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(min-width:1020px){.LiveTVContainer-col-9{max-width:calc(133.33333% - 30px);min-width:calc(133.33333% - 30px)}}@media screen and (min-width:760px) and (min-width:1020px) and (-ms-high-contrast:none){.LiveTVContainer-col-9{max-width:100%;min-width:100%}}@media (min-width:760px) and (min-width:1340px){.LiveTVContainer-col-9{max-width:calc(100% - 30px);min-width:calc(100% - 30px)}}@media (min-width:1020px){.LiveTVContainer-col-9{flex-grow:0;flex-shrink:0;margin-right:0;max-width:calc(66.66667% - 10px);min-width:calc(66.66667% - 10px)}.LiveTVContainer-col-9:last-child{margin-right:0}}@media (min-width:1340px){.LiveTVContainer-col-9{flex-grow:0;flex-shrink:0;max-width:calc(75% - 7.5px);min-width:calc(75% - 7.5px)}.LiveTVContainer-col-9.LiveTVContainer-article{flex-grow:0;flex-shrink:0;margin-left:calc(8.33333% + 2.5px);max-width:calc(58.33333% - 12.5px);min-width:calc(58.33333% - 12.5px)}}@media (min-width:760px){.LiveTVContainer-col-12{flex-grow:0;flex-shrink:0;max-width:calc(300% - 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rate?","acceptedAnswer":{"@type":"Answer","text":"<p>A CD rate is expressed as APY or annual percentage yield. A CD's APY is the amount of interest that an account earns in a year. Unlike the rates you find with traditional and high-yield savings accounts, CD rates are fixed, meaning they stay the same for the life of the CD term.</p>"}},{"@type":"Question","name":"What's considered a good CD rate?","acceptedAnswer":{"@type":"Answer","text":"<p>What's considered a good CD rate depends on the length of the CD term. Currently, the highest rates seem to be for six-month, nine- or 10-month and one-year CDs, hovering at 5% APY or just below.</p>"}},{"@type":"Question","name":"Are there fees associated with CD rates?","acceptedAnswer":{"@type":"Answer","text":"<p>There typically aren't any fees, such as monthly maintenance fees, associated with CD rates. Some CDs, however, require a minimum deposit to open an account. Most CDs will also charge a penalty fee if you make an early withdrawal before your CD term is up.</p>"}},{"@type":"Question","name":"Which banks have the best CDs?","acceptedAnswer":{"@type":"Answer","text":"<p>The banks that have the best CDs are those that made this list. Here's a recap of the banks with the best CDs:</p><ul><li><a href=\"https://secure.money.com/pr/gd38697d4d9a\">Alliant Credit Union</a></li><li><a href=\"https://secure.money.com/pr/r48bf0e3db6d\">Ally Bank</a></li><li><a href=\"https://secure.money.com/pr/d777ac376b4c\">Barclays</a></li><li><a href=\"https://secure.money.com/pr/o73e3d0da37c\">BMO Alto</a></li><li><a href=\"https://secure.money.com/pr/d9eced9e9461\">Bread Savings</a></li><li><a href=\"https://secure.money.com/pr/l6f7cd210acb\">LendingClub</a></li><li><a href=\"https://secure.money.com/pr/cf502fa93957\">Marcus by Goldman Sachs</a></li><li><a href=\"https://secure.money.com/pr/t49f5b9b479f\">Popular Direct</a></li><li><a href=\"https://secure.money.com/pr/b3c7cf2dead1\">Quontic Bank</a></li><li><a href=\"https://www.bankrate.com/landing/select/cds-spl-landing-page-synchrony/?sub-id=PLACESUBIDHERE\">Synchrony Bank</a></li><li><a href=\"https://secure.money.com/pr/ica4d4678259\">Vio Bank</a></li></ul>"}},{"@type":"Question","name":"Is a 10-year CD worth it?","acceptedAnswer":{"@type":"Answer","text":"<p>Whether or not a 10-year CD is worth it depends on your <a href=\"https://www.cnbc.com/select/how-to-figure-out-your-risk-tolerance-investing/\">risk tolerance</a>. A 10-year CD may be worth it for someone who wants a guaranteed return with zero risk and is willing to leave their funds untouched for 10 years. But it's worth considering where else your money could be better placed.</p><p>The market (historically) averages a much higher 10-year return than you would find with any 10-year CD, but of course, you take on much more risk.</p><p>Consider also the rate of inflation; over 10 years, inflation could outpace the fixed return you'd be earning with a 10-year CD. It may make more sense to put your money in a shorter-term CD, like a five-year CD, that likely offers a higher guaranteed APY than a 10-year CD and then reevaluate again in five years.</p>"}},{"@type":"Question","name":"Can you lose money on a CD?","acceptedAnswer":{"@type":"Answer","text":"<p>Because most banks offering CDs are FDIC-insured, you won't lose money up to the legal limit of $250,000 per account holder. You can, however, lose interest or have to pay a penalty fee if you withdraw your CD funds before your term is up.</p>"}},{"@type":"Question","name":"Are CDs safe?","acceptedAnswer":{"@type":"Answer","text":"<p>CDs are one of the safest savings vehicles as your money is federally insured.</p>"}},{"@type":"Question","name":"Are CDs a good investment?","acceptedAnswer":{"@type":"Answer","text":"<p>CDs are generally a good investment. Your money grows without the risk of your rate dropping (which can happen with a high-yield savings account), and you're guaranteed a return without worrying about <a href=\"https://www.cnbc.com/select/how-to-think-about-investments-during-market-volatility/\">stock market volatility</a>.</p>"}},{"@type":"Question","name":"How much does a $10,000 CD make in a year?","acceptedAnswer":{"@type":"Answer","text":"<p>How much a $10,000 CD makes in one year depends on that one-year CD's APY. For example, a one-year CD with a 5.00% APY would equate to $500 in interest earnings after a year.</p>"}},{"@type":"Question","name":"Do you have to pay taxes on interest on CDs?","acceptedAnswer":{"@type":"Answer","text":"<p>Interest accrued on a CD is taxed as ordinary income. 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class="shortcuts-dropdown-item-link">Best Mortgages for No Down Payment</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-mortgage-lenders-average-credit-score/" target="_self" tabindex="-1" data-track-menu-name="Best Mortgages for Average Credit Score" class="shortcuts-dropdown-item-link">Best Mortgages for Average Credit Score</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-mortgage-lenders-that-dont-charge-origination-fees/" target="_self" tabindex="-1" data-track-menu-name="Best Mortgages No Origination Fee" class="shortcuts-dropdown-item-link">Best Mortgages No Origination Fee</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/adjustable-rate-mortgage-pros-and-cons/" target="_self" tabindex="-1" data-track-menu-name="Adjustable Rate Mortgages" class="shortcuts-dropdown-item-link">Adjustable Rate Mortgages</a></li><li class="shortcuts-dropdown-item"><a 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target="_self" tabindex="-1" data-track-menu-name="Best Life Insurance" class="shortcuts-dropdown-item-link">Best Life Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-life-insurance-seniors/" target="_self" tabindex="-1" data-track-menu-name="Best Life Insurance for Seniors" class="shortcuts-dropdown-item-link">Best Life Insurance for Seniors</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-homeowners-insurance-companies/" target="_self" tabindex="-1" data-track-menu-name="Best Homeowners Insurance" class="shortcuts-dropdown-item-link">Best Homeowners Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-renters-insurance-companies/" target="_self" tabindex="-1" data-track-menu-name="Best Renters Insurance" class="shortcuts-dropdown-item-link">Best Renters Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-car-insurance-companies/" target="_self" tabindex="-1" data-track-menu-name="Best Car Insurance" class="shortcuts-dropdown-item-link">Best Car Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-pet-insurance/" target="_self" tabindex="-1" data-track-menu-name="Best Pet Insurance" class="shortcuts-dropdown-item-link">Best Pet Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-boat-insurance/" target="_self" tabindex="-1" data-track-menu-name="Best Boat Insurance" class="shortcuts-dropdown-item-link">Best Boat Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-motorcycle-insurance/" target="_self" tabindex="-1" data-track-menu-name="Best Motorcycle Insurance" class="shortcuts-dropdown-item-link">Best Motorcycle Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-travel-insurance-companies/" target="_self" tabindex="-1" data-track-menu-name="Best Travel Insurance" class="shortcuts-dropdown-item-link">Best Travel Insurance</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/event-ticket-insurance-worth-it/" target="_self" tabindex="-1" data-track-menu-name="Event Ticket Insurance" class="shortcuts-dropdown-item-link">Event Ticket Insurance</a></li></menu></nav></li><li class="shortcuts-list-item shortcuts-list-item--click-dd"><a href="https://www.cnbc.com/select/small-business/" role="button" aria-expanded="false" aria-label="Small Business dropdown with sub links" data-track-menu-name="Small Business" class="shortcuts-list-item-link"><span class="chevron-down"></span><span class="shortcuts-list-item-text">Small Business</span></a><nav class="shortcuts-dropdown" aria-hidden="true"><menu class="shortcuts-dropdown-list"><li class="shortcuts-dropdown-item all-link"><strong><a href="https://www.cnbc.com/select/small-business/" target="_self" tabindex="-1" data-track-menu-name="All Small Business" class="shortcuts-dropdown-item-link">All Small Business</a></strong></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-small-business-savings-accounts/" target="_self" tabindex="-1" data-track-menu-name="Best Small Business Savings Accounts" class="shortcuts-dropdown-item-link">Best Small Business Savings Accounts</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-business-checking-accounts/" target="_self" tabindex="-1" data-track-menu-name="Best Small Business Checking Accounts" class="shortcuts-dropdown-item-link">Best Small Business Checking Accounts</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-small-business-credit-cards/" target="_self" tabindex="-1" data-track-menu-name="Best Credit Cards for Small Business" class="shortcuts-dropdown-item-link">Best Credit Cards for Small Business</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-small-business-loans/" target="_self" tabindex="-1" data-track-menu-name="Best Small Business Loans" class="shortcuts-dropdown-item-link">Best Small Business Loans</a></li><li class="shortcuts-dropdown-item"><a href="https://www.cnbc.com/select/best-tax-software-for-small-businesses/" target="_self" tabindex="-1" data-track-menu-name="Best Tax Software for Small Business" class="shortcuts-dropdown-item-link">Best Tax Software for Small Business</a></li></menu></nav></li><li class="shortcuts-list-item shortcuts-list-item--click-dd"><a href="" role="button" aria-expanded="false" aria-label="+More dropdown with sub links" data-track-menu-name="+More" class="shortcuts-list-item-link"><span class="chevron-down"></span><span class="shortcuts-list-item-text">+More</span></a><nav class="shortcuts-dropdown" aria-hidden="true"><menu class="shortcuts-dropdown-list"><li class="shortcuts-dropdown-item"><a tabindex="-1" data-track-menu-name="personal-finance" class="shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu"><p data-track-menu-name="personal-finance">Personal Finance</p><span class="chevron-right"></span></a><a role="button" tabindex="-1" data-track-menu-name="personal-finance-back-btn" class="shortcuts-dropdown-item-link back-btn dn js-l3-dropdown">+More</button><a href="https://www.cnbc.com/select/personal-finance/" tabindex="-1" data-track-sub-link="personal-finance-submenu" class="shortcuts-dropdown-item-link all-link dn js-l3-dropdown">All Personal Finance</a><a href="https://www.cnbc.com/select/best-budgeting-apps/" target="_self" data-track-menu-name="personal-finance-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Budgeting Apps</a><a href="https://www.cnbc.com/select/best-expense-tracker-apps/" target="_self" data-track-menu-name="personal-finance-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Expense Tracker Apps</a><a href="https://www.cnbc.com/select/best-money-transfer-payment-apps/" target="_self" data-track-menu-name="personal-finance-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Money Transfer Apps</a><a href="https://www.cnbc.com/select/best-resale-apps-and-websites/" target="_self" data-track-menu-name="personal-finance-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Resale Apps and Sites</a><a href="https://www.cnbc.com/select/best-buy-now-pay-later-apps/" target="_self" data-track-menu-name="personal-finance-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Buy Now Pay Later (BNPL) Apps</a><a href="https://www.cnbc.com/select/best-debt-relief-companies/" target="_self" data-track-menu-name="personal-finance-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Debt Relief</a></li><li class="shortcuts-dropdown-item"><a tabindex="-1" data-track-menu-name="credit-monitoring" class="shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu"><p data-track-menu-name="credit-monitoring">Credit Monitoring</p><span class="chevron-right"></span></a><a role="button" tabindex="-1" data-track-menu-name="credit-monitoring-back-btn" class="shortcuts-dropdown-item-link back-btn dn js-l3-dropdown">+More</button><a href="https://www.cnbc.com/select/credit-monitoring/" tabindex="-1" data-track-sub-link="credit-monitoring-submenu" class="shortcuts-dropdown-item-link all-link dn js-l3-dropdown">All Credit Monitoring</a><a href="https://www.cnbc.com/select/best-credit-monitoring-services" target="_self" data-track-menu-name="credit-monitoring-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Credit Monitoring Services</a><a href="https://www.cnbc.com/select/best-identity-theft-protection-services/" target="_self" data-track-menu-name="credit-monitoring-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Identity Theft Protection</a><a href="https://www.cnbc.com/select/how-experian-boost-works/" target="_self" data-track-menu-name="credit-monitoring-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">How to Boost Your Credit Score</a><a href="https://www.cnbc.com/select/best-credit-repair-companies/" target="_self" data-track-menu-name="credit-monitoring-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Credit Repair Companies</a></li><li class="shortcuts-dropdown-item"><a tabindex="-1" data-track-menu-name="taxes" class="shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu"><p data-track-menu-name="taxes">Taxes</p><span class="chevron-right"></span></a><a role="button" tabindex="-1" data-track-menu-name="taxes-back-btn" class="shortcuts-dropdown-item-link back-btn dn js-l3-dropdown">+More</button><a href="https://www.cnbc.com/select/taxes/" tabindex="-1" data-track-sub-link="taxes-submenu" class="shortcuts-dropdown-item-link all-link dn js-l3-dropdown">All Taxes</a><a href="https://www.cnbc.com/select/how-to-file-your-taxes-for-free/" target="_self" data-track-menu-name="taxes-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Filing For Free</a><a href="https://www.cnbc.com/select/best-tax-software/" target="_self" data-track-menu-name="taxes-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Tax Software</a><a href="https://www.cnbc.com/select/best-tax-software-for-small-businesses/" target="_self" data-track-menu-name="taxes-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Tax Software for Small Businesses</a><a href="https://www.cnbc.com/select/how-to-check-the-status-of-your-2020-tax-refund/" target="_self" data-track-menu-name="taxes-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Tax Refunds</a><a href="https://www.cnbc.com/select/federal-income-tax-brackets-tax-rates/" target="_self" data-track-menu-name="taxes-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Tax Brackets</a><a href="https://www.cnbc.com/select/how-to-reduce-taxable-income/" target="_self" data-track-menu-name="taxes-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Tax Tips</a><a href="https://www.cnbc.com/select/states-with-no-income-tax/" target="_self" data-track-menu-name="taxes-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Taxes By State</a><a href="https://www.cnbc.com/select/tax-payment-plan-options/" target="_self" data-track-menu-name="taxes-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Tax Payment Plans</a></li><li class="shortcuts-dropdown-item"><a tabindex="-1" data-track-menu-name="help-for-low-credit-scores" class="shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu"><p data-track-menu-name="help-for-low-credit-scores">Help for Low Credit Scores</p><span class="chevron-right"></span></a><a role="button" tabindex="-1" data-track-menu-name="help-for-low-credit-scores-back-btn" class="shortcuts-dropdown-item-link back-btn dn js-l3-dropdown">+More</button><a href="https://www.cnbc.com/select/low-credit-scores/" tabindex="-1" data-track-sub-link="help-for-low-credit-scores-submenu" class="shortcuts-dropdown-item-link all-link dn js-l3-dropdown">All Help for Low Credit Scores</a><a href="https://www.cnbc.com/select/best-credit-cards-for-bad-credit/" target="_self" data-track-menu-name="help-for-low-credit-scores-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Credit Cards for Bad Credit</a><a href="https://www.cnbc.com/select/best-personal-loans-for-bad-credit/" target="_self" data-track-menu-name="help-for-low-credit-scores-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Personal Loans for Bad Credit</a><a href="https://www.cnbc.com/select/best-debt-consolidation-loans-for-bad-credit/" target="_self" data-track-menu-name="help-for-low-credit-scores-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Debt Consolidation Loans for Bad Credit</a><a href="https://www.cnbc.com/select/personal-loan-lenders-to-consider-if-you-dont-have-credit-score/" target="_self" data-track-menu-name="help-for-low-credit-scores-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Personal Loans if You Don&#39;t Have Credit</a><a href="https://www.cnbc.com/select/the-best-credit-cards-for-building-credit/" target="_self" data-track-menu-name="help-for-low-credit-scores-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Credit Cards for Building Credit</a><a href="https://www.cnbc.com/select/personal-loans-to-apply-credit-score-580-or-lower/" target="_self" data-track-menu-name="help-for-low-credit-scores-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Personal Loans for 580 Credit Score Lower</a><a href="https://www.cnbc.com/select/personal-loan-lenders-credit-score-below-670/" target="_self" 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shortcuts-dropdown-item-link-with-submenu"><p data-track-menu-name="investing">Investing</p><span class="chevron-right"></span></a><a role="button" tabindex="-1" data-track-menu-name="investing-back-btn" class="shortcuts-dropdown-item-link back-btn dn js-l3-dropdown">+More</button><a href="https://www.cnbc.com/select/investing/" tabindex="-1" data-track-sub-link="investing-submenu" class="shortcuts-dropdown-item-link all-link dn js-l3-dropdown">All Investing</a><a href="https://www.cnbc.com/select/best-ira-accounts/" target="_self" data-track-menu-name="investing-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best IRA Accounts</a><a href="https://www.cnbc.com/select/best-roth-ira-accounts/" target="_self" data-track-menu-name="investing-submenu" class="shortcuts-dropdown-item-link dn js-l3-dropdown">Best Roth IRA Accounts</a><a href="https://www.cnbc.com/select/best-investing-apps/" target="_self" data-track-menu-name="investing-submenu" 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class="SelectPopularOffers-styles-select-title--JfaUF">Our top picks of timely offers from our partners</h2><a href="/select/disclosures/" class="SelectPopularOffers-styles-select-moreLink--yCUvY" rel="sponsored" target="_blank">More details</a><button class="SelectPopularOffers-styles-select-collapseButtonHFS--zFdmE" tabindex="0" aria-label="Toggle Collapse" aria-expanded="true"></button></div><div class="SelectPopularOffers-styles-select-cardsContainer--jqzGr"><div class="SelectPopularOffersCard-styles-select-box--hAaLe SelectPopularOffersCard-styles-select-fixedWidth--KZy14"><div class="SelectPopularOffersCard-styles-select-col1--Sm24a"><div class="SelectPopularOffersCard-styles-select-imageContainer--HiUUX"><a href="https://oc.brcclx.com/t?lid=26750318" rel="sponsored" target="_blank" data-rv-module-name="topOffers" data-analytics="CARDTITLE:1:AxosONE" data-analytics-id="CARDTITLE:1:AxosONE"><img src="https://fm.cnbc.com/applications/cnbc.com/resources/product_select/2024/11/05/axos.png" alt="Axos ONE"/></a></div><a href="https://oc.brcclx.com/t?lid=26750318" class="SelectPopularOffersCard-styles-select-button--s41Dp" rel="sponsored" target="_blank" data-rv-module-name="topOffers" data-analytics="CARDTITLE:1:AxosONE" data-analytics-id="CARDTITLE:1:AxosONE">Learn More</a><div class="SelectPopularOffersCard-styles-select-terms--DW9DO">Terms Apply</div></div><div class="SelectPopularOffersCard-styles-select-col2--wT0G3"><div class="SelectPopularOffersCard-styles-select-title--JonGl"><a href="https://oc.brcclx.com/t?lid=26750318" class="SelectPopularOffersCard-styles-select-titleLink--pIvmA" rel="sponsored" target="_blank" data-rv-module-name="topOffers" data-analytics="CARDTITLE:1:AxosONE" data-analytics-id="CARDTITLE:1:AxosONE">Axos ONE</a></div><strong class="SelectPopularOffersCard-styles-select-description--duYEZ">Up to 4.86% APY on savings and get paid up to 2 days early with direct deposit</strong></div></div><div class="SelectPopularOffersCard-styles-select-box--hAaLe SelectPopularOffersCard-styles-select-fixedWidth--KZy14"><div class="SelectPopularOffersCard-styles-select-col1--Sm24a"><div class="SelectPopularOffersCard-styles-select-imageContainer--HiUUX"><a href="https://www.jdoqocy.com/click-100236640-12343503?sid=cnbcselect" rel="sponsored" target="_blank" data-analytics="CARDTITLE:2:ChoiceHomeWarranty" data-analytics-id="CARDTITLE:2:ChoiceHomeWarranty"><img src="https://fm.cnbc.com/applications/cnbc.com/resources/product_select/2024/11/11/Choice_Home_Warranty.jpg" alt="Choice Home Warranty"/></a></div><a href="https://www.jdoqocy.com/click-100236640-12343503?sid=cnbcselect" class="SelectPopularOffersCard-styles-select-button--s41Dp" rel="sponsored" target="_blank" data-analytics="CARDTITLE:2:ChoiceHomeWarranty" data-analytics-id="CARDTITLE:2:ChoiceHomeWarranty">Learn More</a><div class="SelectPopularOffersCard-styles-select-terms--DW9DO">Terms Apply</div></div><div class="SelectPopularOffersCard-styles-select-col2--wT0G3"><div class="SelectPopularOffersCard-styles-select-title--JonGl"><a href="https://www.jdoqocy.com/click-100236640-12343503?sid=cnbcselect" class="SelectPopularOffersCard-styles-select-titleLink--pIvmA" rel="sponsored" target="_blank" data-analytics="CARDTITLE:2:ChoiceHomeWarranty" data-analytics-id="CARDTITLE:2:ChoiceHomeWarranty">Choice Home Warranty</a></div><strong class="SelectPopularOffersCard-styles-select-description--duYEZ">Protects 25+ systems &amp; appliances. Free quote + $50 off + 1 month free.</strong></div></div><div class="SelectPopularOffersCard-styles-select-box--hAaLe SelectPopularOffersCard-styles-select-fixedWidth--KZy14"><div class="SelectPopularOffersCard-styles-select-col1--Sm24a"><div class="SelectPopularOffersCard-styles-select-imageContainer--HiUUX"><a href="https://bankrate.com/landing/select/best-auto-insurance-options/?mf_ct_campaign=cnbc-geico-personal-auto-spl-lp&amp;product-name=Geico+Personal+Auto+Insurance&amp;sub-id=PLACESUBIDHERE" rel="sponsored" target="_blank" data-analytics="CARDTITLE:3:GeicoAutoInsurance" data-analytics-id="CARDTITLE:3:GeicoAutoInsurance"><img src="https://fm.cnbc.com/applications/cnbc.com/resources/product_select/2024/11/11/Geico.png" alt="Geico Auto Insurance"/></a></div><a href="https://bankrate.com/landing/select/best-auto-insurance-options/?mf_ct_campaign=cnbc-geico-personal-auto-spl-lp&amp;product-name=Geico+Personal+Auto+Insurance&amp;sub-id=PLACESUBIDHERE" class="SelectPopularOffersCard-styles-select-button--s41Dp" rel="sponsored" target="_blank" data-analytics="CARDTITLE:3:GeicoAutoInsurance" data-analytics-id="CARDTITLE:3:GeicoAutoInsurance">Learn More</a><div class="SelectPopularOffersCard-styles-select-terms--DW9DO">Terms Apply</div></div><div class="SelectPopularOffersCard-styles-select-col2--wT0G3"><div class="SelectPopularOffersCard-styles-select-title--JonGl"><a href="https://bankrate.com/landing/select/best-auto-insurance-options/?mf_ct_campaign=cnbc-geico-personal-auto-spl-lp&amp;product-name=Geico+Personal+Auto+Insurance&amp;sub-id=PLACESUBIDHERE" class="SelectPopularOffersCard-styles-select-titleLink--pIvmA" rel="sponsored" target="_blank" data-analytics="CARDTITLE:3:GeicoAutoInsurance" data-analytics-id="CARDTITLE:3:GeicoAutoInsurance">Geico Auto Insurance</a></div><strong class="SelectPopularOffersCard-styles-select-description--duYEZ">Geico offers low average rates and coverage is available nationwide.</strong></div></div><div class="SelectPopularOffersCard-styles-select-box--hAaLe SelectPopularOffersCard-styles-select-fixedWidth--KZy14"><div class="SelectPopularOffersCard-styles-select-col1--Sm24a"><div class="SelectPopularOffersCard-styles-select-imageContainer--HiUUX"><a href="https://www.bankrate.com/landing/select/best-savings-options-lendingclub/?sub-id=PLACESUBIDHERE" rel="sponsored" target="_blank" data-analytics="CARDTITLE:4:LendingClub" data-analytics-id="CARDTITLE:4:LendingClub"><img src="https://fm.cnbc.com/applications/cnbc.com/resources/product_select/2023/07/21/LendingClub1.jpg" alt="LendingClub"/></a></div><a href="https://www.bankrate.com/landing/select/best-savings-options-lendingclub/?sub-id=PLACESUBIDHERE" class="SelectPopularOffersCard-styles-select-button--s41Dp" rel="sponsored" target="_blank" data-analytics="CARDTITLE:4:LendingClub" data-analytics-id="CARDTITLE:4:LendingClub">Learn More</a><div class="SelectPopularOffersCard-styles-select-terms--DW9DO">Terms Apply</div></div><div class="SelectPopularOffersCard-styles-select-col2--wT0G3"><div class="SelectPopularOffersCard-styles-select-title--JonGl"><a href="https://www.bankrate.com/landing/select/best-savings-options-lendingclub/?sub-id=PLACESUBIDHERE" class="SelectPopularOffersCard-styles-select-titleLink--pIvmA" rel="sponsored" target="_blank" data-analytics="CARDTITLE:4:LendingClub" data-analytics-id="CARDTITLE:4:LendingClub">LendingClub</a></div><strong class="SelectPopularOffersCard-styles-select-description--duYEZ">Our top pick for<a href="https://www.cnbc.com/select/best-high-yield-savings-accounts/"> best savings accounts</a> for its strong APY and no ATM fees</strong></div></div><div class="SelectPopularOffersCard-styles-select-box--hAaLe SelectPopularOffersCard-styles-select-fixedWidth--KZy14"><div class="SelectPopularOffersCard-styles-select-col1--Sm24a"><div 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class="SelectPopularOffersCard-styles-select-titleLink--pIvmA" rel="sponsored" target="_blank" data-analytics="CARDTITLE:5:CompareSavingsAccounts" data-analytics-id="CARDTITLE:5:CompareSavingsAccounts">Compare Savings Accounts</a></div><strong class="SelectPopularOffersCard-styles-select-description--duYEZ">Help your money grow by finding a savings account </strong></div></div></div></div></div></div></div><div class="PageBuilder-styles-select-containerFluidWidths--cLu14 PageBuilder-styles-select-pageRow--PTTRD"><div class="PageBuilder-styles-select-col-12--Lp2E5 PageBuilder-styles-select-col--qRu4W PageBuilder-styles-select-article--vymzP"><div class="AffiliateDisclosure-styles-select-container--X5mMP" id="SelectDisclosure-affiliate" data-test="SelectDisclosure"><div class="AffiliateDisclosure-styles-select-contentContainer--QDvz0"><div class="AffiliateDisclosure-styles-select-content--rchMZ">Select independently determines what we cover and recommend. 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Read more about Select on<!-- --> <a href="/select/about-us/" title="About CNBC">CNBC</a> <!-- -->and on<!-- --> <a href="https://www.nbcnews.com/select/shopping/about-ncna1280612" target="_blank" title="About NBC News">NBC News</a>, and click<!-- --> <a href="/select/disclosures/" title="Advertiser Disclosure">here</a> <!-- -->to read our full advertiser disclosure.</div></div></div></div></div><div class="PageBuilder-styles-select-containerFluidWidths--cLu14 PageBuilder-styles-select-pageRow--PTTRD"><div class="PageBuilder-styles-select-col-12--Lp2E5 PageBuilder-styles-select-col--qRu4W PageBuilder-styles-select-article--vymzP"><div style="height:100%" class="lazyload-placeholder"></div></div></div><div class="PageBuilder-styles-select-containerWidth100--PFiyk PageBuilder-styles-select-pageRow--PTTRD"><div class="PageBuilder-styles-select-col-full--bWdjG PageBuilder-styles-select-col--qRu4W PageBuilder-styles-select-article--vymzP"><div id="SelectRegularArticle-ArticleHeader-4" data-test="articleHeader-0" data-analytics="SelectRegularArticle-articleHeader-4-0"><header class="ArticleHeader-styles-select-articleHeader--Tsm9h" id="main-article-header"><div class="ArticleHeader-styles-select-headerContentContainer--lSlnA"><div class="ArticleHeader-styles-select-wrapperHeroNoImage--dWGU6"><div class="ArticleHeader-styles-select-jumpLinkWrap--tjQ8j"><div class="ArticleHeaderJumplink-styles-select-jumpLinkContainer--N6uDG"><h2 class="ArticleHeaderJumplink-styles-select-jumpLinkPhrase--gogza">Compare Savings Accounts</h2><a href="#even-financial-iframe" class="ArticleHeaderJumplink-styles-select-jumpLinkLearnMore--S786E">Learn More</a><br/></div></div><a href="https://www.cnbc.com/select/banking/" class="ArticleHeader-styles-select-eyebrow--Yjj64">Banking</a><div><h1 class="ArticleHeader-styles-select-headline--n2eyV">12 best CD rates of December 2024: Up to 4.95% APY</h1><h2 class="ArticleHeader-styles-select-deck--JP1pD">The best CD rates today rival those of high-yield savings — and you can lock yours in.</h2></div><div class="ArticleHeader-styles-select-timeHidden--IXErG"><time data-testid="single-timestamp">Updated Fri, Nov 22 2024</time></div></div><div class="ArticleHeader-styles-select-authorAndShareInline--DkAsI"><div class="ArticleHeader-styles-select-authorContainer--kv3RI"><div class="ArticleHeader-styles-select-author--qEb9Z"><div class="Author-styles-select-author--Mujps"><div class="Author-styles-select-authorInfo--rs71E"><img class="Author-styles-select-authorPortrait--ZnBZH" style="border:0" src="https://image.cnbcfm.com/api/v1/image/106021880-156329347559920190625-img_9901.jpg?v=1563293522&amp;w=60&amp;h=60&amp;ffmt=webp" alt="thumbnail"/><div class="Author-styles-select-authorNameAndSocial--C51G7"><a href="https://www.cnbc.com/elizabeth-gravier/" class="Author-styles-select-authorName--IoDuN">Elizabeth Gravier<span class="Author-styles-select-authorUnderline--MUpGv"></span></a><a href="https://linkedin.com//in/elizabethgravier" class="Author-styles-select-authorTwitter--fbkp5" target="_blank">@/in/elizabethgravier</a><a href="https://twitter.com/lizgravier_" class="Author-styles-select-authorTwitter--fbkp5" target="_blank">@lizgravier_</a></div></div></div></div></div><div class="SocialShare-styles-select-socialShare--DjDqO" data-test="SocialShare" id="social-buttons-transporter"><span class="SocialShare-styles-select-socialShareText--ulJut">Share</span><button class="SocialShare-styles-select-socialShareButton--UWtYc" data-test-allaccess="false" data-test-pro="false" data-test-ic="false"><span aria-hidden="true" class="SocialShare-styles-select-socialShareFacebook--RA4IL" data-analytic-id="Share Published" data-location="Article Header" data-provider="facebook"></span><span class="SocialShare-styles-select-socialShareLabel--hSuxj">Share Article via Facebook</span></button><button class="SocialShare-styles-select-socialShareButton--UWtYc" data-test-allaccess="false" data-test-pro="false" data-test-ic="false"><span aria-hidden="true" class="SocialShare-styles-select-socialShareTwitter--XJwg0" data-analytic-id="Share Published" data-location="Article Header" data-provider="twitter"></span><span class="SocialShare-styles-select-socialShareLabel--hSuxj">Share Article via Twitter</span></button><button class="SocialShare-styles-select-socialShareButton--UWtYc" data-test-allaccess="false" data-test-pro="false" data-test-ic="false"><span aria-hidden="true" class="SocialShare-styles-select-socialShareLinkedin--NrXQZ" data-analytic-id="Share Published" data-location="Article Header" data-provider="linkedin"></span><span class="SocialShare-styles-select-socialShareLabel--hSuxj">Share Article via LinkedIn</span></button><button class="SocialShare-styles-select-socialShareButton--UWtYc" data-test-allaccess="false" data-test-pro="false" data-test-ic="false"><span aria-hidden="true" class="SocialShare-styles-select-socialShareEmail--QUeWI" data-analytic-id="Share Published" data-location="Article Header" data-provider="email"></span><span class="SocialShare-styles-select-socialShareLabel--hSuxj">Share Article via Email</span></button></div></div></div></header></div></div></div><div class="PageBuilder-styles-select-containerFluidWidths--cLu14 PageBuilder-styles-select-pageRow--PTTRD"><div class="PageBuilder-styles-select-col-9--WCHwt PageBuilder-styles-select-col--qRu4W PageBuilder-styles-select-article--vymzP"><div class="ArticleBody-styles-select-articleBody--LzWbD" id="SelectRegularArticle-ArticleBody-6" data-module="ArticleBody" data-test="articleBody-1" data-analytics="SelectRegularArticle-articleBody-6-1"><span class="HighlightShare-styles-select-hidden--mu_W5" style="top:0;left:0"></span><div class="group"><p><em>Editor&#x27;s Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.</em></p><p><a href="https://www.cnbc.com/select/certificate-of-deposit/">CDs</a> are a type of savings account where you earn a fixed rate of interest over a fixed period, also known as a CD term. You can&#x27;t access your funds until the CD term ends. If you need more of an incentive not to touch your savings, a CD can be a smart move. At the end of the term, you receive your original deposit plus the accrued interest you earned.</p><div style="height:100%" class="lazyload-placeholder"></div><p>To determine the top CDs,<a href="https://www.cnbc.com/select/"> CNBC Select</a> ranked those that offer above-average APYs and a range of CD terms; some banks even offer different CD types, like a CD where you can raise your APY or a CD where you can withdraw penalty-free. All banks on this list are <a href="https://www.cnbc.com/select/fdic-insurance/">FDIC- </a>or NCUA-insured. (See <a href="#8Q3YsB67nkz">our methodology</a> for more information on how we choose the best CD accounts.)</p><div class="ArticleBody-styles-select-blockquote--olsIR"><h2>Best CD rates of December 2024</h2><ul><li><a href="https://secure.money.com/pr/gd38697d4d9a" rel="no follow" target="_blank"><strong>Alliant Credit Union</strong></a><strong>:</strong> Earn up to 4.30% APY</li><li><a href="https://secure.money.com/pr/r48bf0e3db6d" rel="nofollow" target="_blank"><strong>Ally Bank®</strong></a><strong>:</strong> Earn up to 4.30% APY</li><li><a href="https://secure.money.com/pr/d777ac376b4c" rel="nofollow" target="_blank"><strong>Barclays®</strong></a><strong>:</strong> Earn up to 4.25% APY</li><li><a href="https://secure.money.com/pr/o73e3d0da37c" rel="nofollow" target="_blank"><strong>BMO Alto</strong></a><strong>:</strong> Earn up to 4.50% APY</li><li><a href="https://secure.money.com/pr/d9eced9e9461" rel="nofollow" target="_blank"><strong>Bread Savings™</strong></a><strong>:</strong> Earn up to 4.70% APY</li><li><a href="https://secure.money.com/pr/l6f7cd210acb" rel="nofollow" target="_blank"><strong>LendingClub</strong></a><strong>:</strong> Earn up to 4.00% APY</li><li><a href="https://secure.money.com/pr/cf502fa93957" rel="nofollow" target="_blank"><strong>Marcus by Goldman Sachs®</strong></a><strong>:</strong> Earn up to 4.20% APY</li><li><a href="https://secure.money.com/pr/t49f5b9b479f" rel="nofollow" target="_blank"><strong>Popular Direct</strong></a><strong>:</strong> Earn up to 4.40% APY</li><li><a href="https://secure.money.com/pr/b3c7cf2dead1" rel="nofollow" target="_blank"><strong>Quontic Bank</strong></a><strong>:</strong> Earn up to 4.95% APY</li><li><a href="https://www.bankrate.com/landing/select/cds-spl-landing-page-synchrony/?sub-id=PLACESUBIDHERE" rel="nofollow" target="_blank"><strong>Synchrony Bank</strong></a><strong>:</strong> Earn up to 4.20% APY</li><li><a href="https://secure.money.com/pr/ica4d4678259" rel="nofollow" target="_blank"><strong>Vio Bank</strong></a><strong>:</strong> Earn up to 4.30% APY</li><li><a href="https://secure.money.com/pr/n466a84ad165" rel="nofollow" target="_blank"><strong>Discover Bank</strong></a><strong>:</strong> Earn up to 4.10% APY</li></ul></div></div><div style="height:400px" class="lazyload-placeholder"></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline0"></a>More on our top CDs</h2><div class="ArticleTable-styles-select-basicTableContainer--flwVu" data-test="ArticleTable"><section class="TableHeader-styles-select-container--u1_SL" data-test="TableHeader" style="border-color:#002f6c"><h3 class="TableHeader-styles-select-themeTitle--R1_lV TableHeader-styles-select-title--z0rC9">Compare the best CDs</h3></section><div><div class="BasicTable-styles-select-basicTable--tKvJz" data-test="BasicTable"><div class="BasicTable-styles-select-tableWrapper--COOGD"><div class="BasicTable-styles-select-articleContainer--Nm6Qf" style="border-color:#002f6c"><table class="BasicTable-styles-select-table--_WIIF"><thead class="BasicTable-styles-select-tableHeading--RiWLL BasicTable-styles-select-tableHeadingSortable--LYpzd"><tr><th><span class="BasicTable-styles-select-sortWrapper--rNjmF">Bank or Credit Union<!-- --> <span class="icon-sort BasicTable-styles-select-sortIcon--GLUbf"></span></span></th><th><span class="BasicTable-styles-select-sortWrapper--rNjmF">CD Terms<!-- --> <span class="icon-sort BasicTable-styles-select-sortIcon--GLUbf"></span></span></th><th><span class="BasicTable-styles-select-sortWrapper--rNjmF">Minimum Deposit<!-- --> <span class="icon-sort BasicTable-styles-select-sortIcon--GLUbf"></span></span></th></tr></thead><tbody class="BasicTable-styles-select-tableBody--eqbZx"><tr valign="middle"><td><span>Alliant Credit Union</span></td><td><span>3 months to 5 years</span></td><td><span>$1,000</span></td></tr><tr valign="middle"><td><span>Ally Bank</span></td><td><span>3 months to 5 years</span></td><td><span>None</span></td></tr><tr valign="middle"><td><span>Barclays</span></td><td><span>3 months to 5 years</span></td><td><span>None</span></td></tr><tr valign="middle"><td><span>BMO Alto</span></td><td><span>6 months to 5 years</span></td><td><span>None</span></td></tr><tr valign="middle"><td><span>Bread Savings</span></td><td><span>1 to 5 years</span></td><td><span>$1,500</span></td></tr><tr valign="middle"><td><span>LendingClub</span></td><td><span>6 months to 5 years</span></td><td><span>$2,500</span></td></tr><tr valign="middle"><td><span>Marcus by Goldman Sachs</span></td><td><span>6 months to 6 years</span></td><td><span>$500</span></td></tr><tr valign="middle"><td><span>Popular Direct</span></td><td><span>3 months to 5 years</span></td><td><span>$10,000</span></td></tr><tr valign="middle"><td><span>Quontic Bank</span></td><td><span>6 months to 5 years</span></td><td><span>$500</span></td></tr><tr valign="middle"><td><span>Synchrony Bank</span></td><td><span>3 months to 5 years</span></td><td><span>None</span></td></tr><tr valign="middle"><td><span>Vio Bank</span></td><td><span>6 months to 10 years</span></td><td><span>$500</span></td></tr></tbody></table></div></div><div><br/></div></div></div></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline1"></a>Alliant Credit Union</h2><div class="internal-link" id="opb9Mtqhnp"></div><section id="selectRegularArticle-AlliantCreditUnionCDs-1" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-1" data-analytics="selectRegularArticle-AlliantCreditUnionCDs-1"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/gd38697d4d9a" rel="sponsored" target="_blank">Alliant Credit Union CDs</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/gd38697d4d9a" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:1:AlliantCreditUnionCDs" data-analytics-id="LEARN MORE:1:AlliantCreditUnionCDs">Learn More</a></div><div class="SelectProduct-styles-select-source--bQ0ec SelectProduct-styles-select-showLockIcon--KcBFm">Alliant Credit Union is a Member NCUA.</div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Annual Percentage Yield (APY)</h4><div class="Features-styles-select-value--ApaQp"><p>From 3.10% to 4.30% APY</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Terms</h4><div class="Features-styles-select-value--ApaQp"><p>From 3 months to 60 months</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Minimum balance</h4><div class="Features-styles-select-value--ApaQp"><p>$1,000 minimum deposit</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Monthly fee</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Early withdrawal penalty fee</h4><div class="Features-styles-select-value--ApaQp"><p>Early withdrawal penalty may apply. For CD term of 17 months or less, penalty is number of days the certificate is open, up to 90 days; for CD term of 18 to 23 months, penalty is number of days the certificate is open, up to 120 days; for CD term of 24 to 48 or 60 months, penalty is number of days the certificate is open, up to 180 days; for during 7-day grace period for new certificates, penalty is 7 days (no dividends are earned), a penalty will be applied from the principal balance.</p></div></li></ul><div class="SelectProduct-styles-select-methodology--lIAUv"><p>Terms apply.</p></div></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Above-average APYs</li><li class="ProsAndCons-styles-select-item--ZT8du">Range of CD terms</li><li class="ProsAndCons-styles-select-item--ZT8du">No monthly fee</li><li class="ProsAndCons-styles-select-item--ZT8du">Jumbo CDs available for higher rate</li><li class="ProsAndCons-styles-select-item--ZT8du">Alliant Credit Union membership is available to anyone</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">$1,000 minimum deposit required</li><li class="ProsAndCons-styles-select-item--ZT8du">Highest APY offered is on a jumbo CD requiring deposit of $75,000+</li><li class="ProsAndCons-styles-select-item--ZT8du">You can’t access your money before your CD term ends</li><li class="ProsAndCons-styles-select-item--ZT8du">Early withdrawal penalty fee</li><li class="ProsAndCons-styles-select-item--ZT8du">No physical branch locations</li></ul></div></div></div><div class="SelectProduct-styles-select-description--tT9x_"><div class="group"><p><br/></p></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/gd38697d4d9a" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:1:AlliantCreditUnionCDs" data-analytics-id="LEARN MORE:1:AlliantCreditUnionCDs">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><a href="#NaSOY8-FIc"><strong>[ Jump to more details ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline2"></a>Ally Bank</h2><div class="internal-link" id="ZF3Bl6tjBB"></div><section id="selectRegularArticle-AllyBankCDs-2" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-2" data-analytics="selectRegularArticle-AllyBankCDs-2"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/r48bf0e3db6d" rel="sponsored" target="_blank">Ally Bank® CDs</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/r48bf0e3db6d" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:2:AllyBankCDs" data-analytics-id="LEARN MORE:2:AllyBankCDs">Learn More</a></div><div class="SelectProduct-styles-select-source--bQ0ec SelectProduct-styles-select-showLockIcon--KcBFm">Ally Bank® is a Member FDIC.</div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Annual Percentage Yield (APY)</h4><div class="Features-styles-select-value--ApaQp"><p>From 3.00% to 4.30% APY</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Terms</h4><div class="Features-styles-select-value--ApaQp"><p>From 3 months to 5 years</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Minimum balance</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Monthly fee</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Early withdrawal penalty fee</h4><div class="Features-styles-select-value--ApaQp"><p>High Yield CDs and Raise Your Rate CDs have early withdrawal penalties that vary based on your CD term. With the No Penalty CD, withdraw all your money any time after the first 6 days following the date you funded the account and keep the interest earned with no penalty.</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll"></h4><div class="Features-styles-select-value--ApaQp"><p>Terms apply.</p></div></li></ul><div class="SelectProduct-styles-select-methodology--lIAUv"><p><strong>Read our </strong><a href="https://www.cnbc.com/select/ally-bank-high-yield-cd-review/"><strong>Ally Bank High Yield CD review</strong></a><strong>.</strong></p></div></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Above-average APYs</li><li class="ProsAndCons-styles-select-item--ZT8du">Range of CD terms</li><li class="ProsAndCons-styles-select-item--ZT8du">No minimum balance</li><li class="ProsAndCons-styles-select-item--ZT8du">No monthly fee</li><li class="ProsAndCons-styles-select-item--ZT8du">Offers CD options to raise your APY, withdraw with no penalty and save for retirement</li><li class="ProsAndCons-styles-select-item--ZT8du">0.05% Loyalty Reward automatically added to CD account renewals</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">You can&#x27;t access your money before your CD term ends</li><li class="ProsAndCons-styles-select-item--ZT8du">Early withdrawal penalty fee on certain CDs</li><li class="ProsAndCons-styles-select-item--ZT8du">No physical branch locations</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/r48bf0e3db6d" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:2:AllyBankCDs" data-analytics-id="LEARN MORE:2:AllyBankCDs">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><a href="#NT6JOPm-ow"><strong>[ Jump to more details ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline3"></a>Barclays</h2><div class="internal-link" id="Dwl8p7cGI1"></div><section id="selectRegularArticle-BarclaysCDs-3" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-3" data-analytics="selectRegularArticle-BarclaysCDs-3"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/d777ac376b4c" rel="sponsored" target="_blank">Barclays CDs</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/d777ac376b4c" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:3:BarclaysCDs" data-analytics-id="LEARN MORE:3:BarclaysCDs">Learn More</a></div><div class="SelectProduct-styles-select-source--bQ0ec SelectProduct-styles-select-showLockIcon--KcBFm">Barclays Bank Delaware is a Member FDIC.</div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Annual Percentage Yield (APY)</h4><div class="Features-styles-select-value--ApaQp"><p>From 0.10% to 4.25% APY</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Terms</h4><div class="Features-styles-select-value--ApaQp"><p>From 3 months to 60 months</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Minimum balance</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Monthly fee</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Early withdrawal penalty fee</h4><div class="Features-styles-select-value--ApaQp"><p>A penalty may be charged for early withdrawal.</p></div></li></ul><div class="SelectProduct-styles-select-methodology--lIAUv"><p>Terms apply.</p></div></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Above-average APYs</li><li class="ProsAndCons-styles-select-item--ZT8du">Range of CD terms</li><li class="ProsAndCons-styles-select-item--ZT8du">No minimum balance</li><li class="ProsAndCons-styles-select-item--ZT8du">No monthly fee</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">You can&#x27;t access your money before your CD term ends</li><li class="ProsAndCons-styles-select-item--ZT8du">Early withdrawal penalty fee may apply</li><li class="ProsAndCons-styles-select-item--ZT8du">Doesn&#x27;t offer CD options beyond the traditional type</li><li class="ProsAndCons-styles-select-item--ZT8du">No physical branch locations in the U.S.</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/d777ac376b4c" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:3:BarclaysCDs" data-analytics-id="LEARN MORE:3:BarclaysCDs">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><a href="#xIsU1-s7AQ"><strong>[ Jump to more details ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline4"></a>BMO Alto</h2><div class="internal-link" id="mPIwtuW2m1"></div><section id="selectRegularArticle-BMOAltoCDs-4" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-4" data-analytics="selectRegularArticle-BMOAltoCDs-4"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/o73e3d0da37c" rel="sponsored" target="_blank">BMO Alto CDs</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/o73e3d0da37c" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:4:BMOAltoCDs" data-analytics-id="LEARN MORE:4:BMOAltoCDs">Learn More</a></div><div class="SelectProduct-styles-select-source--bQ0ec SelectProduct-styles-select-showLockIcon--KcBFm">BMO Alto is a Member FDIC.</div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Annual Percentage Yield (APY)</h4><div class="Features-styles-select-value--ApaQp"><p>From 3.90% to 4.50% APY</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Terms</h4><div class="Features-styles-select-value--ApaQp"><p>From 6 months to 60 months</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Minimum deposit</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Monthly fee</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Early withdrawal penalty fee</h4><div class="Features-styles-select-value--ApaQp"><p>An early withdrawal of principal before maturity will cost an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty:</p></div></li></ul><div class="SelectProduct-styles-select-methodology--lIAUv"><p>Terms apply.</p></div></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Above-average APYs</li><li class="ProsAndCons-styles-select-item--ZT8du">Range of CD terms</li><li class="ProsAndCons-styles-select-item--ZT8du">No minimum deposit</li><li class="ProsAndCons-styles-select-item--ZT8du">No monthly fee</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">You can&#x27;t access your money before your CD term ends</li><li class="ProsAndCons-styles-select-item--ZT8du">Early withdrawal penalty fees apply</li><li class="ProsAndCons-styles-select-item--ZT8du">No physical branch locations</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/o73e3d0da37c" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:4:BMOAltoCDs" data-analytics-id="LEARN MORE:4:BMOAltoCDs">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><a href="#GEiEwbkRBd_"><strong>[ Jump to more details ]</strong></a></p><div style="height:100%" class="lazyload-placeholder"></div></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline5"></a>Bread Savings</h2><div class="internal-link" id="iQ8ohcVk0N"></div><section id="selectRegularArticle-BreadSavingsformerlyComenityDirectCDs-5" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-5" data-analytics="selectRegularArticle-BreadSavingsformerlyComenityDirectCDs-5"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/d9eced9e9461" rel="sponsored" target="_blank">Bread Savings™ (formerly Comenity Direct) CDs</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/d9eced9e9461" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:5:BreadSavingsformerlyComenityDirectCDs" data-analytics-id="LEARN MORE:5:BreadSavingsformerlyComenityDirectCDs">Learn More</a></div><div class="SelectProduct-styles-select-source--bQ0ec SelectProduct-styles-select-showLockIcon--KcBFm">Bread Savings™ (formerly Comenity Direct) is a product of Comenity Capital Bank, a Member FDIC.</div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Annual Percentage Yield (APY)</h4><div class="Features-styles-select-value--ApaQp"><p>From 3.85% to 4.70% APY</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Terms</h4><div class="Features-styles-select-value--ApaQp"><p>From 1 year to 5 years</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Minimum balance</h4><div class="Features-styles-select-value--ApaQp"><p>$1,500 minimum deposit</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Monthly fee</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Early withdrawal penalty fee</h4><div class="Features-styles-select-value--ApaQp"><p>Early withdrawal penalty applies. For terms shorter than 1 year, the penalty is 90 days simple interest. For terms 12 months to 3 years, the penalty is 180 days simple interest. For terms 4 years and up, the penalty is 365 days simple interest.</p></div></li></ul><div class="SelectProduct-styles-select-methodology--lIAUv"><p>See <a href="#methodology">our methodology</a>, terms apply.</p></div></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Above-average APYs</li><li class="ProsAndCons-styles-select-item--ZT8du">Range of CD terms</li><li class="ProsAndCons-styles-select-item--ZT8du">No monthly fee</li><li class="ProsAndCons-styles-select-item--ZT8du">Higher renewal rate automatically added to one-, two- and three-year CD account renewals</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">$1,500 minimum deposit</li><li class="ProsAndCons-styles-select-item--ZT8du">You can&#x27;t access your money before your CD term ends</li><li class="ProsAndCons-styles-select-item--ZT8du">Early withdrawal penalty fee applies</li><li class="ProsAndCons-styles-select-item--ZT8du">Doesn’t offer CD options beyond the traditional type</li><li class="ProsAndCons-styles-select-item--ZT8du">No physical branch locations</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/d9eced9e9461" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:5:BreadSavingsformerlyComenityDirectCDs" data-analytics-id="LEARN MORE:5:BreadSavingsformerlyComenityDirectCDs">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><a href="#OFsZNItplVq"><strong>[ Jump to more details ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline6"></a>LendingClub</h2><div class="internal-link" id="VxfZ-GuDt4"></div><section id="selectRegularArticle-LendingClubCDs-6" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-6" data-analytics="selectRegularArticle-LendingClubCDs-6"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/l6f7cd210acb" rel="sponsored" target="_blank">LendingClub CDs</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/l6f7cd210acb" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:6:LendingClubCDs" data-analytics-id="LEARN MORE:6:LendingClubCDs">Learn More</a></div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Annual Percentage Yield (APY)</h4><div class="Features-styles-select-value--ApaQp"><p>From 3.40% to 4.00% APY</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Terms</h4><div class="Features-styles-select-value--ApaQp"><p>From 6 months to 5 years</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Minimum deposit</h4><div class="Features-styles-select-value--ApaQp"><p>$2,500</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Monthly fee</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Early withdrawal penalty fee</h4><div class="Features-styles-select-value--ApaQp"><p>Early withdrawal penalty applies. For terms 1 year or less, the penalty is 90 days simple interest. For terms greater than 1 year, the penalty is 180 days simple interest.</p></div></li></ul><div class="SelectProduct-styles-select-methodology--lIAUv"><p>Terms apply.</p></div></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Above-average APYs</li><li class="ProsAndCons-styles-select-item--ZT8du">Range of CD terms</li><li class="ProsAndCons-styles-select-item--ZT8du">No monthly fee</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">$2,500 minimum deposit</li><li class="ProsAndCons-styles-select-item--ZT8du">You can&#x27;t access your money before your CD term ends</li><li class="ProsAndCons-styles-select-item--ZT8du">Early withdrawal penalty fees apply</li><li class="ProsAndCons-styles-select-item--ZT8du">No physical branch locations</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/l6f7cd210acb" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:6:LendingClubCDs" data-analytics-id="LEARN MORE:6:LendingClubCDs">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><a href="#cKhtMEQuc28"><strong>[ Jump to more details ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline7"></a>Marcus by Goldman Sachs</h2><div class="internal-link" id="oDhwR_0aR9"></div><section id="selectRegularArticle-MarcusbyGoldmanSachsCDs-7" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-7" data-analytics="selectRegularArticle-MarcusbyGoldmanSachsCDs-7"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/cf502fa93957" rel="sponsored" target="_blank">Marcus by Goldman Sachs® CDs</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/cf502fa93957" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:7:MarcusbyGoldmanSachsCDs" data-analytics-id="LEARN MORE:7:MarcusbyGoldmanSachsCDs">Learn More</a></div><div class="SelectProduct-styles-select-source--bQ0ec SelectProduct-styles-select-showLockIcon--KcBFm">Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USA, a Member FDIC.</div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Annual Percentage Yield (APY)</h4><div class="Features-styles-select-value--ApaQp"><p>From 3.75% to 4.20% APY</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Terms</h4><div class="Features-styles-select-value--ApaQp"><p>From 6 months to 6 years</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Minimum deposit</h4><div class="Features-styles-select-value--ApaQp"><p>$500</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Monthly fee</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Early withdrawal penalty fee</h4><div class="Features-styles-select-value--ApaQp"><p>If you withdraw the balance entire principal amount from your CD account prior to maturity, you&#x27;ll be charged an early withdrawal penalty based on the term of your CD and the principal (except in the case of a No-Penalty CD). Here&#x27;s how early withdrawal penalties are calculated:</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll"></h4><div class="Features-styles-select-value--ApaQp"><p>Early Withdrawal Penalty = Interest Rate ÷ 365 (or 366) × Penalty Days × Original Principal Balance</p></div></li></ul><div class="SelectProduct-styles-select-methodology--lIAUv"><p>Terms apply.</p></div></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Above-average APYs</li><li class="ProsAndCons-styles-select-item--ZT8du">Range of CD terms</li><li class="ProsAndCons-styles-select-item--ZT8du">No monthly fee</li><li class="ProsAndCons-styles-select-item--ZT8du">Offers CD options to raise your APY and withdraw with no penalty</li><li class="ProsAndCons-styles-select-item--ZT8du">10-Day CD Rate Guarantee: If the rate on your CD goes up within first 10 days of opening, you&#x27;ll get that rate automatically</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">$500 minimum deposit</li><li class="ProsAndCons-styles-select-item--ZT8du">You can&#x27;t access your money before your CD term ends</li><li class="ProsAndCons-styles-select-item--ZT8du">Early withdrawal penalty fees apply</li><li class="ProsAndCons-styles-select-item--ZT8du">No physical branch locations</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/cf502fa93957" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:7:MarcusbyGoldmanSachsCDs" data-analytics-id="LEARN MORE:7:MarcusbyGoldmanSachsCDs">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><a href="#1Sb1g5YK_U9"><strong>[ Jump to more details ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline8"></a>Popular Direct</h2><div class="internal-link" id="rTDVbeMDYF"></div><section id="selectRegularArticle-PopularDirectCDs-8" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-8" data-analytics="selectRegularArticle-PopularDirectCDs-8"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/t49f5b9b479f" rel="sponsored" target="_blank">Popular Direct CDs</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/t49f5b9b479f" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:8:PopularDirectCDs" data-analytics-id="LEARN MORE:8:PopularDirectCDs">Learn More</a></div><div class="SelectProduct-styles-select-source--bQ0ec SelectProduct-styles-select-showLockIcon--KcBFm">Popular Direct products are offered by Popular Bank, a Member FDIC.</div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Annual Percentage Yield (APY)</h4><div class="Features-styles-select-value--ApaQp"><p>From 3.35% to 4.40% APY</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Terms</h4><div class="Features-styles-select-value--ApaQp"><p>From 3 months to 60 months</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Minimum deposit</h4><div class="Features-styles-select-value--ApaQp"><p>$10,000</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Monthly fee</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Early withdrawal penalty fee</h4><div class="Features-styles-select-value--ApaQp"><p>For terms less than 91 days: The fee is 89 days simple interest; For terms equal to or greater than 91 days but less than 12 months: The fee is 120 days simple interest; For terms equal to or greater than 12 months but less than 36 months: The fee is 270 days simple interest; For terms equal to or greater than 36 months but less than 60 months: The fee is 365 days simple interest; For terms equal to or greater than 60 months: The fee is 730 days simple interest</p></div></li></ul><div class="SelectProduct-styles-select-methodology--lIAUv"><p>Terms apply.</p></div></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Above-average APYs</li><li class="ProsAndCons-styles-select-item--ZT8du">Range of CD terms</li><li class="ProsAndCons-styles-select-item--ZT8du">No monthly fee</li><li class="ProsAndCons-styles-select-item--ZT8du">Has physical branch locations</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">$10,000 minimum deposit</li><li class="ProsAndCons-styles-select-item--ZT8du">You can&#x27;t access your money before your CD term ends</li><li class="ProsAndCons-styles-select-item--ZT8du">Early withdrawal penalty fees apply</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/t49f5b9b479f" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:8:PopularDirectCDs" data-analytics-id="LEARN MORE:8:PopularDirectCDs">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><a href="#_66Ce-CPxMi"><strong>[ Jump to more details ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline9"></a>Quontic Bank</h2><div class="internal-link" id="5QumgixrTF"></div><section id="selectRegularArticle-QuonticBankCDs-9" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-9" data-analytics="selectRegularArticle-QuonticBankCDs-9"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/b3c7cf2dead1" rel="sponsored" target="_blank">Quontic Bank CDs</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/b3c7cf2dead1" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:9:QuonticBankCDs" data-analytics-id="LEARN MORE:9:QuonticBankCDs">Learn More</a></div><div class="SelectProduct-styles-select-source--bQ0ec SelectProduct-styles-select-showLockIcon--KcBFm">Quontic Bank is a Member FDIC.</div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Annual Percentage Yield (APY)</h4><div class="Features-styles-select-value--ApaQp"><p>From 3.00% to 4.95% APY</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Terms</h4><div class="Features-styles-select-value--ApaQp"><p>From 3 months to 5 years</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Minimum balance</h4><div class="Features-styles-select-value--ApaQp"><p>$500 minimum deposit</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Monthly fee</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Early withdrawal penalty fee</h4><div class="Features-styles-select-value--ApaQp"><p>Withdrawals before the maturity date are subject to penalties. For time deposits up to 12 months, the penalty will be equal to the interest for the full length of the stated term. For time deposits 12 months to under 24 months, the penalty equals one year interest. For time deposits 24 months and over, the penalty equals two years interest. If the accrued interest exceeds the penalty amount, the excess accrued interest over the penalty amount will be paid to you. If the accrued interest is less than the penalty amount, a reduction of the principal balance may result.</p></div></li></ul><div class="SelectProduct-styles-select-methodology--lIAUv"><p>Terms apply.</p></div></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Above-average APYs</li><li class="ProsAndCons-styles-select-item--ZT8du">Range of CD terms</li><li class="ProsAndCons-styles-select-item--ZT8du">No monthly fee</li><li class="ProsAndCons-styles-select-item--ZT8du">As a Community Development Financial Institution (CDFI), Quontic supports economically disadvantaged communities</li><li class="ProsAndCons-styles-select-item--ZT8du">Has loan offices in South Florida, Melville, Astoria and Indianapolis</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">$500 minimum deposit</li><li class="ProsAndCons-styles-select-item--ZT8du">You can&#x27;t access your money before your CD term ends</li><li class="ProsAndCons-styles-select-item--ZT8du">Early withdrawal penalty fee applies</li><li class="ProsAndCons-styles-select-item--ZT8du">Doesn’t offer CD options beyond the traditional type</li><li class="ProsAndCons-styles-select-item--ZT8du">No physical branch locations</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/b3c7cf2dead1" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:9:QuonticBankCDs" data-analytics-id="LEARN MORE:9:QuonticBankCDs">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><a href="#ekDVDwsDuel"><strong>[ Jump to more details ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline10"></a>Synchrony Bank</h2><div class="internal-link" id="U6RfVnH-80"></div><section id="selectRegularArticle-SynchronyBankCDs-10" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-10" data-analytics="selectRegularArticle-SynchronyBankCDs-10"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://www.bankrate.com/landing/select/cds-spl-landing-page-synchrony/?sub-id=PLACESUBIDHERE" rel="sponsored" target="_blank">Synchrony Bank CDs</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://www.bankrate.com/landing/select/cds-spl-landing-page-synchrony/?sub-id=PLACESUBIDHERE" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:10:SynchronyBankCDs" data-analytics-id="LEARN MORE:10:SynchronyBankCDs">Learn More</a></div><div class="SelectProduct-styles-select-source--bQ0ec SelectProduct-styles-select-showLockIcon--KcBFm">Synchrony Bank is a Member FDIC.</div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Annual Percentage Yield (APY)</h4><div class="Features-styles-select-value--ApaQp"><p>From 0.25% to 4.20% APY</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Terms</h4><div class="Features-styles-select-value--ApaQp"><p>From 3 months to 60 months</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Minimum balance</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Monthly fee</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Early withdrawal penalty fee</h4><div class="Features-styles-select-value--ApaQp"><p>There may be an early withdrawal penalty if you withdraw funds from the principal prior to the CD maturity date (the last day of the CD term). The penalty is applied to the amount of principal withdrawn (there&#x27;s no penalty on interest). For the No-Penalty CD, early withdrawals are not permitted within the first 6 days after account funding. Following that, only withdrawal of the entire balance is allowed.</p></div></li></ul><div class="SelectProduct-styles-select-methodology--lIAUv"><p>Terms apply.</p></div></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Above-average APYs</li><li class="ProsAndCons-styles-select-item--ZT8du">Range of CD terms</li><li class="ProsAndCons-styles-select-item--ZT8du">No minimum balance</li><li class="ProsAndCons-styles-select-item--ZT8du">No monthly fee</li><li class="ProsAndCons-styles-select-item--ZT8du">Offers CD options to raise your APY, withdraw with no penalty and save for retirement</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">You can’t access your money before your CD term ends</li><li class="ProsAndCons-styles-select-item--ZT8du">Early withdrawal penalty fee on certain CDs</li><li class="ProsAndCons-styles-select-item--ZT8du">No physical branch locations</li></ul></div></div></div><div class="SelectProduct-styles-select-description--tT9x_"><div class="group"><p><em>APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest for your CD type in effect at that time.</em> </p><p><br/></p></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://www.bankrate.com/landing/select/cds-spl-landing-page-synchrony/?sub-id=PLACESUBIDHERE" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:10:SynchronyBankCDs" data-analytics-id="LEARN MORE:10:SynchronyBankCDs">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><a href="#y9TZs4GbJFx"><strong>[ Jump to more details ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline11"></a>Vio Bank</h2><div class="internal-link" id="t9hxJ-gu5T"></div><section id="selectRegularArticle-VioBankCDs-11" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-11" data-analytics="selectRegularArticle-VioBankCDs-11"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/ica4d4678259" rel="sponsored" target="_blank">Vio Bank CDs</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/ica4d4678259" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:11:VioBankCDs" data-analytics-id="LEARN MORE:11:VioBankCDs">Learn More</a></div><div class="SelectProduct-styles-select-source--bQ0ec SelectProduct-styles-select-showLockIcon--KcBFm">Vio Bank is the online-only division of MidFirst Bank, a Member FDIC.</div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Annual Percentage Yield (APY)</h4><div class="Features-styles-select-value--ApaQp"><p>From 2.75% to 4.30% APY</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Terms</h4><div class="Features-styles-select-value--ApaQp"><p>From 6 months to 120 months</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Minimum balance</h4><div class="Features-styles-select-value--ApaQp"><p>$500 minimum deposit</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Monthly fee</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Early withdrawal penalty fee</h4><div class="Features-styles-select-value--ApaQp"><p>Penalty may be imposed for early CD withdrawal. For CD term 7 to 31 days, penalty amount is all of the interest earned on the amount being withdrawn; for CD term 32 days to 12 months, penalty amount is 1% of the amount withdrawn, plus a $25 fee; for CD term greater than 12 months, penalty amount is 3% of the amount withdrawn, plus a $25 fee.</p></div></li></ul><div class="SelectProduct-styles-select-methodology--lIAUv"><p>Terms apply.</p></div></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Above-average APYs</li><li class="ProsAndCons-styles-select-item--ZT8du">Range of CD terms</li><li class="ProsAndCons-styles-select-item--ZT8du">No monthly fee</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">$500 minimum deposit required</li><li class="ProsAndCons-styles-select-item--ZT8du">You can’t access your money before your CD term ends</li><li class="ProsAndCons-styles-select-item--ZT8du">Early withdrawal penalty fee</li><li class="ProsAndCons-styles-select-item--ZT8du">No physical branch locations</li></ul></div></div></div><div class="SelectProduct-styles-select-description--tT9x_"><div class="group"><p><br/></p></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/ica4d4678259" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:11:VioBankCDs" data-analytics-id="LEARN MORE:11:VioBankCDs">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><a href="#yBQCMMWmkNS"><strong>[ Jump to more details ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline12"></a>Discover Bank</h2><div class="internal-link" id="y8ILnxIQWN"></div><section id="selectRegularArticle-DiscoverCDs-12" class="SelectProduct-styles-select-container--ggPlN" data-test="CreditCard-12" data-analytics="selectRegularArticle-DiscoverCDs-12"><div></div><h3 class="SelectProduct-styles-select-headline--qo9f8"><a href="https://secure.money.com/pr/n466a84ad165" rel="sponsored" target="_blank">Discover CDs</a></h3><div class="SelectProduct-styles-select-top--Ny5N9"><div class="SelectProduct-styles-select-imageContainer--ePFxf"><div style="height:100%" class="lazyload-placeholder"></div><div class="CallToAction-styles-select-container--jiOPm"><a href="https://secure.money.com/pr/n466a84ad165" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:12:DiscoverCDs" data-analytics-id="LEARN MORE:12:DiscoverCDs">Learn More</a></div><div class="SelectProduct-styles-select-source--bQ0ec SelectProduct-styles-select-showLockIcon--KcBFm">Discover Bank is a Member FDIC.</div></div><div class="SelectProduct-styles-select-featuresContainer--MOfZH"><ul class="Features-styles-select-creditCard--Eb4ur Features-styles-select-featureList--o2tBn"><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Annual Percentage Yield (APY)</h4><div class="Features-styles-select-value--ApaQp"><p>From 2.00% to 4.10% APY</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Terms</h4><div class="Features-styles-select-value--ApaQp"><p>From 3 months to 10 years</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Minimum balance</h4><div class="Features-styles-select-value--ApaQp"><p>N/A</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Monthly fee</h4><div class="Features-styles-select-value--ApaQp"><p>None</p></div></li><li class="Features-styles-select-featureItem--XBWNy"><h4 class="Features-styles-select-featureItemHeader--DHZll">Early withdrawal penalty fee</h4><div class="Features-styles-select-value--ApaQp"><p>Early withdrawal penalty applies. For terms shorter than one year, the penalty is three months&#x27; simple interest. For terms of one year to less than four years, the penalty is six months&#x27; simple interest. For terms of four to five years, the penalty is nine months&#x27; simple interest. For terms of five to seven years, the penalty is 18 months&#x27; simple interest. For terms of seven to 10 years, the penalty is 24 months&#x27; simple interest.</p></div></li></ul><div class="SelectProduct-styles-select-methodology--lIAUv"><p>Terms apply.</p></div></div></div><div class="CollapsibleContainer-collapsibleContainer CollapsibleContainer-collapsed"><div class="CollapsibleContainer-collapsibleContent"><div class="SelectProduct-styles-select-bottom--RMU6E SelectProduct-styles-select-collapsibleBottom--YDByJ"><div class="SelectProduct-styles-select-prosAndConsContainer--nF8Eu"><div class="ProsAndCons-styles-select-creditCard--zWpNk"><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-pros--llcAG"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Pros</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">Above-average APYs</li><li class="ProsAndCons-styles-select-item--ZT8du">Range of CD terms</li><li class="ProsAndCons-styles-select-item--ZT8du">No monthly fee</li></ul></div><div class="ProsAndCons-styles-select-column--zbHVP ProsAndCons-styles-select-cons--Ygwae"><h4 class="ProsAndCons-styles-select-columnTitle--RXXck"><span class="ProsAndCons-styles-select-decoration--P6_Vt"></span>Cons</h4><ul><li class="ProsAndCons-styles-select-item--ZT8du">You can&#x27;t access your money before your CD term ends</li><li class="ProsAndCons-styles-select-item--ZT8du">Early withdrawal penalty fee applies</li><li class="ProsAndCons-styles-select-item--ZT8du">No physical branch locations</li></ul></div></div></div><div class="SelectProduct-styles-select-mobileOnly--L0rDe"><div class="CallToAction-styles-select-container--jiOPm CallToAction-styles-select-fixedWidthButton--pJzjJ"><a href="https://secure.money.com/pr/n466a84ad165" class="CallToAction-styles-select-button--C0Ugk" rel="sponsored" target="_blank" data-analytics="LEARN MORE:12:DiscoverCDs" data-analytics-id="LEARN MORE:12:DiscoverCDs">Learn More</a></div></div></div><div class="CollapsibleContainer-fadingGradient"></div></div><div class="CollapsibleContainer-toggleContainer"><a class="CollapsibleContainer-toggle" role="link" tabindex="0"><span>View More</span><span class="icon-arrow-down-readmore"></span></a></div></div></section><div class="group"><p><a href="#2s9KG2jbFyw"><strong>[ Jump to more details ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline13"></a>Find the right savings account for you</h2><div style="height:400px" class="lazyload-placeholder"></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline14"></a>Alliant Credit Union CDs</h2><div class="internal-link" id="NaSOY8-FIc"></div><div class="group"><p><a href="https://secure.money.com/pr/gd38697d4d9a" rel="no follow" target="_blank">Alliant Credit Union</a> offers CD terms ranging from three to 60 months, earning up to 4.30% APY. There&#x27;s a $1,000 minimum deposit required for all CDs. Alliant also offers jumbo CDs where you can earn higher rates with deposits of $75,000 or more. Although Alliant is a credit union, <a href="https://www.alliantcreditunion.org/help/who-is-eligible-to-join-alliant" target="_blank">membership is open to anyone</a>. You can become a member for free by signing up as an Alliant Credit Union Foundation <a href="https://www.alliantcreditunionfoundation.org/become-a-digital-advocate" target="_blank">digital inclusion advocate</a> and Alliant will make the one-time $5 contribution to the foundation on your behalf.</p><p><strong>CD terms offered</strong></p><p>3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months</p><p><strong>Monthly fee</strong></p><p>None if you select eStatements</p><p><strong>Early withdrawal penalty fee</strong></p><ul><li>For CD term of 17 months or less, penalty is number of days the certificate is open, up to 90 days</li><li>For CD term of 18 to 23 months, penalty is number of days the certificate is open, up to 120 days</li><li>For CD term of 24 to 48 or 60 months, penalty is number of days the certificate is open, up to 180 days</li><li>For during 7-day grace period for new certificates, penalty is 7 days (no dividends are earned), a penalty will be applied from the principal balance</li></ul><p><a href="#opb9Mtqhnp"><strong>[ Return to summary ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline15"></a>Ally Bank CDs</h2><div class="internal-link" id="NT6JOPm-ow"></div><div class="group"><p><a href="https://secure.money.com/pr/r48bf0e3db6d" rel="nofollow" target="_blank">Ally Bank</a> offers High Yield CDs, Raise Your Rate CDs (get a higher rate when rates increase), No Penalty CDs (withdraw penalty-free) and IRA CDs (save for retirement). CD term lengths range from three months to five years, and you can earn up to 4.30% APY. Ally compounds interest daily, and there is no minimum deposit to open an account.</p><p>Ally is an online-only bank that offers a range of highly-rated financial products, including everything from checking and savings accounts, to trading platforms, <a href="https://www.cnbc.com/select/best-personal-loans/">personal loans</a> and mortgage refinancing. The bank has an easy-to-use mobile app and 24/7 live customer service available over the phone, through online chat or on the app.</p><p><strong>CD terms offered</strong></p><p>3 months, 6 months, 9 months, 12 months, 18 months, 36 months, 60 months</p><p><strong>Monthly fee</strong></p><p>None</p><p><strong>Early withdrawal penalty fee</strong></p><p>High Yield CDs and Raise Your Rate CDs have early withdrawal penalties that vary based on your CD term. With the No Penalty CD, withdraw all your money any time after the first 6 days following the date you funded the account and keep the interest earned with no penalty.</p><p><a href="#ZF3Bl6tjBB"><strong>[ Return to summary ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline16"></a>Barclays CDs</h2><div class="internal-link" id="xIsU1-s7AQ"></div><div class="group"><p><a href="https://secure.money.com/pr/d777ac376b4c" rel="nofollow" target="_blank">Barclays</a> offers traditional CDs with term lengths ranging from 3 months to 60 months, and you can earn up to 4.25% APY. Barclays compounds interest daily, and none of its CDs have a minimum deposit requirement.</p><p>Barclays is a brick-and-mortar bank in the U.K. with online banking available across the U.S.</p><p><strong>CD terms offered</strong></p><p>3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months</p><p><strong>Monthly fee</strong></p><p>None</p><p><strong>Early withdrawal penalty fee</strong></p><p>A penalty may be charged for early withdrawal.</p><p><a href="#Dwl8p7cGI1"><strong>[ Return to summary ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline17"></a>BMO Alto CDs</h2><div class="internal-link" id="GEiEwbkRBd_"></div><div class="group"><p>With<a href="https://secure.money.com/pr/o73e3d0da37c" rel="nofollow" target="_blank"> BMO Alto</a>, you can access CD terms ranging from six months to 60 months, earning up to 4.50% APY. There&#x27;s no minimum balance or minimum deposit requirement, and interest is paid monthly.</p><p><strong>CD terms offered</strong></p><p>6 months, 12 months, 24 months, 36 months, 48 months, 60 months</p><p><strong>Monthly fee</strong></p><p>None</p><p><strong>Early withdrawal penalty fee</strong></p><p>An early withdrawal of principal before maturity will cost an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required to pay the penalty:</p><ul><li>11 months or less: You&#x27;ll be charged 90 days interest</li><li>12 months or more: You&#x27;ll be charged 180 days interest</li></ul><p><a href="#mPIwtuW2m1"><strong>[ Return to summary ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline18"></a>Bread Savings CDs</h2><div class="internal-link" id="OFsZNItplVq"></div><div class="group"><p><a href="https://secure.money.com/pr/d9eced9e9461" rel="nofollow" target="_blank">Bread Savings</a> offers traditional CDs with term lengths ranging from one year to five years, and you can earn up to 4.70% APY. Whereas the other banks on this list have no minimums and no monthly fees, Bread Savings requires a $1,500 minimum opening deposit. There are no monthly maintenance fees.</p><p>Bread Savings is an online-only bank and is a product of Comenity Capital Bank, which is part of Bread Financial. Customer service is available over the phone seven days a week, from 7 a.m. to 9 p.m. CT on weekdays and from 9 a.m. to 5 p.m. CT on weekends and most holidays.</p><p><strong>CD terms offered</strong></p><p>1 year, 2 years, 3 years, 4 years, 5 years</p><p><strong>Monthly fee</strong></p><p>None</p><p><strong>Early withdrawal penalty fee</strong></p><ul><li>For terms shorter than 1 year, the penalty is 90 days simple interest</li><li>For terms 12 months to 3 years, the penalty is 180 days simple interest</li><li>For terms 4 years and up, the penalty is 365 days simple interest</li></ul><p><a href="#iQ8ohcVk0N"><strong>[ Return to summary ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline19"></a>LendingClub CDs</h2><div class="internal-link" id="cKhtMEQuc28"></div><div class="group"><p><a href="https://secure.money.com/pr/l6f7cd210acb" rel="nofollow" target="_blank">LendingClub</a> offers CD terms ranging from six months to five years and you can earn up to 4.00% APY. There&#x27;s a $2,500 minimum required to open a CD account and you can deposit up to $250,000.</p><p><strong>CD terms offered</strong></p><p>6 months, 12 months, 18 months, 24 months, 36 months, 60 months</p><p><strong>Monthly fee</strong></p><p>None</p><p><strong>Early withdrawal penalty fee</strong></p><ul><li>For terms 1 year or less, the penalty is 90 days simple interest</li><li>For terms greater than 1 year, the penalty is 180 days simple interest</li></ul><p><a href="#VxfZ-GuDt4"><strong>[ Return to summary ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline20"></a>Marcus by Goldman Sachs CDs</h2><div class="internal-link" id="1Sb1g5YK_U9"></div><div class="group"><p><a href="https://secure.money.com/pr/cf502fa93957" rel="nofollow" target="_blank">Marcus by Goldman Sachs</a> offers High-Yield CDs, Rate Bump CDs (get a higher rate) and No-Penalty CDs (withdraw penalty-free). CD term lengths range from six months to six years, and you can earn up to 4.20% APY. Marcus by Goldman Sachs has a $500 minimum deposit requirement, but there are no monthly maintenance fees.</p><p>Marcus is an online-only division of Goldman Sachs. The bank&#x27;s U.S.-based contact center is open 24/7 for live customer support over the phone or through online chat.</p><p><strong>CD terms offered</strong></p><p>6 months, 9 months, 12 months, 18 months, 2 years, 3 years, 4 years, 5 years, 6 years</p><p><strong>Monthly fee</strong></p><p>None</p><p><strong>Early withdrawal penalty fee</strong></p><p>If you withdraw the balance of the entire principal amount from your CD account before maturity, you&#x27;ll be charged an early withdrawal penalty based on the term of your CD and the principal (except in the case of a No-Penalty CD). Here&#x27;s how early withdrawal penalties are calculated:</p><ul><li>Less than 1 year: 90 days interest on the original principal balance at the interest rate in effect for the CD</li><li>1 year to 5 years: 180 days interest on the original principal balance at the interest rate in effect for the CD</li><li>More than 5 years: 270 days interest on the original principal balance at the interest rate in effect for the CD</li></ul><p>Early Withdrawal Penalty = Interest Rate ÷ 365 (or 366) × Penalty Days × Original Principal Balance</p><p><a href="#oDhwR_0aR9"><strong>[ Return to summary ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline21"></a>Popular Direct CDs</h2><div class="internal-link" id="_66Ce-CPxMi"></div><div class="group"><p><a href="https://secure.money.com/pr/t49f5b9b479f" rel="nofollow" target="_blank">Popular Direct</a> has CD terms of three months to 60 months, offering up to 4.40% APY. There&#x27;s a $10,000 minimum deposit requirement to open a CD account.</p><p><strong>CD terms offered</strong></p><p>3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months</p><p><strong>Monthly fee</strong></p><p>None</p><p><strong>Early withdrawal penalty fee</strong></p><ul><li>For terms less than 91 days: The fee is 89 days simple interest</li><li>For terms equal to or greater than 91 days but less than 12 months: The fee is 120 days simple interest</li><li>For terms equal to or greater than 12 months but less than 36 months: The fee is 270 days simple interest</li><li>For terms equal to or greater than 36 months but less than 60 months: The fee is 365 days simple interest</li><li>For terms equal to or greater than 60 months: The fee is 730 days simple interest</li></ul><p><a href="#rTDVbeMDYF"><strong>[ Return to summary ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline22"></a>Quontic Bank CDs</h2><div class="internal-link" id="ekDVDwsDuel"></div><div class="group"><p><a href="https://secure.money.com/pr/b3c7cf2dead1" rel="nofollow" target="_blank">Quontic Bank</a> offers traditional CDs with term lengths ranging from six months to five years, and you can earn up to 4.95% APY. Its CDs have a $500 minimum deposit requirement and no monthly maintenance fees.</p><p>Quontic is an online-only bank and a <a href="https://www.quontic.com/cdfi-fund/" target="_blank">Community Development Financial Institution (CDFI)</a>, which supports economically disadvantaged communities nationwide.</p><p><strong>CD terms offered</strong></p><p>3 months, 6 months, 24 months, 36 months, 60 months</p><p><strong>Monthly fee</strong></p><p>None</p><p><strong>Early withdrawal penalty fee</strong></p><p>Withdrawals before the maturity date are subject to penalties.</p><ul><li>For time deposits up to 12 months, the penalty will be equal to the interest for the full length of the stated term</li><li>For time deposits 12 months to under 24 months, the penalty equals one year interest</li><li>For time deposits 24 months and over, the penalty equals two years interest.</li><li>If the accrued interest exceeds the penalty amount, the excess accrued interest over the penalty amount will be paid to you.</li><li>If the accrued interest is less than the penalty amount, a reduction of the principal balance may result.</li></ul><p><a href="#5QumgixrTF"><strong>[ Return to summary ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline23"></a>Synchrony Bank CDs</h2><div class="internal-link" id="y9TZs4GbJFx"></div><div class="group"><p><a href="https://www.bankrate.com/landing/select/cds-spl-landing-page-synchrony/?sub-id=PLACESUBIDHERE" rel="nofollow" target="_blank">Synchrony Bank</a> offers traditional CDs, a Bump-Up CD (get a higher rate), a No-Penalty CD (withdraw penalty-free) and an IRA CD (save for retirement). CD term lengths range from three months to 60 months, and you can earn up to 4.20% APY.</p><p>Synchrony is an online-only bank so there are no physical branch locations. However, all deposit accounts are <a href="https://www.cnbc.com/select/fdic-insurance/">FDIC-insured</a> and its customer service line is available seven days a week by phone or online chat, as well as 24/7 through its app. In addition to CDs, Synchrony Bank offers high-yield savings and <a href="https://www.cnbc.com/select/synchrony-bank-money-market-account-review/">money market</a> accounts, as well as <a href="https://www.cnbc.com/select/best-credit-cards/">credit cards</a>.</p><p><strong>CD terms offered</strong></p><p>3 months, 6 months, 9 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months</p><p><strong>Monthly fee</strong></p><p>None</p><p><strong>Early withdrawal penalty fee</strong></p><p>There may be an early withdrawal penalty if you withdraw funds from the principal prior to the CD maturity date (the last day of the CD term). The penalty is applied to the amount of principal withdrawn (there&#x27;s no penalty on interest). For the No-Penalty CD, early withdrawals are not permitted within the first 6 days after account funding. Following that, only withdrawal of the entire balance is allowed.</p><p><a href="#U6RfVnH-80"><strong>[ Return to summary ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline24"></a>Vio Bank CDs</h2><div class="internal-link" id="yBQCMMWmkNS"></div><div class="group"><p>With<a href="https://secure.money.com/pr/ica4d4678259" rel="nofollow" target="_blank"> Vio Bank</a>, you can access CD terms of six months to 120 months and earn up to 4.30% APY. There&#x27;s a $500 minimum to open an account, and interest is compounded daily.</p><p><strong>CD terms offered</strong></p><p>6 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months, 84 months, 120 months</p><p><strong>Monthly fee</strong></p><p>None</p><p><strong>Early withdrawal penalty fee</strong></p><ul><li>For CD term 7 to 31 days, penalty amount is all of the interest earned on the amount being withdrawn</li><li>For CD term 32 days to 12 months, penalty amount is 1% of the amount withdrawn, plus a $25 fee</li><li>For CD term greater than 12 months, penalty amount is 3% of the amount withdrawn, plus a $25 fee</li></ul><p><a href="#t9hxJ-gu5T"><strong>[ Return to summary ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline25"></a>Discover Bank CDs</h2><div class="internal-link" id="2s9KG2jbFyw"></div><div class="group"><p>Discover Bank offers a wide range CD terms between three months to 120 months and you can earn up to 4.10% APY.</p><p><strong>CD terms offered</strong></p><p>3 months, 6 months, 9 months, 12 months, 18 months, 24 months, 30 months, 36 months, 48 months, 60 months, 84 months, 120 months</p><p><strong>Monthly fee</strong></p><p>None</p><p><strong>Early withdrawal penalty fee</strong></p><ul><li>For terms shorter than one year, the penalty is three months&#x27; simple interest.</li><li>For terms of one year to less than four years, the penalty is six months&#x27; simple interest.</li><li>For terms of four to five years, the penalty is nine months&#x27; simple interest.</li><li>For terms of five to seven years, the penalty is 18 months&#x27; simple interest.</li><li>For terms of seven to 10 years, the penalty is 24 months&#x27; simple interest.</li></ul><p><a href="#y8ILnxIQWN"><strong>[ Return to summary ]</strong></a></p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline26"></a>What&#x27;s a CD?</h2><div class="group"><p>The word CD stands for &quot;certificate of deposit&quot; — and is just that: a deposit account that earns interest. With a CD, you earn a fixed rate of interest for a fixed time period. CDs come with different terms, such as six months, one year or five years, and you can&#x27;t touch your funds in your CD for the length of that specified term length unless you&#x27;ll pay an early withdrawal penalty fee plus possibly lose out on accrued interest.</p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline27"></a>How CDs work</h2><div class="group"><p>When you put your money in a CD, you earn a fixed interest rate for a specific amount of time on the money you deposit when you open an account. Term lengths typically range from three months to five years.</p><p>While a CD is similar to a savings account, the traditional CD model differs in a couple of important ways:</p><ol><li>You can only deposit money into the CD once at the beginning of the term. You can&#x27;t make additional contributions over the CD&#x27;s term. Sometimes, there&#x27;s a minimum deposit requirement (usually $500 and up).</li><li>You can&#x27;t access your money before your term ends or you&#x27;ll get hit with an early withdrawal penalty. The penalty fees can vary depending on your bank and your CD&#x27;s term length, but it&#x27;s usually the interest earned or the interest you would have earned, over a certain number of days or months. Generally, the longer the CD term length, the costlier the withdrawal penalty.</li></ol><p>Once the <a href="https://www.cnbc.com/select/what-to-do-when-cd-matures/">CD matures</a> (when the term is over), you can get your money back, in addition to the interest earned over time, or move the money into a new CD. CD terms usually auto-renew at the rate offered at maturity if you don&#x27;t do anything.</p><p>One of the reasons you might want to consider a CD over a <a href="https://www.cnbc.com/select/high-yield-savings-account/">high-yield savings account</a> is because savings accounts have <a href="https://www.cnbc.com/select/why-high-yield-savings-account-interest-rates-fluctuate/">variable APYs</a>, and with a CD you lock in the rate the day you open the account. This can be good if you open an account when interest rates are high. It&#x27;s not so great if you open an account after the Federal Reserve slashes interest rates.</p><p>CDs typically don&#x27;t come with monthly fees and are federally insured so your money is protected, which makes them one of the safest savings vehicles.</p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline28"></a>How to choose a CD</h2><div class="group"><p>When <a href="https://www.cnbc.com/select/how-to-choose-certificate-of-deposit/">choosing a CD</a>, first focus on how long you want to keep your money locked up. Pick a CD based on that length of time and the rate will follow. For example, if you want to save up for a <a href="https://www.cnbc.com/select/what-is-a-down-payment-on-a-home-and-how-much-is-required/">down payment</a> on a home in a few years, consider a longer-term CD like a three- or five-year option and then look at what banks offer rate-wise for those specific CD terms. Shorter CD terms, such as three to six-month CDs, are a good choice for beginners who want to save (and grow) their money for a short-term goal, such as a vacation.</p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline29"></a>How to compare CDs</h2><div class="group"><p>When comparing CDs, make sure you&#x27;re comparing the same term, like a one-year CD, to another one-year CD at a different bank. With CDs, the interest rate is important, as well as considering what the minimum deposit is and any early withdrawal penalties and fees.</p></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline30"></a>Are CD rates going up?</h2><div class="group"><p>CD rates went up as the Federal Reserve raised its benchmark rate to tamper with inflation. We saw this reflected in high-yield savings accounts&#x27; APYs, too. High-yield savings accounts&#x27; rates have dropped a bit since and are currently between 4% to<a href="https://www.cnbc.com/select/5-percent-interest-savings-accounts/"> </a>around<a href="https://www.cnbc.com/select/5-percent-interest-savings-accounts/"> 5% APY</a>. As the Fed cuts rates, CD rates go down as well. We&#x27;ve seen this play out a bit already.</p></div><div class="group InfoPanel-styles-select-container--AF446" id="SelectRegularArticle-InfoPanel-1" data-test="InfoPanel" data-analytics="SelectRegularArticle-InfoPanel"><div class="InfoPanel-styles-select-header--fSlKK">Pros and cons of CDs</div><div class="InfoPanel-styles-select-content--P6o4_"><p>Some of the pros and cons of CDs are quite the same, and whether you see something as good or bad depends on other factors. We list what we think below.</p><p><strong>Pros of CDs</strong></p><ul><li>Fixed interest rates (a good thing when rates are high)</li><li>Can&#x27;t touch CD funds until the term is up (a good thing so you&#x27;re not tempted to spend)</li><li>Different <a href="https://www.cnbc.com/select/types-of-certificates-of-deposits-cds/">CD types</a> allow you to have options, such as <a href="https://www.cnbc.com/select/what-are-bump-up-cds/">bump-up CDs</a> (for raising your rate), no-penalty CDs (for easy withdrawals), add-on CDs (for making additional contributions), jumbo CDs (for large deposits) and IRA CDs (for retirement)</li></ul><p><strong>Cons of CDs</strong></p><ul><li>Fixed interest rates (a bad thing when rates are low or if rates go up while you&#x27;re in the middle of a CD term)</li><li>Can&#x27;t touch CD funds until the term is up (a bad thing if you need that money)</li><li>Early withdrawal penalty fees</li><li>Can generally only deposit money into a CD once at the beginning of the term and can&#x27;t make additional contributions</li><li>At times there&#x27;s a minimum deposit requirement, usually $500 and up</li></ul></div></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline31"></a>Compare savings account offers</h2><div style="height:400px" class="lazyload-placeholder"></div><div class="group FaqCard-styles-select-faqCard--GJ5mw" id="SelectRegularArticle-FaqCard-2" data-test="FaqCard" data-analytics="SelectRegularArticle-FaqCard"><div class="FaqCard-styles-select-header--GbE3b"><h2>FAQs</h2><span></span></div><div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>What&#x27;s a CD rate?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>A CD rate is expressed as APY or annual percentage yield. A CD's APY is the amount of interest that an account earns in a year. Unlike the rates you find with traditional and high-yield savings accounts, CD rates are fixed, meaning they stay the same for the life of the CD term.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>What&#x27;s considered a good CD rate?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>What's considered a good CD rate depends on the length of the CD term. Currently, the highest rates seem to be for six-month, nine- or 10-month and one-year CDs, hovering at 5% APY or just below.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>Are there fees associated with CD rates?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>There typically aren't any fees, such as monthly maintenance fees, associated with CD rates. Some CDs, however, require a minimum deposit to open an account. Most CDs will also charge a penalty fee if you make an early withdrawal before your CD term is up.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>Which banks have the best CDs?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>The banks that have the best CDs are those that made this list. Here's a recap of the banks with the best CDs:</p><ul><li><a href="https://secure.money.com/pr/gd38697d4d9a">Alliant Credit Union</a></li><li><a href="https://secure.money.com/pr/r48bf0e3db6d">Ally Bank</a></li><li><a href="https://secure.money.com/pr/d777ac376b4c">Barclays</a></li><li><a href="https://secure.money.com/pr/o73e3d0da37c">BMO Alto</a></li><li><a href="https://secure.money.com/pr/d9eced9e9461">Bread Savings</a></li><li><a href="https://secure.money.com/pr/l6f7cd210acb">LendingClub</a></li><li><a href="https://secure.money.com/pr/cf502fa93957">Marcus by Goldman Sachs</a></li><li><a href="https://secure.money.com/pr/t49f5b9b479f">Popular Direct</a></li><li><a href="https://secure.money.com/pr/b3c7cf2dead1">Quontic Bank</a></li><li><a href="https://www.bankrate.com/landing/select/cds-spl-landing-page-synchrony/?sub-id=PLACESUBIDHERE">Synchrony Bank</a></li><li><a href="https://secure.money.com/pr/ica4d4678259">Vio Bank</a></li></ul></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>Is a 10-year CD worth it?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>Whether or not a 10-year CD is worth it depends on your <a href="https://www.cnbc.com/select/how-to-figure-out-your-risk-tolerance-investing/">risk tolerance</a>. A 10-year CD may be worth it for someone who wants a guaranteed return with zero risk and is willing to leave their funds untouched for 10 years. But it's worth considering where else your money could be better placed.</p><p>The market (historically) averages a much higher 10-year return than you would find with any 10-year CD, but of course, you take on much more risk.</p><p>Consider also the rate of inflation; over 10 years, inflation could outpace the fixed return you'd be earning with a 10-year CD. It may make more sense to put your money in a shorter-term CD, like a five-year CD, that likely offers a higher guaranteed APY than a 10-year CD and then reevaluate again in five years.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>Can you lose money on a CD?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>Because most banks offering CDs are FDIC-insured, you won't lose money up to the legal limit of $250,000 per account holder. You can, however, lose interest or have to pay a penalty fee if you withdraw your CD funds before your term is up.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>Are CDs safe?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>CDs are one of the safest savings vehicles as your money is federally insured.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>Are CDs a good investment?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>CDs are generally a good investment. Your money grows without the risk of your rate dropping (which can happen with a high-yield savings account), and you're guaranteed a return without worrying about <a href="https://www.cnbc.com/select/how-to-think-about-investments-during-market-volatility/">stock market volatility</a>.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>How much does a $10,000 CD make in a year?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>How much a $10,000 CD makes in one year depends on that one-year CD's APY. For example, a one-year CD with a 5.00% APY would equate to $500 in interest earnings after a year.</p></div></div></div><div class="FaqCard-styles-select-item--pMpjn"><div id="questionWrap" class="FaqCard-styles-select-questionArrowWrap--U47Tm" tabindex="0" role="button" aria-expanded="false"><h3>Do you have to pay taxes on interest on CDs?</h3><span class="FaqCard-styles-select-downArrow--WcPbV"></span></div><div class="FaqCard-styles-select-answer--GueIp" data-testid="faqItemAnswer"><div><p>Interest accrued on a CD is taxed as ordinary income. You must report the interest on your tax return for any account earning over $10 in one year.</p></div></div></div></div></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline32"></a>Why trust CNBC Select?</h2><div class="group"><p>At <a href="https://www.cnbc.com/select/">CNBC Select</a>, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every CD review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of banking and savings<strong> </strong>products<strong>. </strong>While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See <a href="https://www.cnbc.com/select/about-us/">our methodology</a> for more information on how we choose the best CDs.</p></div><div class="group ReadMore-container-select" id="SelectRegularArticle-RelatedLinks-3" data-test="RelatedLinks" data-analytics="SelectRegularArticle-RelatedLinks"><div class="ReadMore-title-select"><h2>Read more</h2></div><div class="links"><div class="ReadMore-card-select"><div class="ReadMore-linkContainer"><div class="ReadMore-textContainer"><a href="https://www.cnbc.com/select/best-3-month-cds/" class="ReadMore-link-select" aria-label="undefined">The best 3-month CD rates</a></div></div></div><div class="ReadMore-card-select"><div class="ReadMore-linkContainer"><div class="ReadMore-textContainer"><a href="https://www.cnbc.com/select/best-6-month-cds/" class="ReadMore-link-select" aria-label="undefined">The best 6-month CD rates</a></div></div></div><div class="ReadMore-card-select"><div class="ReadMore-linkContainer"><div class="ReadMore-textContainer"><a href="https://www.cnbc.com/select/best-1-year-cds/" class="ReadMore-link-select" aria-label="undefined">The best 1-year CD rates</a></div></div></div><div class="ReadMore-card-select"><div class="ReadMore-linkContainer"><div class="ReadMore-textContainer"><a href="https://www.cnbc.com/select/best-3-year-cd-rates/" class="ReadMore-link-select" aria-label="undefined">The best 3-year CD rates</a></div></div></div><div class="ReadMore-card-select"><div class="ReadMore-linkContainer"><div class="ReadMore-textContainer"><a href="https://www.cnbc.com/select/best-5-year-cds/" class="ReadMore-link-select" aria-label="undefined">The best 5-year CD rates</a></div></div></div></div></div><h2 class="ArticleBody-styles-select-subtitle--Ge5RH"><a id="headline33"></a>Our methodology</h2><div class="internal-link" id="8Q3YsB67nkz"></div><div class="group"><p>To determine which certificates of deposit (CDs) offer the best return on your money, <a href="https://www.cnbc.com/select/">CNBC Select</a> analyzed dozens of CD accounts offered by online and brick-and-mortar banks, including large credit unions. We found that the annual percentage yield (APY) offered by online banks and credit unions far outpaced those offered by most national brick-and-mortar banks. While many credit unions have good CD options, only those that make membership widely available were considered.</p><p>When ranking the top CDs, we looked at APYs, term lengths, minimum deposit requirements, penalties for early withdrawals and ease of use. Ultimately, we favored accounts with above-average rates. All of the CDs included on this list are FDIC- or NCUA-insured up to $250,000 per person. If you are opening a joint account CD with a spouse, the insurance limit is doubled.</p><p>The rates and fee structures banks advertise for their CD accounts are not guaranteed forever. They are subject to change without notice and they often fluctuate in accordance with the Fed rate. If you open a CD account, however, you&#x27;re often locked into that APY offered at account opening for the entire term length. Your earnings depend on the CD term length, the amount you deposit, the APY offered when you opened the account and any associated fees. Generally, a larger deposit and a higher interest rate will earn you the most money. Any early withdrawals may result in penalty fees that lower your principal balance/earnings.</p><p>To open a CD account for the first time at a bank, most banks and institutions require a deposit of new money, meaning you can&#x27;t transfer money you already had in an account at that bank.</p><p><em><strong>Catch up on CNBC Select&#x27;s in-depth coverage of </strong></em><a href="https://www.cnbc.com/select/credit-cards/"><em><strong>credit cards</strong></em></a><em><strong>, </strong></em><a href="https://www.cnbc.com/select/banking/"><em><strong>banking</strong></em></a><em><strong> and </strong></em><a href="https://www.cnbc.com/select/money/"><em><strong>money</strong></em></a><em><strong>, and follow us on </strong></em><a href="https://www.tiktok.com/@cnbcselect" target="_blank"><em><strong>TikTok</strong></em></a><em><strong>, </strong></em><a href="https://www.facebook.com/CNBCSelect/" target="_blank"><em><strong>Facebook</strong></em></a><em><strong>, </strong></em><a href="https://www.instagram.com/cnbcselect/" target="_blank"><em><strong>Instagram</strong></em></a><em><strong> and </strong></em><a href="https://twitter.com/CNBCSelect" target="_blank"><em><strong>Twitter</strong></em></a><em><strong> to stay up to date.</strong></em></p></div><div class="group InfoPanel-styles-select-container--AF446" id="SelectRegularArticle-InfoPanel-4" data-test="InfoPanel" data-analytics="SelectRegularArticle-InfoPanel"><div class="InfoPanel-styles-select-header--fSlKK"><strong>Subscribe to the CNBC Select Newsletter!</strong></div><div class="InfoPanel-styles-select-content--P6o4_"><p>Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. <a href="https://www.cnbc.com/money-matters-newsletter/">Sign up here</a>.</p></div></div><div class="group"><div class="ArticleBody-styles-select-blockquote--olsIR"><p><em><strong>Want to earn more money at work?</strong> Take CNBC&#x27;s new online course </em><a href="https://cnb.cx/3BERQIS" target="_blank"><em><strong>How to Negotiate a Higher Salary</strong></em></a><em>. Use code EARLYBIRD for 50% off through Nov. 26, 2024.</em></p></div><p><em>Ally Bank is a Member FDIC.</em></p></div><div id="ArticleBody-MobileAdhesion" class="MobileAdhesion-container" data-module="mps-slot"></div><div class="SelectDisclosure-styles-select-container--Gz1Jc ArticleBody-styles-select-disclosure--DJ0WB" id="SelectRegularArticle-SelectDisclosure-6-editorial" data-test="SelectDisclosure"><strong>Editorial Note:</strong> Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.</div></div><div style="height:100%" class="lazyload-placeholder"></div></div><div class="SidebarArticle-sidebar PageBuilder-styles-select-sidebar--dF4HX" data-test="SidebarArticle"><div class="SidebarArticle-sticky" style="top:100px"><div><div class="SelectPopularOffers-styles-select-containerInline--yXBvC"><div 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34.0809 26.3215L33.3929 27.0187C33.2436 26.8674 32.8736 26.4464 32.1531 26.4399C31.3028 26.4399 30.6083 27.091 30.6083 27.8869C30.6083 28.7354 31.3547 29.334 32.1466 29.334C32.8606 29.3405 33.1787 29.084 33.6201 28.7025L34.2497 29.4458C33.7499 29.8799 33.2112 30.3206 32.1466 30.3206Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M0.00190711 21.2764C0.519991 31.7161 8.94294 40 19.1417 40H120.859C131.058 40 139.481 31.7161 139.999 21.2764L138.161 21.1803C137.692 30.6181 130.075 38.1102 120.859 38.1102H19.1417C9.9262 38.1102 2.30837 30.6181 1.84 21.1803L0.00190711 21.2764Z\" fill=\"#74C5FF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"js-sponsor-wrap\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"local-wrap click-drop-down\"\u003E\u003Cdiv class=\"shortcuts h-h\"\u003E\u003Cul class=\"shortcuts-list h-lh\"\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-cards\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Credit Cards dropdown with sub links\" data-track-menu-name=\"Credit Cards\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003ECredit Cards\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EAll Credit Cards\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-card-marketplace\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Find the Credit Card for You\" class=\"shortcuts-dropdown-item-link\"\u003EFind the Credit Card for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-rewards-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Rewards Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Rewards Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Travel Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Travel Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-zero-interest-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best 0% APR Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest 0% APR Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-balance-transfer-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Balance Transfer Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Balance Transfer Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-cash-back-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Cash Back Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Cash Back Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-card-sign-up-bonuses\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Card Sign-Up Bonuses\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Card Sign-Up Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards to Build Credit\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards to Build Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-online-shopping\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards for Online Shopping\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards for Online Shopping\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Floans\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Loans dropdown with sub links\" data-track-menu-name=\"Loans\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003ELoans\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Floans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Loans\" class=\"shortcuts-dropdown-item-link\"\u003EAll Loans\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-marketplace\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Find the Best Personal Loan for You\" class=\"shortcuts-dropdown-item-link\"\u003EFind the Best Personal Loan for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Personal Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Debt Consolidation Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Debt Consolidation Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-loans-for-refinancing-credit-card-debt\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Loans to Refinance Credit Card Debt\" class=\"shortcuts-dropdown-item-link\"\u003EBest Loans to Refinance Credit Card Debt\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F6-personal-loans-thatll-get-you-funded-in-as-little-as-1-business-day\u002F \" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Loans with Fast Funding\" class=\"shortcuts-dropdown-item-link\"\u003EBest Loans with Fast Funding\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-personal-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Personal Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-borrow-50000\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Large Personal Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Large Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-online-applications\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Personal Loans to Apply Online\" class=\"shortcuts-dropdown-item-link\"\u003EBest Personal Loans to Apply Online\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-student-loan-refinance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Student Loan Refinance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Student Loan Refinance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Car Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Car Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbanking\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Banking dropdown with sub links\" data-track-menu-name=\"Banking\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003EBanking\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbanking\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Banking\" class=\"shortcuts-dropdown-item-link\"\u003EAll Banking\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsavings-marketplace\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Find the Savings Account for You\" class=\"shortcuts-dropdown-item-link\"\u003EFind the Savings Account for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-high-yield-savings-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best High Yield Savings Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest High Yield Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-and-mortar-savings-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Big Bank Savings Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Big Bank Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-mortar-checking-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Big Bank Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Big Bank Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-no-fee-checking-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best No Fee Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest No Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fchecking-accounts-with-no-overdraft-fees\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"No Overdraft Fee Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003ENo Overdraft Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-checking-account-bonuses\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Checking Account Bonuses\" class=\"shortcuts-dropdown-item-link\"\u003EBest Checking Account Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-market-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Money Market Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Money Market Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-certificates-of-deposits\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best CDs\" class=\"shortcuts-dropdown-item-link\"\u003EBest CDs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-unions\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Unions\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Unions\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgages\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Mortgages dropdown with sub links\" data-track-menu-name=\"Mortgages\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003EMortgages\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgages\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Mortgages\" class=\"shortcuts-dropdown-item-link\"\u003EAll Mortgages\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-lenders-for-a-small-down-payment\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages for Small Down Payment\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages for Small Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-va-loans-usda-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages for No Down Payment\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages for No Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-average-credit-score\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages for Average Credit Score\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages for Average Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-that-dont-charge-origination-fees\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages No Origination Fee\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages No Origination Fee\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fadjustable-rate-mortgage-pros-and-cons\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Adjustable Rate Mortgages\" class=\"shortcuts-dropdown-item-link\"\u003EAdjustable Rate Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-affordability\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Affording a Mortgage\" class=\"shortcuts-dropdown-item-link\"\u003EAffording a Mortgage\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finsurance\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Insurance dropdown with sub links\" data-track-menu-name=\"Insurance\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003EInsurance\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finsurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EAll Insurance\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Life Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Life Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-seniors\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Life Insurance for Seniors\" class=\"shortcuts-dropdown-item-link\"\u003EBest Life Insurance for Seniors\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-homeowners-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Homeowners Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Homeowners Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-renters-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Renters Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Renters Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Car Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Car Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-pet-insurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Pet Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Pet Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-boat-insurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Boat Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Boat Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-motorcycle-insurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Motorcycle Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Motorcycle Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Travel Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Travel Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fevent-ticket-insurance-worth-it\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Event Ticket Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EEvent Ticket Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsmall-business\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Small Business dropdown with sub links\" data-track-menu-name=\"Small Business\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003ESmall Business\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsmall-business\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Small Business\" class=\"shortcuts-dropdown-item-link\"\u003EAll Small Business\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-savings-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Business Savings Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Business Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-business-checking-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Business Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Business Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards for Small Business\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Business Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Business Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Tax Software for Small Business\" class=\"shortcuts-dropdown-item-link\"\u003EBest Tax Software for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"\" role=\"button\" aria-expanded=\"false\" aria-label=\"+More dropdown with sub links\" data-track-menu-name=\"+More\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003E+More\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"personal-finance\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"personal-finance\"\u003EPersonal Finance\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"personal-finance-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-finance\u002F\" tabindex=\"-1\" data-track-sub-link=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Personal Finance\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-budgeting-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Budgeting Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-expense-tracker-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Expense Tracker Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-transfer-payment-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Money Transfer Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-resale-apps-and-websites\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Resale Apps and Sites\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-buy-now-pay-later-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBuy Now Pay Later (BNPL) Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-relief-companies\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Debt Relief\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"credit-monitoring\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"credit-monitoring\"\u003ECredit Monitoring\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"credit-monitoring-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-monitoring\u002F\" tabindex=\"-1\" data-track-sub-link=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Credit Monitoring\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-monitoring-services\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Monitoring Services\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-identity-theft-protection-services\u002F\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Identity Theft Protection\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-repair-companies\u002F\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Repair Companies\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"taxes\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"taxes\"\u003ETaxes\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"taxes-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftaxes\u002F\" tabindex=\"-1\" data-track-sub-link=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Taxes\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-file-your-taxes-for-free\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EFiling For Free\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Tax Software\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Tax Software for Small Businesses\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-check-the-status-of-your-2020-tax-refund\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Refunds\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ffederal-income-tax-brackets-tax-rates\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Brackets\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-reduce-taxable-income\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Tips\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fstates-with-no-income-tax\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETaxes By State\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftax-payment-plan-options\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Payment Plans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"help-for-low-credit-scores\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"help-for-low-credit-scores\"\u003EHelp for Low Credit Scores\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"help-for-low-credit-scores-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Flow-credit-scores\u002F\" tabindex=\"-1\" data-track-sub-link=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Help for Low Credit Scores\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-bad-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Cards for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans-for-bad-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Personal Loans for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans-for-bad-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Debt Consolidation Loans for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-to-consider-if-you-dont-have-credit-score\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EPersonal Loans if You Don&#39;t Have Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Cards for Building Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loans-to-apply-credit-score-580-or-lower\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EPersonal Loans for 580 Credit Score Lower\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-credit-score-below-670\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EPersonal Loans for 670 Credit Score or Lower\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-bad-credit-score\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Mortgages for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-hardship-loans\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Hardship Loans\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"investing\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"investing\"\u003EInvesting\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"investing-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finvesting\u002F\" tabindex=\"-1\" data-track-sub-link=\"investing-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Investing\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-ira-accounts\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest IRA Accounts\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-roth-ira-accounts\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Roth IRA Accounts\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-investing-apps\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Investing Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brokerage-free-stock-trading\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Free Stock Trading Platforms\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-robo-advisors\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Robo-Advisors\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-index-funds\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EIndex Funds\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-mutual-funds\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EMutual Funds\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-etfs-should-you-invest\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EETFs\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-bonds\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBonds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cdiv class=\"local-insert js-local-nav-insert\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"login js-login-wrapper\" style=\"display: none;\"\u003E\u003Cbutton class=\"login__button login__button--anon js-sign-in\" aria-label=\"user profile\" style=\"opacity: 0.3;\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.4818 23C13.9442 22.9448 15.015 22.6891 16.6425 22.0661C17.1511 21.8714 17.7038 21.5442 18.1519 21.2438C18.2621 21.1698 18.3634 21.0994 18.4531 21.0354C18.4284 20.8421 18.3915 20.6014 18.3366 20.3265C18.1859 19.5717 17.9048 18.5868 17.3887 17.6282C17.3719 17.597 17.2859 17.4804 17.0073 17.3271C16.7397 17.1798 16.3661 17.0384 15.8936 16.9174C14.9501 16.6757 13.7393 16.5468 12.5 16.5468C11.2607 16.5468 10.0499 16.6756 9.10632 16.9173C8.63381 17.0384 8.26021 17.1798 7.99265 17.327C7.71413 17.4803 7.62808 17.597 7.61125 17.6282C7.0951 18.587 6.81402 19.5719 6.6633 20.3267C6.61106 20.5883 6.57511 20.819 6.55051 21.0072C6.61482 21.0495 6.685 21.0951 6.76052 21.1434C7.18956 21.4177 7.78323 21.7736 8.44718 22.1056C8.85247 22.3082 9.55081 22.549 10.3356 22.7327C10.8282 22.8481 11.3177 22.9322 11.7535 22.9739C11.9941 22.9908 12.237 22.9996 12.4818 23ZM4.77176 19.6081C4.96194 18.7705 5.28829 17.724 5.85023 16.6802C6.12186 16.1756 6.57668 15.8234 7.02833 15.5749C7.49093 15.3203 8.0368 15.1268 8.60997 14.9799C8.95702 14.891 9.32578 14.8163 9.70891 14.7553C8.38545 13.8592 7.51559 12.3437 7.51559 10.625C7.51559 7.87221 9.74718 5.64062 12.5 5.64062C15.2528 5.64062 17.4843 7.87221 17.4843 10.625C17.4843 12.3437 16.6145 13.8592 15.291 14.7553C15.6741 14.8163 16.0429 14.891 16.39 14.98C16.9631 15.1268 17.509 15.3203 17.9716 15.5749C18.4232 15.8234 18.878 16.1756 19.1497 16.6801C19.7117 17.7238 20.038 18.7704 20.2282 19.6081C21.9491 17.7381 23 15.2418 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 15.2417 3.05085 17.7381 4.77176 19.6081ZM11.5955 24.9678C5.11415 24.5043 0 19.0994 0 12.5C0 5.59644 5.59644 0 12.5 0C19.4036 0 25 5.59644 25 12.5C25 19.3977 19.4131 24.9904 12.5177 25C12.2261 25.0097 11.9147 24.9971 11.5955 24.9678ZM9.51559 10.625C9.51559 8.97678 10.8517 7.64062 12.5 7.64062C14.1482 7.64062 15.4843 8.97678 15.4843 10.625C15.4843 12.2732 14.1482 13.6094 12.5 13.6094C10.8517 13.6094 9.51559 12.2732 9.51559 10.625Z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003Cbutton class=\"login__button login__button--auth h-dn js-sign-out\" aria-label=\"user profile\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Ccircle cx=\"12.5\" cy=\"12.5\" r=\"12.5\" fill=\"#3061FF\"\u002F\u003E\u003Cpath class=\"login__icon--person\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 14.6719C14.7005 14.6719 16.4844 12.888 16.4844 10.6875C16.4844 8.48699 14.7005 6.70312 12.5 6.70312C10.2995 6.70312 8.51562 8.48699 8.51562 10.6875C8.51562 12.888 10.2995 14.6719 12.5 14.6719ZM19.5 22C19.5 22 19.4231 19.3596 18.2692 17.2166C17.1154 15.0737 7.88462 15.0734 6.73077 17.2167C5.57692 19.36 5.5 22 5.5 22L11.9849 23.8528C12.3216 23.949 12.6784 23.949 13.0151 23.8528L19.5 22Z\" fill=\"white\"\u002F\u003E\u003Cpath class=\"login__icon--border\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 23C18.299 23 23 18.299 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 18.299 6.70101 23 12.5 23ZM12.5 25C19.4036 25 25 19.4036 25 12.5C25 5.59644 19.4036 0 12.5 0C5.59644 0 0 5.59644 0 12.5C0 19.4036 5.59644 25 12.5 25Z\" fill=\"#82AEFF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003C\u002Fdiv\u003E\u003Cbutton class=\"search-button-trigger\"\u003E\u003Clabel class=\"search-local\" for=\"queryly_toggle\" data-track-event=\"mbt_navbar_searchIcon\" data-track-key=\"search\" data-track-value=\"top-nav-icon\"\u003E\u003Cspan class=\"queryly_search_button\" style=\"line-height: 0;\"\u003E\u003Csvg xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\" viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-labelledby=\"search_title\"\u003E\u003Ctitle class=\"search_title\"\u003ESearch\u003C\u002Ftitle\u003E\u003Cpath fill-rule=\"evenodd\" d=\"M13.773 11.649L20 17.876 17.876 20l-6.227-6.227a7.508 7.508 0 112.124-2.124zm-6.265.364a4.505 4.505 0 100-9.01 4.505 4.505 0 000 9.01z\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fspan\u003E\u003C\u002Flabel\u003E\u003C\u002Fbutton\u003E\u003Cdiv class=\"login js-login-wrapper\" style=\"display: none;\"\u003E\u003Cbutton class=\"login__button login__button--anon js-sign-in\" aria-label=\"user profile\" style=\"opacity: 0.3;\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.4818 23C13.9442 22.9448 15.015 22.6891 16.6425 22.0661C17.1511 21.8714 17.7038 21.5442 18.1519 21.2438C18.2621 21.1698 18.3634 21.0994 18.4531 21.0354C18.4284 20.8421 18.3915 20.6014 18.3366 20.3265C18.1859 19.5717 17.9048 18.5868 17.3887 17.6282C17.3719 17.597 17.2859 17.4804 17.0073 17.3271C16.7397 17.1798 16.3661 17.0384 15.8936 16.9174C14.9501 16.6757 13.7393 16.5468 12.5 16.5468C11.2607 16.5468 10.0499 16.6756 9.10632 16.9173C8.63381 17.0384 8.26021 17.1798 7.99265 17.327C7.71413 17.4803 7.62808 17.597 7.61125 17.6282C7.0951 18.587 6.81402 19.5719 6.6633 20.3267C6.61106 20.5883 6.57511 20.819 6.55051 21.0072C6.61482 21.0495 6.685 21.0951 6.76052 21.1434C7.18956 21.4177 7.78323 21.7736 8.44718 22.1056C8.85247 22.3082 9.55081 22.549 10.3356 22.7327C10.8282 22.8481 11.3177 22.9322 11.7535 22.9739C11.9941 22.9908 12.237 22.9996 12.4818 23ZM4.77176 19.6081C4.96194 18.7705 5.28829 17.724 5.85023 16.6802C6.12186 16.1756 6.57668 15.8234 7.02833 15.5749C7.49093 15.3203 8.0368 15.1268 8.60997 14.9799C8.95702 14.891 9.32578 14.8163 9.70891 14.7553C8.38545 13.8592 7.51559 12.3437 7.51559 10.625C7.51559 7.87221 9.74718 5.64062 12.5 5.64062C15.2528 5.64062 17.4843 7.87221 17.4843 10.625C17.4843 12.3437 16.6145 13.8592 15.291 14.7553C15.6741 14.8163 16.0429 14.891 16.39 14.98C16.9631 15.1268 17.509 15.3203 17.9716 15.5749C18.4232 15.8234 18.878 16.1756 19.1497 16.6801C19.7117 17.7238 20.038 18.7704 20.2282 19.6081C21.9491 17.7381 23 15.2418 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 15.2417 3.05085 17.7381 4.77176 19.6081ZM11.5955 24.9678C5.11415 24.5043 0 19.0994 0 12.5C0 5.59644 5.59644 0 12.5 0C19.4036 0 25 5.59644 25 12.5C25 19.3977 19.4131 24.9904 12.5177 25C12.2261 25.0097 11.9147 24.9971 11.5955 24.9678ZM9.51559 10.625C9.51559 8.97678 10.8517 7.64062 12.5 7.64062C14.1482 7.64062 15.4843 8.97678 15.4843 10.625C15.4843 12.2732 14.1482 13.6094 12.5 13.6094C10.8517 13.6094 9.51559 12.2732 9.51559 10.625Z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003Cbutton class=\"login__button login__button--auth h-dn js-sign-out\" aria-label=\"user profile\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Ccircle cx=\"12.5\" cy=\"12.5\" r=\"12.5\" fill=\"#3061FF\"\u002F\u003E\u003Cpath class=\"login__icon--person\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 14.6719C14.7005 14.6719 16.4844 12.888 16.4844 10.6875C16.4844 8.48699 14.7005 6.70312 12.5 6.70312C10.2995 6.70312 8.51562 8.48699 8.51562 10.6875C8.51562 12.888 10.2995 14.6719 12.5 14.6719ZM19.5 22C19.5 22 19.4231 19.3596 18.2692 17.2166C17.1154 15.0737 7.88462 15.0734 6.73077 17.2167C5.57692 19.36 5.5 22 5.5 22L11.9849 23.8528C12.3216 23.949 12.6784 23.949 13.0151 23.8528L19.5 22Z\" fill=\"white\"\u002F\u003E\u003Cpath class=\"login__icon--border\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 23C18.299 23 23 18.299 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 18.299 6.70101 23 12.5 23ZM12.5 25C19.4036 25 25 19.4036 25 12.5C25 5.59644 19.4036 0 12.5 0C5.59644 0 0 5.59644 0 12.5C0 19.4036 5.59644 25 12.5 25Z\" fill=\"#82AEFF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"headline-container\"\u003E\u003Cdiv class=\"headline-wrap h-h\"\u003E\u003Cdiv class=\"headline-title h-h\"\u003E\u003Cp class=\"headline-title-text h-lh js-headline-text\"\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"share-list h-h\"\u003E\u003Cdiv class=\"share-inner\"\u003E\u003Cul class=\"share-ul h-h\"\u003E\u003Cli class=\"share-li share-li-cta\"\u003EShare\u003C\u002Fli\u003E\u003Cli class=\"share-li share-li-icon share-li-facebook\"\u003E\u003Ca href=\"javascript:void(0);\" target=\"_blank\" class=\"js-hfs-share\" data-key=\"facebook\"data-template=\"https:\u002F\u002Fwww.facebook.com\u002Fsharer\u002Fsharer.php?u=URL&cid=article_share_facebook\" data-track-event=\"mbt_navbar_share\" data-track-key=\"platform\" data-track-value=\"facebook\" tabindex=\"-1\"\u003E\u003Csvg viewBox=\"0 0 20 20\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M11.248 20H7.5V10H5V6.554l2.5-.001-.004-2.03C7.496 1.71 8.258 0 11.57 0h2.758v3.447h-1.724c-1.29 0-1.351.482-1.351 1.38l-.006 1.726h3.1l-.365 3.446L11.25 10l-.002 10z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"share-li share-li-icon share-li-twitter\"\u003E\u003Ca href=\"javascript:void(0);\" target=\"_blank\" class=\"js-hfs-share\" data-key=\"twitter\"data-template=\"https:\u002F\u002Ftwitter.com\u002Fintent\u002Ftweet?text=HEADLINE&via=VIA&url=URL&original_referer=URL&cid=article_share_twitter\" data-track-event=\"mbt_navbar_share\" data-track-key=\"platform\" data-track-value=\"twitter\" tabindex=\"-1\"\u003E\u003Csvg width=\"1200\" height=\"1227\" viewBox=\"0 0 1200 1227\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M714.163 519.284L1160.89 0H1055.03L667.137 450.887L357.328 0H0L468.492 681.821L0 1226.37H105.866L515.491 750.218L842.672 1226.37H1200L714.137 519.284H714.163ZM569.165 687.828L521.697 619.934L144.011 79.6944H306.615L611.412 515.685L658.88 583.579L1055.08 1150.3H892.476L569.165 687.854V687.828Z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"share-li share-li-icon share-li-email\"\u003E\u003Ca href=\"javascript:void(0);\" target=\"_blank\" class=\"js-hfs-share\" data-key=\"email\"data-template=\"mailto:?subject=HEADLINE&body=URL\" data-track-event=\"mbt_navbar_share\" data-track-key=\"platform\" data-track-value=\"email\" tabindex=\"-1\"\u003E\u003Csvg viewBox=\"0 0 20 20\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M.1 4h19.8L10 11.02.1 4zM0 5.893l10 7.111 10-7.111V16.8H0V5.893z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003Cbutton class=\"hamburger js-menu-toggle\" aria-haspopup=\"true\" aria-expanded=\"false\" aria-label=\"select_cnbc navigation and search\" type=\"button\"\u003E\u003Cspan\u003E\u003C\u002Fspan\u003E\u003Cspan\u003E\u003C\u002Fspan\u003E\u003Cspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fbutton\u003E\u003Cdiv class=\"login__dropdown js-auth-options\" style=\"display: none;\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C!-- TODO: Remove id attribute once Adobe Activity Map issue resolves (NGAUD-923) --\u003E\u003Cdiv class=\"menu-overlay-wrapper js-menu-toggle\" id=hamburger data-activity-map=hamburger\u003E\u003Cdiv class=\"menu js-menu-selector\"\u003E\u003Cbutton class=\"overlay js-menu-toggle\"\u003E\u003C\u002Fbutton\u003E\u003Csection class=\"inner menu-select\"\u003E\u003Cdiv class=\"menu-header\"\u003E\u003Cdiv\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F\" \u003E\u003Cdiv class=\"menu-logo\"\u003E\u003Csvg width=\"140\" height=\"40\" viewBox=\"0 0 140 40\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M41.2555 28.0946L43.5254 24.945C44.7524 26.1418 46.0407 26.7088 47.4518 26.7088C48.372 26.7088 48.9242 26.3938 48.9242 25.8269C48.9242 25.323 48.4947 25.008 46.5929 24.3781C44.0776 23.5592 41.869 22.2993 41.869 19.3387C41.869 16.1891 44.3843 14.4253 47.5131 14.4253C49.7831 14.4253 51.4395 15.0552 53.1573 16.3781L50.8873 19.7796C49.8444 18.7088 48.5561 18.1418 47.5745 18.1418C47.0223 18.1418 46.4088 18.3938 46.3475 18.9607C46.3475 19.4647 46.8996 19.7796 48.372 20.3466C51.6849 21.5434 53.464 22.4253 53.464 25.4489C53.464 28.3466 51.4395 30.3623 47.3291 30.3623C44.9978 30.3623 42.9119 29.6064 41.2555 28.0946Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M59.9671 23.7482H70.2124C70.2124 23.6558 70.2177 23.5256 70.2236 23.3796C70.2378 23.0279 70.2558 22.585 70.2124 22.3624C70.2124 17.8269 67.1449 14.5513 62.9118 14.5513C58.372 14.5513 55.1818 17.8269 55.1818 22.4884C55.1818 27.2758 58.4947 30.4884 63.0345 30.4884C66.4087 30.4884 68.4946 29.2915 69.783 27.7167L67.0222 24.8191C66.0406 25.9529 64.7523 26.4569 63.5253 26.4569C61.6848 26.4569 60.2738 25.512 59.9671 23.7482ZM65.6724 20.7876H60.0282C60.335 19.2128 61.4393 18.3309 62.973 18.3309C64.3841 18.3309 65.3656 19.2758 65.6724 20.7876Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M72.9729 7.74811H77.7581V30.1103H72.9729V7.74811Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M85.2429 23.7482H95.4883C95.4883 23.6558 95.4935 23.531 95.4994 23.3911C95.5137 23.054 95.5316 22.6295 95.4883 22.3624C95.4883 17.8269 92.4208 14.5513 88.1877 14.5513C83.6478 14.5513 80.4576 17.8269 80.4576 22.4884C80.4576 27.2758 83.7705 30.4884 88.3104 30.4884C91.6846 30.4884 93.7705 29.2915 95.0588 27.7167L92.2981 24.8191C91.3165 25.9529 90.0282 26.4569 88.8012 26.4569C86.9607 26.4569 85.5496 25.512 85.2429 23.7482ZM90.9485 20.7876H85.3043C85.6111 19.2758 86.7154 18.3309 88.2491 18.3309C89.6601 18.3309 90.6417 19.2758 90.9485 20.7876Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M97.39 22.4883C97.39 17.6379 100.58 14.4883 105.365 14.4883C107.697 14.4883 110.151 15.2442 111.807 17.1969L108.678 20.3465C108.003 19.4016 106.838 18.8977 105.734 18.8977C103.648 18.8977 102.175 20.3465 102.175 22.4883C102.175 24.693 103.648 26.0788 105.734 26.0788C107.083 26.0788 108.065 25.5749 108.924 24.63L111.868 27.7796C110.519 29.3544 108.31 30.4253 105.181 30.4253C100.642 30.4253 97.3287 27.2127 97.39 22.4883Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M114.568 25.3229V18.7088H112.85V14.7403H114.568V9.76388L119.415 9.25995V14.7403H123.034V18.7088H119.415V24.3781C119.415 25.3859 119.599 26.1418 120.519 26.1418C120.887 26.1418 121.5 26.0789 121.991 25.8269L123.157 29.4804C122.114 30.0474 121.01 30.4883 118.924 30.4883C116.408 30.4883 114.568 28.7875 114.568 25.3229Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M120.859 0H19.1417C8.55057 0 -0.0636325 8.82422 0.00035418 19.6593L0.000337263 20.2835C0.000337263 31.0942 8.59275 39.937 19.1417 39.937H120.859C131.388 39.937 140 31.1148 140 20.2835V19.6536C140 8.84272 131.408 0 120.859 0ZM1.84088 19.6536C1.78308 9.8645 9.568 1.88977 19.1417 1.88977H120.859C130.391 1.88977 138.16 9.88544 138.16 19.6536V20.2835C138.16 30.0702 130.372 38.0473 120.859 38.0473H19.1417C9.61023 38.0473 1.84088 30.0515 1.84088 20.2835V19.6536Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M27.1249 11.8175C25.728 11.4814 24.4351 12.5825 24.5787 14.0933H25.4855C25.4855 14.0933 25.9079 14.0883 26.0308 14.3767C26.0308 14.3767 24.6909 14.8909 24.7973 15.7262L25.6315 21.8705L28.5506 14.799C28.9962 13.7254 28.4987 12.1419 27.1249 11.8175Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M23.1291 24.1581L17.4402 20.1365C15.9922 19.1106 14.5598 20.1558 14.2562 21.2368C13.809 22.8304 14.8106 24.1581 16.3849 24.1581H23.1291Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M23.8757 14.1912C24.0861 12.6303 22.7676 11.4748 21.3402 11.8176C19.9664 12.142 19.4689 13.7255 19.9144 14.799L22.8336 21.8706L23.8757 14.1912Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M22.6002 23.0301L19.7998 16.2587C19.1439 14.6885 17.4079 14.4937 16.4483 15.4142C15.7734 16.063 15.2487 17.8305 16.7594 18.9007L22.6002 23.0301Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M25.3359 24.1581L31.0248 20.1365C32.4729 19.1106 33.9052 20.1558 34.2088 21.2368C34.656 22.8304 33.6544 24.1581 32.0801 24.1581H25.3359Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M25.8649 23.0301L28.6653 16.2587C29.3212 14.6885 31.0572 14.4937 32.0168 15.4142C32.6917 16.063 33.2164 17.8305 31.7057 18.9007L25.8649 23.0301Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M16.7032 30.3206C15.2881 30.314 14.1912 29.2024 14.1912 27.8803C14.1977 26.5188 15.3401 25.4598 16.7162 25.4598C17.9105 25.4598 18.5531 26.2359 18.6375 26.3215L17.9494 27.0187C17.8002 26.8674 17.4302 26.4464 16.7097 26.4399C15.8594 26.4399 15.1648 27.091 15.1648 27.8869C15.1648 28.7354 15.9113 29.334 16.7032 29.334C17.4172 29.3405 17.7352 29.084 18.1766 28.7025L18.8063 29.4458C18.3065 29.8799 17.7677 30.3206 16.7032 30.3206Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M19.5835 30.2022V25.5848H20.5571L22.7836 28.571V25.5848H23.7507V30.2022H22.7771L20.5507 27.2094V30.2022H19.5835Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M28.5245 27.7225C28.7711 27.979 28.9204 28.3342 28.9204 28.7486C28.9204 30.0049 27.804 30.2022 27.4535 30.2022H24.7208V25.5848H27.4145C28.0636 25.5848 28.7646 26.0518 28.7646 26.9266C28.7646 27.2686 28.6673 27.5251 28.5245 27.7225ZM27.4145 26.5648H25.6879V27.2818H27.4145C27.4145 27.2818 27.791 27.2752 27.791 26.9266C27.791 26.5846 27.4794 26.5648 27.4145 26.5648ZM27.4535 29.2156C27.6157 29.2156 27.9533 29.1761 27.9533 28.7486C27.9533 28.3144 27.6027 28.2684 27.4535 28.2684H25.6879V29.2156H27.4535Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M32.1466 30.3206C30.7316 30.314 29.6346 29.2024 29.6346 27.8803C29.6411 26.5188 30.7835 25.4598 32.1596 25.4598C33.354 25.4598 33.9966 26.2359 34.0809 26.3215L33.3929 27.0187C33.2436 26.8674 32.8736 26.4464 32.1531 26.4399C31.3028 26.4399 30.6083 27.091 30.6083 27.8869C30.6083 28.7354 31.3547 29.334 32.1466 29.334C32.8606 29.3405 33.1787 29.084 33.6201 28.7025L34.2497 29.4458C33.7499 29.8799 33.2112 30.3206 32.1466 30.3206Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M0.00190711 21.2764C0.519991 31.7161 8.94294 40 19.1417 40H120.859C131.058 40 139.481 31.7161 139.999 21.2764L138.161 21.1803C137.692 30.6181 130.075 38.1102 120.859 38.1102H19.1417C9.9262 38.1102 2.30837 30.6181 1.84 21.1803L0.00190711 21.2764Z\" fill=\"#74C5FF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fdiv\u003E\u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\u003Cbutton class=\"close-button js-menu-toggle\" on=\"tap:AmpSidebar.toggle\"\u003E\u003Csvg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0.7072 19.0918L19.092 0.70707L0.7072 19.0918Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M0.7072 19.0918L19.092 0.70707\" stroke=\"#0477C9\" stroke-width=\"2\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0.7072 0.707107L19.092 19.0919L0.7072 0.707107Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M0.7072 0.707107L19.092 19.0919\" stroke=\"#0477C9\" stroke-width=\"2\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003E\u003Cul class=\"menu-select__sections-list\" data-menu-id=\"0\"\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-0\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ECredit Cards\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-0\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-0\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-cards\u002F\"\u003EAll Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-card-marketplace\u002F\"\u003EFind the Credit Card for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards\u002F\"\u003EBest Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-rewards-credit-cards\u002F\"\u003EBest Rewards Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-credit-cards\u002F\"\u003EBest Travel Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-zero-interest-credit-cards\u002F\"\u003EBest 0% APR Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-balance-transfer-credit-cards\u002F\"\u003EBest Balance Transfer Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-cash-back-credit-cards\u002F\"\u003EBest Cash Back Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-card-sign-up-bonuses\u002F\"\u003EBest Credit Card Sign-Up Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\"\u003EBest Credit Cards to Build Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-online-shopping\u002F\" target=\"_self\"\u003EBest Credit Cards for Online Shopping\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-1\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ELoans\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-1\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-1\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Floans\u002F\"\u003EAll Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-marketplace\u002F\"\u003EFind the Best Personal Loan for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans\u002F\"\u003EBest Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans\u002F\"\u003EBest Debt Consolidation Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-loans-for-refinancing-credit-card-debt\u002F\"\u003EBest Loans to Refinance Credit Card Debt\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F6-personal-loans-thatll-get-you-funded-in-as-little-as-1-business-day\u002F \"\u003EBest Loans with Fast Funding\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-personal-loans\u002F\"\u003EBest Small Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-borrow-50000\u002F\"\u003EBest Large Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-online-applications\u002F\"\u003EBest Personal Loans to Apply Online\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-student-loan-refinance-companies\u002F\"\u003EBest Student Loan Refinance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-loans\u002F\" target=\"_self\"\u003EBest Car Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-2\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EBanking\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-2\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-2\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbanking\u002F\"\u003EAll Banking\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsavings-marketplace\u002F\"\u003EFind the Savings Account for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-high-yield-savings-accounts\u002F\"\u003EBest High Yield Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-and-mortar-savings-accounts\u002F\"\u003EBest Big Bank Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-mortar-checking-accounts\u002F\"\u003EBest Big Bank Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-no-fee-checking-accounts\u002F\"\u003EBest No Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fchecking-accounts-with-no-overdraft-fees\u002F\"\u003ENo Overdraft Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-checking-account-bonuses\u002F\"\u003EBest Checking Account Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-market-accounts\u002F\"\u003EBest Money Market Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-certificates-of-deposits\u002F\"\u003EBest CDs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-unions\u002F\"\u003EBest Credit Unions\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-3\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EMortgages\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-3\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-3\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgages\u002F\"\u003EAll Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders\u002F\"\u003EBest Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-lenders-for-a-small-down-payment\u002F\"\u003EBest Mortgages for Small Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-va-loans-usda-loans\u002F\"\u003EBest Mortgages for No Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-average-credit-score\u002F\"\u003EBest Mortgages for Average Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-that-dont-charge-origination-fees\u002F\" target=\"_self\"\u003EBest Mortgages No Origination Fee\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fadjustable-rate-mortgage-pros-and-cons\u002F\"\u003EAdjustable Rate Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-affordability\u002F\"\u003EAffording a Mortgage\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-4\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EInsurance\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-4\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-4\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finsurance\u002F\"\u003EAll Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-companies\u002F\"\u003EBest Life Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-seniors\u002F\" target=\"_self\"\u003EBest Life Insurance for Seniors\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-homeowners-insurance-companies\u002F\"\u003EBest Homeowners Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-renters-insurance-companies\u002F\"\u003EBest Renters Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-insurance-companies\u002F\"\u003EBest Car Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-pet-insurance\u002F\" target=\"_self\"\u003EBest Pet Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-boat-insurance\u002F\" target=\"_self\"\u003EBest Boat Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-motorcycle-insurance\u002F\" target=\"_self\"\u003EBest Motorcycle Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-insurance-companies\u002F\"\u003EBest Travel Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fevent-ticket-insurance-worth-it\u002F\" target=\"_self\"\u003EEvent Ticket Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-5\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ESmall Business\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-5\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-5\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsmall-business\u002F\"\u003EAll Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-savings-accounts\u002F\"\u003EBest Small Business Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-business-checking-accounts\u002F\"\u003EBest Small Business Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-credit-cards\u002F\"\u003EBest Credit Cards for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-loans\u002F\"\u003EBest Small Business Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\"\u003EBest Tax Software for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-6\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EPersonal Finance\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-6\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-6\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-finance\u002F\"\u003EAll Personal Finance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-budgeting-apps\u002F\"\u003EBest Budgeting Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-expense-tracker-apps\u002F\"\u003EBest Expense Tracker Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-transfer-payment-apps\u002F\"\u003EBest Money Transfer Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-resale-apps-and-websites\u002F\"\u003EBest Resale Apps and Sites\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-buy-now-pay-later-apps\u002F\"\u003EBuy Now Pay Later (BNPL) Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-relief-companies\u002F\"\u003EBest Debt Relief\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-7\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ECredit Monitoring\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-7\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-7\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-monitoring\u002F\"\u003EAll Credit Monitoring\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-monitoring-services\"\u003EBest Credit Monitoring Services\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-identity-theft-protection-services\u002F\"\u003EBest Identity Theft Protection\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-repair-companies\u002F\"\u003EBest Credit Repair Companies\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-8\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ETaxes\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-8\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-8\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftaxes\u002F\"\u003EAll Taxes\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-file-your-taxes-for-free\u002F\" target=\"_self\"\u003EFiling For Free\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software\u002F\"\u003EBest Tax Software\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\"\u003EBest Tax Software for Small Businesses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-check-the-status-of-your-2020-tax-refund\u002F\"\u003ETax Refunds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ffederal-income-tax-brackets-tax-rates\u002F\" target=\"_self\"\u003ETax Brackets\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-reduce-taxable-income\u002F\" target=\"_self\"\u003ETax Tips\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fstates-with-no-income-tax\u002F\" target=\"_self\"\u003ETaxes By State\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftax-payment-plan-options\u002F\" target=\"_self\"\u003ETax Payment Plans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-9\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EHelp for Low Credit Scores\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-9\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-9\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Flow-credit-scores\u002F\"\u003EAll Help for Low Credit Scores\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-bad-credit\u002F\"\u003EBest Credit Cards for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans-for-bad-credit\u002F\"\u003EBest Personal Loans for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans-for-bad-credit\u002F\"\u003EBest Debt Consolidation Loans for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-to-consider-if-you-dont-have-credit-score\u002F\"\u003EPersonal Loans if You Don&#39;t Have Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\"\u003EBest Credit Cards for Building Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loans-to-apply-credit-score-580-or-lower\u002F\"\u003EPersonal Loans for 580 Credit Score Lower\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-credit-score-below-670\u002F\"\u003EPersonal Loans for 670 Credit Score or Lower\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-bad-credit-score\u002F\"\u003EBest Mortgages for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-hardship-loans\u002F\"\u003EBest Hardship Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-10\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EInvesting\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-10\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-10\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finvesting\u002F\"\u003EAll Investing\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-ira-accounts\u002F\"\u003EBest IRA Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-roth-ira-accounts\u002F\"\u003EBest Roth IRA Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-investing-apps\u002F\"\u003EBest Investing Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brokerage-free-stock-trading\u002F\"\u003EBest Free Stock Trading Platforms\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-robo-advisors\u002F\"\u003EBest Robo-Advisors\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-index-funds\u002F\"\u003EIndex Funds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-mutual-funds\u002F\"\u003EMutual Funds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-etfs-should-you-invest\u002F\"\u003EETFs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-bonds\u002F\"\u003EBonds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-11\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ESelect\u003Cspan class=\"inline-logo\"\u003E\u003Csvg width=\"24\" height=\"14\" viewBox=\"0 0 24 14\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M13.7061 11.1534C13.7061 11.1534 13.8045 10.9578 13.8497 10.86C14.0058 10.5106 14.1619 10.1618 14.3179 9.81372L14.438 9.54482L16.9049 4.02582C17.3141 3.31883 17.5463 2.28622 17.1529 1.50002C16.992 1.14292 16.7526 0.826171 16.4525 0.573022C16.1499 0.328821 15.7956 0.156023 15.4162 0.0676063C15.0367 -0.0208072 14.6421 -0.0225239 14.2618 0.0625834C14.0458 0.110679 13.8382 0.190787 13.6461 0.300205C13.2527 0.507535 12.9233 0.817165 12.693 1.19604C12.4628 1.57492 12.3403 2.00883 12.3388 2.45147L12.3703 2.48375L13.4424 2.4945C13.5123 2.54242 13.6254 2.53655 13.6461 2.63824C13.2103 2.96974 12.4657 3.26505 12.5591 3.95541L13.6412 10.7701C13.6657 10.8991 13.7061 11.1534 13.7061 11.1534Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M9.67307 9.78209C9.84424 10.1605 10.0164 10.536 10.2033 10.9066C10.2407 10.9839 10.3184 11.1364 10.3184 11.1364C10.3184 11.1364 10.3843 10.7931 10.4089 10.6348L11.6276 2.87063C11.7047 2.31141 11.5929 1.74257 11.3098 1.25326C11.1521 0.997388 10.9507 0.770738 10.7148 0.583434C9.75668 -0.179293 8.27726 -0.168537 7.39982 0.717394C7.06026 1.04001 6.81864 1.45091 6.70247 1.90333C6.5863 2.35575 6.60025 2.83151 6.74273 3.27643C7.65361 5.29733 8.56481 7.31986 9.47634 9.34401C9.54224 9.48971 9.60717 9.63639 9.67307 9.78209Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M13.7492 12.8877L13.9932 12.7322L19.4466 9.01243L19.5676 8.92441L20.4765 8.30446C20.8966 7.98862 21.3933 7.74806 21.6943 7.26598C22.1792 6.58149 22.2756 5.46185 21.8399 4.72356C21.4887 4.0156 20.748 3.53646 20.0122 3.40542C19.5356 3.33278 19.048 3.39518 18.6054 3.58542C18.1627 3.77568 17.783 4.08608 17.5098 4.48106C17.4656 4.5456 17.4242 4.6121 17.3839 4.67663C16.1976 7.33932 14.8903 9.95703 13.824 12.6657L13.7492 12.8877Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M4.55985 9.00076C6.41407 10.272 10.2651 12.8877 10.2651 12.8877L10.1245 12.523L6.72294 4.98277L6.67375 4.87423C6.40376 4.2927 5.92338 3.83356 5.32824 3.58821C4.73309 3.34287 4.06683 3.3293 3.46209 3.55021C3.09951 3.69513 2.77483 3.92008 2.51257 4.20807C2.2503 4.49605 2.05732 4.83954 1.94822 5.21255C1.81921 5.67066 1.82747 6.15623 1.97197 6.60974C2.11646 7.06325 2.39093 7.465 2.76171 7.76574L4.27164 8.80323L4.55985 9.00076Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M13.4581 13.9992H21.5016C22.2659 13.9992 22.9584 13.6677 23.4866 13.0301C23.526 12.9822 23.5614 12.9324 23.5969 12.8786C24.0375 12.2127 24.1379 11.2387 23.7936 10.5141C23.5506 9.97925 23.0342 9.44436 22.4843 9.22924C21.7741 8.89188 20.7826 8.96717 20.1313 9.38471L16.0413 12.2136L15.814 12.3702L13.6303 13.8808L13.4581 13.9992Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M0.516102 13.0315C0.758373 13.3399 1.06959 13.588 1.42508 13.7559C1.78057 13.924 2.17055 14.0074 2.5641 13.9995H10.5446L9.67994 13.402L8.19657 12.3773L3.86844 9.38602C3.21725 8.96848 2.22572 8.8971 1.51551 9.23054C0.966622 9.44567 0.449214 9.98055 0.206249 10.5154C-0.0213014 11.0366 -0.0619288 11.6197 0.0911602 12.167C0.171236 12.4813 0.315924 12.7755 0.516102 13.0315Z\" fill=\"#0477C9\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-11\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-11\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\"\u003EAll Select\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fwellness\"\u003EWellness\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fhome-kitchen\"\u003EHome &amp; Kitchen\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Ftech-tools\"\u003ETech\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fpets\"\u003EPets\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Ftravel\" target=\"_self\"\u003ETravel\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fgift-guides\" target=\"_self\"\u003EGift Guides\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fdeals-sales\" target=\"_self\"\u003EDeals &amp; Sales\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\u002Fblack-friday\" target=\"_self\"\u003EBlack Friday 2024\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ful\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"menu-select__more\"\u003E\u003Cdiv class=\"menu-section-heading\"\u003EMore from CNBC\u003C\u002Fdiv\u003E\u003Cul class=\"menu-select__more-list\"\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fmoney-matters-newsletter\u002F\"\u003ESign up for the CNBC Select Newsletter\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fapplication\u002Fpro\u002F?__source=pro%7Chamburgermenu\" target=\"_self\"\u003ESubscribe to CNBC PRO\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002F\"\u003ECNBC\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002F\"\u003ENBC News\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.today.com\u002F\"\u003ETODAY\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fabout\u002F\"\u003EAbout CNBC\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fhelp.cnbc.com\u002F\"\u003EHelp\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fcnbc-careers-and-employment\u002F\"\u003ECareers\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcuniversal.com\u002Fprivacy?intake=CNBC\" target=\"_blank\" rel=\"noopener noreferrer\"\u003EPrivacy Policy\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca class=\"ot-sdk-show-settings\" target=\"_blank\" rel=\"noopener noreferrer\"\u003EYour Privacy Choices\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcuniversal.com\u002Fprivacy\u002Fcalifornia-consumer-privacy-act?intake=CNBC\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ECA Notice\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fnbcuniversal-terms-of-service\u002F\"\u003ETerms Of Service\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fsite-map\u002F\"\u003ECNBC Sitemap\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Ftogether.nbcuni.com\u002Fadvertise\u002F?utm_source=cnbc&amp;utm_medium=referral&amp;utm_campaign=property_ad_pages\"\u003EAdvertise\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcuniversal.com\u002Fprivacy\u002Fcookies#accordionheader2\" target=\"_blank\" rel=\"noopener noreferrer\"\u003EAd Choices\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"menu-select__follow\"\u003E\u003Cdiv class=\"menu-section menu-section-social\"\u003E\u003Cp class=\"menu-section-heading\"\u003EFollow Select\u003C\u002Fp\u003E\u003Cul class=\"menu-list\"\u003E\u003Cli class=\"menu-list-item\" data-track-event=\"mbt_navbar_follow\" data-track-key=\"platform\" data-track-value=\"twitter\"\u003E\u003Ca href=\"https:\u002F\u002Ftwitter.com\u002FCNBCSelect\" rel=\"noopener noreferrer\" target=\"_blank\" class=\"menu-list-item-link\" aria-label=\"select_cnbc twitter\"\u003E\u003Csvg width=\"1200\" height=\"1227\" viewBox=\"0 0 1200 1227\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M714.163 519.284L1160.89 0H1055.03L667.137 450.887L357.328 0H0L468.492 681.821L0 1226.37H105.866L515.491 750.218L842.672 1226.37H1200L714.137 519.284H714.163ZM569.165 687.828L521.697 619.934L144.011 79.6944H306.615L611.412 515.685L658.88 583.579L1055.08 1150.3H892.476L569.165 687.854V687.828Z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"menu-list-item\" data-track-event=\"mbt_navbar_follow\" data-track-key=\"platform\" data-track-value=\"instagram\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fcnbcselect\u002F\" rel=\"noopener noreferrer\" target=\"_blank\" class=\"menu-list-item-link\" aria-label=\"select_cnbc instagram\"\u003E\u003Csvg xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\" fill=\"currentColor\" viewBox=\"0 0 20 21\"\u003E\u003Cpath d=\"M6.667 10a3.333 3.333 0 116.667 0 3.333 3.333 0 01-6.667 0m-1.802 0a5.135 5.135 0 1010.27 0 5.135 5.135 0 00-10.27 0m9.274-5.338a1.2 1.2 0 102.4 0 1.2 1.2 0 00-2.4 0M5.959 18.14c-.974-.044-1.504-.206-1.856-.344a3.11 3.11 0 01-1.15-.748 3.09 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service.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Ffooter\u003E"]}}},"dataByMarketMover":{},"videoDataWithPosition":{"top":"-3000px","left":"-3000px","data":{},"videoAttributes":{}},"videoIsPreloader":{"isPreloader":true,"autoPlay":false,"firstVideoClickedOnPage":true},"videoPlayerInfo":{"position":"0","layout":"HIDDEN","playback":false,"adPlayback":false,"isMuted":true,"header":{"css":{"link":["https:\u002F\u002Fnodeassets.nbcnews.com\u002Fassets\u002Ffonts\u002Fshared\u002Ffontface-lato.3a30eaa3de132b99a1fe90236087c713.css","https:\u002F\u002Fnodeassets.nbcnews.com\u002Fassets\u002Fheader-footer\u002F1.193.0\u002Fselect_cnbc\u002Fheader.css"]},"js":{"src":["https:\u002F\u002Fnodeassets.nbcnews.com\u002Fassets\u002Fheader-footer\u002F1.193.0\u002Fhfs-header.js","https:\u002F\u002Fnodeassets.nbcnews.com\u002Fassets\u002Fheader-footer\u002F1.193.0\u002Fhfs-search-select.js"],"html":["var _HFS = { version: \"1.193.0\", host: 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34.0809 26.3215L33.3929 27.0187C33.2436 26.8674 32.8736 26.4464 32.1531 26.4399C31.3028 26.4399 30.6083 27.091 30.6083 27.8869C30.6083 28.7354 31.3547 29.334 32.1466 29.334C32.8606 29.3405 33.1787 29.084 33.6201 28.7025L34.2497 29.4458C33.7499 29.8799 33.2112 30.3206 32.1466 30.3206Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M0.00190711 21.2764C0.519991 31.7161 8.94294 40 19.1417 40H120.859C131.058 40 139.481 31.7161 139.999 21.2764L138.161 21.1803C137.692 30.6181 130.075 38.1102 120.859 38.1102H19.1417C9.9262 38.1102 2.30837 30.6181 1.84 21.1803L0.00190711 21.2764Z\" fill=\"#74C5FF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"js-sponsor-wrap\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"local-wrap click-drop-down\"\u003E\u003Cdiv class=\"shortcuts h-h\"\u003E\u003Cul class=\"shortcuts-list h-lh\"\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-cards\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Credit Cards dropdown with sub links\" data-track-menu-name=\"Credit Cards\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003ECredit Cards\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EAll Credit Cards\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-card-marketplace\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Find the Credit Card for You\" class=\"shortcuts-dropdown-item-link\"\u003EFind the Credit Card for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-rewards-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Rewards Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Rewards Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Travel Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Travel Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-zero-interest-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best 0% APR Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest 0% APR Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-balance-transfer-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Balance Transfer Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Balance Transfer Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-cash-back-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Cash Back Credit Cards\" class=\"shortcuts-dropdown-item-link\"\u003EBest Cash Back Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-card-sign-up-bonuses\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Card Sign-Up Bonuses\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Card Sign-Up Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards to Build Credit\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards to Build Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-online-shopping\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards for Online Shopping\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards for Online Shopping\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Floans\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Loans dropdown with sub links\" data-track-menu-name=\"Loans\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003ELoans\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Floans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Loans\" class=\"shortcuts-dropdown-item-link\"\u003EAll Loans\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-marketplace\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Find the Best Personal Loan for You\" class=\"shortcuts-dropdown-item-link\"\u003EFind the Best Personal Loan for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Personal Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Debt Consolidation Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Debt Consolidation Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-loans-for-refinancing-credit-card-debt\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Loans to Refinance Credit Card Debt\" class=\"shortcuts-dropdown-item-link\"\u003EBest Loans to Refinance Credit Card Debt\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F6-personal-loans-thatll-get-you-funded-in-as-little-as-1-business-day\u002F \" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Loans with Fast Funding\" class=\"shortcuts-dropdown-item-link\"\u003EBest Loans with Fast Funding\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-personal-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Personal Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-borrow-50000\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Large Personal Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Large Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-online-applications\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Personal Loans to Apply Online\" class=\"shortcuts-dropdown-item-link\"\u003EBest Personal Loans to Apply Online\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-student-loan-refinance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Student Loan Refinance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Student Loan Refinance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Car Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Car Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbanking\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Banking dropdown with sub links\" data-track-menu-name=\"Banking\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003EBanking\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbanking\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Banking\" class=\"shortcuts-dropdown-item-link\"\u003EAll Banking\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsavings-marketplace\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Find the Savings Account for You\" class=\"shortcuts-dropdown-item-link\"\u003EFind the Savings Account for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-high-yield-savings-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best High Yield Savings Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest High Yield Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-and-mortar-savings-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Big Bank Savings Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Big Bank Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-mortar-checking-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Big Bank Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Big Bank Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-no-fee-checking-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best No Fee Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest No Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fchecking-accounts-with-no-overdraft-fees\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"No Overdraft Fee Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003ENo Overdraft Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-checking-account-bonuses\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Checking Account Bonuses\" class=\"shortcuts-dropdown-item-link\"\u003EBest Checking Account Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-market-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Money Market Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Money Market Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-certificates-of-deposits\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best CDs\" class=\"shortcuts-dropdown-item-link\"\u003EBest CDs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-unions\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Unions\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Unions\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgages\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Mortgages dropdown with sub links\" data-track-menu-name=\"Mortgages\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003EMortgages\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgages\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Mortgages\" class=\"shortcuts-dropdown-item-link\"\u003EAll Mortgages\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-lenders-for-a-small-down-payment\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages for Small Down Payment\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages for Small Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-va-loans-usda-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages for No Down Payment\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages for No Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-average-credit-score\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages for Average Credit Score\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages for Average Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-that-dont-charge-origination-fees\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Mortgages No Origination Fee\" class=\"shortcuts-dropdown-item-link\"\u003EBest Mortgages No Origination Fee\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fadjustable-rate-mortgage-pros-and-cons\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Adjustable Rate Mortgages\" class=\"shortcuts-dropdown-item-link\"\u003EAdjustable Rate Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-affordability\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Affording a Mortgage\" class=\"shortcuts-dropdown-item-link\"\u003EAffording a Mortgage\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finsurance\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Insurance dropdown with sub links\" data-track-menu-name=\"Insurance\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003EInsurance\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finsurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EAll Insurance\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Life Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Life Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-seniors\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Life Insurance for Seniors\" class=\"shortcuts-dropdown-item-link\"\u003EBest Life Insurance for Seniors\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-homeowners-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Homeowners Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Homeowners Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-renters-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Renters Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Renters Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Car Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Car Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-pet-insurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Pet Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Pet Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-boat-insurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Boat Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Boat Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-motorcycle-insurance\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Motorcycle Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Motorcycle Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-insurance-companies\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Travel Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EBest Travel Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fevent-ticket-insurance-worth-it\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Event Ticket Insurance\" class=\"shortcuts-dropdown-item-link\"\u003EEvent Ticket Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsmall-business\u002F\" role=\"button\" aria-expanded=\"false\" aria-label=\"Small Business dropdown with sub links\" data-track-menu-name=\"Small Business\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003ESmall Business\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item all-link\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsmall-business\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"All Small Business\" class=\"shortcuts-dropdown-item-link\"\u003EAll Small Business\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-savings-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Business Savings Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Business Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-business-checking-accounts\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Business Checking Accounts\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Business Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-credit-cards\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Credit Cards for Small Business\" class=\"shortcuts-dropdown-item-link\"\u003EBest Credit Cards for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-loans\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Small Business Loans\" class=\"shortcuts-dropdown-item-link\"\u003EBest Small Business Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\" target=\"_self\" tabindex=\"-1\" data-track-menu-name=\"Best Tax Software for Small Business\" class=\"shortcuts-dropdown-item-link\"\u003EBest Tax Software for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-list-item shortcuts-list-item--click-dd\"\u003E\u003Ca href=\"\" role=\"button\" aria-expanded=\"false\" aria-label=\"+More dropdown with sub links\" data-track-menu-name=\"+More\" class=\"shortcuts-list-item-link\"\u003E\u003Cspan class=\"chevron-down\"\u003E\u003C\u002Fspan\u003E\u003Cspan class=\"shortcuts-list-item-text\"\u003E+More\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Cnav class=\"shortcuts-dropdown\" aria-hidden=\"true\"\u003E\u003Cmenu class=\"shortcuts-dropdown-list\"\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"personal-finance\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"personal-finance\"\u003EPersonal Finance\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"personal-finance-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-finance\u002F\" tabindex=\"-1\" data-track-sub-link=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Personal Finance\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-budgeting-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Budgeting Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-expense-tracker-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Expense Tracker Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-transfer-payment-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Money Transfer Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-resale-apps-and-websites\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Resale Apps and Sites\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-buy-now-pay-later-apps\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBuy Now Pay Later (BNPL) Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-relief-companies\u002F\" target=\"_self\" data-track-menu-name=\"personal-finance-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Debt Relief\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"credit-monitoring\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"credit-monitoring\"\u003ECredit Monitoring\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"credit-monitoring-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-monitoring\u002F\" tabindex=\"-1\" data-track-sub-link=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Credit Monitoring\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-monitoring-services\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Monitoring Services\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-identity-theft-protection-services\u002F\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Identity Theft Protection\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-repair-companies\u002F\" target=\"_self\" data-track-menu-name=\"credit-monitoring-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Repair Companies\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"taxes\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"taxes\"\u003ETaxes\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"taxes-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftaxes\u002F\" tabindex=\"-1\" data-track-sub-link=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Taxes\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-file-your-taxes-for-free\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EFiling For Free\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Tax Software\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Tax Software for Small Businesses\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-check-the-status-of-your-2020-tax-refund\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Refunds\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ffederal-income-tax-brackets-tax-rates\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Brackets\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-reduce-taxable-income\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Tips\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fstates-with-no-income-tax\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETaxes By State\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftax-payment-plan-options\u002F\" target=\"_self\" data-track-menu-name=\"taxes-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003ETax Payment Plans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"help-for-low-credit-scores\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"help-for-low-credit-scores\"\u003EHelp for Low Credit Scores\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"help-for-low-credit-scores-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Flow-credit-scores\u002F\" tabindex=\"-1\" data-track-sub-link=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Help for Low Credit Scores\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-bad-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Cards for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans-for-bad-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Personal Loans for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans-for-bad-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Debt Consolidation Loans for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-to-consider-if-you-dont-have-credit-score\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EPersonal Loans if You Don&#39;t Have Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Credit Cards for Building Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loans-to-apply-credit-score-580-or-lower\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EPersonal Loans for 580 Credit Score Lower\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-credit-score-below-670\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EPersonal Loans for 670 Credit Score or Lower\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-bad-credit-score\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Mortgages for Bad Credit\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-hardship-loans\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Hardship Loans\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\" target=\"_self\" data-track-menu-name=\"help-for-low-credit-scores-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"shortcuts-dropdown-item\"\u003E\u003Ca tabindex=\"-1\" data-track-menu-name=\"investing\" class=\"shortcuts-dropdown-item-link shortcuts-dropdown-item-link-with-submenu\"\u003E\u003Cp data-track-menu-name=\"investing\"\u003EInvesting\u003C\u002Fp\u003E\u003Cspan class=\"chevron-right\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E\u003Ca role=\"button\" tabindex=\"-1\" data-track-menu-name=\"investing-back-btn\" class=\"shortcuts-dropdown-item-link back-btn dn js-l3-dropdown\"\u003E+More\u003C\u002Fbutton\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finvesting\u002F\" tabindex=\"-1\" data-track-sub-link=\"investing-submenu\" class=\"shortcuts-dropdown-item-link all-link dn js-l3-dropdown\"\u003EAll Investing\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-ira-accounts\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest IRA Accounts\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-roth-ira-accounts\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Roth IRA Accounts\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-investing-apps\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Investing Apps\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brokerage-free-stock-trading\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Free Stock Trading Platforms\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-robo-advisors\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBest Robo-Advisors\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-index-funds\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EIndex Funds\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-mutual-funds\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EMutual Funds\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-etfs-should-you-invest\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EETFs\u003C\u002Fa\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-bonds\u002F\" target=\"_self\" data-track-menu-name=\"investing-submenu\" class=\"shortcuts-dropdown-item-link dn js-l3-dropdown\"\u003EBonds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Fmenu\u003E\u003C\u002Fnav\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cdiv class=\"local-insert js-local-nav-insert\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"login js-login-wrapper\" style=\"display: none;\"\u003E\u003Cbutton class=\"login__button login__button--anon js-sign-in\" aria-label=\"user profile\" style=\"opacity: 0.3;\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.4818 23C13.9442 22.9448 15.015 22.6891 16.6425 22.0661C17.1511 21.8714 17.7038 21.5442 18.1519 21.2438C18.2621 21.1698 18.3634 21.0994 18.4531 21.0354C18.4284 20.8421 18.3915 20.6014 18.3366 20.3265C18.1859 19.5717 17.9048 18.5868 17.3887 17.6282C17.3719 17.597 17.2859 17.4804 17.0073 17.3271C16.7397 17.1798 16.3661 17.0384 15.8936 16.9174C14.9501 16.6757 13.7393 16.5468 12.5 16.5468C11.2607 16.5468 10.0499 16.6756 9.10632 16.9173C8.63381 17.0384 8.26021 17.1798 7.99265 17.327C7.71413 17.4803 7.62808 17.597 7.61125 17.6282C7.0951 18.587 6.81402 19.5719 6.6633 20.3267C6.61106 20.5883 6.57511 20.819 6.55051 21.0072C6.61482 21.0495 6.685 21.0951 6.76052 21.1434C7.18956 21.4177 7.78323 21.7736 8.44718 22.1056C8.85247 22.3082 9.55081 22.549 10.3356 22.7327C10.8282 22.8481 11.3177 22.9322 11.7535 22.9739C11.9941 22.9908 12.237 22.9996 12.4818 23ZM4.77176 19.6081C4.96194 18.7705 5.28829 17.724 5.85023 16.6802C6.12186 16.1756 6.57668 15.8234 7.02833 15.5749C7.49093 15.3203 8.0368 15.1268 8.60997 14.9799C8.95702 14.891 9.32578 14.8163 9.70891 14.7553C8.38545 13.8592 7.51559 12.3437 7.51559 10.625C7.51559 7.87221 9.74718 5.64062 12.5 5.64062C15.2528 5.64062 17.4843 7.87221 17.4843 10.625C17.4843 12.3437 16.6145 13.8592 15.291 14.7553C15.6741 14.8163 16.0429 14.891 16.39 14.98C16.9631 15.1268 17.509 15.3203 17.9716 15.5749C18.4232 15.8234 18.878 16.1756 19.1497 16.6801C19.7117 17.7238 20.038 18.7704 20.2282 19.6081C21.9491 17.7381 23 15.2418 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 15.2417 3.05085 17.7381 4.77176 19.6081ZM11.5955 24.9678C5.11415 24.5043 0 19.0994 0 12.5C0 5.59644 5.59644 0 12.5 0C19.4036 0 25 5.59644 25 12.5C25 19.3977 19.4131 24.9904 12.5177 25C12.2261 25.0097 11.9147 24.9971 11.5955 24.9678ZM9.51559 10.625C9.51559 8.97678 10.8517 7.64062 12.5 7.64062C14.1482 7.64062 15.4843 8.97678 15.4843 10.625C15.4843 12.2732 14.1482 13.6094 12.5 13.6094C10.8517 13.6094 9.51559 12.2732 9.51559 10.625Z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003Cbutton class=\"login__button login__button--auth h-dn js-sign-out\" aria-label=\"user profile\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Ccircle cx=\"12.5\" cy=\"12.5\" r=\"12.5\" fill=\"#3061FF\"\u002F\u003E\u003Cpath class=\"login__icon--person\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 14.6719C14.7005 14.6719 16.4844 12.888 16.4844 10.6875C16.4844 8.48699 14.7005 6.70312 12.5 6.70312C10.2995 6.70312 8.51562 8.48699 8.51562 10.6875C8.51562 12.888 10.2995 14.6719 12.5 14.6719ZM19.5 22C19.5 22 19.4231 19.3596 18.2692 17.2166C17.1154 15.0737 7.88462 15.0734 6.73077 17.2167C5.57692 19.36 5.5 22 5.5 22L11.9849 23.8528C12.3216 23.949 12.6784 23.949 13.0151 23.8528L19.5 22Z\" fill=\"white\"\u002F\u003E\u003Cpath class=\"login__icon--border\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 23C18.299 23 23 18.299 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 18.299 6.70101 23 12.5 23ZM12.5 25C19.4036 25 25 19.4036 25 12.5C25 5.59644 19.4036 0 12.5 0C5.59644 0 0 5.59644 0 12.5C0 19.4036 5.59644 25 12.5 25Z\" fill=\"#82AEFF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003C\u002Fdiv\u003E\u003Cbutton class=\"search-button-trigger\"\u003E\u003Clabel class=\"search-local\" for=\"queryly_toggle\" data-track-event=\"mbt_navbar_searchIcon\" data-track-key=\"search\" data-track-value=\"top-nav-icon\"\u003E\u003Cspan class=\"queryly_search_button\" style=\"line-height: 0;\"\u003E\u003Csvg xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\" viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-labelledby=\"search_title\"\u003E\u003Ctitle class=\"search_title\"\u003ESearch\u003C\u002Ftitle\u003E\u003Cpath fill-rule=\"evenodd\" d=\"M13.773 11.649L20 17.876 17.876 20l-6.227-6.227a7.508 7.508 0 112.124-2.124zm-6.265.364a4.505 4.505 0 100-9.01 4.505 4.505 0 000 9.01z\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fspan\u003E\u003C\u002Flabel\u003E\u003C\u002Fbutton\u003E\u003Cdiv class=\"login js-login-wrapper\" style=\"display: none;\"\u003E\u003Cbutton class=\"login__button login__button--anon js-sign-in\" aria-label=\"user profile\" style=\"opacity: 0.3;\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.4818 23C13.9442 22.9448 15.015 22.6891 16.6425 22.0661C17.1511 21.8714 17.7038 21.5442 18.1519 21.2438C18.2621 21.1698 18.3634 21.0994 18.4531 21.0354C18.4284 20.8421 18.3915 20.6014 18.3366 20.3265C18.1859 19.5717 17.9048 18.5868 17.3887 17.6282C17.3719 17.597 17.2859 17.4804 17.0073 17.3271C16.7397 17.1798 16.3661 17.0384 15.8936 16.9174C14.9501 16.6757 13.7393 16.5468 12.5 16.5468C11.2607 16.5468 10.0499 16.6756 9.10632 16.9173C8.63381 17.0384 8.26021 17.1798 7.99265 17.327C7.71413 17.4803 7.62808 17.597 7.61125 17.6282C7.0951 18.587 6.81402 19.5719 6.6633 20.3267C6.61106 20.5883 6.57511 20.819 6.55051 21.0072C6.61482 21.0495 6.685 21.0951 6.76052 21.1434C7.18956 21.4177 7.78323 21.7736 8.44718 22.1056C8.85247 22.3082 9.55081 22.549 10.3356 22.7327C10.8282 22.8481 11.3177 22.9322 11.7535 22.9739C11.9941 22.9908 12.237 22.9996 12.4818 23ZM4.77176 19.6081C4.96194 18.7705 5.28829 17.724 5.85023 16.6802C6.12186 16.1756 6.57668 15.8234 7.02833 15.5749C7.49093 15.3203 8.0368 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\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003Cbutton class=\"login__button login__button--auth h-dn js-sign-out\" aria-label=\"user profile\"\u003E\u003Csvg viewBox=\"0 0 25 25\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Ccircle cx=\"12.5\" cy=\"12.5\" r=\"12.5\" fill=\"#3061FF\"\u002F\u003E\u003Cpath class=\"login__icon--person\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 14.6719C14.7005 14.6719 16.4844 12.888 16.4844 10.6875C16.4844 8.48699 14.7005 6.70312 12.5 6.70312C10.2995 6.70312 8.51562 8.48699 8.51562 10.6875C8.51562 12.888 10.2995 14.6719 12.5 14.6719ZM19.5 22C19.5 22 19.4231 19.3596 18.2692 17.2166C17.1154 15.0737 7.88462 15.0734 6.73077 17.2167C5.57692 19.36 5.5 22 5.5 22L11.9849 23.8528C12.3216 23.949 12.6784 23.949 13.0151 23.8528L19.5 22Z\" fill=\"white\"\u002F\u003E\u003Cpath class=\"login__icon--border\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12.5 23C18.299 23 23 18.299 23 12.5C23 6.70101 18.299 2 12.5 2C6.70101 2 2 6.70101 2 12.5C2 18.299 6.70101 23 12.5 23ZM12.5 25C19.4036 25 25 19.4036 25 12.5C25 5.59644 19.4036 0 12.5 0C5.59644 0 0 5.59644 0 12.5C0 19.4036 5.59644 25 12.5 25Z\" fill=\"#82AEFF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"headline-container\"\u003E\u003Cdiv class=\"headline-wrap h-h\"\u003E\u003Cdiv class=\"headline-title h-h\"\u003E\u003Cp class=\"headline-title-text h-lh js-headline-text\"\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"share-list h-h\"\u003E\u003Cdiv class=\"share-inner\"\u003E\u003Cul class=\"share-ul h-h\"\u003E\u003Cli class=\"share-li share-li-cta\"\u003EShare\u003C\u002Fli\u003E\u003Cli class=\"share-li share-li-icon share-li-facebook\"\u003E\u003Ca href=\"javascript:void(0);\" target=\"_blank\" class=\"js-hfs-share\" data-key=\"facebook\"data-template=\"https:\u002F\u002Fwww.facebook.com\u002Fsharer\u002Fsharer.php?u=URL&cid=article_share_facebook\" data-track-event=\"mbt_navbar_share\" data-track-key=\"platform\" data-track-value=\"facebook\" tabindex=\"-1\"\u003E\u003Csvg viewBox=\"0 0 20 20\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M11.248 20H7.5V10H5V6.554l2.5-.001-.004-2.03C7.496 1.71 8.258 0 11.57 0h2.758v3.447h-1.724c-1.29 0-1.351.482-1.351 1.38l-.006 1.726h3.1l-.365 3.446L11.25 10l-.002 10z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"share-li share-li-icon share-li-twitter\"\u003E\u003Ca href=\"javascript:void(0);\" target=\"_blank\" class=\"js-hfs-share\" data-key=\"twitter\"data-template=\"https:\u002F\u002Ftwitter.com\u002Fintent\u002Ftweet?text=HEADLINE&via=VIA&url=URL&original_referer=URL&cid=article_share_twitter\" data-track-event=\"mbt_navbar_share\" data-track-key=\"platform\" data-track-value=\"twitter\" tabindex=\"-1\"\u003E\u003Csvg width=\"1200\" height=\"1227\" viewBox=\"0 0 1200 1227\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M714.163 519.284L1160.89 0H1055.03L667.137 450.887L357.328 0H0L468.492 681.821L0 1226.37H105.866L515.491 750.218L842.672 1226.37H1200L714.137 519.284H714.163ZM569.165 687.828L521.697 619.934L144.011 79.6944H306.615L611.412 515.685L658.88 583.579L1055.08 1150.3H892.476L569.165 687.854V687.828Z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"share-li share-li-icon share-li-email\"\u003E\u003Ca href=\"javascript:void(0);\" target=\"_blank\" class=\"js-hfs-share\" data-key=\"email\"data-template=\"mailto:?subject=HEADLINE&body=URL\" data-track-event=\"mbt_navbar_share\" data-track-key=\"platform\" data-track-value=\"email\" tabindex=\"-1\"\u003E\u003Csvg viewBox=\"0 0 20 20\" fill=\"currentColor\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M.1 4h19.8L10 11.02.1 4zM0 5.893l10 7.111 10-7.111V16.8H0V5.893z\" \u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003Cbutton class=\"hamburger js-menu-toggle\" aria-haspopup=\"true\" aria-expanded=\"false\" aria-label=\"select_cnbc navigation and search\" type=\"button\"\u003E\u003Cspan\u003E\u003C\u002Fspan\u003E\u003Cspan\u003E\u003C\u002Fspan\u003E\u003Cspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fbutton\u003E\u003Cdiv class=\"login__dropdown js-auth-options\" style=\"display: none;\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003C!-- TODO: Remove id attribute once Adobe Activity Map issue resolves (NGAUD-923) --\u003E\u003Cdiv class=\"menu-overlay-wrapper js-menu-toggle\" id=hamburger data-activity-map=hamburger\u003E\u003Cdiv class=\"menu js-menu-selector\"\u003E\u003Cbutton class=\"overlay js-menu-toggle\"\u003E\u003C\u002Fbutton\u003E\u003Csection class=\"inner menu-select\"\u003E\u003Cdiv class=\"menu-header\"\u003E\u003Cdiv\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F\" \u003E\u003Cdiv class=\"menu-logo\"\u003E\u003Csvg width=\"140\" height=\"40\" viewBox=\"0 0 140 40\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M41.2555 28.0946L43.5254 24.945C44.7524 26.1418 46.0407 26.7088 47.4518 26.7088C48.372 26.7088 48.9242 26.3938 48.9242 25.8269C48.9242 25.323 48.4947 25.008 46.5929 24.3781C44.0776 23.5592 41.869 22.2993 41.869 19.3387C41.869 16.1891 44.3843 14.4253 47.5131 14.4253C49.7831 14.4253 51.4395 15.0552 53.1573 16.3781L50.8873 19.7796C49.8444 18.7088 48.5561 18.1418 47.5745 18.1418C47.0223 18.1418 46.4088 18.3938 46.3475 18.9607C46.3475 19.4647 46.8996 19.7796 48.372 20.3466C51.6849 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33.1787 29.084 33.6201 28.7025L34.2497 29.4458C33.7499 29.8799 33.2112 30.3206 32.1466 30.3206Z\" fill=\"#0C75CD\"\u002F\u003E\u003Cpath d=\"M0.00190711 21.2764C0.519991 31.7161 8.94294 40 19.1417 40H120.859C131.058 40 139.481 31.7161 139.999 21.2764L138.161 21.1803C137.692 30.6181 130.075 38.1102 120.859 38.1102H19.1417C9.9262 38.1102 2.30837 30.6181 1.84 21.1803L0.00190711 21.2764Z\" fill=\"#74C5FF\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fdiv\u003E\u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\u003Cbutton class=\"close-button js-menu-toggle\" on=\"tap:AmpSidebar.toggle\"\u003E\u003Csvg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0.7072 19.0918L19.092 0.70707L0.7072 19.0918Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M0.7072 19.0918L19.092 0.70707\" stroke=\"#0477C9\" stroke-width=\"2\"\u002F\u003E\u003Cpath fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M0.7072 0.707107L19.092 19.0919L0.7072 0.707107Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M0.7072 0.707107L19.092 19.0919\" stroke=\"#0477C9\" stroke-width=\"2\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fbutton\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003E\u003Cul class=\"menu-select__sections-list\" data-menu-id=\"0\"\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-0\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ECredit Cards\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-0\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-0\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-cards\u002F\"\u003EAll Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-card-marketplace\u002F\"\u003EFind the Credit Card for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards\u002F\"\u003EBest Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-rewards-credit-cards\u002F\"\u003EBest Rewards Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-credit-cards\u002F\"\u003EBest Travel Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-zero-interest-credit-cards\u002F\"\u003EBest 0% APR Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-balance-transfer-credit-cards\u002F\"\u003EBest Balance Transfer Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-cash-back-credit-cards\u002F\"\u003EBest Cash Back Credit Cards\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-card-sign-up-bonuses\u002F\"\u003EBest Credit Card Sign-Up Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\"\u003EBest Credit Cards to Build Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-online-shopping\u002F\" target=\"_self\"\u003EBest Credit Cards for Online Shopping\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-1\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ELoans\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-1\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-1\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Floans\u002F\"\u003EAll Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-marketplace\u002F\"\u003EFind the Best Personal Loan for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans\u002F\"\u003EBest Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans\u002F\"\u003EBest Debt Consolidation Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-loans-for-refinancing-credit-card-debt\u002F\"\u003EBest Loans to Refinance Credit Card Debt\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F6-personal-loans-thatll-get-you-funded-in-as-little-as-1-business-day\u002F \"\u003EBest Loans with Fast Funding\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-personal-loans\u002F\"\u003EBest Small Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-borrow-50000\u002F\"\u003EBest Large Personal Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-online-applications\u002F\"\u003EBest Personal Loans to Apply Online\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-student-loan-refinance-companies\u002F\"\u003EBest Student Loan Refinance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-loans\u002F\" target=\"_self\"\u003EBest Car Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-2\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EBanking\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-2\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-2\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbanking\u002F\"\u003EAll Banking\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsavings-marketplace\u002F\"\u003EFind the Savings Account for You\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-high-yield-savings-accounts\u002F\"\u003EBest High Yield Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-and-mortar-savings-accounts\u002F\"\u003EBest Big Bank Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brick-mortar-checking-accounts\u002F\"\u003EBest Big Bank Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-no-fee-checking-accounts\u002F\"\u003EBest No Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fchecking-accounts-with-no-overdraft-fees\u002F\"\u003ENo Overdraft Fee Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-checking-account-bonuses\u002F\"\u003EBest Checking Account Bonuses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-market-accounts\u002F\"\u003EBest Money Market Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-certificates-of-deposits\u002F\"\u003EBest CDs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-unions\u002F\"\u003EBest Credit Unions\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-3\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EMortgages\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-3\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-3\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgages\u002F\"\u003EAll Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders\u002F\"\u003EBest Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-lenders-for-a-small-down-payment\u002F\"\u003EBest Mortgages for Small Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-va-loans-usda-loans\u002F\"\u003EBest Mortgages for No Down Payment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-average-credit-score\u002F\"\u003EBest Mortgages for Average Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-that-dont-charge-origination-fees\u002F\" target=\"_self\"\u003EBest Mortgages No Origination Fee\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fadjustable-rate-mortgage-pros-and-cons\u002F\"\u003EAdjustable Rate Mortgages\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fmortgage-affordability\u002F\"\u003EAffording a Mortgage\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-4\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EInsurance\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-4\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-4\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finsurance\u002F\"\u003EAll Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-companies\u002F\"\u003EBest Life Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-life-insurance-seniors\u002F\" target=\"_self\"\u003EBest Life Insurance for Seniors\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-homeowners-insurance-companies\u002F\"\u003EBest Homeowners Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-renters-insurance-companies\u002F\"\u003EBest Renters Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-car-insurance-companies\u002F\"\u003EBest Car Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-pet-insurance\u002F\" target=\"_self\"\u003EBest Pet Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-boat-insurance\u002F\" target=\"_self\"\u003EBest Boat Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-motorcycle-insurance\u002F\" target=\"_self\"\u003EBest Motorcycle Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-travel-insurance-companies\u002F\"\u003EBest Travel Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fevent-ticket-insurance-worth-it\u002F\" target=\"_self\"\u003EEvent Ticket Insurance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-5\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ESmall Business\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-5\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-5\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsmall-business\u002F\"\u003EAll Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-savings-accounts\u002F\"\u003EBest Small Business Savings Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-business-checking-accounts\u002F\"\u003EBest Small Business Checking Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-credit-cards\u002F\"\u003EBest Credit Cards for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-small-business-loans\u002F\"\u003EBest Small Business Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\"\u003EBest Tax Software for Small Business\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-6\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EPersonal Finance\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-6\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-6\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-finance\u002F\"\u003EAll Personal Finance\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-budgeting-apps\u002F\"\u003EBest Budgeting Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-expense-tracker-apps\u002F\"\u003EBest Expense Tracker Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-money-transfer-payment-apps\u002F\"\u003EBest Money Transfer Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-resale-apps-and-websites\u002F\"\u003EBest Resale Apps and Sites\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-buy-now-pay-later-apps\u002F\"\u003EBuy Now Pay Later (BNPL) Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-relief-companies\u002F\"\u003EBest Debt Relief\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-7\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ECredit Monitoring\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-7\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-7\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcredit-monitoring\u002F\"\u003EAll Credit Monitoring\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-monitoring-services\"\u003EBest Credit Monitoring Services\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-identity-theft-protection-services\u002F\"\u003EBest Identity Theft Protection\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-repair-companies\u002F\"\u003EBest Credit Repair Companies\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-8\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ETaxes\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-8\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-8\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftaxes\u002F\"\u003EAll Taxes\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-file-your-taxes-for-free\u002F\" target=\"_self\"\u003EFiling For Free\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software\u002F\"\u003EBest Tax Software\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-tax-software-for-small-businesses\u002F\"\u003EBest Tax Software for Small Businesses\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-check-the-status-of-your-2020-tax-refund\u002F\"\u003ETax Refunds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ffederal-income-tax-brackets-tax-rates\u002F\" target=\"_self\"\u003ETax Brackets\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-reduce-taxable-income\u002F\" target=\"_self\"\u003ETax Tips\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fstates-with-no-income-tax\u002F\" target=\"_self\"\u003ETaxes By State\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftax-payment-plan-options\u002F\" target=\"_self\"\u003ETax Payment Plans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-9\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EHelp for Low Credit Scores\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-9\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-9\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Flow-credit-scores\u002F\"\u003EAll Help for Low Credit Scores\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards-for-bad-credit\u002F\"\u003EBest Credit Cards for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-personal-loans-for-bad-credit\u002F\"\u003EBest Personal Loans for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-debt-consolidation-loans-for-bad-credit\u002F\"\u003EBest Debt Consolidation Loans for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-to-consider-if-you-dont-have-credit-score\u002F\"\u003EPersonal Loans if You Don&#39;t Have Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fthe-best-credit-cards-for-building-credit\u002F\"\u003EBest Credit Cards for Building Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loans-to-apply-credit-score-580-or-lower\u002F\"\u003EPersonal Loans for 580 Credit Score Lower\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fpersonal-loan-lenders-credit-score-below-670\u002F\"\u003EPersonal Loans for 670 Credit Score or Lower\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-mortgage-lenders-bad-credit-score\u002F\"\u003EBest Mortgages for Bad Credit\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-hardship-loans\u002F\"\u003EBest Hardship Loans\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-experian-boost-works\u002F\"\u003EHow to Boost Your Credit Score\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-10\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003EInvesting\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-10\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-10\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Finvesting\u002F\"\u003EAll Investing\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-ira-accounts\u002F\"\u003EBest IRA Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-roth-ira-accounts\u002F\"\u003EBest Roth IRA Accounts\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-investing-apps\u002F\"\u003EBest Investing Apps\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-brokerage-free-stock-trading\u002F\"\u003EBest Free Stock Trading Platforms\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-robo-advisors\u002F\"\u003EBest Robo-Advisors\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-index-funds\u002F\"\u003EIndex Funds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-mutual-funds\u002F\"\u003EMutual Funds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-etfs-should-you-invest\u002F\"\u003EETFs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-bonds\u002F\"\u003EBonds\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cli class=\"parent-item\" data-menu-id=\"0-11\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"label\"\u003ESelect\u003Cspan class=\"inline-logo\"\u003E\u003Csvg width=\"24\" height=\"14\" viewBox=\"0 0 24 14\" fill=\"none\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\"\u003E\u003Cpath d=\"M13.7061 11.1534C13.7061 11.1534 13.8045 10.9578 13.8497 10.86C14.0058 10.5106 14.1619 10.1618 14.3179 9.81372L14.438 9.54482L16.9049 4.02582C17.3141 3.31883 17.5463 2.28622 17.1529 1.50002C16.992 1.14292 16.7526 0.826171 16.4525 0.573022C16.1499 0.328821 15.7956 0.156023 15.4162 0.0676063C15.0367 -0.0208072 14.6421 -0.0225239 14.2618 0.0625834C14.0458 0.110679 13.8382 0.190787 13.6461 0.300205C13.2527 0.507535 12.9233 0.817165 12.693 1.19604C12.4628 1.57492 12.3403 2.00883 12.3388 2.45147L12.3703 2.48375L13.4424 2.4945C13.5123 2.54242 13.6254 2.53655 13.6461 2.63824C13.2103 2.96974 12.4657 3.26505 12.5591 3.95541L13.6412 10.7701C13.6657 10.8991 13.7061 11.1534 13.7061 11.1534Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M9.67307 9.78209C9.84424 10.1605 10.0164 10.536 10.2033 10.9066C10.2407 10.9839 10.3184 11.1364 10.3184 11.1364C10.3184 11.1364 10.3843 10.7931 10.4089 10.6348L11.6276 2.87063C11.7047 2.31141 11.5929 1.74257 11.3098 1.25326C11.1521 0.997388 10.9507 0.770738 10.7148 0.583434C9.75668 -0.179293 8.27726 -0.168537 7.39982 0.717394C7.06026 1.04001 6.81864 1.45091 6.70247 1.90333C6.5863 2.35575 6.60025 2.83151 6.74273 3.27643C7.65361 5.29733 8.56481 7.31986 9.47634 9.34401C9.54224 9.48971 9.60717 9.63639 9.67307 9.78209Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M13.7492 12.8877L13.9932 12.7322L19.4466 9.01243L19.5676 8.92441L20.4765 8.30446C20.8966 7.98862 21.3933 7.74806 21.6943 7.26598C22.1792 6.58149 22.2756 5.46185 21.8399 4.72356C21.4887 4.0156 20.748 3.53646 20.0122 3.40542C19.5356 3.33278 19.048 3.39518 18.6054 3.58542C18.1627 3.77568 17.783 4.08608 17.5098 4.48106C17.4656 4.5456 17.4242 4.6121 17.3839 4.67663C16.1976 7.33932 14.8903 9.95703 13.824 12.6657L13.7492 12.8877Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M4.55985 9.00076C6.41407 10.272 10.2651 12.8877 10.2651 12.8877L10.1245 12.523L6.72294 4.98277L6.67375 4.87423C6.40376 4.2927 5.92338 3.83356 5.32824 3.58821C4.73309 3.34287 4.06683 3.3293 3.46209 3.55021C3.09951 3.69513 2.77483 3.92008 2.51257 4.20807C2.2503 4.49605 2.05732 4.83954 1.94822 5.21255C1.81921 5.67066 1.82747 6.15623 1.97197 6.60974C2.11646 7.06325 2.39093 7.465 2.76171 7.76574L4.27164 8.80323L4.55985 9.00076Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M13.4581 13.9992H21.5016C22.2659 13.9992 22.9584 13.6677 23.4866 13.0301C23.526 12.9822 23.5614 12.9324 23.5969 12.8786C24.0375 12.2127 24.1379 11.2387 23.7936 10.5141C23.5506 9.97925 23.0342 9.44436 22.4843 9.22924C21.7741 8.89188 20.7826 8.96717 20.1313 9.38471L16.0413 12.2136L15.814 12.3702L13.6303 13.8808L13.4581 13.9992Z\" fill=\"#0477C9\"\u002F\u003E\u003Cpath d=\"M0.516102 13.0315C0.758373 13.3399 1.06959 13.588 1.42508 13.7559C1.78057 13.924 2.17055 14.0074 2.5641 13.9995H10.5446L9.67994 13.402L8.19657 12.3773L3.86844 9.38602C3.21725 8.96848 2.22572 8.8971 1.51551 9.23054C0.966622 9.44567 0.449214 9.98055 0.206249 10.5154C-0.0213014 11.0366 -0.0619288 11.6197 0.0911602 12.167C0.171236 12.4813 0.315924 12.7755 0.516102 13.0315Z\" fill=\"#0477C9\"\u002F\u003E\u003C\u002Fsvg\u003E\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cul class=\"submenu hidden offset\" data-menu-id=\"0-11\"\u003E\u003Cli class=\"back-item\" data-menu-id=\"0-11\"\u003E\u003Cbutton\u003E\u003Cdiv class=\"chevron\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv\u003EMain Menu\u003C\u002Fdiv\u003E\u003C\u002Fbutton\u003E\u003C\u002Fli\u003E\u003Cli class=\"all-item\"\u003E\u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fselect\"\u003EAll Select\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli class=\"link-item\"\u003E\u003Ca 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Wed, Oct 28 2020 • 9:10 AM EDT","dateLastPublishedFormatted":"Updated Fri, Nov 22 2024 • 5:43 PM EST","deck":"The best CD rates today rival those of high-yield savings — and you can lock yours in.","description":"The best CD rates today rival those of high-yield savings — and you can lock yours in.","socialtoolsEnabled":true,"shortestHeadline":null,"headline":"The best CD rates of December 2024: Earn up to 4.95% APY","title":"12 best CD rates of December 2024: Up to 4.95% APY","jobTitle":null,"socialMediaInfo":null,"sourceOrganization":[{"id":80000022,"type":"source","url":"https:\u002F\u002Fwww.cnbc.com\u002Fsearch\u002F?query=CNBC%20US","name":"CNBC.com","logo":null,"creatorOverwrite":null,"__typename":"source"}],"creatorOverwrite":null,"author":[{"id":105950607,"name":"Elizabeth Gravier","url":"https:\u002F\u002Fwww.cnbc.com\u002Felizabeth-gravier\u002F","image":"https:\u002F\u002Fimage.cnbcfm.com\u002Fapi\u002Fv1\u002Fimage\u002F106021880-156329347559920190625-img_9901.jpg?v=1563293522","sameAs":["https:\u002F\u002Fwww.twitter.com\u002Flizgravier_","https:\u002F\u002Fwww.linkedin.com\u002F\u002Fin\u002Felizabethgravier"],"socialMediaInfo":[{"url":"https:\u002F\u002Ftwitter.com\u002Flizgravier_","displayText":"lizgravier_","type":"twitter","__typename":"socialMediaInfo"},{"url":"https:\u002F\u002Flinkedin.com\u002F\u002Fin\u002Felizabethgravier","displayText":"\u002Fin\u002Felizabethgravier","type":"linkedin","__typename":"socialMediaInfo"}],"__typename":"creator"}],"promoImage":{"id":108036663,"url":"https:\u002F\u002Fimage.cnbcfm.com\u002Fapi\u002Fv1\u002Fimage\u002F108036663-1726769486590-gettyimages-1398472101-cashstackspig-3.jpeg?v=1726769515","caption":null,"__typename":"infographic"},"featuredMedia":null,"publisher":{"name":"CNBC","logo":"https:\u002F\u002Fsc.cnbcfm.com\u002Fapplications\u002Fcnbc.com\u002Fstaticcontent\u002Fimg\u002Fcnbc-hdr-logo2.png","__typename":"publisher"},"section":{"id":106792909,"brand":"select","type":"franchise","color":null,"name":"Banking","eyebrow":"Banking","shortestHeadline":"Banking","url":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbanking\u002F","subType":"section","section":{"subType":"section","__typename":"franchise"},"image":null,"logo":{"id":106207800,"url":"https:\u002F\u002Fimage.cnbcfm.com\u002Fapi\u002Fv1\u002Fimage\u002F106207800-1702329384310-106207800-1572284316115select_logo.png?v=1702329392","__typename":"image"},"__typename":"franchise"},"upNext":null,"__typename":"articleHeader"},"__typename":"module"}],"__typename":"column"}],"__typename":"layout"},{"editable":true,"columns":[{"span":"9","editable":true,"modules":[{"name":"articleInlineMedia","source":"106751144","canChangeLayout":false,"canChangeSource":false,"serverRenderPolicy":null,"attributes":{},"options":{},"data":{"id":106751144,"brand":"select","section":{"id":106792909,"color":null,"__typename":"franchise"},"featuredMedia":null,"__typename":"articleInlineMedia"},"__typename":"module"},{"name":"articleBody","source":"106751144","canChangeLayout":false,"canChangeSource":false,"serverRenderPolicy":null,"attributes":{},"options":{},"data":{"id":106751144,"type":"cnbcnewsstory","brand":"select","articleBodyText":"Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public. CDs are a type of savings account where you earn a fixed rate of interest over a fixed period, also known as a CD term. You can't access your funds until the CD term ends. If you need more of an incentive not to touch your savings, a CD can be a smart move. At the end of the term, you receive your original deposit plus the accrued interest you earned. To determine the top CDs, CNBC Select ranked those that offer above-average APYs and a range of CD terms; some banks even offer different CD types, like a CD where you can raise your APY or a CD where you can withdraw penalty-free. All banks on this list are FDIC- or NCUA-insured. (See our methodology for more information on how we choose the best CD accounts.) Best CD rates of December 2024 Alliant Credit Union : Earn up to 4.30% APY Ally Bank® : Earn up to 4.30% APY Barclays® : Earn up to 4.25% APY BMO Alto : Earn up to 4.50% APY Bread Savings™ : Earn up to 4.70% APY LendingClub : Earn up to 4.00% APY Marcus by Goldman Sachs® : Earn up to 4.20% APY Popular Direct : Earn up to 4.40% APY Quontic Bank : Earn up to 4.95% APY Synchrony Bank : Earn up to 4.20% APY Vio Bank : Earn up to 4.30% APY Discover Bank : Earn up to 4.10% APY More on our top CDs Alliant Credit Union [ Jump to more details ] Ally Bank [ Jump to more details ] Barclays [ Jump to more details ] BMO Alto [ Jump to more details ] Bread Savings [ Jump to more details ] LendingClub [ Jump to more details ] Marcus by Goldman Sachs [ Jump to more details ] Popular Direct [ Jump to more details ] Quontic Bank [ Jump to more details ] Synchrony Bank [ Jump to more details ] Vio Bank [ Jump to more details ] Discover Bank [ Jump to more details ] Find the right savings account for you Alliant Credit Union CDs Alliant Credit Union offers CD terms ranging from three to 60 months, earning up to 4.30% APY. There's a $1,000 minimum deposit required for all CDs. Alliant also offers jumbo CDs where you can earn higher rates with deposits of $75,000 or more. Although Alliant is a credit union, membership is open to anyone . You can become a member for free by signing up as an Alliant Credit Union Foundation digital inclusion advocate and Alliant will make the one-time $5 contribution to the foundation on your behalf. CD terms offered 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months Monthly fee None if you select eStatements Early withdrawal penalty fee For CD term of 17 months or less, penalty is number of days the certificate is open, up to 90 days For CD term of 18 to 23 months, penalty is number of days the certificate is open, up to 120 days For CD term of 24 to 48 or 60 months, penalty is number of days the certificate is open, up to 180 days For during 7-day grace period for new certificates, penalty is 7 days (no dividends are earned), a penalty will be applied from the principal balance [ Return to summary ] Ally Bank CDs Ally Bank offers High Yield CDs, Raise Your Rate CDs (get a higher rate when rates increase), No Penalty CDs (withdraw penalty-free) and IRA CDs (save for retirement). CD term lengths range from three months to five years, and you can earn up to 4.30% APY. Ally compounds interest daily, and there is no minimum deposit to open an account. Ally is an online-only bank that offers a range of highly-rated financial products, including everything from checking and savings accounts, to trading platforms, personal loans and mortgage refinancing. The bank has an easy-to-use mobile app and 24\u002F7 live customer service available over the phone, through online chat or on the app. CD terms offered 3 months, 6 months, 9 months, 12 months, 18 months, 36 months, 60 months Monthly fee None Early withdrawal penalty fee High Yield CDs and Raise Your Rate CDs have early withdrawal penalties that vary based on your CD term. With the No Penalty CD, withdraw all your money any time after the first 6 days following the date you funded the account and keep the interest earned with no penalty. [ Return to summary ] Barclays CDs Barclays offers traditional CDs with term lengths ranging from 3 months to 60 months, and you can earn up to 4.25% APY. Barclays compounds interest daily, and none of its CDs have a minimum deposit requirement. Barclays is a brick-and-mortar bank in the U.K. with online banking available across the U.S. CD terms offered 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months Monthly fee None Early withdrawal penalty fee A penalty may be charged for early withdrawal. [ Return to summary ] BMO Alto CDs With BMO Alto , you can access CD terms ranging from six months to 60 months, earning up to 4.50% APY. There's no minimum balance or minimum deposit requirement, and interest is paid monthly. CD terms offered 6 months, 12 months, 24 months, 36 months, 48 months, 60 months Monthly fee None Early withdrawal penalty fee An early withdrawal of principal before maturity will cost an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required to pay the penalty: 11 months or less: You'll be charged 90 days interest 12 months or more: You'll be charged 180 days interest [ Return to summary ] Bread Savings CDs Bread Savings offers traditional CDs with term lengths ranging from one year to five years, and you can earn up to 4.70% APY. Whereas the other banks on this list have no minimums and no monthly fees, Bread Savings requires a $1,500 minimum opening deposit. There are no monthly maintenance fees. Bread Savings is an online-only bank and is a product of Comenity Capital Bank, which is part of Bread Financial. Customer service is available over the phone seven days a week, from 7 a.m. to 9 p.m. CT on weekdays and from 9 a.m. to 5 p.m. CT on weekends and most holidays. CD terms offered 1 year, 2 years, 3 years, 4 years, 5 years Monthly fee None Early withdrawal penalty fee For terms shorter than 1 year, the penalty is 90 days simple interest For terms 12 months to 3 years, the penalty is 180 days simple interest For terms 4 years and up, the penalty is 365 days simple interest [ Return to summary ] LendingClub CDs LendingClub offers CD terms ranging from six months to five years and you can earn up to 4.00% APY. There's a $2,500 minimum required to open a CD account and you can deposit up to $250,000. CD terms offered 6 months, 12 months, 18 months, 24 months, 36 months, 60 months Monthly fee None Early withdrawal penalty fee For terms 1 year or less, the penalty is 90 days simple interest For terms greater than 1 year, the penalty is 180 days simple interest [ Return to summary ] Marcus by Goldman Sachs CDs Marcus by Goldman Sachs offers High-Yield CDs, Rate Bump CDs (get a higher rate) and No-Penalty CDs (withdraw penalty-free). CD term lengths range from six months to six years, and you can earn up to 4.20% APY. Marcus by Goldman Sachs has a $500 minimum deposit requirement, but there are no monthly maintenance fees. Marcus is an online-only division of Goldman Sachs. The bank's U.S.-based contact center is open 24\u002F7 for live customer support over the phone or through online chat. CD terms offered 6 months, 9 months, 12 months, 18 months, 2 years, 3 years, 4 years, 5 years, 6 years Monthly fee None Early withdrawal penalty fee If you withdraw the balance of the entire principal amount from your CD account before maturity, you'll be charged an early withdrawal penalty based on the term of your CD and the principal (except in the case of a No-Penalty CD). Here's how early withdrawal penalties are calculated: Less than 1 year: 90 days interest on the original principal balance at the interest rate in effect for the CD 1 year to 5 years: 180 days interest on the original principal balance at the interest rate in effect for the CD More than 5 years: 270 days interest on the original principal balance at the interest rate in effect for the CD Early Withdrawal Penalty = Interest Rate ÷ 365 (or 366) × Penalty Days × Original Principal Balance [ Return to summary ] Popular Direct CDs Popular Direct has CD terms of three months to 60 months, offering up to 4.40% APY. There's a $10,000 minimum deposit requirement to open a CD account. CD terms offered 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months Monthly fee None Early withdrawal penalty fee For terms less than 91 days: The fee is 89 days simple interest For terms equal to or greater than 91 days but less than 12 months: The fee is 120 days simple interest For terms equal to or greater than 12 months but less than 36 months: The fee is 270 days simple interest For terms equal to or greater than 36 months but less than 60 months: The fee is 365 days simple interest For terms equal to or greater than 60 months: The fee is 730 days simple interest [ Return to summary ] Quontic Bank CDs Quontic Bank offers traditional CDs with term lengths ranging from six months to five years, and you can earn up to 4.95% APY. Its CDs have a $500 minimum deposit requirement and no monthly maintenance fees. Quontic is an online-only bank and a Community Development Financial Institution (CDFI) , which supports economically disadvantaged communities nationwide. CD terms offered 3 months, 6 months, 24 months, 36 months, 60 months Monthly fee None Early withdrawal penalty fee Withdrawals before the maturity date are subject to penalties. For time deposits up to 12 months, the penalty will be equal to the interest for the full length of the stated term For time deposits 12 months to under 24 months, the penalty equals one year interest For time deposits 24 months and over, the penalty equals two years interest. If the accrued interest exceeds the penalty amount, the excess accrued interest over the penalty amount will be paid to you. If the accrued interest is less than the penalty amount, a reduction of the principal balance may result. [ Return to summary ] Synchrony Bank CDs Synchrony Bank offers traditional CDs, a Bump-Up CD (get a higher rate), a No-Penalty CD (withdraw penalty-free) and an IRA CD (save for retirement). CD term lengths range from three months to 60 months, and you can earn up to 4.20% APY. Synchrony is an online-only bank so there are no physical branch locations. However, all deposit accounts are FDIC-insured and its customer service line is available seven days a week by phone or online chat, as well as 24\u002F7 through its app. In addition to CDs, Synchrony Bank offers high-yield savings and money market accounts, as well as credit cards . CD terms offered 3 months, 6 months, 9 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months Monthly fee None Early withdrawal penalty fee There may be an early withdrawal penalty if you withdraw funds from the principal prior to the CD maturity date (the last day of the CD term). The penalty is applied to the amount of principal withdrawn (there's no penalty on interest). For the No-Penalty CD, early withdrawals are not permitted within the first 6 days after account funding. Following that, only withdrawal of the entire balance is allowed. [ Return to summary ] Vio Bank CDs With Vio Bank , you can access CD terms of six months to 120 months and earn up to 4.30% APY. There's a $500 minimum to open an account, and interest is compounded daily. CD terms offered 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months, 84 months, 120 months Monthly fee None Early withdrawal penalty fee For CD term 7 to 31 days, penalty amount is all of the interest earned on the amount being withdrawn For CD term 32 days to 12 months, penalty amount is 1% of the amount withdrawn, plus a $25 fee For CD term greater than 12 months, penalty amount is 3% of the amount withdrawn, plus a $25 fee [ Return to summary ] Discover Bank CDs Discover Bank offers a wide range CD terms between three months to 120 months and you can earn up to 4.10% APY. CD terms offered 3 months, 6 months, 9 months, 12 months, 18 months, 24 months, 30 months, 36 months, 48 months, 60 months, 84 months, 120 months Monthly fee None Early withdrawal penalty fee For terms shorter than one year, the penalty is three months' simple interest. For terms of one year to less than four years, the penalty is six months' simple interest. For terms of four to five years, the penalty is nine months' simple interest. For terms of five to seven years, the penalty is 18 months' simple interest. For terms of seven to 10 years, the penalty is 24 months' simple interest. [ Return to summary ] What's a CD? The word CD stands for \"certificate of deposit\" — and is just that: a deposit account that earns interest. With a CD, you earn a fixed rate of interest for a fixed time period. CDs come with different terms, such as six months, one year or five years, and you can't touch your funds in your CD for the length of that specified term length unless you'll pay an early withdrawal penalty fee plus possibly lose out on accrued interest. How CDs work When you put your money in a CD, you earn a fixed interest rate for a specific amount of time on the money you deposit when you open an account. Term lengths typically range from three months to five years. While a CD is similar to a savings account, the traditional CD model differs in a couple of important ways: You can only deposit money into the CD once at the beginning of the term. You can't make additional contributions over the CD's term. Sometimes, there's a minimum deposit requirement (usually $500 and up). You can't access your money before your term ends or you'll get hit with an early withdrawal penalty. The penalty fees can vary depending on your bank and your CD's term length, but it's usually the interest earned or the interest you would have earned, over a certain number of days or months. Generally, the longer the CD term length, the costlier the withdrawal penalty. Once the CD matures (when the term is over), you can get your money back, in addition to the interest earned over time, or move the money into a new CD. CD terms usually auto-renew at the rate offered at maturity if you don't do anything. One of the reasons you might want to consider a CD over a high-yield savings account is because savings accounts have variable APYs , and with a CD you lock in the rate the day you open the account. This can be good if you open an account when interest rates are high. It's not so great if you open an account after the Federal Reserve slashes interest rates. CDs typically don't come with monthly fees and are federally insured so your money is protected, which makes them one of the safest savings vehicles. How to choose a CD When choosing a CD , first focus on how long you want to keep your money locked up. Pick a CD based on that length of time and the rate will follow. For example, if you want to save up for a down payment on a home in a few years, consider a longer-term CD like a three- or five-year option and then look at what banks offer rate-wise for those specific CD terms. Shorter CD terms, such as three to six-month CDs, are a good choice for beginners who want to save (and grow) their money for a short-term goal, such as a vacation. How to compare CDs When comparing CDs, make sure you're comparing the same term, like a one-year CD, to another one-year CD at a different bank. With CDs, the interest rate is important, as well as considering what the minimum deposit is and any early withdrawal penalties and fees. Are CD rates going up? CD rates went up as the Federal Reserve raised its benchmark rate to tamper with inflation. We saw this reflected in high-yield savings accounts' APYs, too. High-yield savings accounts' rates have dropped a bit since and are currently between 4% to around 5% APY . As the Fed cuts rates, CD rates go down as well. We've seen this play out a bit already. Pros and cons of CDs Some of the pros and cons of CDs are quite the same, and whether you see something as good or bad depends on other factors. We list what we think below. Pros of CDs Fixed interest rates (a good thing when rates are high) Can't touch CD funds until the term is up (a good thing so you're not tempted to spend) Different CD types allow you to have options, such as bump-up CDs (for raising your rate), no-penalty CDs (for easy withdrawals), add-on CDs (for making additional contributions), jumbo CDs (for large deposits) and IRA CDs (for retirement) Cons of CDs Fixed interest rates (a bad thing when rates are low or if rates go up while you're in the middle of a CD term) Can't touch CD funds until the term is up (a bad thing if you need that money) Early withdrawal penalty fees Can generally only deposit money into a CD once at the beginning of the term and can't make additional contributions At times there's a minimum deposit requirement, usually $500 and up Compare savings account offers What's a CD rate? A CD rate is expressed as APY or annual percentage yield. A CD's APY is the amount of interest that an account earns in a year. Unlike the rates you find with traditional and high-yield savings accounts, CD rates are fixed, meaning they stay the same for the life of the CD term. What's considered a good CD rate? What's considered a good CD rate depends on the length of the CD term. Currently, the highest rates seem to be for six-month, nine- or 10-month and one-year CDs, hovering at 5% APY or just below. Are there fees associated with CD rates? There typically aren't any fees, such as monthly maintenance fees, associated with CD rates. Some CDs, however, require a minimum deposit to open an account. Most CDs will also charge a penalty fee if you make an early withdrawal before your CD term is up. Which banks have the best CDs? The banks that have the best CDs are those that made this list. Here's a recap of the banks with the best CDs: Alliant Credit Union Ally Bank Barclays BMO Alto Bread Savings LendingClub Marcus by Goldman Sachs Popular Direct Quontic Bank Synchrony Bank Vio Bank Is a 10-year CD worth it? Whether or not a 10-year CD is worth it depends on your risk tolerance . A 10-year CD may be worth it for someone who wants a guaranteed return with zero risk and is willing to leave their funds untouched for 10 years. But it's worth considering where else your money could be better placed. The market (historically) averages a much higher 10-year return than you would find with any 10-year CD, but of course, you take on much more risk. Consider also the rate of inflation; over 10 years, inflation could outpace the fixed return you'd be earning with a 10-year CD. It may make more sense to put your money in a shorter-term CD, like a five-year CD, that likely offers a higher guaranteed APY than a 10-year CD and then reevaluate again in five years. Can you lose money on a CD? Because most banks offering CDs are FDIC-insured, you won't lose money up to the legal limit of $250,000 per account holder. You can, however, lose interest or have to pay a penalty fee if you withdraw your CD funds before your term is up. Are CDs safe? CDs are one of the safest savings vehicles as your money is federally insured. Are CDs a good investment? CDs are generally a good investment. Your money grows without the risk of your rate dropping (which can happen with a high-yield savings account), and you're guaranteed a return without worrying about stock market volatility . How much does a $10,000 CD make in a year? How much a $10,000 CD makes in one year depends on that one-year CD's APY. For example, a one-year CD with a 5.00% APY would equate to $500 in interest earnings after a year. Do you have to pay taxes on interest on CDs? Interest accrued on a CD is taxed as ordinary income. You must report the interest on your tax return for any account earning over $10 in one year. Why trust CNBC Select? At CNBC Select , our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every CD review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of banking and savings products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best CDs. Read more The best 3-month CD rates The best 6-month CD rates The best 1-year CD rates The best 3-year CD rates The best 5-year CD rates The best jumbo CD rates Best high-yield savings accounts Best money market account rates Our methodology To determine which certificates of deposit (CDs) offer the best return on your money, CNBC Select analyzed dozens of CD accounts offered by online and brick-and-mortar banks, including large credit unions. We found that the annual percentage yield (APY) offered by online banks and credit unions far outpaced those offered by most national brick-and-mortar banks. While many credit unions have good CD options, only those that make membership widely available were considered. When ranking the top CDs, we looked at APYs, term lengths, minimum deposit requirements, penalties for early withdrawals and ease of use. Ultimately, we favored accounts with above-average rates. All of the CDs included on this list are FDIC- or NCUA-insured up to $250,000 per person. If you are opening a joint account CD with a spouse, the insurance limit is doubled. The rates and fee structures banks advertise for their CD accounts are not guaranteed forever. They are subject to change without notice and they often fluctuate in accordance with the Fed rate. If you open a CD account, however, you're often locked into that APY offered at account opening for the entire term length. Your earnings depend on the CD term length, the amount you deposit, the APY offered when you opened the account and any associated fees. Generally, a larger deposit and a higher interest rate will earn you the most money. Any early withdrawals may result in penalty fees that lower your principal balance\u002Fearnings. To open a CD account for the first time at a bank, most banks and institutions require a deposit of new money, meaning you can't transfer money you already had in an account at that bank. Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date. Subscribe to the CNBC Select Newsletter! Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here . Want to earn more money at work? Take CNBC's new online course How to Negotiate a Higher Salary . Use code EARLYBIRD for 50% off through Nov. 26, 2024. Ally Bank is a Member FDIC.","contentClassification":[],"faqContent":{"tagName":"card-module","attributes":{"type":"question-answer","title":"FAQs"},"children":[{"question":"What's a CD rate?","answer":{"html":"\u003Cp\u003EA CD rate is expressed as APY or annual percentage yield. A CD's APY is the amount of interest that an account earns in a year. Unlike the rates you find with traditional and high-yield savings accounts, CD rates are fixed, meaning they stay the same for the life of the CD term.\u003C\u002Fp\u003E"}},{"question":"What's considered a good CD rate?","answer":{"html":"\u003Cp\u003EWhat's considered a good CD rate depends on the length of the CD term. Currently, the highest rates seem to be for six-month, nine- or 10-month and one-year CDs, hovering at 5% APY or just below.\u003C\u002Fp\u003E"}},{"question":"Are there fees associated with CD rates?","answer":{"html":"\u003Cp\u003EThere typically aren't any fees, such as monthly maintenance fees, associated with CD rates. Some CDs, however, require a minimum deposit to open an account. Most CDs will also charge a penalty fee if you make an early withdrawal before your CD term is up.\u003C\u002Fp\u003E"}},{"question":"Which banks have the best CDs?","answer":{"html":"\u003Cp\u003EThe banks that have the best CDs are those that made this list. Here's a recap of the banks with the best CDs:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fgd38697d4d9a\"\u003EAlliant Credit Union\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fr48bf0e3db6d\"\u003EAlly Bank\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fd777ac376b4c\"\u003EBarclays\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fo73e3d0da37c\"\u003EBMO Alto\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fd9eced9e9461\"\u003EBread Savings\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fl6f7cd210acb\"\u003ELendingClub\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fcf502fa93957\"\u003EMarcus by Goldman Sachs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Ft49f5b9b479f\"\u003EPopular Direct\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fb3c7cf2dead1\"\u003EQuontic Bank\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.bankrate.com\u002Flanding\u002Fselect\u002Fcds-spl-landing-page-synchrony\u002F?sub-id=PLACESUBIDHERE\"\u003ESynchrony Bank\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fica4d4678259\"\u003EVio Bank\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E"}},{"question":"Is a 10-year CD worth it?","answer":{"html":"\u003Cp\u003EWhether or not a 10-year CD is worth it depends on your \u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-figure-out-your-risk-tolerance-investing\u002F\"\u003Erisk tolerance\u003C\u002Fa\u003E. A 10-year CD may be worth it for someone who wants a guaranteed return with zero risk and is willing to leave their funds untouched for 10 years. But it's worth considering where else your money could be better placed.\u003C\u002Fp\u003E\u003Cp\u003EThe market (historically) averages a much higher 10-year return than you would find with any 10-year CD, but of course, you take on much more risk.\u003C\u002Fp\u003E\u003Cp\u003EConsider also the rate of inflation; over 10 years, inflation could outpace the fixed return you'd be earning with a 10-year CD. It may make more sense to put your money in a shorter-term CD, like a five-year CD, that likely offers a higher guaranteed APY than a 10-year CD and then reevaluate again in five years.\u003C\u002Fp\u003E"}},{"question":"Can you lose money on a CD?","answer":{"html":"\u003Cp\u003EBecause most banks offering CDs are FDIC-insured, you won't lose money up to the legal limit of $250,000 per account holder. You can, however, lose interest or have to pay a penalty fee if you withdraw your CD funds before your term is up.\u003C\u002Fp\u003E"}},{"question":"Are CDs safe?","answer":{"html":"\u003Cp\u003ECDs are one of the safest savings vehicles as your money is federally insured.\u003C\u002Fp\u003E"}},{"question":"Are CDs a good investment?","answer":{"html":"\u003Cp\u003ECDs are generally a good investment. Your money grows without the risk of your rate dropping (which can happen with a high-yield savings account), and you're guaranteed a return without worrying about \u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-think-about-investments-during-market-volatility\u002F\"\u003Estock market volatility\u003C\u002Fa\u003E.\u003C\u002Fp\u003E"}},{"question":"How much does a $10,000 CD make in a year?","answer":{"html":"\u003Cp\u003EHow much a $10,000 CD makes in one year depends on that one-year CD's APY. For example, a one-year CD with a 5.00% APY would equate to $500 in interest earnings after a year.\u003C\u002Fp\u003E"}},{"question":"Do you have to pay taxes on interest on CDs?","answer":{"html":"\u003Cp\u003EInterest accrued on a CD is taxed as ordinary income. You must report the interest on your tax return for any account earning over $10 in one year.\u003C\u002Fp\u003E"}}]},"premium":false,"section":{"id":106792909,"color":null,"__typename":"franchise"},"native":false,"creatorOverwrite":null,"sourceOrganization":[{"id":80000022,"url":"https:\u002F\u002Fwww.cnbc.com\u002Fsearch\u002F?query=CNBC%20US","name":"CNBC.com","logo":null,"creatorOverwrite":null,"linkHeadline":null,"__typename":"source"}],"body":{"content":[{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":[{"tagName":"em","children":["Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public."]}]},{"tagName":"p","children":[{"tagName":"a","attributes":{"id":"106752655","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fcertificate-of-deposit\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["CDs"]}," are a type of savings account where you earn a fixed rate of interest over a fixed period, also known as a CD term. You can't access your funds until the CD term ends. If you need more of an incentive not to touch your savings, a CD can be a smart move. At the end of the term, you receive your original deposit plus the accrued interest you earned."]},{"tagName":"p","children":["To determine the top CDs,",{"tagName":"a","attributes":{"id":"105806347","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F","type":"franchise","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":[" CNBC Select"]}," ranked those that offer above-average APYs and a range of CD terms; some banks even offer different CD types, like a CD where you can raise your APY or a CD where you can withdraw penalty-free. All banks on this list are ",{"tagName":"a","attributes":{"id":"106686251","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ffdic-insurance\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["FDIC- "]},"or NCUA-insured. (See ",{"tagName":"a","attributes":{"href":"#8Q3YsB67nkz","section":{},"premium":false,"contentClassification":[]},"children":["our methodology"]}," for more information on how we choose the best CD accounts.)"]},{"tagName":"blockquote","children":[{"tagName":"h2","children":["Best CD rates of December 2024"]},{"tagName":"ul","children":[{"tagName":"li","children":[{"tagName":"a","attributes":{"target":"_blank","rel":"no follow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fgd38697d4d9a"},"children":[{"tagName":"strong","children":["Alliant Credit Union"]}]},{"tagName":"strong","children":[":"]}," Earn up to 4.30% APY"]},{"tagName":"li","children":[{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fr48bf0e3db6d"},"children":[{"tagName":"strong","children":["Ally Bank®"]}]},{"tagName":"strong","children":[":"]}," Earn up to 4.30% APY"]},{"tagName":"li","children":[{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fd777ac376b4c"},"children":[{"tagName":"strong","children":["Barclays®"]}]},{"tagName":"strong","children":[":"]}," Earn up to 4.25% APY"]},{"tagName":"li","children":[{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fo73e3d0da37c"},"children":[{"tagName":"strong","children":["BMO Alto"]}]},{"tagName":"strong","children":[":"]}," Earn up to 4.50% APY"]},{"tagName":"li","children":[{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fd9eced9e9461"},"children":[{"tagName":"strong","children":["Bread Savings™"]}]},{"tagName":"strong","children":[":"]}," Earn up to 4.70% 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You can become a member for free by signing up as an Alliant Credit Union Foundation ",{"tagName":"a","attributes":{"href":"https:\u002F\u002Fwww.alliantcreditunionfoundation.org\u002Fbecome-a-digital-advocate","section":{},"premium":false,"contentClassification":[]},"children":["digital inclusion advocate"]}," and Alliant will make the one-time $5 contribution to the foundation on your behalf."]},{"tagName":"p","children":[{"tagName":"strong","children":["CD terms offered"]}]},{"tagName":"p","children":["3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months"]},{"tagName":"p","children":[{"tagName":"strong","children":["Monthly fee"]}]},{"tagName":"p","children":["None if you select eStatements"]},{"tagName":"p","children":[{"tagName":"strong","children":["Early withdrawal penalty fee"]}]},{"tagName":"ul","children":[{"tagName":"li","children":["For CD term of 17 months or less, penalty is number of days the certificate is open, up to 90 days"]},{"tagName":"li","children":["For CD term of 18 to 23 months, penalty is number of days the certificate is open, up to 120 days"]},{"tagName":"li","children":["For CD term of 24 to 48 or 60 months, penalty is number of days the certificate is open, up to 180 days"]},{"tagName":"li","children":["For during 7-day grace period for new certificates, penalty is 7 days (no dividends are earned), a penalty will be applied from the principal balance"]}]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#opb9Mtqhnp","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["Ally Bank CDs"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["internal-link"],"id":"NT6JOPm-ow"},"data":{"__typename":"asset"},"children":[],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":[{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fr48bf0e3db6d"},"children":["Ally Bank"]}," offers High Yield CDs, Raise Your Rate CDs (get a higher rate when rates increase), No Penalty CDs (withdraw penalty-free) and IRA CDs (save for retirement). 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Barclays compounds interest daily, and none of its CDs have a minimum deposit requirement."]},{"tagName":"p","children":["Barclays is a brick-and-mortar bank in the U.K. with online banking available across the U.S."]},{"tagName":"p","children":[{"tagName":"strong","children":["CD terms offered"]}]},{"tagName":"p","children":["3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months"]},{"tagName":"p","children":[{"tagName":"strong","children":["Monthly fee"]}]},{"tagName":"p","children":["None"]},{"tagName":"p","children":[{"tagName":"strong","children":["Early withdrawal penalty fee"]}]},{"tagName":"p","children":["A penalty may be charged for early withdrawal."]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#Dwl8p7cGI1","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["BMO Alto CDs"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["internal-link"],"id":"GEiEwbkRBd_"},"data":{"__typename":"asset"},"children":[],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["With",{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fo73e3d0da37c"},"children":[" BMO Alto"]},", you can access CD terms ranging from six months to 60 months, earning up to 4.50% APY. There's no minimum balance or minimum deposit requirement, and interest is paid monthly."]},{"tagName":"p","children":[{"tagName":"strong","children":["CD terms offered"]}]},{"tagName":"p","children":["6 months, 12 months, 24 months, 36 months, 48 months, 60 months"]},{"tagName":"p","children":[{"tagName":"strong","children":["Monthly fee"]}]},{"tagName":"p","children":["None"]},{"tagName":"p","children":[{"tagName":"strong","children":["Early withdrawal penalty fee"]}]},{"tagName":"p","children":["An early withdrawal of principal before maturity will cost an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required to pay the penalty:"]},{"tagName":"ul","children":[{"tagName":"li","children":["11 months or less: You'll be charged 90 days interest"]},{"tagName":"li","children":["12 months or more: You'll be charged 180 days interest"]}]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#mPIwtuW2m1","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["Bread Savings CDs"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["internal-link"],"id":"OFsZNItplVq"},"data":{"__typename":"asset"},"children":[],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":[{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fd9eced9e9461"},"children":["Bread Savings"]}," offers traditional CDs with term lengths ranging from one year to five years, and you can earn up to 4.70% APY. Whereas the other banks on this list have no minimums and no monthly fees, Bread Savings requires a $1,500 minimum opening deposit. There are no monthly maintenance fees."]},{"tagName":"p","children":["Bread Savings is an online-only bank and is a product of Comenity Capital Bank, which is part of Bread Financial. Customer service is available over the phone seven days a week, from 7 a.m. to 9 p.m. CT on weekdays and from 9 a.m. to 5 p.m. CT on weekends and most holidays."]},{"tagName":"p","children":[{"tagName":"strong","children":["CD terms offered"]}]},{"tagName":"p","children":["1 year, 2 years, 3 years, 4 years, 5 years"]},{"tagName":"p","children":[{"tagName":"strong","children":["Monthly fee"]}]},{"tagName":"p","children":["None"]},{"tagName":"p","children":[{"tagName":"strong","children":["Early withdrawal penalty fee"]}]},{"tagName":"ul","children":[{"tagName":"li","children":["For terms shorter than 1 year, the penalty is 90 days simple interest"]},{"tagName":"li","children":["For terms 12 months to 3 years, the penalty is 180 days simple interest"]},{"tagName":"li","children":["For terms 4 years and up, the penalty is 365 days simple interest"]}]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#iQ8ohcVk0N","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["LendingClub CDs"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["internal-link"],"id":"cKhtMEQuc28"},"data":{"__typename":"asset"},"children":[],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":[{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fl6f7cd210acb"},"children":["LendingClub"]}," offers CD terms ranging from six months to five years and you can earn up to 4.00% APY. There's a $2,500 minimum required to open a CD account and you can deposit up to $250,000."]},{"tagName":"p","children":[{"tagName":"strong","children":["CD terms offered"]}]},{"tagName":"p","children":["6 months, 12 months, 18 months, 24 months, 36 months, 60 months"]},{"tagName":"p","children":[{"tagName":"strong","children":["Monthly fee"]}]},{"tagName":"p","children":["None"]},{"tagName":"p","children":[{"tagName":"strong","children":["Early withdrawal penalty fee"]}]},{"tagName":"ul","children":[{"tagName":"li","children":["For terms 1 year or less, the penalty is 90 days simple interest"]},{"tagName":"li","children":["For terms greater than 1 year, the penalty is 180 days simple interest"]}]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#VxfZ-GuDt4","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["Marcus by Goldman Sachs CDs"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["internal-link"],"id":"1Sb1g5YK_U9"},"data":{"__typename":"asset"},"children":[],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":[{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fcf502fa93957"},"children":["Marcus by Goldman Sachs"]}," offers High-Yield CDs, Rate Bump CDs (get a higher rate) and No-Penalty CDs (withdraw penalty-free). CD term lengths range from six months to six years, and you can earn up to 4.20% APY. Marcus by Goldman Sachs has a $500 minimum deposit requirement, but there are no monthly maintenance fees."]},{"tagName":"p","children":["Marcus is an online-only division of Goldman Sachs. The bank's U.S.-based contact center is open 24\u002F7 for live customer support over the phone or through online chat."]},{"tagName":"p","children":[{"tagName":"strong","children":["CD terms offered"]}]},{"tagName":"p","children":["6 months, 9 months, 12 months, 18 months, 2 years, 3 years, 4 years, 5 years, 6 years"]},{"tagName":"p","children":[{"tagName":"strong","children":["Monthly fee"]}]},{"tagName":"p","children":["None"]},{"tagName":"p","children":[{"tagName":"strong","children":["Early withdrawal penalty fee"]}]},{"tagName":"p","children":["If you withdraw the balance of the entire principal amount from your CD account before maturity, you'll be charged an early withdrawal penalty based on the term of your CD and the principal (except in the case of a No-Penalty CD). Here's how early withdrawal penalties are calculated:"]},{"tagName":"ul","children":[{"tagName":"li","children":["Less than 1 year: 90 days interest on the original principal balance at the interest rate in effect for the CD"]},{"tagName":"li","children":["1 year to 5 years: 180 days interest on the original principal balance at the interest rate in effect for the CD"]},{"tagName":"li","children":["More than 5 years: 270 days interest on the original principal balance at the interest rate in effect for the CD"]}]},{"tagName":"p","children":["Early Withdrawal Penalty = Interest Rate ÷ 365 (or 366) × Penalty Days × Original Principal Balance"]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#oDhwR_0aR9","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["Popular Direct CDs"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["internal-link"],"id":"_66Ce-CPxMi"},"data":{"__typename":"asset"},"children":[],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":[{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Ft49f5b9b479f"},"children":["Popular Direct"]}," has CD terms of three months to 60 months, offering up to 4.40% APY. There's a $10,000 minimum deposit requirement to open a CD account."]},{"tagName":"p","children":[{"tagName":"strong","children":["CD terms offered"]}]},{"tagName":"p","children":["3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months"]},{"tagName":"p","children":[{"tagName":"strong","children":["Monthly fee"]}]},{"tagName":"p","children":["None"]},{"tagName":"p","children":[{"tagName":"strong","children":["Early withdrawal penalty fee"]}]},{"tagName":"ul","children":[{"tagName":"li","children":["For terms less than 91 days: The fee is 89 days simple interest"]},{"tagName":"li","children":["For terms equal to or greater than 91 days but less than 12 months: The fee is 120 days simple interest"]},{"tagName":"li","children":["For terms equal to or greater than 12 months but less than 36 months: The fee is 270 days simple interest"]},{"tagName":"li","children":["For terms equal to or greater than 36 months but less than 60 months: The fee is 365 days simple interest"]},{"tagName":"li","children":["For terms equal to or greater than 60 months: The fee is 730 days simple interest"]}]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#rTDVbeMDYF","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["Quontic Bank CDs"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["internal-link"],"id":"ekDVDwsDuel"},"data":{"__typename":"asset"},"children":[],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":[{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fb3c7cf2dead1"},"children":["Quontic Bank"]}," offers traditional CDs with term lengths ranging from six months to five years, and you can earn up to 4.95% APY. Its CDs have a $500 minimum deposit requirement and no monthly maintenance fees."]},{"tagName":"p","children":["Quontic is an online-only bank and a ",{"tagName":"a","attributes":{"href":"https:\u002F\u002Fwww.quontic.com\u002Fcdfi-fund\u002F","section":{},"premium":false,"contentClassification":[]},"children":["Community Development Financial Institution (CDFI)"]},", which supports economically disadvantaged communities nationwide."]},{"tagName":"p","children":[{"tagName":"strong","children":["CD terms offered"]}]},{"tagName":"p","children":["3 months, 6 months, 24 months, 36 months, 60 months"]},{"tagName":"p","children":[{"tagName":"strong","children":["Monthly fee"]}]},{"tagName":"p","children":["None"]},{"tagName":"p","children":[{"tagName":"strong","children":["Early withdrawal penalty fee"]}]},{"tagName":"p","children":["Withdrawals before the maturity date are subject to penalties."]},{"tagName":"ul","children":[{"tagName":"li","children":["For time deposits up to 12 months, the penalty will be equal to the interest for the full length of the stated term"]},{"tagName":"li","children":["For time deposits 12 months to under 24 months, the penalty equals one year interest"]},{"tagName":"li","children":["For time deposits 24 months and over, the penalty equals two years interest."]},{"tagName":"li","children":["If the accrued interest exceeds the penalty amount, the excess accrued interest over the penalty amount will be paid to you."]},{"tagName":"li","children":["If the accrued interest is less than the penalty amount, a reduction of the principal balance may result."]}]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#5QumgixrTF","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["Synchrony Bank CDs"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["internal-link"],"id":"y9TZs4GbJFx"},"data":{"__typename":"asset"},"children":[],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":[{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fwww.bankrate.com\u002Flanding\u002Fselect\u002Fcds-spl-landing-page-synchrony\u002F?sub-id=PLACESUBIDHERE"},"children":["Synchrony Bank"]}," offers traditional CDs, a Bump-Up CD (get a higher rate), a No-Penalty CD (withdraw penalty-free) and an IRA CD (save for retirement). CD term lengths range from three months to 60 months, and you can earn up to 4.20% APY."]},{"tagName":"p","children":["Synchrony is an online-only bank so there are no physical branch locations. However, all deposit accounts are ",{"tagName":"a","attributes":{"id":"106686251","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ffdic-insurance\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["FDIC-insured"]}," and its customer service line is available seven days a week by phone or online chat, as well as 24\u002F7 through its app. In addition to CDs, Synchrony Bank offers high-yield savings and ",{"tagName":"a","attributes":{"id":"106819426","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fsynchrony-bank-money-market-account-review\u002F","type":"cnbcnewsstory","brand":"select","section":{},"premium":false,"contentClassification":[]},"children":["money market"]}," accounts, as well as ",{"tagName":"a","attributes":{"id":"106111855","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fbest-credit-cards\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["credit cards"]},"."]},{"tagName":"p","children":[{"tagName":"strong","children":["CD terms offered"]}]},{"tagName":"p","children":["3 months, 6 months, 9 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months"]},{"tagName":"p","children":[{"tagName":"strong","children":["Monthly fee"]}]},{"tagName":"p","children":["None"]},{"tagName":"p","children":[{"tagName":"strong","children":["Early withdrawal penalty fee"]}]},{"tagName":"p","children":["There may be an early withdrawal penalty if you withdraw funds from the principal prior to the CD maturity date (the last day of the CD term). The penalty is applied to the amount of principal withdrawn (there's no penalty on interest). For the No-Penalty CD, early withdrawals are not permitted within the first 6 days after account funding. Following that, only withdrawal of the entire balance is allowed."]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#U6RfVnH-80","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["Vio Bank CDs"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["internal-link"],"id":"yBQCMMWmkNS"},"data":{"__typename":"asset"},"children":[],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["With",{"tagName":"a","attributes":{"target":"_blank","rel":"nofollow","href":"https:\u002F\u002Fsecure.money.com\u002Fpr\u002Fica4d4678259"},"children":[" Vio Bank"]},", you can access CD terms of six months to 120 months and earn up to 4.30% APY. There's a $500 minimum to open an account, and interest is compounded daily."]},{"tagName":"p","children":[{"tagName":"strong","children":["CD terms offered"]}]},{"tagName":"p","children":["6 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months, 84 months, 120 months"]},{"tagName":"p","children":[{"tagName":"strong","children":["Monthly fee"]}]},{"tagName":"p","children":["None"]},{"tagName":"p","children":[{"tagName":"strong","children":["Early withdrawal penalty fee"]}]},{"tagName":"ul","children":[{"tagName":"li","children":["For CD term 7 to 31 days, penalty amount is all of the interest earned on the amount being withdrawn"]},{"tagName":"li","children":["For CD term 32 days to 12 months, penalty amount is 1% of the amount withdrawn, plus a $25 fee"]},{"tagName":"li","children":["For CD term greater than 12 months, penalty amount is 3% of the amount withdrawn, plus a $25 fee"]}]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#t9hxJ-gu5T","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["Discover Bank CDs"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["internal-link"],"id":"2s9KG2jbFyw"},"data":{"__typename":"asset"},"children":[],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["Discover Bank offers a wide range CD terms between three months to 120 months and you can earn up to 4.10% APY."]},{"tagName":"p","children":[{"tagName":"strong","children":["CD terms offered"]}]},{"tagName":"p","children":["3 months, 6 months, 9 months, 12 months, 18 months, 24 months, 30 months, 36 months, 48 months, 60 months, 84 months, 120 months"]},{"tagName":"p","children":[{"tagName":"strong","children":["Monthly fee"]}]},{"tagName":"p","children":["None"]},{"tagName":"p","children":[{"tagName":"strong","children":["Early withdrawal penalty fee"]}]},{"tagName":"ul","children":[{"tagName":"li","children":["For terms shorter than one year, the penalty is three months' simple interest."]},{"tagName":"li","children":["For terms of one year to less than four years, the penalty is six months' simple interest."]},{"tagName":"li","children":["For terms of four to five years, the penalty is nine months' simple interest."]},{"tagName":"li","children":["For terms of five to seven years, the penalty is 18 months' simple interest."]},{"tagName":"li","children":["For terms of seven to 10 years, the penalty is 24 months' simple interest."]}]},{"tagName":"p","children":[{"tagName":"a","attributes":{"href":"#y8ILnxIQWN","section":{},"premium":false,"contentClassification":[]},"children":[{"tagName":"strong","children":["[ Return to summary ]"]}]}]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["What's a CD?"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["The word CD stands for \"certificate of deposit\" — and is just that: a deposit account that earns interest. With a CD, you earn a fixed rate of interest for a fixed time period. CDs come with different terms, such as six months, one year or five years, and you can't touch your funds in your CD for the length of that specified term length unless you'll pay an early withdrawal penalty fee plus possibly lose out on accrued interest."]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["How CDs work"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["When you put your money in a CD, you earn a fixed interest rate for a specific amount of time on the money you deposit when you open an account. Term lengths typically range from three months to five years."]},{"tagName":"p","children":["While a CD is similar to a savings account, the traditional CD model differs in a couple of important ways:"]},{"tagName":"ol","children":[{"tagName":"li","children":["You can only deposit money into the CD once at the beginning of the term. You can't make additional contributions over the CD's term. Sometimes, there's a minimum deposit requirement (usually $500 and up)."]},{"tagName":"li","children":["You can't access your money before your term ends or you'll get hit with an early withdrawal penalty. The penalty fees can vary depending on your bank and your CD's term length, but it's usually the interest earned or the interest you would have earned, over a certain number of days or months. Generally, the longer the CD term length, the costlier the withdrawal penalty."]}]},{"tagName":"p","children":["Once the ",{"tagName":"a","attributes":{"id":"106801561","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-to-do-when-cd-matures\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["CD matures"]}," (when the term is over), you can get your money back, in addition to the interest earned over time, or move the money into a new CD. CD terms usually auto-renew at the rate offered at maturity if you don't do anything."]},{"tagName":"p","children":["One of the reasons you might want to consider a CD over a ",{"tagName":"a","attributes":{"id":"106587504","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhigh-yield-savings-account\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["high-yield savings account"]}," is because savings accounts have ",{"tagName":"a","attributes":{"id":"106547426","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhy-high-yield-savings-account-interest-rates-fluctuate\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["variable APYs"]},", and with a CD you lock in the rate the day you open the account. This can be good if you open an account when interest rates are high. It's not so great if you open an account after the Federal Reserve slashes interest rates."]},{"tagName":"p","children":["CDs typically don't come with monthly fees and are federally insured so your money is protected, which makes them one of the safest savings vehicles."]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["How to choose a CD"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["When ",{"tagName":"a","attributes":{"id":"106802328","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fhow-to-choose-certificate-of-deposit\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["choosing a CD"]},", first focus on how long you want to keep your money locked up. Pick a CD based on that length of time and the rate will follow. For example, if you want to save up for a ",{"tagName":"a","attributes":{"id":"107085735","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-is-a-down-payment-on-a-home-and-how-much-is-required\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["down payment"]}," on a home in a few years, consider a longer-term CD like a three- or five-year option and then look at what banks offer rate-wise for those specific CD terms. Shorter CD terms, such as three to six-month CDs, are a good choice for beginners who want to save (and grow) their money for a short-term goal, such as a vacation."]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["How to compare CDs"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["When comparing CDs, make sure you're comparing the same term, like a one-year CD, to another one-year CD at a different bank. With CDs, the interest rate is important, as well as considering what the minimum deposit is and any early withdrawal penalties and fees."]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["Are CD rates going up?"],"__typename":"bodyContent"},{"tagName":"div","attributes":{"className":["group"]},"data":{"__typename":"asset"},"children":[{"tagName":"p","children":["CD rates went up as the Federal Reserve raised its benchmark rate to tamper with inflation. We saw this reflected in high-yield savings accounts' APYs, too. High-yield savings accounts' rates have dropped a bit since and are currently between 4% to",{"tagName":"a","attributes":{"id":"107208488","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F5-percent-interest-savings-accounts\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":[" "]},"around",{"tagName":"a","attributes":{"id":"107208488","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002F5-percent-interest-savings-accounts\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":[" 5% APY"]},". As the Fed cuts rates, CD rates go down as well. We've seen this play out a bit already."]}],"__typename":"bodyContent"},{"tagName":"card-module","attributes":{"type":"info"},"data":{"__typename":"asset"},"children":[{"tagName":"h2","children":["Pros and cons of CDs"]},{"tagName":"p","children":["Some of the pros and cons of CDs are quite the same, and whether you see something as good or bad depends on other factors. We list what we think below."]},{"tagName":"p","children":[{"tagName":"strong","children":["Pros of CDs"]}]},{"tagName":"ul","children":[{"tagName":"li","children":["Fixed interest rates (a good thing when rates are high)"]},{"tagName":"li","children":["Can't touch CD funds until the term is up (a good thing so you're not tempted to spend)"]},{"tagName":"li","children":["Different ",{"tagName":"a","attributes":{"id":"106784415","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Ftypes-of-certificates-of-deposits-cds\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["CD types"]}," allow you to have options, such as ",{"tagName":"a","attributes":{"id":"107178122","href":"https:\u002F\u002Fwww.cnbc.com\u002Fselect\u002Fwhat-are-bump-up-cds\u002F","type":"cnbcnewsstory","brand":"select","section":{"subType":"section"},"premium":false,"contentClassification":[]},"children":["bump-up CDs"]}," (for raising your rate), no-penalty CDs (for easy withdrawals), add-on CDs (for making additional contributions), jumbo CDs (for large deposits) and IRA CDs (for retirement)"]}]},{"tagName":"p","children":[{"tagName":"strong","children":["Cons of CDs"]}]},{"tagName":"ul","children":[{"tagName":"li","children":["Fixed interest rates (a bad thing when rates are low or if rates go up while you're in the middle of a CD term)"]},{"tagName":"li","children":["Can't touch CD funds until the term is up (a bad thing if you need that money)"]},{"tagName":"li","children":["Early withdrawal penalty fees"]},{"tagName":"li","children":["Can generally only deposit money into a CD once at the beginning of the term and can't make additional contributions"]},{"tagName":"li","children":["At times there's a minimum deposit requirement, usually $500 and up"]}]}],"__typename":"bodyContent"},{"tagName":"subtitle","attributes":{},"data":{"__typename":"asset"},"children":["Compare savings account 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You can, however, lose interest or have to pay a penalty fee if you withdraw your CD funds before your term is up."]},{"tagName":"h2","children":["Are CDs safe?"]},{"tagName":"p","children":["CDs are one of the safest savings vehicles as your money is federally insured."]},{"tagName":"h2","children":["Are CDs a good investment?"]},{"tagName":"p","children":["CDs are generally a good investment. 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