n\n\n\u003cp\u003eTo \u003ca href=\"https://fortune.com/recommends/banking/how-much-interest-youd-earn-by-investing-10000-in-a-1-year-cd/\"\u003ecalculate your earnings from a CD\u003c/a\u003e, you’ll need to use the following formula: P(1+R/N)(NT) = A. Where “A” represents the value of your CD, including interest. \"P\" is equal to your principal balance or initial deposit. \"R\" represents your yearly interest rate―in this case, it would be your APY. \"N\" represents the compound frequency of your CD in a given year, and \"T\" represents the number of years until your CD’s maturity date. Let’s illustrate this with an example:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eInitial deposit “P” = $500\u003c/li\u003e\n\n\n\n\u003cli\u003eAPY “R” = 5.15%\u003c/li\u003e\n\n\n\n\u003cli\u003eMonthly compound frequency “N” = 12\u003c/li\u003e\n\n\n\n\u003cli\u003eNumber of years until maturity “T” = 1\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eOur equation would turn out like this:\u003c/p\u003e\n\n\n\n\u003cp\u003e500 x ((1+(5.15/12)) x (12 x 1)) = \u003cstrong\u003e$526.37\u003c/strong\u003e\u003c/p\u003e\n\n\n\n\u003cp\u003eSo, if you deposit $500 into a 12-month CD with an interest rate of 5.15% that compounds monthly, you could expect to withdraw about $526 at the end of the term.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo calculate rates accurately, you may need to do a bit of extra math to determine your variables. For example, if the term length is under a year, you’ll need to determine what percentage of “1” to use for the variable “T.” A three-month term would be 0.25, a six-month term would be 0.5, and so forth. Here are more examples that calculate the end value of a CD with a $500 opening deposit and 5% APY:\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group comparison-table-group-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003cfigure class=\"wp-block-table comparison-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eCompounding method\u003c/th\u003e\u003cth\u003eTerm length\u003c/th\u003e\u003cth\u003eFinal value\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMonthly\u003c/td\u003e\u003ctd\u003e6 months\u003c/td\u003e\u003ctd\u003e$512.63\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eDaily\u003c/td\u003e\u003ctd\u003e6 months\u003c/td\u003e\u003ctd\u003e$512.66\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eDaily\u003c/td\u003e\u003ctd\u003e12 months\u003c/td\u003e\u003ctd\u003e$525.63\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMonthly\u003c/td\u003e\u003ctd\u003e12 months\u003c/td\u003e\u003ctd\u003e$525.58\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMonthly\u003c/td\u003e\u003ctd\u003e18 months\u003c/td\u003e\u003ctd\u003e$538.86\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAnnually\u003c/td\u003e\u003ctd\u003e2 years\u003c/td\u003e\u003ctd\u003e$551.25\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"pros-and-cons\"\u003ePros and cons of CDs\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile CDs can be attractive for their high interest rates, they aren’t a perfect fit for everyone. Let’s review some of the \u003ca href=\"https://fortune.com/recommends/investing/pros-and-cons-of-certificates-of-deposit/\"\u003epros and cons\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eHigher APY than other savings vehicles\u003c/li\u003e\n\u003cli\u003eFixed rates\u003c/li\u003e\n\u003cli\u003eFlexible term options\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eReturns not as high as investing in stocks or some other asset classes\u003c/li\u003e\n\u003cli\u003eAPY is locked in and doesn’t account for inflation\u003c/li\u003e\n\u003cli\u003eCDs are illiquid, so you cannot easily access funds without penalties\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alternatives\"\u003eAlternatives to CDs\u003c/h2\u003e\n\n\n\n\u003cp\u003eCDs differ from other \u003ca href=\"https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/\"\u003esavings accounts\u003c/a\u003e in a few key ways. This type of account not only functions differently, but it may be better suited for a certain type of consumer who is saving for a goal with a specific timeline.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eAccess to your savings: \u003c/strong\u003eCDs don’t offer the same level of access to your savings that a \u003ca href=\"https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/\"\u003etraditional savings account\u003c/a\u003e or MMA would. Once you agree to your CD term, your money will sit, untouched, and accrue interest for the duration of your term until your CD hits maturity. Making a withdrawal early would result in an \u003ca href=\"https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/\"\u003eearly withdrawal penalty\u003c/a\u003e.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCDs usually offer higher APYs at a fixed rate: \u003c/strong\u003eOne of the major selling points for a CD account is that, typically, CDs offer a fixed APY at a higher rate than other types of savings vehicles. That means that you’ll be able to take advantage of a higher rate for an extended period of time, and you’ll have the peace of mind knowing that once you’ve locked in your rate, your APY won’t fluctuate during your term in response to external factors, such as federal funds rate increases.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eCDs vs. high-yield savings accounts\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/\"\u003eHigh-yield savings accounts\u003c/a\u003e work in the same way as traditional savings accounts. It’s a deposit account at a credit union or bank that you can use for saving and earning interest on your money—usually at a higher rate. This type of savings account differs from CDs in that they offer greater access to your funds, rather than requiring you to lock away your funds for a set amount of time. As such, there's no penalty for making withdrawals.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Compare \u003ca href=\"https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/\"\u003eCDs vs. savings accounts\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"CDs are some of my favorite savings tools, especially as someone who’s easily tempted to overspend. Being able to 'hide' my savings somewhere that I can’t touch allows me to meet my financial goals better and earn interest in the process.\" \u003cem\u003e— \u003ca href=\"https://fortune.com/author/stephanie-colestock/\" data-type=\"link\" data-id=\"https://fortune.com/author/stephanie-colestock/\"\u003eStephanie Colestock\u003c/a\u003e, Certified Financial Education Instructor (CFEI)\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eCDs vs. money market accounts\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003eMoney market accounts\u003c/a\u003e function as a hybrid between savings accounts and checking accounts. Similar to CDs, these accounts typically offer much higher APYs than checking accounts, but may still offer some of the same features including check writing, debit card access, and the ability to make withdrawals and deposits via ATM. Like a CD, this type of account may also be of interest to savers who have the ability to make a larger opening deposit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eCompare \u003ca href=\"https://fortune.com/recommends/banking/cds-vs-money-market-accounts/\"\u003eCDs vs. money market accounts\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"rates-by-state\"\u003eCD rates by state\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile many banks are available nationwide, there are also hundreds of smaller institutions that may only serve customers in a more localized region. Here are the banks in each U.S. state with the highest CD rates.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Top CD rates by state\" aria-label=\"Table\" id=\"datawrapper-chart-fPvAT\" src=\"https://datawrapper.dwcdn.net/fPvAT/9/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"594\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eView CD rates in:\u003c/strong\u003e\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"https://fortune.com/recommends/banking/cd-rates-california/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/banking/cd-rates-california/\"\u003eCalifornia\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003ca href=\"https://fortune.com/recommends/banking/cd-rates-florida/\"\u003eFlorida\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003ca href=\"https://fortune.com/recommends/banking/cd-rates-new-jersey/\"\u003eNew Jersey\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003ca href=\"https://fortune.com/recommends/banking/cd-rates-new-york/\"\u003eNew York\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003ca href=\"https://fortune.com/recommends/banking/cd-rates-texas/\"\u003eTexas\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003eOur methodology\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Fortune Recommends\u003csup\u003eTM\u003c/sup\u003e team compared CDs from more than 60 major banks, credit unions, and online-only banks. Our top picks are available to customers across the U.S. no matter where you’re located, subject to the terms of each CD.\u003c/p\u003e\n\n\n\n\u003cp\u003eFor our best overall CD rates, we ranked CD products in the following categories and weighted each one as outlined in the percentages below:\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best certificates of deposit: Our methodology\" aria-label=\"pies-title\" id=\"datawrapper-chart-LE4ap\" src=\"https://datawrapper.dwcdn.net/LE4ap/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"465\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eNumber of terms with above-average rates (60%): \u003c/strong\u003eTo determine which banks had the best rates, we looked at whether they offered above-average APYs on a wide range of term lengths.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum deposit requirement (20%):\u003c/strong\u003e To open a CD at any financial institution, the institution will require that you deposit a minimum dollar amount. We thought a lower minimum was preferable and rated banks with lower minimum deposit requirements higher.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eNumber of terms offered (15%): \u003c/strong\u003eWhen you opt for a bank or credit union that offers a wide array of CD terms, you have a greater chance of finding a CD that aligns with your investment horizon. We evaluated financial institutions based on the number of CD terms they provide. Banks with more CD terms ranked higher.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer service (5%):\u003c/strong\u003e Top picks offer customers three ways to get in contact: chat support, by phone, or email. Among the three options, we gave phone support the most weight.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eWe didn’t include brokered CDs on our list, which are riskier because they are sold on the secondary market through brokerages.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eCD rates, fees, and minimum deposit requirements may be limited-time offers, and APYs are subject to change. The FDIC or NCUA insures all the banks and credit unions on this list. Terminating your CD before it matures may incur a penalty fee, which varies by bank and credit union.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eDig deeper:\u003c/strong\u003e learn more about our \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"ed375ef3-c83b-43c1-8a5a-57347a4e9d42\" data-campaign=\"fortune-cds-multi\" data-sub-id=\"cds-multi-cc\"\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"FAQs\"\u003eFrequently asked questions\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWho is paying the highest CD rates right now?\u003c/summary\u003e\n\u003cp\u003eRight now, Quontic, Bask Bank, and Citibank are offering the highest APYs on their 3-month CDs. For savers looking for longer term lengths, Colorado Federal Savings Bank and First National Bank of America are offering high APYs on their 1-year term lengths, at 4.50% and 4.26%, respectively.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eQuontic Bank\u003c/td\u003e\u003ctd\u003e4.95% on a 3-month CD\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBask Bank\u003c/td\u003e\u003ctd\u003e4.65% on a 3-month CD\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCitibank\u003c/td\u003e\u003ctd\u003e4.45% on a 3-month CD\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eUMB Bank\u003c/td\u003e\u003ctd\u003e0.05% on a 3-month CD\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eIn which situation would a certificate of deposit (CD) be the best banking choice? \u003c/summary\u003e\n\u003cp\u003eA CD may be the best banking choice for you if you are saving for a long-term goal with a specific timeline in mind. To avoid early withdrawal penalties or potentially forfeiting any interest earned on the funds in your CD, you want to be sure that you won't need access to your money before your CD's maturity date. \u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCan you add money to a CD? \u003c/summary\u003e\n\u003cp\u003eWhen you invest in a CD, you typically deposit one lump sum and then leave it alone until the account reaches maturity. However, some financial institutions offer special types of \"add-on\" CDs that allow you to deposit additional funds after the initial deposit. The amount and frequency of deposits you're allowed to make depend on the particular account.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow often do current CD rates change?\u003c/summary\u003e\n\u003cp\u003eBanks and credit unions update current CD rates based on market conditions. These rates typically receive an update no more frequently than weekly, although some don't do so for months.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eIs now a good time to lock in a CD?\u003c/summary\u003e\n\u003cp\u003eCD rates are the highest they've been in years, but they're starting to fall with the Fed's rate change. So, yes, it's a good time to put your money in a CD, but hurry if you want to lock in your money at a top rate.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAre CDs FDIC insured?\u003c/summary\u003e\n\u003cp\u003eYes, certificates of deposit are insured by the Federal Deposit Insurance Corp. (FDIC). The FDIC insures all its members’ bank accounts, including savings, money market accounts, and CDs, up to $250,000 per customer per bank. Therefore, in the rare case of a bank failure, your money stays safe. If you take out a CD with a credit union, make sure it’s insured through the National Credit Union Administration (NCUA)—a similar institution to the FDIC that insures credit unions.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy should you put $15,000 into a 1 year CD now?\u003c/summary\u003e\n\u003cp\u003eIf you have $15,000 to lock up for a year in a CD, now could be a good time to do it. CD rates are \u003cem\u003ejust\u003c/em\u003e starting to drop in response to the fed's hints that it'll lower interest rates at least once this year, so if you've been thinking about a CD, now is the time to act.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAre short-term or long-term CD rates better?\u003c/summary\u003e\n\u003cp\u003eGenerally speaking, long-term CDs offer higher interest rates than short-term CDs—think of it as a reward for committing your money for a longer period. However, this is not always the case. When the yield curve inverts, short-term CDs boast higher rates than long-term CDs. Overall, whether it's better to choose a short-term or long-term CD depends on your goals and the current interest rate environment. Learn more about how to invest in CDs in our guide.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAre CDs good during inflation?\u003c/summary\u003e\n\u003cp\u003eCDs can be a good investment when inflation is high, but since interest rates tend to rise and fall with the inflation rate, you might be breaking even when you account for taxes too. For example, when inflation is high, the Federal Reserve will raise interest rates to curb demand and reduce inflation. While you’ll score a higher APY on a CD, the high inflation rate could wipe out most of the returns you get from the CD. Note that since CDs usually offer higher interest rates than checking accounts and traditional savings accounts, CDs can help you better outpace inflation than other deposit accounts. Plus, you can lock in rates with CDs.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\r\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\r\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\r\n\r\n\r\n\r\n\u003cul\u003e\r\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/banking/best-checking-account-bonuses/\"\u003ebest checking account bonuses\u003c/a\u003e can give savers a boost on their balances.\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eMaximize your returns with one of the \u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/\"\u003ebest high-yield savings accounts\u003c/a\u003e.\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/banking/best-savings-accounts/\"\u003ebest savings accounts\u003c/a\u003e earn better returns on your hard-earned cash.\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eCheck out our ranking of the \u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003ebest money market accounts\u003c/a\u003e.\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eBuried in debt? The \u003ca href=\"https://fortune.com/recommends/loans/best-debt-relief-companies/\"\u003ebest debt relief companies\u003c/a\u003e can give you a hand.\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/banking/best-1-year-cd-rates/\"\u003ebest 1-year CD rates\u003c/a\u003e ranking can help you earn a high APY on a 12-month deposit.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e","databaseId":3390968,"dateGmt":"2024-05-10T15:24:36","dek":"","description":"Don’t sleep on these great CD rates—many CDs yield nearly 5% APY. See which CDs made the cut.","faq":[{"answer":"Right now, Quontic, Bask Bank, and Citibank are offering the highest APYs on their 3-month CDs. For savers looking for longer term lengths, Colorado Federal Savings Bank and First National Bank of America are offering high APYs on their 1-year term lengths, at 4.50% and 4.52%, respectively.\n\nQuontic Bank 4.95% on a 3-month CD\nBask Bank 4.90% on a 3-month CD\nCitibank 0.05% on a 3-month CD\nUMB Bank 0.05% on a 3-month CD","question":"Who is paying the highest CD rates right now?","__typename":"FaqField"},{"answer":"A CD may be the best banking choice for you if you are saving for a long-term goal with a specific timeline in mind. To avoid early withdrawal penalties or potentially forfeiting any interest earned on the funds in your CD, you want to be sure that you won't need access to your money before your CD's maturity date.","question":"In which situation would a certificate of deposit (CD) be the best banking choice?","__typename":"FaqField"},{"answer":"When you invest in a CD, you typically deposit one lump sum and then leave it alone until the account reaches maturity. However, some financial institutions offer special types of \"add-on\" CDs that allow you to deposit additional funds after the initial deposit. The amount and frequency of deposits you're allowed to make depend on the particular account.","question":"Can you add money to a CD?","__typename":"FaqField"},{"answer":"Banks and credit unions update current CD rates based on market conditions. These rates typically receive an update no more frequently than weekly, although some don't do so for months.","question":"How often do current CD rates change?","__typename":"FaqField"},{"answer":"CD rates are the highest they've been in years, but they're starting to fall with the Fed's rate change. So, yes, it's a good time to put your money in a CD, but hurry if you want to lock in your money at a top rate.","question":"Is now a good time to lock in a CD?","__typename":"FaqField"},{"answer":"Yes, certificates of deposit are insured by the Federal Deposit Insurance Corp. (FDIC). The FDIC insures all its members’ bank accounts, including savings, money market accounts, and CDs, up to $250,000 per customer per bank. Therefore, in the rare case of a bank failure, your money stays safe. If you take out a CD with a credit union, make sure it’s insured through the National Credit Union Administration (NCUA)—a similar institution to the FDIC that insures credit unions.","question":"Are CDs FDIC insured?","__typename":"FaqField"},{"answer":"If you have $15,000 to lock up for a year in a CD, now could be a good time to do it. CD rates are just starting to drop in response to the fed's hints that it'll lower interest rates at least once this year, so if you've been thinking about a CD, now is the time to act.","question":"Why should you put $15,000 into a 1 year CD now?","__typename":"FaqField"},{"answer":"Generally speaking, long-term CDs offer higher interest rates than short-term CDs—think of it as a reward for committing your money for a longer period. However, this is not always the case. When the yield curve inverts, short-term CDs boast higher rates than long-term CDs. Overall, whether it's better to choose a short-term or long-term CD depends on your goals and the current interest rate environment. Learn more about how to invest in CDs in our guide.","question":"Are short-term or long-term CD rates better?","__typename":"FaqField"},{"answer":"CDs can be a good investment when inflation is high, but since interest rates tend to rise and fall with the inflation rate, you might be breaking even when you account for taxes too. For example, when inflation is high, the Federal Reserve will raise interest rates to curb demand and reduce inflation. While you’ll score a higher APY on a CD, the high inflation rate could wipe out most of the returns you get from the CD. Note that since CDs usually offer higher interest rates than checking accounts and traditional savings accounts, CDs can help you better outpace inflation than other deposit accounts. Plus, you can lock in rates with CDs.","question":"Are CDs good during inflation?","__typename":"FaqField"}],"featuredMediaType":"no_video","floatingNavContent":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#Highest-CD-Rates-by-term-length\"\u003eHighest CD rates by term length\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#current-news\"\u003eCurrent news on CD rates\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#best-cd-rates\"\u003eThe 10 best CD rates overall\u003c/a\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#discover\"\u003eDiscover\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#mysb\"\u003eMYSB Direct\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#everbank\"\u003eEverBank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#bread\"\u003eBread Savings\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#alliant\"\u003eAlliant Credit Union\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#capone\"\u003eCapital One 360\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#synchrony\"\u003eSynchrony Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#first-national\"\u003eFirst National Bank of America\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#ally\"\u003eAlly Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#popular\"\u003ePopular Direct\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#complete-guide\"\u003eComplete guide to CDs\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-choose\"\u003eHow to choose the best CD\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#pros-and-cons\"\u003ePros \u0026amp; cons of CDs\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#alternatives\"\u003eAlternatives to CDs\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#rates-by-state\"\u003eRates by state\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003eOur methodology\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#FAQs\"\u003eFrequently asked questions\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozMzkwOTY4","image":"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?resize=1200,600","imageCaption":"The best CD rates are now well over 5%. ","imageCredit":"Illustration by Tim Boelaars","keywords":"","link":"https://fortune.com/recommends/banking/the-best-cd-rates/","metaTitle":"The 10 best CD rates for November 2024: earn up to 5%","modifiedGmt":"2024-11-26T13:32:04","pageType":"evergreen","platformCD":"recommends","postId":3390968,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"Follow Fortune Recommends on \u003ca href=\"https://www.linkedin.com/showcase/fortunerecommends/\" target=\"_blank\" rel=\"noopener\"\u003eLinkedIn,\u003c/a\u003e \u003ca href=\"https://twitter.com/fortunerecs\" target=\"_blank\" rel=\"noopener\"\u003eX\u003c/a\u003e, and \u003ca href=\"https://www.tiktok.com/@fortunerecs\"\u003eTikTok\u003c/a\u003e.","bylineCommentary":null,"mediaItem":{"altText":"Blue bars surrounded by orange cirlcles","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"Certificates of Deposit (CDs)","primaryTagId":447854074,"link":"https://fortune.com/tag/certificates-of-deposit/","uri":"/tag/certificates-of-deposit/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Banking","primarySectionId":447854038,"link":"https://fortune.com/recommends/banking/","uri":"/recommends/banking/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=150","name":"Cassie Bottorff","role":"Editor, Business \u0026 Banking","shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eCassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. \u003c/span\u003e\u003c/p\u003e\n","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/cassie-bottorff/","twitterUrl":"https://x.com/cassandra_glenn","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/cassie-bottorff/"},"sectionNames":["Banking","CDs"],"sections":[{"name":"Banking","sectionId":447854038,"slug":"banking","__typename":"BrandedArticleClassificationSectionFieldsFields"},{"name":"CDs","sectionId":447863944,"slug":"cds","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"These CDs are FDIC-insured, so you can earn a hefty amount of interest while keeping your money safe.","socialTitle":"Want a risk-free investment that earns up to 5% a year? Try these CDs.","stickyCta":null,"tagNames":["APY","banks","Best-of","Certificates of Deposit (CDs)","Editor's Picks","no copyright","Rankings and Roundups"],"tags":[{"name":"APY","tagId":447854075,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"banks","tagId":19039,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Best-of","tagId":447854062,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Certificates of Deposit (CDs)","tagId":447854074,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Editor's Picks","tagId":447851104,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"no copyright","tagId":447849520,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Rankings and Roundups","tagId":447865369,"__typename":"BrandedArticleClassificationTagFieldsFields"}],"templateType":"landing_page","thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg","title":"The 10 best CD rates for November 2024: Earn up to 4.75%","topicNames":[],"topics":[],"url":"https://fortune.com/recommends/banking/the-best-cd-rates/","videoId":null,"widgetCss":null},"articleData":{"adTags":[{"adtagname":"cat_Certificates of Deposit","description":null,"slug":"cat-certificates-of-deposit"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"Don’t sleep on these great CD rates—many CDs yield nearly 5% APY. See which CDs made the cut.","authorNames":["Abigail Rueger"],"authors":[{"email":"abigail.rueger@fortune.com","image":"https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=150","name":"Abigail Rueger","sameAs":"","type":"Person","uri":"/author/abigail-rueger/","url":"https://fortune.com/author/abigail-rueger/","role":"Deputy Editor, Banking","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/abigail-rueger-9a8941129/","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eAbigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. \u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"PERSONAL FINANCE","link":"https://fortune.com/recommends/personal-finance/"},{"label":"BANKING","link":"/recommends/banking/"},{"label":"THE 10 BEST CD RATES FOR NOVEMBER 2024: EARN UP TO 5%","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Banking","content":"\u003cp\u003eWhile interest rates are taking a dip due to recent changes from the Federal Reserve, some of the best CDs still offer rates near 5%. By signing up for a certificate of deposit (CD) or share certificate,\u0026nbsp;you can earn extra cash without extra risk. As long as your financial institution is covered by Federal Deposit Insurance Corp. (FDIC) or National Credit Union Administration (NCUA) insurance, your money is safe up to $250,000 per depositor.\u0026nbsp;\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eWith a CD, you tie up your savings for a fixed term and, in exchange, you get a rate that beats what a traditional savings account offers. However, beware of early withdrawal penalties: If you tap your cash before the CD matures, you’ll be on the hook for a penalty typically worth a few months’ of interest.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines\u003c/a\u003e and the \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e for the ratings below.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003c/h4\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eOver 95 financial institutions compared\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than 1,000 data points tracked\u003c/li\u003e\n\n\n\n\u003cli\u003e4 levels of fact-checking\u003c/li\u003e\n\n\n\n\u003cli\u003eGuided by 25+ years of banking experience\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eHighest current CD rates (overall)\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Highest current CD Rates\" aria-label=\"Table\" id=\"datawrapper-chart-94Exq\" src=\"https://datawrapper.dwcdn.net/94Exq/18/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"1412\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cdiv class=\"wp-block-group comparison-table-group-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch2 class=\"wp-block-heading sponsored-disclosure\"\u003eSPONSORED PARTNERS\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-table comparison-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003e\u003cimg loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"94\" class=\"wp-image-3850667\" style=\"width: 150px;\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Discover_logo.png\" alt=\"Discover Bank logo\"\u003e\u003cbr\u003eDiscover\u003c/th\u003e\u003cth\u003e\u003cimg loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"94\" class=\"wp-image-3856275\" style=\"width: 150px;\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Barclays_logo.png\" alt=\"Barclays logo\"\u003e\u003cbr\u003eBarclays\u003c/th\u003e\u003cth\u003e\u003cimg loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"94\" class=\"wp-image-3956899\" style=\"width: 150px;\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/07/Marcus-by-Goldman-Sachs-logo.png\" alt=\"Marcus by Goldman Sachs\"\u003e\u003cbr\u003eMarcus by Goldman Sachs\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eMinimum opening despoit\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eMinimum opening despoit\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eMinimum opening despoit\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e$0\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003ctd\u003e$500\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eAPY on a 1-year CD\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eAPY on a 1-year CD\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eAPY on a 1-year CD\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003ctd\u003e4.25%\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eRange of terms\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eRange of terms\u003c/strong\u003e\u003c/td\u003e\u003ctd\u003e\u003cstrong\u003eRange of terms\u003c/strong\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e3 months - 10 years\u003c/td\u003e\u003ctd\u003e3 months - 5 years\u003c/td\u003e\u003ctd\u003e6 months - 6 years\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/mba008c5a0fe?s1=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Discover\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/lb3d0c2945ff?s1=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Barclays\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723551\u0026amp;tid=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading has-text-align-left\"\u003eFind the best CD for you\u003c/h2\u003e\n\n\n\n\u003cp\u003eUse the widget below to find the CDs with the best rates in your area.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"ed375ef3-c83b-43c1-8a5a-57347a4e9d42\" data-campaign=\"fortune-cds-multi\" data-sub-id=\"cds-multi-cc\"\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"Highest-CD-Rates-by-term-length\"\u003eBest CD Rates by term length\u003c/h2\u003e\n\n\n\n\u003cp\u003eIn most cases, financial institutions will vary the APY of a CD depending on the length of time you’re willing to deposit the money. While this doesn’t always mean you’ll earn a higher rate over a longer term, comparing products by term length is worth it to ensure you’re getting the most bang for your buck. In collaboration with Curinos, we've gathered details on some of the highest CD rates available for common term lengths.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best CD Rates by term length\" aria-label=\"Table\" id=\"datawrapper-chart-DkC95\" src=\"https://datawrapper.dwcdn.net/DkC95/10/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"414\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eSee more CDs by term length\u003c/summary\u003e\n\u003cp\u003eOpen the drawers below to see examples of top rates by term length. Rates are updated daily, however, you should always refer to the institution itself for the most accurate information.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 1-month CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/best-1-month-cds/\"\u003e1-month CD rate\u003c/a\u003e today is 3.67% from Merchants Bank of Indiana.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"1 month CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-Izx63\" src=\"https://datawrapper.dwcdn.net/Izx63/9/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"360\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 3-month CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-3-month-cd-rates/\"\u003e3-month CD rate\u003c/a\u003e today is 4.72% from UMB Bank.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"3 month CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-xR0r2\" src=\"https://datawrapper.dwcdn.net/xR0r2/7/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"281\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 6-month CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-6-month-cd-rates/\"\u003e6-month CD rate\u003c/a\u003e today is 4.95% from Regent Bank.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"6-month CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-Ki4lR\" src=\"https://datawrapper.dwcdn.net/Ki4lR/5/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"324\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 9-month CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-9-month-cd-rates/\"\u003e9-month CD rate\u003c/a\u003e today is 4.45% from Popular Direct.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"9 month CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-LJ28w\" src=\"https://datawrapper.dwcdn.net/LJ28w/5/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"342\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 1-year CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/best-1-year-cd-rates/\"\u003e1-year CD rate\u003c/a\u003e today is 4.90% from Regent Bank.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"1-year CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-mFiN8\" src=\"https://datawrapper.dwcdn.net/mFiN8/7/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"281\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 18-month CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-18-month-cd-rates/\"\u003e18-month CD rate\u003c/a\u003e today is 4.35% from Newtek Bank.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"18 month CD rates (top 20)\" aria-label=\"table\" id=\"datawrapper-chart-PDngi\" src=\"https://datawrapper.dwcdn.net/PDngi/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"734\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 2-year CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-2-year-cd-rates/\"\u003e2-year CD rate\u003c/a\u003e today is 4.29% from First National Bank of America.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"2 year CD rates\" aria-label=\"table\" id=\"datawrapper-chart-dUPeI\" src=\"https://datawrapper.dwcdn.net/dUPeI/9/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"700\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 3-year CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/best-3-year-cd-rates/\"\u003e3-year CD rate\u003c/a\u003e today is 4.10% from Customers Bank.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"3-year CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-xPxmY\" src=\"https://datawrapper.dwcdn.net/xPxmY/6/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"297\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 4-year CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-4-year-cd-rates/\"\u003e4-year CD rate\u003c/a\u003e today is 4.05% from Morgan Stanley.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"4 year CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-dI7ju\" src=\"https://datawrapper.dwcdn.net/dI7ju/9/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"700\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 5-year CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-5-year-cd-rates/\"\u003e5-year CD rate\u003c/a\u003e today is 4.10% from Morgan Stanley.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"5-year CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-Oy8KP\" src=\"https://datawrapper.dwcdn.net/Oy8KP/7/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"279\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBest 10-year CD rates\u003c/summary\u003e\n\u003cp\u003eThe highest \u003ca href=\"https://fortune.com/recommends/banking/the-best-10-year-cd-rates/\"\u003e10-year CD rate\u003c/a\u003e today is 3.76% from First National Bank of America.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"10 year CD rates (top 5)\" aria-label=\"table\" id=\"datawrapper-chart-CWDuy\" src=\"https://datawrapper.dwcdn.net/CWDuy/9/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"298\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"current-news\"\u003eCurrent news on CD rates\u003c/h2\u003e\n\n\n\n\u003cp\u003eOver the last two years, CD rates marched higher as the \u003ca href=\"https://fortune.com/recommends/banking/fed-rate-change-history-forecast/\"\u003eFederal Reserve hiked interest rates\u003c/a\u003e and then kept them elevated to help get inflation under control. But now that inflation has cooled, the Fed has changed its tune. The Fed cut rates for the second consecutive time at its meeting on November 7th, 2024, and now \u003ca href=\"https://fortune.com/recommends/banking/will-cd-rates-go-up/\"\u003eCD rates are falling\u003c/a\u003e in response.\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you are thinking about \u003ca href=\"https://fortune.com/recommends/banking/should-you-open-certificate-of-deposit-now-or-wait/\"\u003ejumping into a CD\u003c/a\u003e, you shouldn’t wait too much longer. After the Fed rate decreases, we’re already seeing rates that were above 5.00% APY a month ago now below that threshold. And be wary of any CDs that are near maturity. If you plan to let it renew, make sure you are still getting a good rate. You may want to shop around instead of letting it automatically renew.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eMarket insight\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"We believe that the market will undergo some volatility as we get closer to the election, however, lowering interest rates now—and telegraphing another 50 bps in cuts by the end of this year and a total of 150 bps more by the end of next year—should allow the market to hit all-time highs again by the end of this year, and more gains for next year.\"\u003cbr\u003e\u003cbr\u003e\u003cem\u003e— Chris Zaccarelli, Chief Investment Officer for Independent Advisor Alliance\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003cp\u003eAccording to the \u003ca href=\"https://fortune.com/recommends/banking/what-is-fdic-insurance/\"\u003eFDIC\u003c/a\u003e, the average 12-month CD rate today is 1.88%. However, many banks currently offer rates of 4%–5%, especially for terms under two years. This allows them to attract new customers with high rates, without allowing them to lock in that rate for an extended period of time. \u003c/p\u003e\n\n\n\n\u003cp\u003eOur reserch shows that CD rates for terms of three years or more have been steadily falling over the past six months, and short-term CDs are now dropping quickly as well. Savvy investors may be able to take advantage of the high rates on short term lengths by building a \u003ca href=\"#cd-ladder\"\u003eCD ladder\u003c/a\u003e instead of dumping all their funds into a single long-term CD.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"best-cd-rates\"\u003eThe best CD rates: our top picks*\u003c/h2\u003e\n\n\n\n\u003cp\u003eHere’s our rundown of the top 10 CDs according to \u003ca href=\"#methodology\"\u003eour research\u003c/a\u003e, including the key figures you should know before you open an account.\u0026nbsp;Click on “see more CD rates” to view potential earnings with each institution’s rates and term lengths.\u003c/p\u003e\n\n\n\n\u003cp\u003e*Note: APYs for these institutions are updated daily, but are subject to change. Please refer to the website of each provider for the most up-to-date information.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eSummary\u003c/summary\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/alliant-credit-union-review/\"\u003eAlliant Credit Union\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.30%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/first-internet-bank-review/\"\u003eFirst Internet Bank\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.42%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/everbank-review/\"\u003eEverBank\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.15%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eSynchrony:\u003c/strong\u003e Rates up to 4.05%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/marcus-by-goldman-sachs-review/\"\u003eMarcus by Goldman Sachs\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.10%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/mysb-direct-review/\"\u003eMYSB Direct\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.25%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/tab-bank-review/\"\u003eTAB Bank\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.25%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/capital-one-360-review/\"\u003eCapital One 360\u003c/a\u003e: \u003c/strong\u003eRates up to 4.10%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/discover-bank-review/\"\u003eDiscover\u003c/a\u003e: \u003c/strong\u003eRates up to 4.10%\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003e\u003ca href=\"https://fortune.com/recommends/banking/prime-alliance-bank-review/\"\u003ePrime Alliance Bank\u003c/a\u003e:\u003c/strong\u003e Rates up to 4.50%\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eInstitution\u003c/th\u003e\u003cth\u003eTerm length\u003c/th\u003e\u003cth\u003eAPY*\u003c/th\u003e\u003cth\u003eMinimum opening deposit\u003c/th\u003e\u003cth\u003eSee details\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eDiscover\u003c/td\u003e\u003ctd\u003e12 months\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/mba008c5a0fe?s1=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Discover\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMYSB Direct\u003c/td\u003e\u003ctd\u003e9 months\u003c/td\u003e\u003ctd\u003e4.40%\u003c/td\u003e\u003ctd\u003e$500\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fortune.com/recommends/banking/mysb-direct-review/\"\u003eRead our review\u003c/a\u003e\u003cbr\u003eof MYSB Direct\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eEverBank\u003c/td\u003e\u003ctd\u003e9 months\u003c/td\u003e\u003ctd\u003e4.15%\u003c/td\u003e\u003ctd\u003e$1,000\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fortune.com/recommends/banking/everbank-review/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/banking/everbank-review/\"\u003eRead our review\u003c/a\u003e\u003cbr\u003eof EverBank\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBread Savings\u003c/td\u003e\u003ctd\u003e6 months\u003c/td\u003e\u003ctd\u003e4.70%\u003c/td\u003e\u003ctd\u003e$1,500\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://offers.engine.tech/channelTrackingOfferRedirect/3200ac8a-4100-4a9e-b82b-42ed1aadea62/088da6a0-d4df-4df3-91ee-f0efdc768255?tag.sub_id=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlliant Credit Union\u003c/td\u003e\u003ctd\u003e12 months\u003c/td\u003e\u003ctd\u003e4.25%\u003c/td\u003e\u003ctd\u003e$1,000\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/le0b54109b1f?s1=3390968\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Alliant\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCapital One 360\u003c/td\u003e\u003ctd\u003e12 months\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723557\u0026amp;tid=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSynchrony Bank\u003c/td\u003e\u003ctd\u003e9 months\u003c/td\u003e\u003ctd\u003e\u003cbr\u003e4.05%\u003c/td\u003e\u003ctd\u003e\u003cbr\u003e$0\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723548\u0026amp;tid=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eFirst National Bank of America\u003c/td\u003e\u003ctd\u003e12 months\u003c/td\u003e\u003ctd\u003e4.26%\u003c/td\u003e\u003ctd\u003e$1,000\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings\u0026amp;tag.sub_id=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlly Bank\u003c/td\u003e\u003ctd\u003e9 months\u003c/td\u003e\u003ctd\u003e4.30%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally-ira-cd\u0026amp;tag.sub_id=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003ePopular Direct\u003c/td\u003e\u003ctd\u003e3 months\u003c/td\u003e\u003ctd\u003e4.60%\u003c/td\u003e\u003ctd\u003e$10,000\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723555\u0026amp;tid=3390968\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Bankrate\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cfigcaption class=\"wp-element-caption\"\u003eThe best CD rates: our top picks*\u003c/figcaption\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"discover\"\u003eDiscover 12-month CD: 4.10% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eDiscover Bank is part of the Discover Financial Services company, which is primarily known for its credit card products. Discover Bank, however, offers a range of other financial services beyond just credit cards, including online deposit account options.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"discover\" class=\"card-title\"\u003eDiscover\u003c/h3\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e \u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.10\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.10%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.50\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.50%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.40\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.40%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Discover_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/mba008c5a0fe?s1=3390968\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Discover\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomers can open a CD with Discover Bank online in a few simple steps. You will be required to provide your address, social security number, and a minimum opening deposit of $0.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\r\n\u0026nbsp;\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nIf you must withdraw funds from your Discover Bank CD before it matures, an early withdrawal penalty will apply. The amount of the penalty will vary depending on the length of your CD:\r\n\r\n\u003cli\u003e\u003cstrong\u003eLess than 1 year:\u003c/strong\u003e 3 months simple interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e1-4 years:\u003c/strong\u003e 6 months simple interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e4-5 years:\u003c/strong\u003e 9 months simple interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e5-7 year:\u003c/strong\u003e 18 months simple interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e7-10 years:\u003c/strong\u003e 24 months simple interest\u003c/li\u003e\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/mba008c5a0fe?s1=3390968\"\u003e \u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Discover\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eDiscover has no minimum to open a CD, and it offers a broad range of CDs, with durations of up to 10 years. If you plan to invest in a Discover CD, the short-term options are currently offering better rates than CDs that last many years.\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile Discover is probably best known as a credit card processor, its deposit products are well-rounded and easily accessible. New customers can quickly sign up online (there are no physical branches) and get access to funds at any time through a vast network of over 60,000 ATMs. An extensive online frequently asked questions (FAQs) can help provide answers to common inquiries, and representatives are available by phone 24/7 for more difficult questions.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eDiscover Bank CD rates\u003c/summary\u003e\n\u003cp\u003eBucking the trend of many well-known names in the banking industry, Discover Bank’s CD rates are very competitive. While the $0 minimum deposit may be a downside for many, there’s no denying it provides a decent return on the investment.\u003cbr\u003e\u003cbr\u003eRates below are updated weekly, and end value calculations assume a $0 minimum deposit (as required by the institution).\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Discover Bank CD rates\" aria-label=\"Table\" id=\"datawrapper-chart-x8Ha1\" src=\"https://datawrapper.dwcdn.net/x8Ha1/17/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"596\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Discover Bank\u003c/summary\u003e\n\u003cp\u003eDiscover has no shortage of product offerings for interested customers. Its checking account provides attractive cash back options, its high-yield savings account offers more than five times the national average, and it offers multiple IRA options for retirement planning.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e read our \u003ca href=\"https://fortune.com/recommends/banking/discover-bank-review/\"\u003eDiscover Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"mysb\"\u003eMYSB Direct 9-month CD: 4.40% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eMYSB Direct, a.k.a. M.Y. Safra Bank, is headquartered in New York City and operates a single branch there. Its products include personal checking and savings accounts, lending services, and more.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"mysb\" class=\"card-title\"\u003eMYSB Direct\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $500\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm Length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.25\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.25\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.90\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.90\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.90\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.90\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_M.Y._Safra_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26723529\u0026amp;tid=3390968\" target=\"_blank\" rel=\"noopener\"\u003eView offer at Bankrate\r\n\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nThe minimum deposit for MYSB Direct's CDs is $500 for all its regular CDs and $5,000 for its 13-month no-penalty CD. Customers can apply online for any term length.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\r\nFor all but the no-penalty CD, the penalty is equal to 90 days of interest. If interest during the term is greater than 90 days, the penalty will be equal to all interest earned.\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\n\u0026nbsp;\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26723529\u0026amp;tid=3390968\" target=\"_blank\" rel=\"nofollow noopener\"\u003eView offer at Bankrate\u003c/a\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003cp\u003e\u003cstrong\u003eWhy we picked it\u003c/strong\u003e\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile MYSB Direct doesn’t boast the absolute highest rates on their CDs, they provide a variety of term lengths, allowing you to select a maturity that aligns with your financial goals, plus it has a relatively low minimum opening deposit of $500. MYSB’s 9-month CD is right around some of the highest available today at 4.40%, though—so if you’re in the market for a shorter term length, MYSB could be a solid option.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eMYSB Direct has one physical location in New York City, but you can reach customer service via email or phone. Note that MYSB has one of the heftiest early withdrawal penalties, so be prepared to keep your hands off your money or pay up.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eMYSB CD rates\u003c/strong\u003e\u003c/summary\u003e\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"MYSB Direct CD rates\" aria-label=\"table\" id=\"datawrapper-chart-DMsNd\" src=\"https://datawrapper.dwcdn.net/DMsNd/3/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"613\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from MYSB Direct\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cbr\u003eNo-Penalty CD\u003c/td\u003e\u003ctd\u003e13-month term length\u003cbr\u003e4.75% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMA\u003c/td\u003e\u003ctd\u003e5.25% APY\u003cbr\u003eMinimum daily balance of $5,000 required to earn APY\u003cbr\u003e$10 monthly fee for accounts with less than $5,000\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/mysb-direct-review/\"\u003eMYSB Direct review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"everbank\"\u003eEverBank 9-month CD: 4.15% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eFounded in 1998, EverBank, formerly known as TIAA Bank, is a Jacksonville, Florida-based bank offering CDs, high-yield savings accounts, checking accounts, and more.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"everbank\" class=\"card-title\"\u003eEverBank\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $1,000\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e4.00%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.50%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.50%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2022/10/Everbank_logo-1.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCD accounts can be opened online easily in a few steps. You can send an opening deposit (of at least $1,000) by online transfer, wire transfer, or mail. Customers in Florida can open an account at one of the bank’s eight locations in the state.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\r\n\u0026nbsp;\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\nThe early withdrawal penalty is equal to a quarter of the total interest that would have been earned on the principal balance of the account if funds had not been withdrawn prior to the maturity date, such as 91 days of simple interest for a one-year CD.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fortune.com/recommends/banking/everbank-review/\" target=\"_blank\" rel=\"noopener\"\u003eRead review\r\n\u003c/a\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eEverBank stands out because of the wide range of term lengths and solid APYs it offers on its CDs. It offers 10 different term lengths, ranging from three months to five years, so it could be a great option for setting up a \u003ca href=\"#cd-ladder\"\u003eCD ladder\u003c/a\u003e. Customers can get an interest rate of close to 4% or higher on all of its term lengths, but you’ll need to have a bit of a nest egg saved up to invest: the minimum opening deposit is $1,000.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eCustomers living near a physical branch in Florida could have the added benefit of in-person banking at one of the institution’s eight locations. The mobile app is still serviced through TIAA and is rated over four stars on both the Apple and Google platforms. EverBank is part of both the Allpoint and MoneyPass ATM networks, so customers have access to over 100,000 fee-free ATMs.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eEverBank CD rates\u003c/summary\u003e\n\u003cp\u003eMost of EverBank’s CD rates are over 4%, meaning you’ll get a decent return regardless of your term length.\u003c/p\u003e\n\n\n\n\u003cp\u003eEnd value calculations on the table below assume a $1,000 minimum deposit, as required by the bank. Rates are updated weekly but are subject to change.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Everbank CD rates\" aria-label=\"table\" id=\"datawrapper-chart-xalS2\" src=\"https://datawrapper.dwcdn.net/xalS2/5/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"613\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from EverBank\u003c/summary\u003e\n\u003cp\u003eIn addition to a generous amount of CDs, EverBank also offers checking accounts, savings accounts, and MMAs. Someone looking to do all their online banking in one place could take advantage of EverBank’s high rates across its various product offerings.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003e$25 minimum deposit for standard account, $100 for high-yield account\u003cbr\u003eAccess to over 100,000 ATMs\u003cbr\u003eNo monthly fee\u003cbr\u003eUp to 0.45% APY on the Yield account\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSavings accounts\u003c/td\u003e\u003ctd\u003e4.75% APY\u003cbr\u003eNo minimum deposit to open\u003cbr\u003eNo monthly fee\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMAs\u003c/td\u003e\u003ctd\u003e4.3% APY\u003cbr\u003e$0 minimum to open the account\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e read our \u003ca href=\"https://fortune.com/recommends/banking/everbank-review/\"\u003eEverBank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"EverBank is known for its high-yield savings, CDs, and money market accounts that have a fairly low-cost entry point. The Florida-based bank has a CD with excellent APYs, but it is limited in terms of personal banking products beyond these interest-bearing accounts. Also, EverBank is undergoing a new desktop and mobile banking app revamp, so it is currently clunky when compared to banks with more advanced apps, such as having AI-powered assistants.\"\u003cbr\u003e\u003cbr\u003e— \u003cem\u003e\u003ca href=\"https://fortune.com/author/rachel-witkowski/\"\u003eRachel Witkowski\u003c/a\u003e, Fortune Recommends contributor\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"bread\"\u003eBread Savings 6-month CD: 4.70% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eBread Savings, formerly Comenity Direct Bank, is an online bank—part of Bread Financial—that offers CDs ranging from one to five years and a high-yield savings account.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"popular-direct\" class=\"card-title\"\u003eBread Savings\u003c/h3\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $1,500\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e4.30%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.90%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.85%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3495515 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2022/11/Bread_Savings_logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eAll CDs can be opened online\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003eLess than 1 year: 90 days’ simple interest\r\n1 to 3 years: 180 days’ simple interest\r\n4 years or greater: 365 days simple interest\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhile its opening deposit is above $1,000, Bread Savings offers its customers competitive APYs on its one-, three-, and five-year CDs. However, accountholders should be aware of fees charged for outgoing wire transfers, official check requests, and paper statement fees.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eBread Savings is a digital bank. If customers need help, they can call or send a secure message through its banking portal.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBread Savings CD rates\u003c/summary\u003e\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Bread Savings CD Rates \" aria-label=\"Table\" id=\"datawrapper-chart-yRcxS\" src=\"https://datawrapper.dwcdn.net/yRcxS/17/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"558\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Bread Savings\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eHigh-yield savings account\u003c/td\u003e\u003ctd\u003e4.65% APY\u003cbr\u003e$100 minimum deposit to open\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/bread-savings-review/\"\u003eBread Savings review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alliant\"\u003eAlliant Credit Union 12-month CD: 4.25% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eFounded in 1935, Alliant Credit Union is a not-for-profit credit union that offers deposit accounts—savings accounts and \u003ca href=\"https://fortune.com/recommends/banking/what-is-a-share-certificate/\"\u003eshare certificates\u003c/a\u003e—and lending products like auto loans and mortgages.\u003c/p\u003e\n\n\n\n\u003cp\u003eMembership eligibility is extended to current or former employees of Alliant’s partner organizations, or residents or workers in a Chicago-area community. You can also become a member by becoming an Alliant Credit Union Foundation digital inclusion advocate.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"alliant\" class=\"card-title\"\u003eAlliant Credit Union\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $1,000\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year certificate\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.25\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.25\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year certificate\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.65\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.65\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year certificate\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.65\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.65\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Alliant_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/le0b54109b1f?s1=3390968\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Alliant\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nInterested customers must join Alliant Credit Union as a member, which requires a $5 minimum balance in a savings account and qualifying membership activity. Customers can join Alliant Credit Union in several ways:\r\n\u003cli\u003eEmployment with a partner organization\u003c/li\u003e\r\n\u003cli\u003eRelationship with a current member\u003c/li\u003e\r\n\u003cli\u003eResidence or employment near corporate headquarters in Chicago\u003c/li\u003e\r\n\u003cli\u003eBecoming an Alliant Credit Union Foundation digital inclusion advocate (most popular method for nonlocal members)\u003c/li\u003e\r\n\r\n\u003cbr\u003e Non-U.S. citizens may also join Alliant Credit Union if they have a Social Security number or unexpried individual taxpayer identification number (ITIN).\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nWhile Alliant Credit Union does allow members to make withdrawals on interest before the term ends, it does not allow withdrawals of the principal amount. If a member wishes to withdraw the principal before the end of the term or close the certificate, a penalty fee will be assessed. Exact amounts of these penalties are not specified in the account disclosures.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/le0b54109b1f?s1=3390968\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Alliant\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we picked it\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eAlliant made our list because of its solid APYs and variety of customer support options. It offers one of the best one-year CD rates on our list, coming in at 4.30%. While credit unions often have strict requirements that make membership a challenge, this one makes the process as simple as submitting an application that isn’t much more complex than the standard account opening process at a traditional bank.\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you choose Alliant as your financial home, it’s a digital credit union that doesn’t provide access to physical branch locations. Thankfully, it’s also a member of a vast surcharge-free ATM network with over 80,000 ATMs across the country. The mobile app makes it easy to keep tabs on your finances from anywhere, and both the app and the institution’s physical debit and credit cards feature top-notch security enhancements.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn the habit of popping into your local branch to ask questions? Don’t worry—you can contact a representative anytime, 24/7, via email, chat, or phone. This level of access to customer support is a huge boon to many customers, making it easy to report a lost card, submit a travel notification, or get clarity on any questions you may have.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAlliant Credit Union CD rates\u003c/summary\u003e\n\u003cp\u003eAlliant Credit Union offers a solid range of CD terms that provide flexibility for customers who may want to build a CD ladder or want to explore their options.\u003c/p\u003e\n\n\n\n\u003cp\u003eRates below are updated weekly, and end value calculations assume a $1,000 minimum deposit (as required by the institution).\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Alliant Credit Union CD rates\" aria-label=\"Table\" id=\"datawrapper-chart-dTXFC\" src=\"https://datawrapper.dwcdn.net/dTXFC/12/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"485\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Alliant Credit Union\u003c/summary\u003e\n\u003cp\u003eCDs aren’t the only banking product where Alliant Credit Union offers stellar rates. The institution also provides free checking and savings accounts for personal use, and the rates far exceed those of many competitors.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003e0.25% APY\u003cbr\u003eNo monthly service fee\u003cbr\u003eNo overdraft fees\u003cbr\u003eNo minimum balance requirement\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSavings accounts\u003c/td\u003e\u003ctd\u003e3.10% APY\u003cbr\u003eNo monthly fee with eStatements\u003cbr\u003e$100 minimum balance\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCredit cards\u003c/td\u003e\u003ctd\u003eVisa-branded\u003cbr\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/\"\u003eCash back\u003c/a\u003e and \u003ca href=\"https://fortune.com/recommends/credit-cards/best-balance-transfer-credit-cards/\"\u003ebalance transfer\u003c/a\u003e options available\u003cbr\u003eNo annual fees\u003cbr\u003eCompatible with Google Pay, Apple Pay, and Samsung Pay\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e read our \u003ca href=\"https://fortune.com/recommends/banking/alliant-credit-union-review/\"\u003eAlliant Credit Union review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"capone\"\u003eCapital One 360 12-month CD: 4.10% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eCapital One is one of the largest banks in the country, headquartered in Virginia with a strong online presence as well as some physical branches across the country. Its online banking division is known as Capital One 360 and offers a host of products, such as checking accounts, CDs, and high-yield savings accounts.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"capone\" class=\"card-title\"\u003eCapital One 360\u003c/h3\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e \u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.10\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.10%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.60\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.60%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.50\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.50%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Capital_One_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26723557\u0026amp;tid=3390968\" target=\"blank\" rel=\"nofollow noopener noreferrer\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nWith a $0 opening deposit, Capital One 360 can be opened online—the website states the application process takes about five minutes—or at one of the bank’s 280-plus locations around the country. \r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003cli\u003eFor a CD with a 12-month or shorter term, the penalty is three months of interest, regardless of when you redeem the account prior to maturity.\u003c/li\u003e\r\n\u003cli\u003eFor a CD with a term greater than 12 months, the penalty is six months of interest regardless of when you redeem the account prior to maturity.\u003c/li\u003e\r\n\u003cbr\u003eDepending on how early you redeem your CD, the penalty for early redemption may be greater than the interest you have earned on your account.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26723557\u0026amp;tid=3390968\" target=\"blank\" rel=\"nofollow noopener noreferrer\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhether you’re looking for a place to park your money for a few months or years, Capital One has you covered. The bank offers CDs with durations ranging from 6–60 months, and there’s no minimum opening deposit. Plus, if you really need your cash before the CD’s term is up, there’s a modest early withdrawal penalty of three months’ interest on term lengths less than a year and six months’ interest on term lengths over a year.\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you’re comfortable banking online and want all your accounts in one place, Capital One 360 could be a decent option. Compared to other large financial institutions, its rates are quite competitive with other online-only banks. The app is generally well-rated, and live support is available seven days a week from 8 a.m. to 11 p.m. Eastern time.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCapital One 360 CD rates\u003c/summary\u003e\n\u003cp\u003eCapital One 360 is one of few institutions that requires no minimum deposit to open and maintain a CD. We’ve calculated how much you could earn if you put $500 into its CDs at each term length.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Capital One CD rates\" aria-label=\"table\" id=\"datawrapper-chart-Ix7do\" src=\"https://datawrapper.dwcdn.net/Ix7do/4/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"613\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Capital One 360\u003c/summary\u003e\n\u003cp\u003eCapital One is best known for its credit cards but, in addition to its CD offerings, it also provides checking and savings accounts.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003eNo minimum to open or maintain the account\u003cbr\u003eNo monthly fees\u003cbr\u003eNo overdraft fees\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSavings accounts\u003c/td\u003e\u003ctd\u003e3.90% APY\u003cbr\u003e$0 minimum deposit to open\u003cbr\u003eNo monthly fees\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCredit cards\u003c/td\u003e\u003ctd\u003eFrom credit building, cash back rewards, travel rewards, and business cards, Capital One likely has a card to suit your needs.\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e read our \u003ca href=\"https://fortune.com/recommends/banking/capital-one-360-review/\"\u003eCapital One 360 review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"synchrony\"\u003eSynchrony Bank 9-month CD: 4.05% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eSynchrony, once a part of General Electric Company, is now an independent bank offering a host of products like savings accounts, credit cards, and more.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"synchrony\" class=\"card-title\"\u003eSynchrony\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $0\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.10\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.10\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;3.75\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e3.75\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.00\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.00\u003c/span\u003e%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Synchrony_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26723548\u0026amp;tid=3390968\" target=\"blank\" rel=\"nofollow noopener noreferrer\"\u003eView offer at Bankrate\r\n\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nThe regular CDs, bump-up CD, and no-penalty CD can all be opened online.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalty\u003c/label\u003e\r\n\r\nTerms of 12 months or less: 90 days of simple interest at the current rate\r\nTerms of more than 12 months but less than 48 months: 180 days of simple interest at the current rate\r\nTerms of 48 months or more: 365 days of simple interest at the current rate\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\n\u0026nbsp;\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26723548\u0026amp;tid=3390968\" target=\"blank\" rel=\"nofollow noopener noreferrer\"\u003eView offer at Bankrate\r\n\u003c/a\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eRegardless of what type of CD you’re looking for, Synchrony Bank has you covered—you’ll have a choice between traditional CDs, a bump-up CD, and a no-penalty CD. To get the most bang for your buck, opt for the 6-month CD, which offers a 3.90% APY.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWith no minimum deposit requirement, Synchrony could be a good choice for a saver with any amount to put away. Even its longer terms of four and five years have decent APYs at 4.00%, which could make it a nice option for those wanting to build out a \u003ca href=\"https://fortune.com/recommends/banking/what-is-a-cd-ladder/\"\u003eCD ladder\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile it doesn’t currently offer a checking account, Synchrony’s other deposit products also have decent APYs, so if you’re looking to open multiple new accounts, Synchrony could be worth checking out.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo get in touch with customer service, you can do so via phone call, live chat, or email.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eSynchrony Bank CD rates\u003c/summary\u003e\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Synchrony Bank CD rates\" aria-label=\"table\" id=\"datawrapper-chart-Ej13p\" src=\"https://datawrapper.dwcdn.net/Ej13p/7/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"613\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Synchrony Bank\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eHigh-yield savings account\u003c/td\u003e\u003ctd\u003e4.65% APY\u003cbr\u003eNo minimum balance requirement\u003cbr\u003eATM access available\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMoney market accounts\u003c/td\u003e\u003ctd\u003e2.25% APY\u003cbr\u003eNo minimum balance requirement\u003cbr\u003eOptional ATM card available\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Read our \u003ca href=\"https://fortune.com/recommends/banking/synchrony-bank-review/\"\u003eSynchrony Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"first-national\"\u003eFirst National Bank of America 12-month CD: 4.26\u003c/h2\u003e\n\n\n\n\u003cp\u003eFounded in 1955, First National Bank of America (FNBA) offers a handful of banking products, such as checking and savings accounts, CDs, and mortgages. While FNBA only has a few physical branches in the state of Michigan, its online banking is available nationwide.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"marcus\" class=\"card-title\"\u003eFirst National Bank of America (FNBA)\u003c/h3\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $1,000\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e4.26%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.90%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.83%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_First_National_Bank_Of_America_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings\u0026amp;tag.sub_id=3390968\" target=\"blank\" rel=\"nofollow noopener noreferrer\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nPersonal CDs may be opened online, and customers must provide basic personal information to open the account. A minimum opening deposit of $1,000 is required.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\u003cul\u003e\r\n \t\u003cli\u003e\u003cb\u003e1–11 months:\u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e 90 days of interest\u003c/span\u003e\u003c/li\u003e\r\n \t\u003cli\u003e\u003cb\u003e12–23 months:\u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e 180 days of interest\u003c/span\u003e\u003c/li\u003e\r\n \t\u003cli\u003e\u003cb\u003e24–47 months: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e360 days of interest\u003c/span\u003e\u003c/li\u003e\r\n \t\u003cli\u003e\u003cb\u003e48–59 months:\u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e 540 days of interest\u003c/span\u003e\u003c/li\u003e\r\n \t\u003cli\u003e\u003cb\u003e60–84 months: \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e540 days of interest\u003c/span\u003e\u003c/li\u003e\r\n \t\u003cli style=\"list-style-type: none;\"\u003e\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-national-bank-of-america-savings\u0026amp;tag.sub_id=3390968\" target=\"blank\" rel=\"nofollow noopener noreferrer\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eThough FNBA’s minimum opening deposit requirement of $1,000 may be steep for some, you’ll get a generous APY in return: Most of their CDs have APYs that top 4.10%. Customers can also opt for a partial withdrawal of their funds—though you could get hit by an early withdrawal penalty for doing so. Interest compounds quarterly, and you will receive a maturity notice by mail 30 days prior to your CD’s maturity date.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you take no action, your entire CD will roll over into a new account of the same term length at the current rate for that term. Otherwise, you have the option to use all or some of the money to fund a new CD or withdraw your funds. There is a 10-day grace period to take action after your CD matures.\u003c/p\u003e\n\n\n\n\u003cp\u003eFNBA’s customer service is available via phone or online request.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eFirst National CD rates\u003c/summary\u003e\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"First National Bank of America (FNBA) CD rates\" aria-label=\"table\" id=\"datawrapper-chart-jM8Ta\" src=\"https://datawrapper.dwcdn.net/jM8Ta/4/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"615\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from FNBA\u003c/summary\u003e\n\u003cp\u003eFNBA also offers personal checking, savings, and IRAs, as well as business accounts.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003e$100 minimum to open\u003cbr\u003eOnline accounts available\u003cbr\u003eInterest-bearing HomeTowne Checking is available to those near a physical branch\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSavings accounts\u003c/td\u003e\u003ctd\u003eBasic account requires a $100 minimum top open and $199 average daily balance to avoid fees\u003cbr\u003eHigh-yield savings requires a $1,000 minimum opening deposit and $1,000 balance to avoid monthly fees\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eIRAs\u003c/td\u003e\u003ctd\u003eBoth traditional and Roth IRAs available\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-national-bank-of-america-review/\"\u003eFNBA review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"ally\"\u003eAlly Bank 12-month CD: 4.10% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003eAlly Bank is an online-only bank offering savings accounts, a \u003ca href=\"https://fortune.com/recommends/investing/best-robo-advisors/\"\u003erobo-advisor\u003c/a\u003e service, checking, savings, mortgage, \u003ca href=\"https://fortune.com/recommends/loans/best-personal-loans/\"\u003epersonal loans\u003c/a\u003e, auto lending products, and more. Its CD terms range from three months to five years.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"ally\" class=\"card-title\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26723544\u0026amp;tid=desktop-3390968-1_amcid-BzpFVFZsgr2VJFAEl7gx7\" rel=\"nofollow noopener noreferrer\"\u003eAlly Bank\u003c/a\u003e\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $0\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e1-year CD\u003c/td\u003e\r\n\u003ctd\u003e4.10\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.50\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e5-year CD\u003c/td\u003e\r\n\u003ctd\u003e3.50\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3495515 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Ally-Bank-Logo.jpg\" width=\"100\" height=\"100\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://oc.brcclx.com/t?lid=26723544\u0026#038;tid=3390968\" target=\"_blank\" rel=\"noopener\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\u003c/label\u003e\u0026nbsp;\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nAlly Bank doesn’t have any physical branches, so all accounts must be opened online. Creating a profile takes a few minutes and opening a CD account does not require a specific minimum deposit amount.\r\n\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nAlly Bank does not allow partial withdrawals, so if you must tap into your CD before its maturity date you will receive your entire initial deposit and any interest gained, minus applicable early withdrawal penalties. These penalties vary depending on your CD’s term length:\r\n\u003cli\u003e\u003cstrong\u003eUp to 2 years:\u003c/strong\u003e 60 days of interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e2-3 years:\u003c/strong\u003e 90 days of interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e3-4 years:\u003c/strong\u003e 120 days of interest\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003e4-plus years:\u003c/strong\u003e 150 days of interest\u003c/li\u003e\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26723544\u0026#038;tid=3390968\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eAlly’s CD offerings give savers a wide range of term options. With an $0 minimum opening deposit, you can decide how much you’re ready to save. If you tap your money early, you also don’t have to worry about significant withdrawal penalties. They’ll still apply but are much lower than many competitors.\u003c/p\u003e\n\n\n\n\u003cp\u003eAlly Bank is a fully online institution with no physical branches, which means your funds are always easily accessible on the mobile app. You can access your cash for free at one of over 43,000 Allpoint ATMs around the country or receive a reimbursement of up to $10 per statement cycle if you must use an ATM from a different network. Ally also offers customers 24/7 phone, chat, and email support so you can get help anytime you need it.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAlly Bank CD rates\u003c/summary\u003e\n\u003cp\u003eWhile Ally Bank doesn’t have a required minimum deposit, you’ll need to supply a reasonable amount of funding to see a decent return on investment. Rates below are updated weekly, and end value calculations assume a $1,000 minimum deposit.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Ally Bank Standard CD rates\" aria-label=\"table\" id=\"datawrapper-chart-9TJOc\" src=\"https://datawrapper.dwcdn.net/9TJOc/5/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"599\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Ally Bank\u003c/summary\u003e\n\u003cp\u003eAlly Bank prides itself on offering a multitude of products, most of which have no monthly fees or minimum deposit requirements. Customers can do most or all of their banking in one place, with products ranging from everyday checking and savings accounts to long-term retirement planning and event mortgages.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003e0.25% APY\u003cbr\u003eNo monthly fees or overdraft fees\u003cbr\u003eGet paid up to two days early with direct deposit\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSavings accounts\u003c/td\u003e\u003ctd\u003e3.85% APY\u003cbr\u003eNo minimum deposit to open\u003cbr\u003eNo monthly fees\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMAs\u003c/td\u003e\u003ctd\u003e3.85% APY\u003cbr\u003e$0 minimum opening deposit\u003cbr\u003eNo monthly fees or overdraft fees\u003cbr\u003eInterest compounds daily\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eOther\u003c/td\u003e\u003ctd\u003eCash back credit cards\u003cbr\u003eAutomated and self-directed investing\u003cbr\u003eMortgages\u003cbr\u003eAuto loans\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Read our\u003ca href=\"https://fortune.com/recommends/article/ally-bank-review/\"\u003e Ally Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"popular\"\u003ePopular Direct 3-month CD: 4.60% APY\u003c/h2\u003e\n\n\n\n\u003cp\u003ePopular Direct is the online banking of Popular Bank, the New York-based banking subsidiary of Popular, Inc. Popular, Inc. is a publicly traded, full-service bank and is one of the 50 largest U.S. banks in terms of assets.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"popular-direct\" class=\"card-title\"\u003ePopular Direct\u003c/h3\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMinimum opening deposit:\u003c/strong\u003e $10,000\u003c/p\u003e\r\n\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003cth\u003eTerm length\u003c/th\u003e\r\n\u003cth\u003eAPY\u003c/th\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e3-month CD\u003c/td\u003e\r\n\u003ctd\u003e4.60%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e6-month CD\u003c/td\u003e\r\n\u003ctd\u003e4.45%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003e18-month CD\u003c/td\u003e\r\n\u003ctd\u003e4.10%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3495515 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Popular_Direct_logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eEligibility\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003ePopular Direct has a higher minimum deposit rate of $10,000.\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e\r\n\u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n\u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eEarly withdrawal penalties\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003eTerms less than 91 days: 89 days simple interest.\r\nTerms equal to or greater than 91 days but less than 12 months: 120 days simple interest.\r\nTerms equal to or greater than 12 months but less than 36 months: 270 days simple interest.\r\nTerms equal to or greater than 36 months but less than 60 months: 365 days simple interest.\r\nTerms equal to or greater than 60 months: 730 days simple interest.\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://oc.brcclx.com/t?lid=26723555\u0026amp;tid=3390968\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Bankrate\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhile it has a higher minimum deposit requirement of $10,000, all of Popular Direct’s CDs offer generous APYs. While its highest APY of 4.60% is on its 3-month CD, its 12- and 18-month CDs offer 4.25% and 4.10%, respectively. So whether you’re looking for a short-term or a longer-term place to store your money, Popular Direct could be a decent option as long as you have the starting capital.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003ePlus, Popular Direct offers comprehensive customer support. It can be reached by phone from 7:30 a.m. to 12:00 a.m. Monday through Friday, and Saturday and Sunday from 9:00 a.m. to 6:00 p.m. EST. It also has a very thorough self-help section on its website.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003ePopular Direct CD rates\u003c/summary\u003e\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Popular Direct CD Rates\" aria-label=\"table\" id=\"datawrapper-chart-72J7X\" src=\"https://datawrapper.dwcdn.net/72J7X/3/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"571\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eOther products offered by Popular Direct\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cbr\u003eHigh-yield savings account\u003c/td\u003e\u003ctd\u003e4.6% APY\u003cbr\u003eMinimum deposit of $100\u003cbr\u003e$100 required to earn APY\u003cbr\u003eNo monthly fee\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/popular-direct-review/\"\u003ePopular Direct review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003chr class=\"wp-block-separator has-alpha-channel-opacity\"/\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eCD rates from popular banks\u003c/h2\u003e\n\n\n\n\u003cp\u003eIf you don’t recognize many of the names listed above, don’t be alarmed—there’s a simple explanation. CDs are a type of deposit account that, on their own, don’t provide a large source of income for major financial institutions. Well-known names, such as Chase, PNC, and US Bank, don’t rely on CDs to grow their customer base and, therefore, they don’t offer large incentives to sign up for them. In many cases, they’d rather procure customers who use more profitable products, such as loans and credit cards.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTherefore, CD rates at these banks are often far lower than what you can find with a small regional bank or online institution. Take a look at these 12-month CDs:\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eAmerican Express\u003c/td\u003e\u003ctd\u003e3.85%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlliant Credit Union\u003c/td\u003e\u003ctd\u003e4.25%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCapital One\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eFirst Internet Bank\u003c/td\u003e\u003ctd\u003e4.42%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eChase\u003c/td\u003e\u003ctd\u003e0.01%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eEverbank\u003c/td\u003e\u003ctd\u003e4.00%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eDiscover\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMarcus by Goldman Sachs\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlly Bank\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eEvergreen Bank\u003c/td\u003e\u003ctd\u003e-%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003ePNC Bank\u003c/td\u003e\u003ctd\u003e0.02%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMerrick Bank\u003c/td\u003e\u003ctd\u003e4.30%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBank of America\u003c/td\u003e\u003ctd\u003e0.03%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBarclays\u003c/td\u003e\u003ctd\u003e4.25%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003cp\u003eWhile all banking institutions factor \u003ca href=\"#current-news\"\u003eFed\u003c/a\u003e decisions into their rate structures, it’s not the only criterion. Banks also evaluate their target market, consider the economic outlook of that market, and create product offerings accordingly. You certainly can pick up a CD at most major banks in the U.S. but, in many cases, the only reason to do so would be if your priority is keeping all of your banking in one spot. With a bit of research, you can often score higher rates as long as you’re not opposed to holding accounts at multiple institutions.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eCan you get a CD rate over 5%?\u003c/h2\u003e\n\n\n\n\u003cp\u003eIt is currently possible to find a certificate of deposit (CD) rate over 5%. Interest rates generally fluctuate depending on changes in the \u003ca href=\"https://fortune.com/recommends/banking/what-is-the-federal-funds-rate/\"\u003efederal funds rate\u003c/a\u003e. Over the past several months, rates have remained high as the Federal Reserve has kept the interest rate between 5.25%–5.5%. Banks are willing to offer higher CD rates when the federal rate is high because CDs are an ideal deposit product that are not easily the way that checking and savings accounts are.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eCD rates tend to fall when the Fed lowers its target interest rate, which it has hinted at doing before the end of the year. If you want to lock in a CD rate above 5%, now could be an excellent time to pull the trigger.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIt's important to note that while there are a few exceptions, most CD rates over 5% are tied to a 12-month, 18-month, or two-year term (and the ones with shorter term lengths require high initial deposits). This means that if you withdraw your funds before the term is up, you may incur early withdrawal penalties that forfeit a large portion of the accrued interest. Before you commit to a CD, make sure you can live without access to those funds for the designated time period.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"Most CDs typically auto-renew at whatever the current rate is, which might be something you don't want. Your bank should send you a reminder but, just in case, I set up alerts on my calendar right before CD maturity to remind myself to close or renew the account.\" — \u003cem\u003e\u003ca href=\"https://fortune.com/author/kristy-snyder/\" data-type=\"link\" data-id=\"https://fortune.com/author/kristy-snyder/\"\u003eKristy Snyder\u003c/a\u003e, personal finance expert and Fortune contributor\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"complete-guide\"\u003eComplete guide to CDs\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere are several terms and strategies you should familiarize yourself with in order to develop a CD strategy that works well for you. Here are some of the basics:\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat is a certificate of deposit?\u003c/h3\u003e\n\n\n\n\u003cp\u003eWith CDs, or \u003ca href=\"https://fortune.com/recommends/banking/what-is-a-certificate-of-deposit/\"\u003ecertificates of deposit\u003c/a\u003e, customers receive a fixed interest rate in exchange for tying up their money for a fixed period. Interest is typically paid on a regular basis, either daily, monthly, or quarterly.\u003c/p\u003e\n\n\n\n\u003cp\u003eAfter a CD reaches maturity—or the end of its term—you can withdraw the money you deposited initially, plus any earned interest. If you tap your money before the CD’s term is up, most CDs charge an \u003ca href=\"https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/\"\u003eearly withdrawal penalty\u003c/a\u003e, which is usually worth a few days or months of interest.\u003c/p\u003e\n\n\n\n\u003cp\u003eTypically, upon maturity, your CD is automatically renewed automatically. If you don’t want to roll over your money into a new CD, you’ll usually be given a grace period during which you can choose to withdraw your funds.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat is considered a good CD rate?\u003c/h3\u003e\n\n\n\n\u003cp\u003eA \"good\" CD rate can be somewhat subjective. That's because you need to strike a balance between the best rate available and the longest amount of time you can afford to keep your money tied up. For example, if you find a CD offering 5% APY, but it requires you to keep your money on deposit for five years, the interest rate may not be worth it. You might need your money sooner or rates could go higher while you're stuck earning a lower return.\u003c/p\u003e\n\n\n\n\u003cp\u003eGenerally, a CD rate that's above the national average is a solid choice. Before \u003ca href=\"https://fortune.com/recommends/banking/are-cds-worth-it-right-now/\"\u003edeciding if a CD is worth it\u003c/a\u003e, compare accounts from multiple banks and see which one offers the highest rate for the term length you want.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eHow are CD rates determined?\u003c/h3\u003e\n\n\n\n\u003cp\u003eCD rates are set by your individual bank or financial institution. Although, there are several factors that can influence these rates. This includes the length of your CD term (longer-term CDs usually offer higher rates than shorter-term ones) and type of CD, the amount of your initial deposit (some CDs offer tiered interest rates), benchmark interest rates set by the Federal Reserve, and temporary promotional offers offered by your financial institution.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eWhat is the APY on a CD?\u003c/h3\u003e\n\n\n\n\u003cp\u003eAPY stands for \"annual percentage yield.\" It's a way to calculate the total amount of interest that you can earn on an investment such as a CD in one year, taking into account the effect of compounding interest.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe APY of a CD will depend on the interest rate offered by the bank or financial institution, the frequency of compounding (daily, monthly, annually, and so on), and the length of the term of the CD.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"cd-ladder\"\u003eWhat are CD ladders and how do they work?\u003c/h3\u003e\n\n\n\n\u003cp\u003eFor savers who are on the fence about locking away their funds in a CD for an extended amount of time, you’re not alone. While some CDs offer terms that are just a few months long, other CDs take years to mature—usually, you earn a higher rate with these CDs, but you’ll have to part with your money for longer.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOne way to score the benefits of both short and long-term CDs is to set up a \u003ca href=\"https://fortune.com/recommends/banking/what-is-a-cd-ladder/\"\u003eCD ladder\u003c/a\u003e. This is a\u003ca href=\"https://fortune.com/recommends/banking/how-to-save-money/\"\u003e savings strategy\u003c/a\u003e where you split your savings between several CDs of varying maturities.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eHere’s how a CD ladder works: If you want to invest $3,000, you would invest $1,000 each in three CDs of staggering maturities—let’s say \u003ca href=\"https://fortune.com/recommends/banking/best-1-year-cd-rates/\"\u003eone-year\u003c/a\u003e, two-year, and three-year. When each CD matures, you reinvest that money in a 3-year CD. That way you have access to cash every year.\u0026nbsp;\u0026nbsp;\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"If you want to earn interest on your cash but also need to maintain liquidity for emergencies or opportunities, consider creating a CD ladder. Once established, this rolling savings vehicle allows you to earn competitive interest on your cash while also keeping a portion of your savings accessible at regular intervals.\" — \u003cem\u003e\u003ca href=\"https://fortune.com/author/stephanie-colestock/\"\u003eStephanie Colestock\u003c/a\u003e, Fortune contributor\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eDo I have to pay taxes on CD interest?\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you opt for a CD as your primary savings vehicle, you should be aware that interest earned on the funds you deposit is considered \u003ca href=\"https://fortune.com/recommends/investing/how-is-interest-income-taxed/\"\u003etaxable interest\u003c/a\u003e by the IRS. The interest you earn is subject to federal and state income tax.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYour financial institution will typically send you a 1099-INT statement for any interest earned over $10, and the amount you owe will depend on how much interest you’ve earned and your tax bracket.\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you withdraw funds from your CD early, you can also expect to see those penalties on your 1099-INT form.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eIs a certificate of deposit considered a safe investment?\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/banking/are-cds-safe/\"\u003eCertificates of deposit are considered safe\u003c/a\u003e investments so long as they are helped by FDIC- or NCUA-insured financial institutions which insure your deposits up to $250,000 per depositor, per bank, for each account ownership category or up to $250,000 per share owner, per insured credit union, for each account ownership category.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eTypes of CDs\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere are various \u003ca href=\"https://fortune.com/recommends/banking/which-cd-should-i-choose/\"\u003etypes of CDs\u003c/a\u003e you can choose from depending on how much money you’d like to deposit into your CD, whether you’d prefer to have access to your money before maturity, and more. A few of the most common types of CDs include:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBrokered CDs\u003c/summary\u003e\n\u003cp\u003eBrokered CDs are purchased and sold through a brokerage account rather than through a bank or credit union.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThese CDs are usually issued by banks and then sold to brokerages, which then offer them to customers at higher APYs than traditional CDs.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou’ll also get greater flexibility with a brokered CD: Rather than pay an early withdrawal penalty, you can access your cash early by selling your brokered CD on a secondary market. However, in doing so you open yourself to interest rate risk.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you sell your brokered CD after interest rates have risen, your CD, with a lower rate, will be less valuable to investors, and you may lose money when you sell it.\u003c/p\u003e\n\n\n\n\u003cp\u003eSome brokered CDs may have a call feature too.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCallable CDs\u003c/summary\u003e\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/banking/what-is-a-callable-cd/\"\u003eCallable CDs\u003c/a\u003e have a call feature that allows the financial institution that issued them to terminate the CD before it reaches maturity. When this happens, the investor keeps the principal and any interest they accrued up to that point.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eTypically, a financial institution calls a CD when interest rates drop because it can offer lower interest rates on newly issued CDs. After your CD is called, you’ll have to reinvest your funds at a lower rate—this is known as reinvestment risk. Due to this risk, callable CDs usually offer higher APYs than CDs without a call feature.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eBump-up CDs\u003c/summary\u003e\n\u003cp\u003eWith a bump-up CD, you can request an APY on your CD if interest rates rise after you've opened your account. Typically, you’ll be eligible to increase the rate on your CD once or twice during the term.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eNo-penalty CDs\u003c/summary\u003e\n\u003cp\u003eThis type of CD does not charge a penalty for withdrawing funds before your CD reaches maturity. This type of CD is less common than other CD types and may also offer lower APYs than traditional CDs.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eCompare: \u003c/strong\u003e\u003ca href=\"https://fortune.com/recommends/banking/no-penalty-cd-vs-savings-account/\"\u003eNo-penalty CDs vs. savings accounts\u003c/a\u003e\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eJumbo CDs\u003c/summary\u003e\n\u003cp\u003eJumbo CDs typically require a minimum opening deposit of at least $100,000 but usually offer higher APYs than traditional CDs.\u0026nbsp;\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eVariable-rate CDs\u003c/summary\u003e\n\u003cp\u003eWith a variable-rate CD, the APY fluctuates based on the interest rate. These CDs are riskier than traditional CDs because if interest rates drop before the CD reaches maturity, you can receive a lower interest rate.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-choose\"\u003eHow to choose the best CD\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eEvery CD is a little different, so you’ll want to pay close attention to the account features and fine print before deciding \u003ca href=\"https://fortune.com/recommends/banking/traditional-savings-account/\"\u003ewhere to put your savings\u003c/a\u003e. You’ll want to consider a few factors when \u003ca href=\"https://fortune.com/recommends/banking/which-cd-should-i-choose/\"\u003echoosing a CD\u003c/a\u003e:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eTerm length:\u003c/strong\u003e Your CD’s term length tells you how long it takes to mature. CD term lengths can be as short as one week or as long as 10 years. Choose a term length that meets your needs and aligns with your financial goals.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eAPY: \u003c/strong\u003eThe annual percentage yield on your account significantly affects how much your money will grow. The higher the rate, the more you can expect to earn in interest. Typically, the best CD rates are applied to longer term lengths.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum deposit:\u003c/strong\u003e Most, but not all, banks and credit unions require that you invest a minimum amount of money to open a CD. The minimum opening deposit can range from a few dollars to thousands. Most CDs require depositing a lump sum and don’t allow additional contributions. Make sure you can meet the minimum opening deposit requirement.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003ePenalties:\u003c/strong\u003e Not all CDs carry \u003ca href=\"https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/\"\u003eearly withdrawal penalties\u003c/a\u003e, but if yours does, you could lose out on your earned interest and some of your principal balance. You may not be able to plan for an early withdrawal, but it’s good to know the penalty if you need to touch your money early.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eDeposit insurance:\u003c/strong\u003e \u003ca href=\"https://fortune.com/recommends/article/credit-union-vs-bank/\"\u003eFDIC and NCUA insurance\u003c/a\u003e provides depositors with \u003ca href=\"https://fortune.com/recommends/banking/what-is-fdic-insurance/\"\u003einsurance coverage\u003c/a\u003e if their bank or credit union fails—up to $250,000 per depositor or share owner. Double-check that your account is insured to protect your money if there’s a \u003ca href=\"https://fortune.com/recommends/banking/what-happens-when-a-bank-fails/\"\u003ebank failure\u003c/a\u003e.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eCD calculator: how to determine CD earnings potential\u003c/h3\u003e\n\n\n\n\u003cp\u003eTo \u003ca href=\"https://fortune.com/recommends/banking/how-much-interest-youd-earn-by-investing-10000-in-a-1-year-cd/\"\u003ecalculate your earnings from a CD\u003c/a\u003e, you’ll need to use the following formula: P(1+R/N)(NT) = A. Where “A” represents the value of your CD, including interest. \"P\" is equal to your principal balance or initial deposit. \"R\" represents your yearly interest rate―in this case, it would be your APY. \"N\" represents the compound frequency of your CD in a given year, and \"T\" represents the number of years until your CD’s maturity date. Let’s illustrate this with an example:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eInitial deposit “P” = $500\u003c/li\u003e\n\n\n\n\u003cli\u003eAPY “R” = 5.15%\u003c/li\u003e\n\n\n\n\u003cli\u003eMonthly compound frequency “N” = 12\u003c/li\u003e\n\n\n\n\u003cli\u003eNumber of years until maturity “T” = 1\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eOur equation would turn out like this:\u003c/p\u003e\n\n\n\n\u003cp\u003e500 x ((1+(5.15/12)) x (12 x 1)) = \u003cstrong\u003e$526.37\u003c/strong\u003e\u003c/p\u003e\n\n\n\n\u003cp\u003eSo, if you deposit $500 into a 12-month CD with an interest rate of 5.15% that compounds monthly, you could expect to withdraw about $526 at the end of the term.\u003c/p\u003e\n\n\n\n\u003cp\u003eTo calculate rates accurately, you may need to do a bit of extra math to determine your variables. For example, if the term length is under a year, you’ll need to determine what percentage of “1” to use for the variable “T.” A three-month term would be 0.25, a six-month term would be 0.5, and so forth. Here are more examples that calculate the end value of a CD with a $500 opening deposit and 5% APY:\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group comparison-table-group-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003cfigure class=\"wp-block-table comparison-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eCompounding method\u003c/th\u003e\u003cth\u003eTerm length\u003c/th\u003e\u003cth\u003eFinal value\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMonthly\u003c/td\u003e\u003ctd\u003e6 months\u003c/td\u003e\u003ctd\u003e$512.63\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eDaily\u003c/td\u003e\u003ctd\u003e6 months\u003c/td\u003e\u003ctd\u003e$512.66\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eDaily\u003c/td\u003e\u003ctd\u003e12 months\u003c/td\u003e\u003ctd\u003e$525.63\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMonthly\u003c/td\u003e\u003ctd\u003e12 months\u003c/td\u003e\u003ctd\u003e$525.58\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMonthly\u003c/td\u003e\u003ctd\u003e18 months\u003c/td\u003e\u003ctd\u003e$538.86\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAnnually\u003c/td\u003e\u003ctd\u003e2 years\u003c/td\u003e\u003ctd\u003e$551.25\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003ctd\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"pros-and-cons\"\u003ePros and cons of CDs\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile CDs can be attractive for their high interest rates, they aren’t a perfect fit for everyone. Let’s review some of the \u003ca href=\"https://fortune.com/recommends/investing/pros-and-cons-of-certificates-of-deposit/\"\u003epros and cons\u003c/a\u003e.\u003c/p\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eHigher APY than other savings vehicles\u003c/li\u003e\n\u003cli\u003eFixed rates\u003c/li\u003e\n\u003cli\u003eFlexible term options\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eReturns not as high as investing in stocks or some other asset classes\u003c/li\u003e\n\u003cli\u003eAPY is locked in and doesn’t account for inflation\u003c/li\u003e\n\u003cli\u003eCDs are illiquid, so you cannot easily access funds without penalties\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alternatives\"\u003eAlternatives to CDs\u003c/h2\u003e\n\n\n\n\u003cp\u003eCDs differ from other \u003ca href=\"https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/\"\u003esavings accounts\u003c/a\u003e in a few key ways. This type of account not only functions differently, but it may be better suited for a certain type of consumer who is saving for a goal with a specific timeline.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eAccess to your savings: \u003c/strong\u003eCDs don’t offer the same level of access to your savings that a \u003ca href=\"https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/\"\u003etraditional savings account\u003c/a\u003e or MMA would. Once you agree to your CD term, your money will sit, untouched, and accrue interest for the duration of your term until your CD hits maturity. Making a withdrawal early would result in an \u003ca href=\"https://fortune.com/recommends/banking/cd-early-withdrawal-penalty/\"\u003eearly withdrawal penalty\u003c/a\u003e.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCDs usually offer higher APYs at a fixed rate: \u003c/strong\u003eOne of the major selling points for a CD account is that, typically, CDs offer a fixed APY at a higher rate than other types of savings vehicles. That means that you’ll be able to take advantage of a higher rate for an extended period of time, and you’ll have the peace of mind knowing that once you’ve locked in your rate, your APY won’t fluctuate during your term in response to external factors, such as federal funds rate increases.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eCDs vs. high-yield savings accounts\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/\"\u003eHigh-yield savings accounts\u003c/a\u003e work in the same way as traditional savings accounts. It’s a deposit account at a credit union or bank that you can use for saving and earning interest on your money—usually at a higher rate. This type of savings account differs from CDs in that they offer greater access to your funds, rather than requiring you to lock away your funds for a set amount of time. As such, there's no penalty for making withdrawals.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Compare \u003ca href=\"https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/\"\u003eCDs vs. savings accounts\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003ePro tip\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"CDs are some of my favorite savings tools, especially as someone who’s easily tempted to overspend. Being able to 'hide' my savings somewhere that I can’t touch allows me to meet my financial goals better and earn interest in the process.\" \u003cem\u003e— \u003ca href=\"https://fortune.com/author/stephanie-colestock/\" data-type=\"link\" data-id=\"https://fortune.com/author/stephanie-colestock/\"\u003eStephanie Colestock\u003c/a\u003e, Certified Financial Education Instructor (CFEI)\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eCDs vs. money market accounts\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003eMoney market accounts\u003c/a\u003e function as a hybrid between savings accounts and checking accounts. Similar to CDs, these accounts typically offer much higher APYs than checking accounts, but may still offer some of the same features including check writing, debit card access, and the ability to make withdrawals and deposits via ATM. Like a CD, this type of account may also be of interest to savers who have the ability to make a larger opening deposit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eCompare \u003ca href=\"https://fortune.com/recommends/banking/cds-vs-money-market-accounts/\"\u003eCDs vs. money market accounts\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"rates-by-state\"\u003eCD rates by state\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile many banks are available nationwide, there are also hundreds of smaller institutions that may only serve customers in a more localized region. Here are the banks in each U.S. state with the highest CD rates.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Top CD rates by state\" aria-label=\"Table\" id=\"datawrapper-chart-fPvAT\" src=\"https://datawrapper.dwcdn.net/fPvAT/9/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"594\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eView CD rates in:\u003c/strong\u003e\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"https://fortune.com/recommends/banking/cd-rates-california/\" data-type=\"link\" data-id=\"https://fortune.com/recommends/banking/cd-rates-california/\"\u003eCalifornia\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003ca href=\"https://fortune.com/recommends/banking/cd-rates-florida/\"\u003eFlorida\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003ca href=\"https://fortune.com/recommends/banking/cd-rates-new-jersey/\"\u003eNew Jersey\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003ca href=\"https://fortune.com/recommends/banking/cd-rates-new-york/\"\u003eNew York\u003c/a\u003e\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003ca href=\"https://fortune.com/recommends/banking/cd-rates-texas/\"\u003eTexas\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003eOur methodology\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Fortune Recommends\u003csup\u003eTM\u003c/sup\u003e team compared CDs from more than 60 major banks, credit unions, and online-only banks. Our top picks are available to customers across the U.S. no matter where you’re located, subject to the terms of each CD.\u003c/p\u003e\n\n\n\n\u003cp\u003eFor our best overall CD rates, we ranked CD products in the following categories and weighted each one as outlined in the percentages below:\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best certificates of deposit: Our methodology\" aria-label=\"pies-title\" id=\"datawrapper-chart-LE4ap\" src=\"https://datawrapper.dwcdn.net/LE4ap/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"465\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eNumber of terms with above-average rates (60%): \u003c/strong\u003eTo determine which banks had the best rates, we looked at whether they offered above-average APYs on a wide range of term lengths.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum deposit requirement (20%):\u003c/strong\u003e To open a CD at any financial institution, the institution will require that you deposit a minimum dollar amount. We thought a lower minimum was preferable and rated banks with lower minimum deposit requirements higher.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eNumber of terms offered (15%): \u003c/strong\u003eWhen you opt for a bank or credit union that offers a wide array of CD terms, you have a greater chance of finding a CD that aligns with your investment horizon. We evaluated financial institutions based on the number of CD terms they provide. Banks with more CD terms ranked higher.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer service (5%):\u003c/strong\u003e Top picks offer customers three ways to get in contact: chat support, by phone, or email. Among the three options, we gave phone support the most weight.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eWe didn’t include brokered CDs on our list, which are riskier because they are sold on the secondary market through brokerages.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eCD rates, fees, and minimum deposit requirements may be limited-time offers, and APYs are subject to change. The FDIC or NCUA insures all the banks and credit unions on this list. Terminating your CD before it matures may incur a penalty fee, which varies by bank and credit union.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eDig deeper:\u003c/strong\u003e learn more about our \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"ed375ef3-c83b-43c1-8a5a-57347a4e9d42\" data-campaign=\"fortune-cds-multi\" data-sub-id=\"cds-multi-cc\"\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"FAQs\"\u003eFrequently asked questions\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWho is paying the highest CD rates right now?\u003c/summary\u003e\n\u003cp\u003eRight now, Quontic, Bask Bank, and Citibank are offering the highest APYs on their 3-month CDs. For savers looking for longer term lengths, Colorado Federal Savings Bank and First National Bank of America are offering high APYs on their 1-year term lengths, at 4.50% and 4.26%, respectively.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eQuontic Bank\u003c/td\u003e\u003ctd\u003e4.95% on a 3-month CD\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBask Bank\u003c/td\u003e\u003ctd\u003e4.65% on a 3-month CD\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCitibank\u003c/td\u003e\u003ctd\u003e4.45% on a 3-month CD\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eUMB Bank\u003c/td\u003e\u003ctd\u003e0.05% on a 3-month CD\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eIn which situation would a certificate of deposit (CD) be the best banking choice? \u003c/summary\u003e\n\u003cp\u003eA CD may be the best banking choice for you if you are saving for a long-term goal with a specific timeline in mind. To avoid early withdrawal penalties or potentially forfeiting any interest earned on the funds in your CD, you want to be sure that you won't need access to your money before your CD's maturity date. \u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCan you add money to a CD? \u003c/summary\u003e\n\u003cp\u003eWhen you invest in a CD, you typically deposit one lump sum and then leave it alone until the account reaches maturity. However, some financial institutions offer special types of \"add-on\" CDs that allow you to deposit additional funds after the initial deposit. The amount and frequency of deposits you're allowed to make depend on the particular account.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow often do current CD rates change?\u003c/summary\u003e\n\u003cp\u003eBanks and credit unions update current CD rates based on market conditions. These rates typically receive an update no more frequently than weekly, although some don't do so for months.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eIs now a good time to lock in a CD?\u003c/summary\u003e\n\u003cp\u003eCD rates are the highest they've been in years, but they're starting to fall with the Fed's rate change. So, yes, it's a good time to put your money in a CD, but hurry if you want to lock in your money at a top rate.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAre CDs FDIC insured?\u003c/summary\u003e\n\u003cp\u003eYes, certificates of deposit are insured by the Federal Deposit Insurance Corp. (FDIC). The FDIC insures all its members’ bank accounts, including savings, money market accounts, and CDs, up to $250,000 per customer per bank. Therefore, in the rare case of a bank failure, your money stays safe. If you take out a CD with a credit union, make sure it’s insured through the National Credit Union Administration (NCUA)—a similar institution to the FDIC that insures credit unions.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy should you put $15,000 into a 1 year CD now?\u003c/summary\u003e\n\u003cp\u003eIf you have $15,000 to lock up for a year in a CD, now could be a good time to do it. CD rates are \u003cem\u003ejust\u003c/em\u003e starting to drop in response to the fed's hints that it'll lower interest rates at least once this year, so if you've been thinking about a CD, now is the time to act.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAre short-term or long-term CD rates better?\u003c/summary\u003e\n\u003cp\u003eGenerally speaking, long-term CDs offer higher interest rates than short-term CDs—think of it as a reward for committing your money for a longer period. However, this is not always the case. When the yield curve inverts, short-term CDs boast higher rates than long-term CDs. Overall, whether it's better to choose a short-term or long-term CD depends on your goals and the current interest rate environment. Learn more about how to invest in CDs in our guide.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eAre CDs good during inflation?\u003c/summary\u003e\n\u003cp\u003eCDs can be a good investment when inflation is high, but since interest rates tend to rise and fall with the inflation rate, you might be breaking even when you account for taxes too. For example, when inflation is high, the Federal Reserve will raise interest rates to curb demand and reduce inflation. While you’ll score a higher APY on a CD, the high inflation rate could wipe out most of the returns you get from the CD. Note that since CDs usually offer higher interest rates than checking accounts and traditional savings accounts, CDs can help you better outpace inflation than other deposit accounts. Plus, you can lock in rates with CDs.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\r\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\r\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\r\n\r\n\r\n\r\n\u003cul\u003e\r\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/banking/best-checking-account-bonuses/\"\u003ebest checking account bonuses\u003c/a\u003e can give savers a boost on their balances.\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eMaximize your returns with one of the \u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/\"\u003ebest high-yield savings accounts\u003c/a\u003e.\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/banking/best-savings-accounts/\"\u003ebest savings accounts\u003c/a\u003e earn better returns on your hard-earned cash.\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eCheck out our ranking of the \u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003ebest money market accounts\u003c/a\u003e.\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eBuried in debt? The \u003ca href=\"https://fortune.com/recommends/loans/best-debt-relief-companies/\"\u003ebest debt relief companies\u003c/a\u003e can give you a hand.\u003c/li\u003e\r\n\r\n\r\n\r\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/banking/best-1-year-cd-rates/\"\u003ebest 1-year CD rates\u003c/a\u003e ranking can help you earn a high APY on a 12-month deposit.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e","databaseId":3390968,"dateGmt":"2024-05-10T15:24:36","dek":"","description":"Don’t sleep on these great CD rates—many CDs yield nearly 5% APY. See which CDs made the cut.","faq":[{"answer":"Right now, Quontic, Bask Bank, and Citibank are offering the highest APYs on their 3-month CDs. For savers looking for longer term lengths, Colorado Federal Savings Bank and First National Bank of America are offering high APYs on their 1-year term lengths, at 4.50% and 4.52%, respectively.\n\nQuontic Bank 4.95% on a 3-month CD\nBask Bank 4.90% on a 3-month CD\nCitibank 0.05% on a 3-month CD\nUMB Bank 0.05% on a 3-month CD","question":"Who is paying the highest CD rates right now?","__typename":"FaqField"},{"answer":"A CD may be the best banking choice for you if you are saving for a long-term goal with a specific timeline in mind. To avoid early withdrawal penalties or potentially forfeiting any interest earned on the funds in your CD, you want to be sure that you won't need access to your money before your CD's maturity date.","question":"In which situation would a certificate of deposit (CD) be the best banking choice?","__typename":"FaqField"},{"answer":"When you invest in a CD, you typically deposit one lump sum and then leave it alone until the account reaches maturity. However, some financial institutions offer special types of \"add-on\" CDs that allow you to deposit additional funds after the initial deposit. The amount and frequency of deposits you're allowed to make depend on the particular account.","question":"Can you add money to a CD?","__typename":"FaqField"},{"answer":"Banks and credit unions update current CD rates based on market conditions. These rates typically receive an update no more frequently than weekly, although some don't do so for months.","question":"How often do current CD rates change?","__typename":"FaqField"},{"answer":"CD rates are the highest they've been in years, but they're starting to fall with the Fed's rate change. So, yes, it's a good time to put your money in a CD, but hurry if you want to lock in your money at a top rate.","question":"Is now a good time to lock in a CD?","__typename":"FaqField"},{"answer":"Yes, certificates of deposit are insured by the Federal Deposit Insurance Corp. (FDIC). The FDIC insures all its members’ bank accounts, including savings, money market accounts, and CDs, up to $250,000 per customer per bank. Therefore, in the rare case of a bank failure, your money stays safe. If you take out a CD with a credit union, make sure it’s insured through the National Credit Union Administration (NCUA)—a similar institution to the FDIC that insures credit unions.","question":"Are CDs FDIC insured?","__typename":"FaqField"},{"answer":"If you have $15,000 to lock up for a year in a CD, now could be a good time to do it. CD rates are just starting to drop in response to the fed's hints that it'll lower interest rates at least once this year, so if you've been thinking about a CD, now is the time to act.","question":"Why should you put $15,000 into a 1 year CD now?","__typename":"FaqField"},{"answer":"Generally speaking, long-term CDs offer higher interest rates than short-term CDs—think of it as a reward for committing your money for a longer period. However, this is not always the case. When the yield curve inverts, short-term CDs boast higher rates than long-term CDs. Overall, whether it's better to choose a short-term or long-term CD depends on your goals and the current interest rate environment. Learn more about how to invest in CDs in our guide.","question":"Are short-term or long-term CD rates better?","__typename":"FaqField"},{"answer":"CDs can be a good investment when inflation is high, but since interest rates tend to rise and fall with the inflation rate, you might be breaking even when you account for taxes too. For example, when inflation is high, the Federal Reserve will raise interest rates to curb demand and reduce inflation. While you’ll score a higher APY on a CD, the high inflation rate could wipe out most of the returns you get from the CD. Note that since CDs usually offer higher interest rates than checking accounts and traditional savings accounts, CDs can help you better outpace inflation than other deposit accounts. Plus, you can lock in rates with CDs.","question":"Are CDs good during inflation?","__typename":"FaqField"}],"featuredMediaType":"no_video","floatingNavContent":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#Highest-CD-Rates-by-term-length\"\u003eHighest CD rates by term length\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#current-news\"\u003eCurrent news on CD rates\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#best-cd-rates\"\u003eThe 10 best CD rates overall\u003c/a\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#discover\"\u003eDiscover\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#mysb\"\u003eMYSB Direct\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#everbank\"\u003eEverBank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#bread\"\u003eBread Savings\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#alliant\"\u003eAlliant Credit Union\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#capone\"\u003eCapital One 360\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#synchrony\"\u003eSynchrony Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#first-national\"\u003eFirst National Bank of America\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#ally\"\u003eAlly Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#popular\"\u003ePopular Direct\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#complete-guide\"\u003eComplete guide to CDs\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-choose\"\u003eHow to choose the best CD\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#pros-and-cons\"\u003ePros \u0026amp; cons of CDs\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#alternatives\"\u003eAlternatives to CDs\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#rates-by-state\"\u003eRates by state\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003eOur methodology\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#FAQs\"\u003eFrequently asked questions\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozMzkwOTY4","image":"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?resize=1200,600","imageCaption":"The best CD rates are now well over 5%. ","imageCredit":"Illustration by Tim Boelaars","keywords":"","link":"https://fortune.com/recommends/banking/the-best-cd-rates/","metaTitle":"The 10 best CD rates for November 2024: earn up to 5%","modifiedGmt":"2024-11-26T13:32:04","pageType":"evergreen","platformCD":"recommends","postId":3390968,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"Follow Fortune Recommends on \u003ca href=\"https://www.linkedin.com/showcase/fortunerecommends/\" target=\"_blank\" rel=\"noopener\"\u003eLinkedIn,\u003c/a\u003e \u003ca href=\"https://twitter.com/fortunerecs\" target=\"_blank\" rel=\"noopener\"\u003eX\u003c/a\u003e, and \u003ca href=\"https://www.tiktok.com/@fortunerecs\"\u003eTikTok\u003c/a\u003e.","bylineCommentary":null,"mediaItem":{"altText":"Blue bars surrounded by orange cirlcles","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"Certificates of Deposit (CDs)","primaryTagId":447854074,"link":"https://fortune.com/tag/certificates-of-deposit/","uri":"/tag/certificates-of-deposit/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Banking","primarySectionId":447854038,"link":"https://fortune.com/recommends/banking/","uri":"/recommends/banking/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=150","name":"Cassie Bottorff","role":"Editor, Business \u0026 Banking","shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eCassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. \u003c/span\u003e\u003c/p\u003e\n","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/cassie-bottorff/","twitterUrl":"https://x.com/cassandra_glenn","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/cassie-bottorff/"},"sectionNames":["Banking","CDs"],"sections":[{"name":"Banking","sectionId":447854038,"slug":"banking","__typename":"BrandedArticleClassificationSectionFieldsFields"},{"name":"CDs","sectionId":447863944,"slug":"cds","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"These CDs are FDIC-insured, so you can earn a hefty amount of interest while keeping your money safe.","socialTitle":"Want a risk-free investment that earns up to 5% a year? Try these CDs.","stickyCta":null,"tagNames":["APY","banks","Best-of","Certificates of Deposit (CDs)","Editor's Picks","no copyright","Rankings and Roundups"],"tags":[{"name":"APY","tagId":447854075,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"banks","tagId":19039,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Best-of","tagId":447854062,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Certificates of Deposit (CDs)","tagId":447854074,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Editor's Picks","tagId":447851104,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"no copyright","tagId":447849520,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Rankings and Roundups","tagId":447865369,"__typename":"BrandedArticleClassificationTagFieldsFields"}],"templateType":"landing_page","thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg","title":"The 10 best CD rates for November 2024: Earn up to 4.75%","topicNames":[],"topics":[],"url":"https://fortune.com/recommends/banking/the-best-cd-rates/","videoId":null,"widgetCss":null},"dataLayer":{"pageTypeCG":"article","platformCD":"recommends","articleNameCD":"The 10 best CD rates for November 2024: Earn up to 4.75%","authorNameCD":["Abigail Rueger"],"categoryCG":"banking","cmsCategoryCD":"evergreen","CMSSubCategoryCD":["APY","banks","Best-of","Certificates of Deposit (CDs)","Editor's Picks","no copyright","Rankings and Roundups"],"contentCMSID":3390968,"HasVideoCD":false,"premiumCategoryCD":"F-Search","publishDateCD":"May 10, 2024","subCategoryCG":["Banking","CDs"],"articleCategoryCD":"banking"},"headData":{"authors":"","canonicalUrl":null,"databaseId":"3390968","dateGmt":"2024-05-10T15:24:36","description":"Don’t sleep on these great CD rates—many CDs yield nearly 5% APY. See which CDs made the cut.","faqSchema":"{\"@context\":\"https://schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Right now, Quontic, Bask Bank, and Citibank are offering the highest APYs on their 3-month CDs. For savers looking for longer term lengths, Colorado Federal Savings Bank and First National Bank of America are offering high APYs on their 1-year term lengths, at 4.50% and 4.52%, respectively.\\n\\nQuontic Bank 4.95% on a 3-month CD\\nBask Bank 4.90% on a 3-month CD\\nCitibank 0.05% on a 3-month CD\\nUMB Bank 0.05% on a 3-month CD\"},\"name\":\"Who is paying the highest CD rates right now?\"},{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A CD may be the best banking choice for you if you are saving for a long-term goal with a specific timeline in mind. To avoid early withdrawal penalties or potentially forfeiting any interest earned on the funds in your CD, you want to be sure that you won't need access to your money before your CD's maturity date.\"},\"name\":\"In which situation would a certificate of deposit (CD) be the best banking choice?\"},{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"When you invest in a CD, you typically deposit one lump sum and then leave it alone until the account reaches maturity. However, some financial institutions offer special types of \\\"add-on\\\" CDs that allow you to deposit additional funds after the initial deposit. The amount and frequency of deposits you're allowed to make depend on the particular account.\"},\"name\":\"Can you add money to a CD?\"},{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Banks and credit unions update current CD rates based on market conditions. These rates typically receive an update no more frequently than weekly, although some don't do so for months.\"},\"name\":\"How often do current CD rates change?\"},{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"CD rates are the highest they've been in years, but they're starting to fall with the Fed's rate change. So, yes, it's a good time to put your money in a CD, but hurry if you want to lock in your money at a top rate.\"},\"name\":\"Is now a good time to lock in a CD?\"},{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, certificates of deposit are insured by the Federal Deposit Insurance Corp. (FDIC). The FDIC insures all its members’ bank accounts, including savings, money market accounts, and CDs, up to $250,000 per customer per bank. Therefore, in the rare case of a bank failure, your money stays safe. If you take out a CD with a credit union, make sure it’s insured through the National Credit Union Administration (NCUA)—a similar institution to the FDIC that insures credit unions.\"},\"name\":\"Are CDs FDIC insured?\"},{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you have $15,000 to lock up for a year in a CD, now could be a good time to do it. CD rates are just starting to drop in response to the fed's hints that it'll lower interest rates at least once this year, so if you've been thinking about a CD, now is the time to act.\"},\"name\":\"Why should you put $15,000 into a 1 year CD now?\"},{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Generally speaking, long-term CDs offer higher interest rates than short-term CDs—think of it as a reward for committing your money for a longer period. However, this is not always the case. When the yield curve inverts, short-term CDs boast higher rates than long-term CDs. Overall, whether it's better to choose a short-term or long-term CD depends on your goals and the current interest rate environment. Learn more about how to invest in CDs in our guide.\"},\"name\":\"Are short-term or long-term CD rates better?\"},{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"CDs can be a good investment when inflation is high, but since interest rates tend to rise and fall with the inflation rate, you might be breaking even when you account for taxes too. For example, when inflation is high, the Federal Reserve will raise interest rates to curb demand and reduce inflation. While you’ll score a higher APY on a CD, the high inflation rate could wipe out most of the returns you get from the CD. Note that since CDs usually offer higher interest rates than checking accounts and traditional savings accounts, CDs can help you better outpace inflation than other deposit accounts. Plus, you can lock in rates with CDs.\"},\"name\":\"Are CDs good during inflation?\"}]}","image":"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?resize=1200,600","imageTwitter":"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?resize=1200,600","jsonLdSchema":"[{\"@type\":\"Article\",\"@context\":[\"https://schema.org\"],\"publisher\":{\"@type\":\"Organization\",\"address\":{\"@type\":\"PostalAddress\",\"addressCountry\":{\"@type\":\"Country\",\"name\":\"US\"},\"addressLocality\":\"New York\",\"addressRegion\":\"NY\",\"postalCode\":\"10038\",\"streetAddress\":\"40 Fulton Street\"},\"brand\":{\"@type\":\"Brand\",\"name\":\"Fortune\"},\"founder\":{\"@type\":\"Person\",\"name\":\"Henry Robinson Luce\"},\"foundingDate\":\"1929-02\",\"legalName\":\"Fortune Media (USA) Corporation\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https://fortune.com/static/media/logo.png\"},\"name\":\"Fortune\",\"publishingPrinciples\":\"https://fortune.com/about-us/\",\"sameAs\":[\"https://en.wikipedia.org/wiki/Fortune_(magazine)\",\"https://www.facebook.com/FortuneMagazine/\",\"https://www.linkedin.com/company/fortune-magazine/\",\"https://www.instagram.com/fortunemag/\",\"https://www.pinterest.com/fortunemagazine/\",\"https://twitter.com/FortuneMagazine/\"],\"url\":\"https://fortune.com/\"},\"headline\":\"The 10 best CD rates for November 2024: Earn up to 4.75%\",\"url\":\"https://fortune.com/recommends/banking/the-best-cd-rates/\",\"mainEntityOfPage\":\"https://fortune.com/recommends/banking/the-best-cd-rates/\",\"dateModified\":\"2024-11-26T13:32:04-00:00\",\"datePublished\":\"2024-05-10T15:24:36-00:00\",\"identifier\":3390968,\"thumbnailUrl\":\"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg\",\"image\":\"https://fortune.com/img-assets/wp-content/uploads/2022/10/Recommends_Best-overall-CD-rates.jpg?resize=1200,600\",\"author\":[{\"@type\":\"Person\",\"name\":\"Abigail Rueger\",\"url\":\"https://fortune.com/author/abigail-rueger/\",\"email\":\"abigail.rueger@fortune.com\",\"image\":\"https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=150\"}],\"keywords\":[\"APY\",\"banks\",\"Best-of\",\"Certificates of Deposit (CDs)\",\"Editor's Picks\",\"no copyright\",\"Rankings and Roundups\"],\"articleSection\":\"Banking\",\"description\":\"Don’t sleep on these great CD rates—many CDs yield nearly 5% APY. See which CDs made the cut.\"},{\"@type\":\"BreadcrumbList\",\"@context\":[\"https://schema.org\"],\"itemListElement\":[{\"@type\":\"ListItem\",\"item\":\"https://fortune.comhttps://fortune.com/recommends/personal-finance/\",\"name\":\"PERSONAL FINANCE\",\"position\":1},{\"@type\":\"ListItem\",\"item\":\"https://fortune.com/recommends/banking/\",\"name\":\"BANKING\",\"position\":2},{\"@type\":\"ListItem\",\"item\":null,\"name\":\"THE 10 BEST CD RATES FOR NOVEMBER 2024: EARN UP TO 5%\",\"position\":3}]}]","keywords":"","link":"https://fortune.com/recommends/banking/the-best-cd-rates/","noIndex":null,"pageType":"evergreen","prefixedDatabaseId":null,"premiumCategory":"F-Search","primarySection":"Banking","rssFeedLink":"https://fortune.com/feed/fortune-feeds/?id=3656532","siteName":"Fortune Recommends","socialDescription":"These CDs are FDIC-insured, so you can earn a hefty amount of interest while keeping your money safe.","socialTitle":"Want a risk-free investment that earns up to 5% a year? Try these CDs.","tagNames":["APY","banks","Best-of","Certificates of Deposit (CDs)","Editor's Picks","no copyright","Rankings and Roundups"],"title":"The 10 best CD rates for November 2024: earn up to 5% | Fortune Recommends","widgetCss":null},"iterablePageViewData":{"authors":[],"channel":"","contentType":"","premiumCategory":"","sections":[],"tags":[],"topics":[],"url":""},"micrositeConfig":{"homepage":{"authorNames":["Fortune Editors"],"authors":[{"email":"","image":"","name":"Fortune Editors","sameAs":"","type":"","uri":"https://fortune.com/author/fortune-editors/","url":"https://fortune.com/author/fortune-editors/"}],"canonicalUrl":"https://fortune.com/recommends/","channel":"homepage","databaseId":447853977,"dateGmt":"","description":"Fortune Recommends offers guides and reviews on all things money. Expert coverage on investing, mortgages, credit cards, savings accounts, and more.","faq":[],"image":"https://content.fortune.com/wp-content/uploads/2022/10/fortune-recommends-logo-social.jpg?resize","imageTwitter":"https://content.fortune.com/wp-content/uploads/2022/10/fortune-recommends-logo-social.jpg?resize","keywords":"","link":"https://fortune.com/recommends/","metaTitle":"Financial advice, news, \u0026amp; top product picks","modifiedGmt":"","pageType":"homepage","platformCD":"recommends","premiumCategory":{"name":"Uncategorized","premiumCategoryId":-1},"primarySection":{"link":"","name":"homepage","primarySectionId":1},"sectionNames":["Personal Finance","Credit Cards","Banking","Loans and Mortgages","Education","Education: Business","Education: Tech","Education: Health and Wellness","Business Solutions"],"sections":[{"name":"Personal Finance","slug":"personal-finance","variant":"section"},{"name":"Credit Cards","slug":"credit-cards","variant":"subsection"},{"name":"Banking","slug":"banking","variant":"subsection"},{"name":"Loans and Mortgages","slug":"loans-mortgages","variant":"subsection"},{"name":"Education","slug":"articles","variant":"section","destination":"education","isReversed":true,"showRankings":true,"rankingsFilter":[2,1,3,4,6,12,14,21,27]},{"name":"Education: Business","slug":"edu_business","slugAs":"business","variant":"subsection","destination":"education"},{"name":"Education: Tech","slug":"information-technology","variant":"subsection","destination":"education"},{"name":"Education: Health and Wellness","slug":"edu_health","slugAs":"health","variant":"subsection","destination":"education"},{"name":"Business Solutions","slug":"business","variant":"section"}],"socialDescription":"","socialTitle":"Financial advice, news, \u0026amp; top product picks | Fortune Recommends","tagNames":["homepage"],"tags":[{"name":"homepage","tagId":-1}],"thumbnailUrl":"https://content.fortune.com/wp-content/uploads/2022/10/fortune-recommends-logo-social.jpg?resize","title":"Fortune Recommends","topicNames":["homepage"],"topics":[{"name":"homepage","slug":"/"}],"tout":null,"url":"https://fortune.com/recommends/"},"sections":{"personal-finance":{"useStaticPageData":true,"image":{"altText":"Personal Finance","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/banking.jpg?resize=600,400"},"name":"Personal Finance","slug":"personal-finance","url":"/recommends/personal-finance/"},"credit-cards":{"showProductTable":false,"image":{"altText":"Credit Cards","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/credit-cards.jpg?resize=600,400"},"name":"Credit Cards","slug":"credit-cards","url":"/recommends/credit-cards/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Credit-cards-green-1.png"},"travel-rewards":{"image":{"altText":"Travel Rewards","caption":"","mediaItemUrl":""},"name":"Travel Rewards","slug":"travel-rewards","url":"/recommends/travel-rewards/"},"banking":{"image":{"altText":"Banking","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/banking.jpg?resize=600,400"},"name":"Banking","slug":"banking","url":"/recommends/banking/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Banking-green-1.png"},"insurance":{"image":{"altText":"Insurance","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/insurance.jpg?resize=600,400"},"name":"Insurance","slug":"insurance","url":"/recommends/insurance/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Insurance-green-1.png"},"loans-mortgages":{"image":{"altText":"Loans","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/11/loans.png?resize=600,400"},"name":"Loans and Mortgages","slug":"loans-mortgages","url":"/recommends/loans-mortgages/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Loans-and-mortgages-green-1.png"},"loans":{"image":{"altText":"Loans","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/11/loans.png?resize=600,400"},"name":"Loans","slug":"loans","url":"/recommends/loans/"},"mortgages":{"image":{"altText":"Mortgages","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/mortgages.jpg?resize=600,400"},"name":"Mortgages","slug":"mortgages","url":"/recommends/mortgages/"},"investing":{"image":{"altText":"Investing","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/investing.jpg?resize=600,400"},"name":"Investing","slug":"investing","url":"/recommends/investing/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Investing-green-1.png"},"cds":{"image":{"altText":"CDs","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/banking.jpg?resize=600,400"},"name":"CDs","slug":"cds","url":"/recommends/cds/"},"savings":{"image":{"altText":"Savings","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/banking.jpg?resize=600,400"},"name":"Savings","slug":"savings","url":"/recommends/savings/"},"awards":{"image":{"altText":"Awards","caption":"","mediaItemUrl":""},"name":"Awards","slug":"awards","url":"/recommends/awards/"},"business":{"image":{"altText":"Business Solution","caption":"","mediaItemUrl":""},"name":"Business Solution","slug":"business","url":"/recommends/business/"},"voip":{"image":{"altText":"VOIP","caption":"","mediaItemUrl":""},"name":"VOIP","slug":"voip","url":"/recommends/voip/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/VOIP-green-1.png"},"crm":{"image":{"altText":"CRM","caption":"","mediaItemUrl":""},"name":"CRM","slug":"crm","url":"/recommends/crm/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/CRM-green-1.png"},"payroll":{"image":{"altText":"Payroll","caption":"","mediaItemUrl":""},"name":"Payroll","slug":"payroll","url":"/recommends/payroll/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Payroll-software-green-1.png"},"web-hosting":{"image":{"altText":"Web Hosting","caption":"","mediaItemUrl":""},"name":"Web Hosting","slug":"web-hosting","url":"/recommends/web-hosting/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Web-hosting-green-1.png"},"shopping":{"image":{"altText":"Shopping","caption":"","mediaItemUrl":""},"name":"Shopping","slug":"shopping","url":"/recommends/shopping/"},"shopping-guides":{"image":{"altText":"Shopping Guides","caption":"","mediaItemUrl":""},"name":"Shopping Guides","slug":"shopping-guides","url":"/recommends/shopping-guides/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Shopping-green-1.png"}},"disclosure":{"fullText":"Fortune Recommends™ is editorially independent. We earn a commission for purchases made from affiliate partners via some links on our site; other links are not affiliate partner links. \u003ca href='/advertiser-disclosure/'\u003eClick here\u003c/a\u003e to read the full Fortune Recommends advertiser disclosure and how we earn commissions. \u003ca href='/about-recommends/'\u003eClick here\u003c/a\u003e to read about our editorial policies and our methodologies.","shortText":"Fortune Recommends™ is editorially independent. We may earn affiliate revenue from links in this content."}},"pageAdConfig":{"ch":"banking","cid":"3390968","ctype":"evergreen","defaultPath":"fortune.recommends","invertChAndCtypeInPath":true,"premiumCategory":"F-Search","slots":[{"id":"InStream0","index":1,"placementName":"InStream"}],"tags":["APY","banks","Best-of","Certificates of Deposit (CDs)","Editor's Picks","no copyright","Rankings and Roundups"],"topics":[],"loginStatus":"guest"},"pianoPageConfig":{"contentSection":"","franchiseWall":false,"pageType":"","publishDate":"","tags":[]},"adWidgets":{"footer":[],"header":[],"in_stream":[],"right_side":[]},"hasRedVentureWidgets":true,"recommendsData":{"homepage":{"authorNames":["Fortune Editors"],"authors":[{"email":"","image":"","name":"Fortune Editors","sameAs":"","type":"","uri":"https://fortune.com/author/fortune-editors/","url":"https://fortune.com/author/fortune-editors/"}],"canonicalUrl":"https://fortune.com/recommends/","channel":"homepage","databaseId":447853977,"dateGmt":"","description":"Fortune Recommends offers guides and reviews on all things money. Expert coverage on investing, mortgages, credit cards, savings accounts, and more.","faq":[],"image":"https://content.fortune.com/wp-content/uploads/2022/10/fortune-recommends-logo-social.jpg?resize","imageTwitter":"https://content.fortune.com/wp-content/uploads/2022/10/fortune-recommends-logo-social.jpg?resize","keywords":"","link":"https://fortune.com/recommends/","metaTitle":"Financial advice, news, \u0026amp; top product picks","modifiedGmt":"","pageType":"homepage","platformCD":"recommends","premiumCategory":{"name":"Uncategorized","premiumCategoryId":-1},"primarySection":{"link":"","name":"homepage","primarySectionId":1},"sectionNames":["Personal Finance","Credit Cards","Banking","Loans and Mortgages","Education","Education: Business","Education: Tech","Education: Health and Wellness","Business Solutions"],"sections":[{"name":"Personal Finance","slug":"personal-finance","variant":"section"},{"name":"Credit Cards","slug":"credit-cards","variant":"subsection"},{"name":"Banking","slug":"banking","variant":"subsection"},{"name":"Loans and Mortgages","slug":"loans-mortgages","variant":"subsection"},{"name":"Education","slug":"articles","variant":"section","destination":"education","isReversed":true,"showRankings":true,"rankingsFilter":[2,1,3,4,6,12,14,21,27]},{"name":"Education: Business","slug":"edu_business","slugAs":"business","variant":"subsection","destination":"education"},{"name":"Education: Tech","slug":"information-technology","variant":"subsection","destination":"education"},{"name":"Education: Health and Wellness","slug":"edu_health","slugAs":"health","variant":"subsection","destination":"education"},{"name":"Business Solutions","slug":"business","variant":"section"}],"socialDescription":"","socialTitle":"Financial advice, news, \u0026amp; top product picks | Fortune Recommends","tagNames":["homepage"],"tags":[{"name":"homepage","tagId":-1}],"thumbnailUrl":"https://content.fortune.com/wp-content/uploads/2022/10/fortune-recommends-logo-social.jpg?resize","title":"Fortune Recommends","topicNames":["homepage"],"topics":[{"name":"homepage","slug":"/"}],"tout":null,"url":"https://fortune.com/recommends/"},"sections":{"personal-finance":{"useStaticPageData":true,"image":{"altText":"Personal Finance","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/banking.jpg?resize=600,400"},"name":"Personal Finance","slug":"personal-finance","url":"/recommends/personal-finance/"},"credit-cards":{"showProductTable":false,"image":{"altText":"Credit Cards","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/credit-cards.jpg?resize=600,400"},"name":"Credit Cards","slug":"credit-cards","url":"/recommends/credit-cards/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Credit-cards-green-1.png"},"travel-rewards":{"image":{"altText":"Travel Rewards","caption":"","mediaItemUrl":""},"name":"Travel Rewards","slug":"travel-rewards","url":"/recommends/travel-rewards/"},"banking":{"image":{"altText":"Banking","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/banking.jpg?resize=600,400"},"name":"Banking","slug":"banking","url":"/recommends/banking/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Banking-green-1.png"},"insurance":{"image":{"altText":"Insurance","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/insurance.jpg?resize=600,400"},"name":"Insurance","slug":"insurance","url":"/recommends/insurance/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Insurance-green-1.png"},"loans-mortgages":{"image":{"altText":"Loans","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/11/loans.png?resize=600,400"},"name":"Loans and Mortgages","slug":"loans-mortgages","url":"/recommends/loans-mortgages/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Loans-and-mortgages-green-1.png"},"loans":{"image":{"altText":"Loans","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/11/loans.png?resize=600,400"},"name":"Loans","slug":"loans","url":"/recommends/loans/"},"mortgages":{"image":{"altText":"Mortgages","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/mortgages.jpg?resize=600,400"},"name":"Mortgages","slug":"mortgages","url":"/recommends/mortgages/"},"investing":{"image":{"altText":"Investing","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/investing.jpg?resize=600,400"},"name":"Investing","slug":"investing","url":"/recommends/investing/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Investing-green-1.png"},"cds":{"image":{"altText":"CDs","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/banking.jpg?resize=600,400"},"name":"CDs","slug":"cds","url":"/recommends/cds/"},"savings":{"image":{"altText":"Savings","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2022/09/banking.jpg?resize=600,400"},"name":"Savings","slug":"savings","url":"/recommends/savings/"},"awards":{"image":{"altText":"Awards","caption":"","mediaItemUrl":""},"name":"Awards","slug":"awards","url":"/recommends/awards/"},"business":{"image":{"altText":"Business Solution","caption":"","mediaItemUrl":""},"name":"Business Solution","slug":"business","url":"/recommends/business/"},"voip":{"image":{"altText":"VOIP","caption":"","mediaItemUrl":""},"name":"VOIP","slug":"voip","url":"/recommends/voip/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/VOIP-green-1.png"},"crm":{"image":{"altText":"CRM","caption":"","mediaItemUrl":""},"name":"CRM","slug":"crm","url":"/recommends/crm/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/CRM-green-1.png"},"payroll":{"image":{"altText":"Payroll","caption":"","mediaItemUrl":""},"name":"Payroll","slug":"payroll","url":"/recommends/payroll/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Payroll-software-green-1.png"},"web-hosting":{"image":{"altText":"Web Hosting","caption":"","mediaItemUrl":""},"name":"Web Hosting","slug":"web-hosting","url":"/recommends/web-hosting/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Web-hosting-green-1.png"},"shopping":{"image":{"altText":"Shopping","caption":"","mediaItemUrl":""},"name":"Shopping","slug":"shopping","url":"/recommends/shopping/"},"shopping-guides":{"image":{"altText":"Shopping Guides","caption":"","mediaItemUrl":""},"name":"Shopping Guides","slug":"shopping-guides","url":"/recommends/shopping-guides/","icon":"https://fortune.com/img-assets/wp-content/uploads/2024/11/Shopping-green-1.png"}},"disclosure":{"fullText":"Fortune Recommends™ is editorially independent. We earn a commission for purchases made from affiliate partners via some links on our site; other links are not affiliate partner links. \u003ca href='/advertiser-disclosure/'\u003eClick here\u003c/a\u003e to read the full Fortune Recommends advertiser disclosure and how we earn commissions. \u003ca href='/about-recommends/'\u003eClick here\u003c/a\u003e to read about our editorial policies and our methodologies.","shortText":"Fortune Recommends™ is editorially independent. We may earn affiliate revenue from links in this content."}},"redVenture":true,"section":{"adTags":[],"authorNames":[],"authors":[],"breadcrumbs":{"items":[{"label":"Personal Finance","link":"https://fortune.com/recommends/personal-finance/"},{"label":"Banking","link":"https://fortune.com/section/banking/"}]},"canonicalUrl":"https://fortune.com/recommends/banking/","channel":"banking","children":[{"name":"CDs","link":"https://fortune.com/section/cds/","slug":"cds","__typename":"Section"},{"name":"Savings Accounts","link":"https://fortune.com/section/savings/","slug":"savings","__typename":"Section"}],"databaseId":447854038,"dateGmt":"","description":"Read comprehensive reviews on banks and credit unions, get advice on the best accounts for your money goals, learn how to manage your budget, and more.","faq":[],"id":"dGVybTo0NDc4NTQwMzg=","image":"https://content.fortune.com/wp-content/uploads/2022/09/banking.jpg?resize=600,400","keywords":"banking","link":"https://fortune.com/recommends/banking/","metaTitle":"Banking: Expert tips, news, \u0026 account reviews of checking, savings \u0026 CDs","modifiedGmt":"","name":"Banking","pageInfo":{"endCursor":null,"hasNextPage":false,"hasPreviousPage":false,"startCursor":null,"totalCount":370,"__typename":"WPPageInfo"},"pageType":"section","parent":{"name":"Personal Finance","link":"https://fortune.com/section/personal-finance/","slug":"personal-finance","parent":null,"__typename":"Section"},"platformCD":"own","posts":[],"premiumCategory":{"name":"","premiumCategoryId":-1},"primarySection":{"link":"","name":"","primarySectionId":0,"uri":""},"sectionNames":[],"sectionType":1,"sections":[],"slug":"banking","socialDescription":"Read comprehensive reviews on banks and credit unions, get advice on the best accounts for your money goals, learn how to manage your budget, and more.","socialTitle":"Banking: Expert tips, news, \u0026 account reviews of checking, savings \u0026 CDs","tagNames":[],"tags":[],"thumbnailUrl":"https://content.fortune.com/wp-content/uploads/2022/09/banking.jpg?resize=600,400","title":"Banking","topicNames":[],"topics":[],"url":"https://fortune.com/recommends/banking/"},"widgetCss":null,"widgets":{}},"__N_SSG":true},"page":"/recommends/[section]/[slug]","query":{"section":"banking","slug":"the-best-cd-rates"},"buildId":"XIuofSGt8HKlbwfEm5C7n","isFallback":false,"gsp":true,"scriptLoader":[]}</script></body></html>