CINXE.COM
Best 5-Year CD Rates for February 2025 | Bankrate
<!doctype html> <html class="no-js" lang="en"> <head> <meta charset="utf-8"> <meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1"> <meta name="viewport" content="width=device-width,initial-scale=1"> <script type="text/javascript"> ;window.NREUM||(NREUM={});NREUM.init={distributed_tracing:{enabled:true},privacy:{cookies_enabled:true},ajax:{deny_list:["bam.nr-data.net"]}}; ;NREUM.loader_config={accountID:"1725332",trustKey:"78034",agentID:"1815985012",licenseKey:"NRBR-b3e38650ca84c1eb454",applicationID:"1790023492"}; ;NREUM.info={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net",licenseKey:"NRBR-b3e38650ca84c1eb454",applicationID:"1790023492",sa:1}; ;/*! For license information please see nr-loader-spa-1.260.0.min.js.LICENSE.txt */ (()=>{var e,t,r={234:(e,t,r)=>{"use strict";r.d(t,{P_:()=>m,Mt:()=>b,C5:()=>s,DL:()=>w,OP:()=>O,lF:()=>D,Yu:()=>_,Dg:()=>v,CX:()=>c,GE:()=>E,sU:()=>I});var n=r(8632),i=r(9567);const o={beacon:n.ce.beacon,errorBeacon:n.ce.errorBeacon,licenseKey:void 0,applicationID:void 0,sa:void 0,queueTime:void 0,applicationTime:void 0,ttGuid:void 0,user:void 0,account:void 0,product:void 0,extra:void 0,jsAttributes:{},userAttributes:void 0,atts:void 0,transactionName:void 0,tNamePlain:void 0},a={};function s(e){if(!e)throw new Error("All info objects require an agent identifier!");if(!a[e])throw new Error("Info for ".concat(e," was never set"));return a[e]}function c(e,t){if(!e)throw new Error("All info objects require an agent identifier!");a[e]=(0,i.D)(t,o);const r=(0,n.ek)(e);r&&(r.info=a[e])}const u=e=>{if(!e||"string"!=typeof e)return!1;try{document.createDocumentFragment().querySelector(e)}catch{return!1}return!0};var d=r(7056),l=r(50);const f="[data-nr-mask]",h=()=>{const e={mask_selector:"*",block_selector:"[data-nr-block]",mask_input_options:{color:!1,date:!1,"datetime-local":!1,email:!1,month:!1,number:!1,range:!1,search:!1,tel:!1,text:!1,time:!1,url:!1,week:!1,textarea:!1,select:!1,password:!0}};return{feature_flags:[],proxy:{assets:void 0,beacon:void 0},privacy:{cookies_enabled:!0},ajax:{deny_list:void 0,block_internal:!0,enabled:!0,harvestTimeSeconds:10,autoStart:!0},distributed_tracing:{enabled:void 0,exclude_newrelic_header:void 0,cors_use_newrelic_header:void 0,cors_use_tracecontext_headers:void 0,allowed_origins:void 0},session:{expiresMs:d.oD,inactiveMs:d.Hb},ssl:void 0,obfuscate:void 0,jserrors:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},metrics:{enabled:!0,autoStart:!0},page_action:{enabled:!0,harvestTimeSeconds:30,autoStart:!0},page_view_event:{enabled:!0,autoStart:!0},page_view_timing:{enabled:!0,harvestTimeSeconds:30,long_task:!1,autoStart:!0},session_trace:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},harvest:{tooManyRequestsDelay:60},session_replay:{autoStart:!0,enabled:!1,harvestTimeSeconds:60,preload:!1,sampling_rate:10,error_sampling_rate:100,collect_fonts:!1,inline_images:!1,inline_stylesheet:!0,mask_all_inputs:!0,get mask_text_selector(){return e.mask_selector},set mask_text_selector(t){u(t)?e.mask_selector="".concat(t,",").concat(f):""===t||null===t?e.mask_selector=f:(0,l.Z)("An invalid session_replay.mask_selector was provided. '*' will be used.",t)},get block_class(){return"nr-block"},get ignore_class(){return"nr-ignore"},get mask_text_class(){return"nr-mask"},get block_selector(){return e.block_selector},set block_selector(t){u(t)?e.block_selector+=",".concat(t):""!==t&&(0,l.Z)("An invalid session_replay.block_selector was provided and will not be used",t)},get mask_input_options(){return e.mask_input_options},set mask_input_options(t){t&&"object"==typeof t?e.mask_input_options={...t,password:!0}:(0,l.Z)("An invalid session_replay.mask_input_option was provided and will not be used",t)}},spa:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},soft_navigations:{enabled:!0,harvestTimeSeconds:10,autoStart:!0}}},p={},g="All configuration objects require an agent identifier!";function m(e){if(!e)throw new Error(g);if(!p[e])throw new Error("Configuration for ".concat(e," was never set"));return p[e]}function v(e,t){if(!e)throw new Error(g);p[e]=(0,i.D)(t,h());const r=(0,n.ek)(e);r&&(r.init=p[e])}function b(e,t){if(!e)throw new Error(g);var r=m(e);if(r){for(var n=t.split("."),i=0;i<n.length-1;i++)if("object"!=typeof(r=r[n[i]]))return;r=r[n[n.length-1]]}return r}const y={accountID:void 0,trustKey:void 0,agentID:void 0,licenseKey:void 0,applicationID:void 0,xpid:void 0},A={};function w(e){if(!e)throw new Error("All loader-config objects require an agent identifier!");if(!A[e])throw new Error("LoaderConfig for ".concat(e," was never set"));return A[e]}function E(e,t){if(!e)throw new Error("All loader-config objects require an agent identifier!");A[e]=(0,i.D)(t,y);const r=(0,n.ek)(e);r&&(r.loader_config=A[e])}const _=(0,n.mF)().o;var x=r(385),R=r(6818);const S={buildEnv:R.Re,distMethod:R.gF,version:R.q4,originTime:x.sK},T={customTransaction:void 0,disabled:!1,isolatedBacklog:!1,loaderType:void 0,maxBytes:3e4,onerror:void 0,origin:""+x._A.location,ptid:void 0,releaseIds:{},appMetadata:{},session:void 0,denyList:void 0,harvestCount:0,timeKeeper:void 0},N={};function O(e){if(!e)throw new Error("All runtime objects require an agent identifier!");if(!N[e])throw new Error("Runtime for ".concat(e," was never set"));return N[e]}function I(e,t){if(!e)throw new Error("All runtime objects require an agent identifier!");N[e]={...(0,i.D)(t,T),...S};const r=(0,n.ek)(e);r&&(r.runtime=N[e])}function D(e){return function(e){try{const t=s(e);return!!t.licenseKey&&!!t.errorBeacon&&!!t.applicationID}catch(e){return!1}}(e)}},9567:(e,t,r)=>{"use strict";r.d(t,{D:()=>i});var n=r(50);function i(e,t){try{if(!e||"object"!=typeof e)return(0,n.Z)("Setting a Configurable requires an object as input");if(!t||"object"!=typeof t)return(0,n.Z)("Setting a Configurable requires a model to set its initial properties");const r=Object.create(Object.getPrototypeOf(t),Object.getOwnPropertyDescriptors(t)),o=0===Object.keys(r).length?e:r;for(let a in o)if(void 0!==e[a])try{if(null===e[a]){r[a]=null;continue}Array.isArray(e[a])&&Array.isArray(t[a])?r[a]=Array.from(new Set([...e[a],...t[a]])):"object"==typeof e[a]&&"object"==typeof t[a]?r[a]=i(e[a],t[a]):r[a]=e[a]}catch(e){(0,n.Z)("An error occurred while setting a property of a Configurable",e)}return r}catch(e){(0,n.Z)("An error occured while setting a Configurable",e)}}},6818:(e,t,r)=>{"use strict";r.d(t,{Re:()=>i,gF:()=>o,lF:()=>a,q4:()=>n});const n="1.260.0",i="PROD",o="CDN",a="2.0.0-alpha.12"},385:(e,t,r)=>{"use strict";r.d(t,{FN:()=>c,IF:()=>l,LW:()=>a,Nk:()=>h,Tt:()=>u,_A:()=>o,iS:()=>s,il:()=>n,sK:()=>p,ux:()=>d,v6:()=>i,w1:()=>f});const n="undefined"!=typeof window&&!!window.document,i="undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self.navigator instanceof WorkerNavigator||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis.navigator instanceof WorkerNavigator),o=n?window:"undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis),a="complete"===o?.document?.readyState,s=Boolean("hidden"===o?.document?.visibilityState),c=""+o?.location,u=/iPad|iPhone|iPod/.test(o.navigator?.userAgent),d=u&&"undefined"==typeof SharedWorker,l=(()=>{const e=o.navigator?.userAgent?.match(/Firefox[/\s](\d+\.\d+)/);return Array.isArray(e)&&e.length>=2?+e[1]:0})(),f=Boolean(n&&window.document.documentMode),h=!!o.navigator?.sendBeacon,p=Math.floor(Date.now()-performance.now())},1117:(e,t,r)=>{"use strict";r.d(t,{w:()=>o});var n=r(50);const i={agentIdentifier:"",ee:void 0};class o{constructor(e){try{if("object"!=typeof e)return(0,n.Z)("shared context requires an object as input");this.sharedContext={},Object.assign(this.sharedContext,i),Object.entries(e).forEach((e=>{let[t,r]=e;Object.keys(i).includes(t)&&(this.sharedContext[t]=r)}))}catch(e){(0,n.Z)("An error occurred while setting SharedContext",e)}}}},1199:(e,t,r)=>{"use strict";r.d(t,{R2:()=>a,zR:()=>i,zh:()=>o});var n=[];function i(e){if(o(e))return!1;if(0===n.length)return!0;for(var t=0;t<n.length;t++){var r=n[t];if("*"===r.hostname)return!1;if(s(r.hostname,e.hostname)&&c(r.pathname,e.pathname))return!1}return!0}function o(e){return void 0===e.hostname}function a(e){if(n=[],e&&e.length)for(var t=0;t<e.length;t++){let r=e[t];if(!r)continue;0===r.indexOf("http://")?r=r.substring(7):0===r.indexOf("https://")&&(r=r.substring(8));const i=r.indexOf("/");let o,a;i>0?(o=r.substring(0,i),a=r.substring(i)):(o=r,a="");let[s]=o.split(":");n.push({hostname:s,pathname:a})}}function s(e,t){return!(e.length>t.length)&&t.indexOf(e)===t.length-e.length}function c(e,t){return 0===e.indexOf("/")&&(e=e.substring(1)),0===t.indexOf("/")&&(t=t.substring(1)),""===e||e===t}},8e3:(e,t,r)=>{"use strict";r.d(t,{LP:()=>l,RP:()=>c,o5:()=>u});var n=r(8325),i=r(1284),o=r(4322),a=r(3325);const s={};function c(e,t){const r={staged:!1,priority:a.p[t]||0};d(e),s[e].get(t)||s[e].set(t,r)}function u(e,t){d(e),s[e].get(t)&&s[e].delete(t),s[e].size&&f(e)}function d(e){if(!e)throw new Error("agentIdentifier required");s[e]||(s[e]=new Map)}function l(){let e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:"",t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:"feature",r=arguments.length>2&&void 0!==arguments[2]&&arguments[2];if(d(e),!e||!s[e].get(t)||r)return h(e,t);s[e].get(t).staged=!0,f(e)}function f(e){const t=Array.from(s[e]);t.every((e=>{let[t,r]=e;return r.staged}))&&(t.sort(((e,t)=>e[1].priority-t[1].priority)),t.forEach((t=>{let[r]=t;s[e].delete(r),h(e,r)})))}function h(e,t){const r=e?n.ee.get(e):n.ee,a=o.X.handlers;if(r.backlog&&a){var s=r.backlog[t],c=a[t];if(c){for(var u=0;s&&u<s.length;++u)p(s[u],c);(0,i.D)(c,(function(e,t){(0,i.D)(t,(function(t,r){r[0].on(e,r[1])}))}))}r.isolatedBacklog||delete a[t],r.backlog[t]=null,r.emit("drain-"+t,[])}}function p(e,t){var r=e[1];(0,i.D)(t[r],(function(t,r){var n=e[0];if(r[0]===n){var i=r[1],o=e[3],a=e[2];i.apply(o,a)}}))}},8325:(e,t,r)=>{"use strict";r.d(t,{A:()=>c,ee:()=>u});var n=r(8632),i=r(2210),o=r(234);class a{constructor(e){this.contextId=e}}var s=r(3117);const c="nr@context:".concat(s.a),u=function e(t,r){var n={},s={},d={},l=!1;try{l=16===r.length&&(0,o.OP)(r).isolatedBacklog}catch(e){}var f={on:p,addEventListener:p,removeEventListener:function(e,t){var r=n[e];if(!r)return;for(var i=0;i<r.length;i++)r[i]===t&&r.splice(i,1)},emit:function(e,r,n,i,o){!1!==o&&(o=!0);if(u.aborted&&!i)return;t&&o&&t.emit(e,r,n);for(var a=h(n),c=g(e),d=c.length,l=0;l<d;l++)c[l].apply(a,r);var p=v()[s[e]];p&&p.push([f,e,r,a]);return a},get:m,listeners:g,context:h,buffer:function(e,t){const r=v();if(t=t||"feature",f.aborted)return;Object.entries(e||{}).forEach((e=>{let[n,i]=e;s[i]=t,t in r||(r[t]=[])}))},abort:function(){f._aborted=!0,Object.keys(f.backlog).forEach((e=>{delete f.backlog[e]}))},isBuffering:function(e){return!!v()[s[e]]},debugId:r,backlog:l?{}:t&&"object"==typeof t.backlog?t.backlog:{},isolatedBacklog:l};return Object.defineProperty(f,"aborted",{get:()=>{let e=f._aborted||!1;return e||(t&&(e=t.aborted),e)}}),f;function h(e){return e&&e instanceof a?e:e?(0,i.X)(e,c,(()=>new a(c))):new a(c)}function p(e,t){n[e]=g(e).concat(t)}function g(e){return n[e]||[]}function m(t){return d[t]=d[t]||e(f,t)}function v(){return f.backlog}}(void 0,"globalEE"),d=(0,n.fP)();d.ee||(d.ee=u)},5546:(e,t,r)=>{"use strict";r.d(t,{E:()=>n,p:()=>i});var n=r(8325).ee.get("handle");function i(e,t,r,i,o){o?(o.buffer([e],i),o.emit(e,t,r)):(n.buffer([e],i),n.emit(e,t,r))}},4322:(e,t,r)=>{"use strict";r.d(t,{X:()=>o});var n=r(5546);o.on=a;var i=o.handlers={};function o(e,t,r,o){a(o||n.E,i,e,t,r)}function a(e,t,r,i,o){o||(o="feature"),e||(e=n.E);var a=t[o]=t[o]||{};(a[r]=a[r]||[]).push([e,i])}},3239:(e,t,r)=>{"use strict";r.d(t,{bP:()=>s,iz:()=>c,m$:()=>a});var n=r(385);let i=!1,o=!1;try{const e={get passive(){return i=!0,!1},get signal(){return o=!0,!1}};n._A.addEventListener("test",null,e),n._A.removeEventListener("test",null,e)}catch(e){}function a(e,t){return i||o?{capture:!!e,passive:i,signal:t}:!!e}function s(e,t){let r=arguments.length>2&&void 0!==arguments[2]&&arguments[2],n=arguments.length>3?arguments[3]:void 0;window.addEventListener(e,t,a(r,n))}function c(e,t){let r=arguments.length>2&&void 0!==arguments[2]&&arguments[2],n=arguments.length>3?arguments[3]:void 0;document.addEventListener(e,t,a(r,n))}},3117:(e,t,r)=>{"use strict";r.d(t,{a:()=>n});const n=(0,r(4402).Rl)()},4402:(e,t,r)=>{"use strict";r.d(t,{Ht:()=>u,M:()=>c,Rl:()=>a,ky:()=>s});var n=r(385);const i="xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx";function o(e,t){return e?15&e[t]:16*Math.random()|0}function a(){const e=n._A?.crypto||n._A?.msCrypto;let t,r=0;return e&&e.getRandomValues&&(t=e.getRandomValues(new Uint8Array(30))),i.split("").map((e=>"x"===e?o(t,r++).toString(16):"y"===e?(3&o()|8).toString(16):e)).join("")}function s(e){const t=n._A?.crypto||n._A?.msCrypto;let r,i=0;t&&t.getRandomValues&&(r=t.getRandomValues(new Uint8Array(e)));const a=[];for(var s=0;s<e;s++)a.push(o(r,i++).toString(16));return a.join("")}function c(){return s(16)}function u(){return s(32)}},7056:(e,t,r)=>{"use strict";r.d(t,{Bq:()=>n,Hb:()=>a,IK:()=>u,K4:()=>i,oD:()=>o,uT:()=>c,wO:()=>s});const n="NRBA",i="SESSION",o=144e5,a=18e5,s={STARTED:"session-started",PAUSE:"session-pause",RESET:"session-reset",RESUME:"session-resume",UPDATE:"session-update"},c={SAME_TAB:"same-tab",CROSS_TAB:"cross-tab"},u={OFF:0,FULL:1,ERROR:2}},7894:(e,t,r)=>{"use strict";function n(){return Math.floor(performance.now())}r.d(t,{z:()=>n})},7243:(e,t,r)=>{"use strict";r.d(t,{e:()=>i});var n=r(385);function i(e){if(0===(e||"").indexOf("data:"))return{protocol:"data"};try{const t=new URL(e,location.href),r={port:t.port,hostname:t.hostname,pathname:t.pathname,search:t.search,protocol:t.protocol.slice(0,t.protocol.indexOf(":")),sameOrigin:t.protocol===n._A?.location?.protocol&&t.host===n._A?.location?.host};return r.port&&""!==r.port||("http:"===t.protocol&&(r.port="80"),"https:"===t.protocol&&(r.port="443")),r.pathname&&""!==r.pathname?r.pathname.startsWith("/")||(r.pathname="/".concat(r.pathname)):r.pathname="/",r}catch(e){return{}}}},50:(e,t,r)=>{"use strict";function n(e,t){"function"==typeof console.warn&&(console.warn("New Relic: ".concat(e)),t&&console.warn(t))}r.d(t,{Z:()=>n})},2825:(e,t,r)=>{"use strict";r.d(t,{N:()=>c,T:()=>s});var n=r(8325),i=r(385);const o="newrelic";const a=new Set,s={};function c(e,t){const r=n.ee.get(t);s[t]??={},e&&"object"==typeof e&&(a.has(t)||(r.emit("rumresp",[e]),s[t]=e,a.add(t),function(){let e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:{};try{i._A.dispatchEvent(new CustomEvent(o,{detail:e}))}catch(e){}}({loaded:!0})))}},2210:(e,t,r)=>{"use strict";r.d(t,{X:()=>i});var n=Object.prototype.hasOwnProperty;function i(e,t,r){if(n.call(e,t))return e[t];var i=r();if(Object.defineProperty&&Object.keys)try{return Object.defineProperty(e,t,{value:i,writable:!0,enumerable:!1}),i}catch(e){}return e[t]=i,i}},7872:(e,t,r)=>{"use strict";function n(e){var t=this;let r=arguments.length>1&&void 0!==arguments[1]?arguments[1]:500,n=arguments.length>2&&void 0!==arguments[2]?arguments[2]:{};const i=n?.leading||!1;let o;return function(){for(var n=arguments.length,a=new Array(n),s=0;s<n;s++)a[s]=arguments[s];i&&void 0===o&&(e.apply(t,a),o=setTimeout((()=>{o=clearTimeout(o)}),r)),i||(clearTimeout(o),o=setTimeout((()=>{e.apply(t,a)}),r))}}function i(e){var t=this;let r=!1;return function(){if(!r){r=!0;for(var n=arguments.length,i=new Array(n),o=0;o<n;o++)i[o]=arguments[o];e.apply(t,i)}}}r.d(t,{D:()=>n,Z:()=>i})},1284:(e,t,r)=>{"use strict";r.d(t,{D:()=>n});const n=(e,t)=>Object.entries(e||{}).map((e=>{let[r,n]=e;return t(r,n)}))},4351:(e,t,r)=>{"use strict";r.d(t,{P:()=>o});var n=r(8325);const i=()=>{const e=new WeakSet;return(t,r)=>{if("object"==typeof r&&null!==r){if(e.has(r))return;e.add(r)}return r}};function o(e){try{return JSON.stringify(e,i())}catch(e){try{n.ee.emit("internal-error",[e])}catch(e){}}}},3960:(e,t,r)=>{"use strict";r.d(t,{KB:()=>a,b2:()=>o});var n=r(3239);function i(){return"undefined"==typeof document||"complete"===document.readyState}function o(e,t){if(i())return e();(0,n.bP)("load",e,t)}function a(e){if(i())return e();(0,n.iz)("DOMContentLoaded",e)}},8632:(e,t,r)=>{"use strict";r.d(t,{EZ:()=>d,ce:()=>o,ek:()=>u,fP:()=>a,gG:()=>l,h5:()=>c,mF:()=>s});var n=r(385),i=r(7894);const o={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net"};function a(){return n._A.NREUM||(n._A.NREUM={}),void 0===n._A.newrelic&&(n._A.newrelic=n._A.NREUM),n._A.NREUM}function s(){let e=a();return e.o||(e.o={ST:n._A.setTimeout,SI:n._A.setImmediate,CT:n._A.clearTimeout,XHR:n._A.XMLHttpRequest,REQ:n._A.Request,EV:n._A.Event,PR:n._A.Promise,MO:n._A.MutationObserver,FETCH:n._A.fetch}),e}function c(e,t){let r=a();r.initializedAgents??={},t.initializedAt={ms:(0,i.z)(),date:new Date},r.initializedAgents[e]=t}function u(e){let t=a();return t.initializedAgents?.[e]}function d(e,t){a()[e]=t}function l(){return function(){let e=a();const t=e.info||{};e.info={beacon:o.beacon,errorBeacon:o.errorBeacon,...t}}(),function(){let e=a();const t=e.init||{};e.init={...t}}(),s(),function(){let e=a();const t=e.loader_config||{};e.loader_config={...t}}(),a()}},7956:(e,t,r)=>{"use strict";r.d(t,{N:()=>i});var n=r(3239);function i(e){let t=arguments.length>1&&void 0!==arguments[1]&&arguments[1],r=arguments.length>2?arguments[2]:void 0,i=arguments.length>3?arguments[3]:void 0;(0,n.iz)("visibilitychange",(function(){if(t)return void("hidden"===document.visibilityState&&e());e(document.visibilityState)}),r,i)}},7806:(e,t,r)=>{"use strict";r.d(t,{em:()=>b,u5:()=>T,QU:()=>I,_L:()=>j,Gm:()=>L,Lg:()=>M,BV:()=>V,Kf:()=>Y});var n=r(8325),i=r(3117);const o="nr@original:".concat(i.a);var a=Object.prototype.hasOwnProperty,s=!1;function c(e,t){return e||(e=n.ee),r.inPlace=function(e,t,n,i,o){n||(n="");const a="-"===n.charAt(0);for(let s=0;s<t.length;s++){const c=t[s],u=e[c];d(u)||(e[c]=r(u,a?c+n:n,i,c,o))}},r.flag=o,r;function r(t,r,n,s,c){return d(t)?t:(r||(r=""),nrWrapper[o]=t,function(e,t,r){if(Object.defineProperty&&Object.keys)try{return Object.keys(e).forEach((function(r){Object.defineProperty(t,r,{get:function(){return e[r]},set:function(t){return e[r]=t,t}})})),t}catch(e){u([e],r)}for(var n in e)a.call(e,n)&&(t[n]=e[n])}(t,nrWrapper,e),nrWrapper);function nrWrapper(){var o,a,d,l;try{a=this,o=[...arguments],d="function"==typeof n?n(o,a):n||{}}catch(t){u([t,"",[o,a,s],d],e)}i(r+"start",[o,a,s],d,c);try{return l=t.apply(a,o)}catch(e){throw i(r+"err",[o,a,e],d,c),e}finally{i(r+"end",[o,a,l],d,c)}}}function i(r,n,i,o){if(!s||t){var a=s;s=!0;try{e.emit(r,n,i,t,o)}catch(t){u([t,r,n,i],e)}s=a}}}function u(e,t){t||(t=n.ee);try{t.emit("internal-error",e)}catch(e){}}function d(e){return!(e&&"function"==typeof e&&e.apply&&!e[o])}var l=r(2210),f=r(385);const h={},p=f._A.XMLHttpRequest,g="addEventListener",m="removeEventListener",v="nr@wrapped:".concat(n.A);function b(e){var t=function(e){return(e||n.ee).get("events")}(e);if(h[t.debugId]++)return t;h[t.debugId]=1;var r=c(t,!0);function i(e){r.inPlace(e,[g,m],"-",o)}function o(e,t){return e[1]}return"getPrototypeOf"in Object&&(f.il&&y(document,i),y(f._A,i),y(p.prototype,i)),t.on(g+"-start",(function(e,t){var n=e[1];if(null!==n&&("function"==typeof n||"object"==typeof n)){var i=(0,l.X)(n,v,(function(){var e={object:function(){if("function"!=typeof n.handleEvent)return;return n.handleEvent.apply(n,arguments)},function:n}[typeof n];return e?r(e,"fn-",null,e.name||"anonymous"):n}));this.wrapped=e[1]=i}})),t.on(m+"-start",(function(e){e[1]=this.wrapped||e[1]})),t}function y(e,t){let r=e;for(;"object"==typeof r&&!Object.prototype.hasOwnProperty.call(r,g);)r=Object.getPrototypeOf(r);for(var n=arguments.length,i=new Array(n>2?n-2:0),o=2;o<n;o++)i[o-2]=arguments[o];r&&t(r,...i)}var A="fetch-",w=A+"body-",E=["arrayBuffer","blob","json","text","formData"],_=f._A.Request,x=f._A.Response,R="prototype";const S={};function T(e){const t=function(e){return(e||n.ee).get("fetch")}(e);if(!(_&&x&&f._A.fetch))return t;if(S[t.debugId]++)return t;function r(e,r,i){var o=e[r];"function"==typeof o&&(e[r]=function(){var e,r=[...arguments],a={};t.emit(i+"before-start",[r],a),a[n.A]&&a[n.A].dt&&(e=a[n.A].dt);var s=o.apply(this,r);return t.emit(i+"start",[r,e],s),s.then((function(e){return t.emit(i+"end",[null,e],s),e}),(function(e){throw t.emit(i+"end",[e],s),e}))})}return S[t.debugId]=1,E.forEach((e=>{r(_[R],e,w),r(x[R],e,w)})),r(f._A,"fetch",A),t.on(A+"end",(function(e,r){var n=this;if(r){var i=r.headers.get("content-length");null!==i&&(n.rxSize=i),t.emit(A+"done",[null,r],n)}else t.emit(A+"done",[e],n)})),t}const N={},O=["pushState","replaceState"];function I(e){const t=function(e){return(e||n.ee).get("history")}(e);return!f.il||N[t.debugId]++||(N[t.debugId]=1,c(t).inPlace(window.history,O,"-")),t}var D=r(3239);const P={},C=["appendChild","insertBefore","replaceChild"];function j(e){const t=function(e){return(e||n.ee).get("jsonp")}(e);if(!f.il||P[t.debugId])return t;P[t.debugId]=!0;var r=c(t),i=/[?&](?:callback|cb)=([^&#]+)/,o=/(.*)\.([^.]+)/,a=/^(\w+)(\.|$)(.*)$/;function s(e,t){if(!e)return t;const r=e.match(a),n=r[1];return s(r[3],t[n])}return r.inPlace(Node.prototype,C,"dom-"),t.on("dom-start",(function(e){!function(e){if(!e||"string"!=typeof e.nodeName||"script"!==e.nodeName.toLowerCase())return;if("function"!=typeof e.addEventListener)return;var n=(a=e.src,c=a.match(i),c?c[1]:null);var a,c;if(!n)return;var u=function(e){var t=e.match(o);if(t&&t.length>=3)return{key:t[2],parent:s(t[1],window)};return{key:e,parent:window}}(n);if("function"!=typeof u.parent[u.key])return;var d={};function l(){t.emit("jsonp-end",[],d),e.removeEventListener("load",l,(0,D.m$)(!1)),e.removeEventListener("error",f,(0,D.m$)(!1))}function f(){t.emit("jsonp-error",[],d),t.emit("jsonp-end",[],d),e.removeEventListener("load",l,(0,D.m$)(!1)),e.removeEventListener("error",f,(0,D.m$)(!1))}r.inPlace(u.parent,[u.key],"cb-",d),e.addEventListener("load",l,(0,D.m$)(!1)),e.addEventListener("error",f,(0,D.m$)(!1)),t.emit("new-jsonp",[e.src],d)}(e[0])})),t}const k={};function L(e){const t=function(e){return(e||n.ee).get("mutation")}(e);if(!f.il||k[t.debugId])return t;k[t.debugId]=!0;var r=c(t),i=f._A.MutationObserver;return i&&(window.MutationObserver=function(e){return this instanceof i?new i(r(e,"fn-")):i.apply(this,arguments)},MutationObserver.prototype=i.prototype),t}const H={};function M(e){const t=function(e){return(e||n.ee).get("promise")}(e);if(H[t.debugId])return t;H[t.debugId]=!0;var r=t.context,i=c(t),a=f._A.Promise;return a&&function(){function e(r){var n=t.context(),o=i(r,"executor-",n,null,!1);const s=Reflect.construct(a,[o],e);return t.context(s).getCtx=function(){return n},s}f._A.Promise=e,Object.defineProperty(e,"name",{value:"Promise"}),e.toString=function(){return a.toString()},Object.setPrototypeOf(e,a),["all","race"].forEach((function(r){const n=a[r];e[r]=function(e){let i=!1;[...e||[]].forEach((e=>{this.resolve(e).then(a("all"===r),a(!1))}));const o=n.apply(this,arguments);return o;function a(e){return function(){t.emit("propagate",[null,!i],o,!1,!1),i=i||!e}}}})),["resolve","reject"].forEach((function(r){const n=a[r];e[r]=function(e){const r=n.apply(this,arguments);return e!==r&&t.emit("propagate",[e,!0],r,!1,!1),r}})),e.prototype=a.prototype;const n=a.prototype.then;a.prototype.then=function(){var e=this,o=r(e);o.promise=e;for(var a=arguments.length,s=new Array(a),c=0;c<a;c++)s[c]=arguments[c];s[0]=i(s[0],"cb-",o,null,!1),s[1]=i(s[1],"cb-",o,null,!1);const u=n.apply(this,s);return o.nextPromise=u,t.emit("propagate",[e,!0],u,!1,!1),u},a.prototype.then[o]=n,t.on("executor-start",(function(e){e[0]=i(e[0],"resolve-",this,null,!1),e[1]=i(e[1],"resolve-",this,null,!1)})),t.on("executor-err",(function(e,t,r){e[1](r)})),t.on("cb-end",(function(e,r,n){t.emit("propagate",[n,!0],this.nextPromise,!1,!1)})),t.on("propagate",(function(e,r,n){this.getCtx&&!r||(this.getCtx=function(){if(e instanceof Promise)var r=t.context(e);return r&&r.getCtx?r.getCtx():this})}))}(),t}const U={},z="setTimeout",F="setInterval",B="clearTimeout",G="-start",q="-",K=[z,"setImmediate",F,B,"clearImmediate"];function V(e){const t=function(e){return(e||n.ee).get("timer")}(e);if(U[t.debugId]++)return t;U[t.debugId]=1;var r=c(t);return r.inPlace(f._A,K.slice(0,2),z+q),r.inPlace(f._A,K.slice(2,3),F+q),r.inPlace(f._A,K.slice(3),B+q),t.on(F+G,(function(e,t,n){e[0]=r(e[0],"fn-",null,n)})),t.on(z+G,(function(e,t,n){this.method=n,this.timerDuration=isNaN(e[1])?0:+e[1],e[0]=r(e[0],"fn-",this,n)})),t}var Z=r(50);const W={},X=["open","send"];function Y(e){var t=e||n.ee;const r=function(e){return(e||n.ee).get("xhr")}(t);if(W[r.debugId]++)return r;W[r.debugId]=1,b(t);var i=c(r),o=f._A.XMLHttpRequest,a=f._A.MutationObserver,s=f._A.Promise,u=f._A.setInterval,d="readystatechange",l=["onload","onerror","onabort","onloadstart","onloadend","onprogress","ontimeout"],h=[],p=f._A.XMLHttpRequest=function(e){const t=new o(e),n=r.context(t);try{r.emit("new-xhr",[t],n),t.addEventListener(d,(a=n,function(){var e=this;e.readyState>3&&!a.resolved&&(a.resolved=!0,r.emit("xhr-resolved",[],e)),i.inPlace(e,l,"fn-",w)}),(0,D.m$)(!1))}catch(e){(0,Z.Z)("An error occurred while intercepting XHR",e);try{r.emit("internal-error",[e])}catch(e){}}var a;return t};function g(e,t){i.inPlace(t,["onreadystatechange"],"fn-",w)}if(function(e,t){for(var r in e)t[r]=e[r]}(o,p),p.prototype=o.prototype,i.inPlace(p.prototype,X,"-xhr-",w),r.on("send-xhr-start",(function(e,t){g(e,t),function(e){h.push(e),a&&(m?m.then(A):u?u(A):(v=-v,y.data=v))}(t)})),r.on("open-xhr-start",g),a){var m=s&&s.resolve();if(!u&&!s){var v=1,y=document.createTextNode(v);new a(A).observe(y,{characterData:!0})}}else t.on("fn-end",(function(e){e[0]&&e[0].type===d||A()}));function A(){for(var e=0;e<h.length;e++)g(0,h[e]);h.length&&(h=[])}function w(e,t){return t}return r}},7825:(e,t,r)=>{"use strict";r.d(t,{t:()=>n});const n=r(3325).D.ajax},6660:(e,t,r)=>{"use strict";r.d(t,{t:()=>n});const n=r(3325).D.jserrors},3081:(e,t,r)=>{"use strict";r.d(t,{gF:()=>o,mY:()=>i,t9:()=>n,vz:()=>s,xS:()=>a});const n=r(3325).D.metrics,i="sm",o="cm",a="storeSupportabilityMetrics",s="storeEventMetrics"},4649:(e,t,r)=>{"use strict";r.d(t,{t:()=>n});const n=r(3325).D.pageAction},7633:(e,t,r)=>{"use strict";r.d(t,{t:()=>n});const n=r(3325).D.pageViewEvent},9251:(e,t,r)=>{"use strict";r.d(t,{t:()=>n});const n=r(3325).D.pageViewTiming},7144:(e,t,r)=>{"use strict";r.d(t,{Ef:()=>o,J0:()=>f,Mi:()=>l,Vb:()=>a,Ye:()=>c,fm:()=>u,i9:()=>s,pB:()=>h,t9:()=>i,u0:()=>d});var n=r(7056);const i=r(3325).D.sessionReplay,o={RECORD:"recordReplay",PAUSE:"pauseReplay",REPLAY_RUNNING:"replayRunning",ERROR_DURING_REPLAY:"errorDuringReplay"},a=.12,s={DomContentLoaded:0,Load:1,FullSnapshot:2,IncrementalSnapshot:3,Meta:4,Custom:5},c=1e6,u=64e3,d={[n.IK.ERROR]:15e3,[n.IK.FULL]:3e5,[n.IK.OFF]:0},l={RESET:{message:"Session was reset",sm:"Reset"},IMPORT:{message:"Recorder failed to import",sm:"Import"},TOO_MANY:{message:"429: Too Many Requests",sm:"Too-Many"},TOO_BIG:{message:"Payload was too large",sm:"Too-Big"},CROSS_TAB:{message:"Session Entity was set to OFF on another tab",sm:"Cross-Tab"},ENTITLEMENTS:{message:"Session Replay is not allowed and will not be started",sm:"Entitlement"}},f=5e3,h={API:"api"}},3112:(e,t,r)=>{"use strict";r.d(t,{HM:()=>c,Rc:()=>a,rU:()=>s,wi:()=>u});var n=r(234),i=r(8488),o=r(385);function a(e){return!!n.Yu.MO&&(0,i.H)(e)&&!0===(0,n.Mt)(e,"session_trace.enabled")}function s(e){return!0===(0,n.Mt)(e,"session_replay.preload")&&a(e)}function c(e,t){return!!a(e)&&(!!t?.isNew||!!t?.state.sessionReplayMode)}function u(e,t){const r=t.correctAbsoluteTimestamp(e);return{originalTimestamp:e,correctedTimestamp:r,timestampDiff:e-r,originTime:o.sK,correctedOriginTime:t.correctedOriginTime,originTimeDiff:Math.floor(o.sK-t.correctedOriginTime)}}},3614:(e,t,r)=>{"use strict";r.d(t,{BST_RESOURCE:()=>i,END:()=>s,FEATURE_NAME:()=>n,FN_END:()=>u,FN_START:()=>c,PUSH_STATE:()=>d,RESOURCE:()=>o,START:()=>a,c:()=>l});const n=r(3325).D.sessionTrace,i="bstResource",o="resource",a="-start",s="-end",c="fn"+a,u="fn"+s,d="pushState",l=1e3},6216:(e,t,r)=>{"use strict";r.d(t,{K8:()=>s,QZ:()=>c,cS:()=>o,sE:()=>i,t9:()=>a,vh:()=>u});var n=r(3325);const i=["click","keydown","submit"],o="api",a=n.D.softNav,s={INITIAL_PAGE_LOAD:"",ROUTE_CHANGE:1,UNSPECIFIED:2},c={INTERACTION:1,AJAX:2,CUSTOM_END:3,CUSTOM_TRACER:4},u={IP:"in progress",FIN:"finished",CAN:"cancelled"}},7836:(e,t,r)=>{"use strict";r.d(t,{BODY:()=>E,CB_END:()=>_,CB_START:()=>u,END:()=>w,FEATURE_NAME:()=>i,FETCH:()=>R,FETCH_BODY:()=>v,FETCH_DONE:()=>m,FETCH_START:()=>g,FN_END:()=>c,FN_START:()=>s,INTERACTION:()=>f,INTERACTION_API:()=>d,INTERACTION_EVENTS:()=>o,JSONP_END:()=>b,JSONP_NODE:()=>p,JS_TIME:()=>x,MAX_TIMER_BUDGET:()=>a,REMAINING:()=>l,SPA_NODE:()=>h,START:()=>A,originalSetTimeout:()=>y});var n=r(234);const i=r(3325).D.spa,o=["click","submit","keypress","keydown","keyup","change"],a=999,s="fn-start",c="fn-end",u="cb-start",d="api-ixn-",l="remaining",f="interaction",h="spaNode",p="jsonpNode",g="fetch-start",m="fetch-done",v="fetch-body-",b="jsonp-end",y=n.Yu.ST,A="-start",w="-end",E="-body",_="cb"+w,x="jsTime",R="fetch"},5938:(e,t,r)=>{"use strict";r.d(t,{W:()=>i});var n=r(8325);class i{constructor(e,t,r){this.agentIdentifier=e,this.aggregator=t,this.ee=n.ee.get(e),this.featureName=r,this.blocked=!1}}},8488:(e,t,r)=>{"use strict";r.d(t,{H:()=>o});var n=r(234),i=r(385);const o=e=>i.il&&!0===(0,n.Mt)(e,"privacy.cookies_enabled")},2758:(e,t,r)=>{"use strict";r.d(t,{j:()=>_});var n=r(3325),i=r(234),o=r(5546),a=r(8325),s=r(8e3),c=r(3960),u=r(385),d=r(50),l=r(3081),f=r(8632),h=r(7144);const p=["setErrorHandler","finished","addToTrace","addRelease","addPageAction","setCurrentRouteName","setPageViewName","setCustomAttribute","interaction","noticeError","setUserId","setApplicationVersion","start",h.Ef.RECORD,h.Ef.PAUSE],g=["setErrorHandler","finished","addToTrace","addRelease"];var m=r(7894),v=r(7056);function b(){const e=(0,f.gG)();p.forEach((t=>{e[t]=function(){for(var r=arguments.length,n=new Array(r),i=0;i<r;i++)n[i]=arguments[i];return function(t){for(var r=arguments.length,n=new Array(r>1?r-1:0),i=1;i<r;i++)n[i-1]=arguments[i];let o=[];return Object.values(e.initializedAgents).forEach((e=>{e.exposed&&e.api[t]&&o.push(e.api[t](...n))})),o.length>1?o:o[0]}(t,...n)}}))}const y={};var A=r(2825);const w=e=>{const t=e.startsWith("http");e+="/",r.p=t?e:"https://"+e};let E=!1;function _(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:{},p=arguments.length>2?arguments[2]:void 0,_=arguments.length>3?arguments[3]:void 0,{init:x,info:R,loader_config:S,runtime:T={loaderType:p},exposed:N=!0}=t;const O=(0,f.gG)();R||(x=O.init,R=O.info,S=O.loader_config),(0,i.Dg)(e.agentIdentifier,x||{}),(0,i.GE)(e.agentIdentifier,S||{}),R.jsAttributes??={},u.v6&&(R.jsAttributes.isWorker=!0),(0,i.CX)(e.agentIdentifier,R);const I=(0,i.P_)(e.agentIdentifier),D=[R.beacon,R.errorBeacon];E||(I.proxy.assets&&(w(I.proxy.assets),D.push(I.proxy.assets)),I.proxy.beacon&&D.push(I.proxy.beacon),b(),(0,f.EZ)("activatedFeatures",A.T),e.runSoftNavOverSpa&&=!0===I.soft_navigations.enabled&&I.feature_flags.includes("soft_nav")),T.denyList=[...I.ajax.deny_list||[],...I.ajax.block_internal?D:[]],T.ptid=e.agentIdentifier,(0,i.sU)(e.agentIdentifier,T),void 0===e.api&&(e.api=function(e,t){let f=arguments.length>2&&void 0!==arguments[2]&&arguments[2];t||(0,s.RP)(e,"api");const p={};var b=a.ee.get(e),A=b.get("tracer");y[e]=v.IK.OFF,b.on(h.Ef.REPLAY_RUNNING,(t=>{y[e]=t}));var w="api-",E=w+"ixn-";function _(t,r,n,o){const a=(0,i.C5)(e);return null===r?delete a.jsAttributes[t]:(0,i.CX)(e,{...a,jsAttributes:{...a.jsAttributes,[t]:r}}),S(w,n,!0,o||null===r?"session":void 0)(t,r)}function x(){}g.forEach((e=>{p[e]=S(w,e,!0,"api")})),p.addPageAction=S(w,"addPageAction",!0,n.D.pageAction),p.setPageViewName=function(t,r){if("string"==typeof t)return"/"!==t.charAt(0)&&(t="/"+t),(0,i.OP)(e).customTransaction=(r||"http://custom.transaction")+t,S(w,"setPageViewName",!0)()},p.setCustomAttribute=function(e,t){let r=arguments.length>2&&void 0!==arguments[2]&&arguments[2];if("string"==typeof e){if(["string","number","boolean"].includes(typeof t)||null===t)return _(e,t,"setCustomAttribute",r);(0,d.Z)("Failed to execute setCustomAttribute.\nNon-null value must be a string, number or boolean type, but a type of <".concat(typeof t,"> was provided."))}else(0,d.Z)("Failed to execute setCustomAttribute.\nName must be a string type, but a type of <".concat(typeof e,"> was provided."))},p.setUserId=function(e){if("string"==typeof e||null===e)return _("enduser.id",e,"setUserId",!0);(0,d.Z)("Failed to execute setUserId.\nNon-null value must be a string type, but a type of <".concat(typeof e,"> was provided."))},p.setApplicationVersion=function(e){if("string"==typeof e||null===e)return _("application.version",e,"setApplicationVersion",!1);(0,d.Z)("Failed to execute setApplicationVersion. Expected <String | null>, but got <".concat(typeof e,">."))},p.start=()=>{try{(0,o.p)(l.xS,["API/start/called"],void 0,n.D.metrics,b),b.emit("manual-start-all")}catch(e){(0,d.Z)("An unexpected issue occurred",e)}},p[h.Ef.RECORD]=function(){(0,o.p)(l.xS,["API/recordReplay/called"],void 0,n.D.metrics,b),(0,o.p)(h.Ef.RECORD,[],void 0,n.D.sessionReplay,b)},p[h.Ef.PAUSE]=function(){(0,o.p)(l.xS,["API/pauseReplay/called"],void 0,n.D.metrics,b),(0,o.p)(h.Ef.PAUSE,[],void 0,n.D.sessionReplay,b)},p.interaction=function(e){return(new x).get("object"==typeof e?e:{})};const R=x.prototype={createTracer:function(e,t){var r={},i=this,a="function"==typeof t;return(0,o.p)(l.xS,["API/createTracer/called"],void 0,n.D.metrics,b),f||(0,o.p)(E+"tracer",[(0,m.z)(),e,r],i,n.D.spa,b),function(){if(A.emit((a?"":"no-")+"fn-start",[(0,m.z)(),i,a],r),a)try{return t.apply(this,arguments)}catch(e){const t="string"==typeof e?new Error(e):e;throw A.emit("fn-err",[arguments,this,t],r),t}finally{A.emit("fn-end",[(0,m.z)()],r)}}}};function S(e,t,r,i){return function(){return(0,o.p)(l.xS,["API/"+t+"/called"],void 0,n.D.metrics,b),i&&(0,o.p)(e+t,[(0,m.z)(),...arguments],r?null:this,i,b),r?void 0:this}}function T(){r.e(111).then(r.bind(r,7438)).then((t=>{let{setAPI:r}=t;r(e),(0,s.LP)(e,"api")})).catch((e=>{(0,d.Z)("Downloading runtime APIs failed...",e),b.abort()}))}return["actionText","setName","setAttribute","save","ignore","onEnd","getContext","end","get"].forEach((e=>{R[e]=S(E,e,void 0,f?n.D.softNav:n.D.spa)})),p.setCurrentRouteName=f?S(E,"routeName",void 0,n.D.softNav):S(w,"routeName",!0,n.D.spa),p.noticeError=function(t,r){"string"==typeof t&&(t=new Error(t)),(0,o.p)(l.xS,["API/noticeError/called"],void 0,n.D.metrics,b),(0,o.p)("err",[t,(0,m.z)(),!1,r,!!y[e]],void 0,n.D.jserrors,b)},u.il?(0,c.b2)((()=>T()),!0):T(),p}(e.agentIdentifier,_,e.runSoftNavOverSpa)),void 0===e.exposed&&(e.exposed=N),E=!0}},8993:(e,t,r)=>{r.nc=(()=>{try{return document?.currentScript?.nonce}catch(e){}return""})()},3325:(e,t,r)=>{"use strict";r.d(t,{D:()=>n,p:()=>i});const n={ajax:"ajax",jserrors:"jserrors",metrics:"metrics",pageAction:"page_action",pageViewEvent:"page_view_event",pageViewTiming:"page_view_timing",sessionReplay:"session_replay",sessionTrace:"session_trace",softNav:"soft_navigations",spa:"spa"},i={[n.pageViewEvent]:1,[n.pageViewTiming]:2,[n.metrics]:3,[n.jserrors]:4,[n.ajax]:5,[n.sessionTrace]:6,[n.pageAction]:7,[n.spa]:8,[n.softNav]:9,[n.sessionReplay]:10}}},n={};function i(e){var t=n[e];if(void 0!==t)return t.exports;var o=n[e]={exports:{}};return r[e](o,o.exports,i),o.exports}i.m=r,i.d=(e,t)=>{for(var r in t)i.o(t,r)&&!i.o(e,r)&&Object.defineProperty(e,r,{enumerable:!0,get:t[r]})},i.f={},i.e=e=>Promise.all(Object.keys(i.f).reduce(((t,r)=>(i.f[r](e,t),t)),[])),i.u=e=>({111:"nr-spa",164:"nr-spa-compressor",433:"nr-spa-recorder"}[e]+"-1.260.0.min.js"),i.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),e={},t="NRBA-1.260.0.PROD:",i.l=(r,n,o,a)=>{if(e[r])e[r].push(n);else{var s,c;if(void 0!==o)for(var u=document.getElementsByTagName("script"),d=0;d<u.length;d++){var l=u[d];if(l.getAttribute("src")==r||l.getAttribute("data-webpack")==t+o){s=l;break}}if(!s){c=!0;var f={111:"sha512-yg/3G4Xi/nUUSGUZ5sZ5laGfxYiBl4A4z1KiCDtOZnnyZ1yRz/gldBGvnLQkCt9iHEG+xaLgGYJXknmRQ1RRBg==",433:"sha512-+r3Wkk8iuDgwHGMXW/4TexrEk4BUtJDwoydKiVtCg/OhRaVQjDykRQ5pq++NLNYgn6VmvYTyFNtJOzAGjbQYxQ==",164:"sha512-B0foyUJVqgCiRQ77L/MyMwRicWPhe+NqE2lxw/3pl055wE8eTQpuvUp+2B2d8y2J7zEgKz6qDFwcVFoxG46BKw=="};(s=document.createElement("script")).charset="utf-8",s.timeout=120,i.nc&&s.setAttribute("nonce",i.nc),s.setAttribute("data-webpack",t+o),s.src=r,0!==s.src.indexOf(window.location.origin+"/")&&(s.crossOrigin="anonymous"),f[a]&&(s.integrity=f[a])}e[r]=[n];var h=(t,n)=>{s.onerror=s.onload=null,clearTimeout(p);var i=e[r];if(delete e[r],s.parentNode&&s.parentNode.removeChild(s),i&&i.forEach((e=>e(n))),t)return t(n)},p=setTimeout(h.bind(null,void 0,{type:"timeout",target:s}),12e4);s.onerror=h.bind(null,s.onerror),s.onload=h.bind(null,s.onload),c&&document.head.appendChild(s)}},i.r=e=>{"undefined"!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:"Module"}),Object.defineProperty(e,"__esModule",{value:!0})},i.p="https://js-agent.newrelic.com/",(()=>{var e={801:0,92:0};i.f.j=(t,r)=>{var n=i.o(e,t)?e[t]:void 0;if(0!==n)if(n)r.push(n[2]);else{var o=new Promise(((r,i)=>n=e[t]=[r,i]));r.push(n[2]=o);var a=i.p+i.u(t),s=new Error;i.l(a,(r=>{if(i.o(e,t)&&(0!==(n=e[t])&&(e[t]=void 0),n)){var o=r&&("load"===r.type?"missing":r.type),a=r&&r.target&&r.target.src;s.message="Loading chunk "+t+" failed.\n("+o+": "+a+")",s.name="ChunkLoadError",s.type=o,s.request=a,n[1](s)}}),"chunk-"+t,t)}};var t=(t,r)=>{var n,o,[a,s,c]=r,u=0;if(a.some((t=>0!==e[t]))){for(n in s)i.o(s,n)&&(i.m[n]=s[n]);if(c)c(i)}for(t&&t(r);u<a.length;u++)o=a[u],i.o(e,o)&&e[o]&&e[o][0](),e[o]=0},r=self["webpackChunk:NRBA-1.260.0.PROD"]=self["webpackChunk:NRBA-1.260.0.PROD"]||[];r.forEach(t.bind(null,0)),r.push=t.bind(null,r.push.bind(r))})(),(()=>{"use strict";i(8993);var e=i(50),t=i(7144),r=i(4402),n=i(8325);class o{agentIdentifier;constructor(){let e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:(0,r.ky)(16);this.agentIdentifier=e,this.ee=n.ee.get(e)}#e(t){for(var r=arguments.length,n=new Array(r>1?r-1:0),i=1;i<r;i++)n[i-1]=arguments[i];if("function"==typeof this.api?.[t])return this.api[t](...n);(0,e.Z)("Call to agent api ".concat(t," failed. The API is not currently initialized."))}addPageAction(e,t){return this.#e("addPageAction",e,t)}setPageViewName(e,t){return this.#e("setPageViewName",e,t)}setCustomAttribute(e,t,r){return this.#e("setCustomAttribute",e,t,r)}noticeError(e,t){return this.#e("noticeError",e,t)}setUserId(e){return this.#e("setUserId",e)}setApplicationVersion(e){return this.#e("setApplicationVersion",e)}setErrorHandler(e){return this.#e("setErrorHandler",e)}finished(e){return this.#e("finished",e)}addRelease(e,t){return this.#e("addRelease",e,t)}start(e){return this.#e("start",e)}recordReplay(){return this.#e(t.Ef.RECORD)}pauseReplay(){return this.#e(t.Ef.PAUSE)}addToTrace(e){return this.#e("addToTrace",e)}setCurrentRouteName(e){return this.#e("setCurrentRouteName",e)}interaction(){return this.#e("interaction")}}var a=i(3325),s=i(234);const c=Object.values(a.D);function u(e){const t={};return c.forEach((r=>{t[r]=function(e,t){return!0===(0,s.Mt)(t,"".concat(e,".enabled"))}(r,e)})),t}var d=i(2758);var l=i(8e3),f=i(5938),h=i(3960),p=i(385),g=i(3112),m=i(8488),v=i(7872);class b extends f.W{constructor(e,t,r){let n=!(arguments.length>3&&void 0!==arguments[3])||arguments[3];super(e,t,r),this.auto=n,this.abortHandler=void 0,this.featAggregate=void 0,this.onAggregateImported=void 0,!1===(0,s.Mt)(this.agentIdentifier,"".concat(this.featureName,".autoStart"))&&(this.auto=!1),this.auto?(0,l.RP)(e,r):this.ee.on("manual-start-all",(0,v.Z)((()=>{(0,l.RP)(this.agentIdentifier,this.featureName),this.auto=!0,this.importAggregator()})))}importAggregator(){let t,r=arguments.length>0&&void 0!==arguments[0]?arguments[0]:{};if(this.featAggregate||!this.auto)return;this.onAggregateImported=new Promise((e=>{t=e}));const n=async()=>{let n;try{if((0,m.H)(this.agentIdentifier)){const{setupAgentSession:e}=await i.e(111).then(i.bind(i,9446));n=e(this.agentIdentifier)}}catch(t){(0,e.Z)("A problem occurred when starting up session manager. This page will not start or extend any session.",t),this.featureName===a.D.sessionReplay&&this.abortHandler?.()}try{if(!this.#t(this.featureName,n))return(0,l.LP)(this.agentIdentifier,this.featureName),void t(!1);const{lazyFeatureLoader:e}=await i.e(111).then(i.bind(i,8582)),{Aggregate:o}=await e(this.featureName,"aggregate");this.featAggregate=new o(this.agentIdentifier,this.aggregator,r),t(!0)}catch(r){(0,e.Z)("Downloading and initializing ".concat(this.featureName," failed..."),r),this.abortHandler?.(),(0,l.LP)(this.agentIdentifier,this.featureName,!0),t(!1),this.ee&&this.ee.abort()}};p.il?(0,h.b2)((()=>n()),!0):n()}#t(e,t){return e!==a.D.sessionReplay||(0,g.HM)(this.agentIdentifier,t)}}var y=i(7633);class A extends b{static featureName=y.t;constructor(e,t){let r=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,t,y.t,r),this.importAggregator()}}var w=i(1117),E=i(1284);class _ extends w.w{constructor(e){super(e),this.aggregatedData={}}store(e,t,r,n,i){var o=this.getBucket(e,t,r,i);return o.metrics=function(e,t){t||(t={count:0});return t.count+=1,(0,E.D)(e,(function(e,r){t[e]=x(r,t[e])})),t}(n,o.metrics),o}merge(e,t,r,n,i){var o=this.getBucket(e,t,n,i);if(o.metrics){var a=o.metrics;a.count+=r.count,(0,E.D)(r,(function(e,t){if("count"!==e){var n=a[e],i=r[e];i&&!i.c?a[e]=x(i.t,n):a[e]=function(e,t){if(!t)return e;t.c||(t=R(t.t));return t.min=Math.min(e.min,t.min),t.max=Math.max(e.max,t.max),t.t+=e.t,t.sos+=e.sos,t.c+=e.c,t}(i,a[e])}}))}else o.metrics=r}storeMetric(e,t,r,n){var i=this.getBucket(e,t,r);return i.stats=x(n,i.stats),i}getBucket(e,t,r,n){this.aggregatedData[e]||(this.aggregatedData[e]={});var i=this.aggregatedData[e][t];return i||(i=this.aggregatedData[e][t]={params:r||{}},n&&(i.custom=n)),i}get(e,t){return t?this.aggregatedData[e]&&this.aggregatedData[e][t]:this.aggregatedData[e]}take(e){for(var t={},r="",n=!1,i=0;i<e.length;i++)t[r=e[i]]=Object.values(this.aggregatedData[r]||{}),t[r].length&&(n=!0),delete this.aggregatedData[r];return n?t:null}}function x(e,t){return null==e?function(e){e?e.c++:e={c:1};return e}(t):t?(t.c||(t=R(t.t)),t.c+=1,t.t+=e,t.sos+=e*e,e>t.max&&(t.max=e),e<t.min&&(t.min=e),t):{t:e}}function R(e){return{t:e,min:e,max:e,sos:e*e,c:1}}var S=i(8632),T=i(4351);var N=i(5546),O=i(7956),I=i(3239),D=i(9251),P=i(7894);class C extends b{static featureName=D.t;constructor(e,t){let r=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,t,D.t,r),p.il&&((0,O.N)((()=>(0,N.p)("docHidden",[(0,P.z)()],void 0,D.t,this.ee)),!0),(0,I.bP)("pagehide",(()=>(0,N.p)("winPagehide",[(0,P.z)()],void 0,D.t,this.ee))),this.importAggregator())}}var j=i(3081);class k extends b{static featureName=j.t9;constructor(e,t){let r=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,t,j.t9,r),this.importAggregator()}}var L=i(6660);class H{constructor(e,t,r,n,i){this.name="UncaughtError",this.message="string"==typeof e?e:(0,T.P)(e),this.sourceURL=t,this.line=r,this.column=n,this.__newrelic=i}}function M(e){return F(e)?e:new H(void 0!==e?.message?e.message:e,e?.filename||e?.sourceURL,e?.lineno||e?.line,e?.colno||e?.col,e?.__newrelic)}function U(e){let t="Unhandled Promise Rejection";if(F(e?.reason))try{return e.reason.message=t+": "+e.reason.message,M(e.reason)}catch(t){return M(e.reason)}if(void 0===e.reason)return M(t);const r=M(e.reason);return r.message=t+": "+r?.message,r}function z(e){if(e.error instanceof SyntaxError&&!/:\d+$/.test(e.error.stack?.trim())){const t=new H(e.message,e.filename,e.lineno,e.colno,e.error.__newrelic);return t.name=SyntaxError.name,t}return F(e.error)?e.error:M(e)}function F(e){return e instanceof Error&&!!e.stack}class B extends b{static featureName=L.t;#r=!1;constructor(e,r){let n=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,r,L.t,n);try{this.removeOnAbort=new AbortController}catch(e){}this.ee.on("internal-error",(e=>{this.abortHandler&&(0,N.p)("ierr",[M(e),(0,P.z)(),!0,{},this.#r],void 0,this.featureName,this.ee)})),this.ee.on(t.Ef.REPLAY_RUNNING,(e=>{this.#r=e})),p._A.addEventListener("unhandledrejection",(e=>{this.abortHandler&&(0,N.p)("err",[U(e),(0,P.z)(),!1,{unhandledPromiseRejection:1},this.#r],void 0,this.featureName,this.ee)}),(0,I.m$)(!1,this.removeOnAbort?.signal)),p._A.addEventListener("error",(e=>{this.abortHandler&&(0,N.p)("err",[z(e),(0,P.z)(),!1,{},this.#r],void 0,this.featureName,this.ee)}),(0,I.m$)(!1,this.removeOnAbort?.signal)),this.abortHandler=this.#n,this.importAggregator()}#n(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}var G=i(2210);let q=1;const K="nr@id";function V(e){const t=typeof e;return!e||"object"!==t&&"function"!==t?-1:e===p._A?0:(0,G.X)(e,K,(function(){return q++}))}function Z(e){if("string"==typeof e&&e.length)return e.length;if("object"==typeof e){if("undefined"!=typeof ArrayBuffer&&e instanceof ArrayBuffer&&e.byteLength)return e.byteLength;if("undefined"!=typeof Blob&&e instanceof Blob&&e.size)return e.size;if(!("undefined"!=typeof FormData&&e instanceof FormData))try{return(0,T.P)(e).length}catch(e){return}}}var W=i(7806),X=i(7243);class Y{constructor(e){this.agentIdentifier=e}generateTracePayload(e){if(!this.shouldGenerateTrace(e))return null;var t=(0,s.DL)(this.agentIdentifier);if(!t)return null;var n=(t.accountID||"").toString()||null,i=(t.agentID||"").toString()||null,o=(t.trustKey||"").toString()||null;if(!n||!i)return null;var a=(0,r.M)(),c=(0,r.Ht)(),u=Date.now(),d={spanId:a,traceId:c,timestamp:u};return(e.sameOrigin||this.isAllowedOrigin(e)&&this.useTraceContextHeadersForCors())&&(d.traceContextParentHeader=this.generateTraceContextParentHeader(a,c),d.traceContextStateHeader=this.generateTraceContextStateHeader(a,u,n,i,o)),(e.sameOrigin&&!this.excludeNewrelicHeader()||!e.sameOrigin&&this.isAllowedOrigin(e)&&this.useNewrelicHeaderForCors())&&(d.newrelicHeader=this.generateTraceHeader(a,c,u,n,i,o)),d}generateTraceContextParentHeader(e,t){return"00-"+t+"-"+e+"-01"}generateTraceContextStateHeader(e,t,r,n,i){return i+"@nr=0-1-"+r+"-"+n+"-"+e+"----"+t}generateTraceHeader(e,t,r,n,i,o){if(!("function"==typeof p._A?.btoa))return null;var a={v:[0,1],d:{ty:"Browser",ac:n,ap:i,id:e,tr:t,ti:r}};return o&&n!==o&&(a.d.tk=o),btoa((0,T.P)(a))}shouldGenerateTrace(e){return this.isDtEnabled()&&this.isAllowedOrigin(e)}isAllowedOrigin(e){var t=!1,r={};if((0,s.Mt)(this.agentIdentifier,"distributed_tracing")&&(r=(0,s.P_)(this.agentIdentifier).distributed_tracing),e.sameOrigin)t=!0;else if(r.allowed_origins instanceof Array)for(var n=0;n<r.allowed_origins.length;n++){var i=(0,X.e)(r.allowed_origins[n]);if(e.hostname===i.hostname&&e.protocol===i.protocol&&e.port===i.port){t=!0;break}}return t}isDtEnabled(){var e=(0,s.Mt)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.enabled}excludeNewrelicHeader(){var e=(0,s.Mt)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.exclude_newrelic_header}useNewrelicHeaderForCors(){var e=(0,s.Mt)(this.agentIdentifier,"distributed_tracing");return!!e&&!1!==e.cors_use_newrelic_header}useTraceContextHeadersForCors(){var e=(0,s.Mt)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.cors_use_tracecontext_headers}}var J=i(7825),Q=i(1199),ee=["load","error","abort","timeout"],te=ee.length,re=s.Yu.REQ,ne=s.Yu.XHR;class ie extends b{static featureName=J.t;constructor(e,t){let r=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,t,J.t,r),this.dt=new Y(e),this.handler=(e,t,r,n)=>(0,N.p)(e,t,r,n,this.ee);try{const e={xmlhttprequest:"xhr",fetch:"fetch",beacon:"beacon"};p._A?.performance?.getEntriesByType("resource").forEach((t=>{if(t.initiatorType in e&&0!==t.responseStatus){const r={status:t.responseStatus},n={rxSize:t.transferSize,duration:Math.floor(t.duration),cbTime:0};oe(r,t.name),this.handler("xhr",[r,n,t.startTime,t.responseEnd,e[t.initiatorType]],void 0,a.D.ajax)}}))}catch(e){}(0,W.u5)(this.ee),(0,W.Kf)(this.ee),function(e,t,r,n){function i(e){var t=this;t.totalCbs=0,t.called=0,t.cbTime=0,t.end=E,t.ended=!1,t.xhrGuids={},t.lastSize=null,t.loadCaptureCalled=!1,t.params=this.params||{},t.metrics=this.metrics||{},e.addEventListener("load",(function(r){_(t,e)}),(0,I.m$)(!1)),p.IF||e.addEventListener("progress",(function(e){t.lastSize=e.loaded}),(0,I.m$)(!1))}function o(e){this.params={method:e[0]},oe(this,e[1]),this.metrics={}}function c(t,r){var i=(0,s.DL)(e);i.xpid&&this.sameOrigin&&r.setRequestHeader("X-NewRelic-ID",i.xpid);var o=n.generateTracePayload(this.parsedOrigin);if(o){var a=!1;o.newrelicHeader&&(r.setRequestHeader("newrelic",o.newrelicHeader),a=!0),o.traceContextParentHeader&&(r.setRequestHeader("traceparent",o.traceContextParentHeader),o.traceContextStateHeader&&r.setRequestHeader("tracestate",o.traceContextStateHeader),a=!0),a&&(this.dt=o)}}function u(e,r){var n=this.metrics,i=e[0],o=this;if(n&&i){var a=Z(i);a&&(n.txSize=a)}this.startTime=(0,P.z)(),this.body=i,this.listener=function(e){try{"abort"!==e.type||o.loadCaptureCalled||(o.params.aborted=!0),("load"!==e.type||o.called===o.totalCbs&&(o.onloadCalled||"function"!=typeof r.onload)&&"function"==typeof o.end)&&o.end(r)}catch(e){try{t.emit("internal-error",[e])}catch(e){}}};for(var s=0;s<te;s++)r.addEventListener(ee[s],this.listener,(0,I.m$)(!1))}function d(e,t,r){this.cbTime+=e,t?this.onloadCalled=!0:this.called+=1,this.called!==this.totalCbs||!this.onloadCalled&&"function"==typeof r.onload||"function"!=typeof this.end||this.end(r)}function l(e,t){var r=""+V(e)+!!t;this.xhrGuids&&!this.xhrGuids[r]&&(this.xhrGuids[r]=!0,this.totalCbs+=1)}function f(e,t){var r=""+V(e)+!!t;this.xhrGuids&&this.xhrGuids[r]&&(delete this.xhrGuids[r],this.totalCbs-=1)}function h(){this.endTime=(0,P.z)()}function g(e,r){r instanceof ne&&"load"===e[0]&&t.emit("xhr-load-added",[e[1],e[2]],r)}function m(e,r){r instanceof ne&&"load"===e[0]&&t.emit("xhr-load-removed",[e[1],e[2]],r)}function v(e,t,r){t instanceof ne&&("onload"===r&&(this.onload=!0),("load"===(e[0]&&e[0].type)||this.onload)&&(this.xhrCbStart=(0,P.z)()))}function b(e,r){this.xhrCbStart&&t.emit("xhr-cb-time",[(0,P.z)()-this.xhrCbStart,this.onload,r],r)}function y(e){var t,r=e[1]||{};if("string"==typeof e[0]?0===(t=e[0]).length&&p.il&&(t=""+p._A.location.href):e[0]&&e[0].url?t=e[0].url:p._A?.URL&&e[0]&&e[0]instanceof URL?t=e[0].href:"function"==typeof e[0].toString&&(t=e[0].toString()),"string"==typeof t&&0!==t.length){t&&(this.parsedOrigin=(0,X.e)(t),this.sameOrigin=this.parsedOrigin.sameOrigin);var i=n.generateTracePayload(this.parsedOrigin);if(i&&(i.newrelicHeader||i.traceContextParentHeader))if(e[0]&&e[0].headers)s(e[0].headers,i)&&(this.dt=i);else{var o={};for(var a in r)o[a]=r[a];o.headers=new Headers(r.headers||{}),s(o.headers,i)&&(this.dt=i),e.length>1?e[1]=o:e.push(o)}}function s(e,t){var r=!1;return t.newrelicHeader&&(e.set("newrelic",t.newrelicHeader),r=!0),t.traceContextParentHeader&&(e.set("traceparent",t.traceContextParentHeader),t.traceContextStateHeader&&e.set("tracestate",t.traceContextStateHeader),r=!0),r}}function A(e,t){this.params={},this.metrics={},this.startTime=(0,P.z)(),this.dt=t,e.length>=1&&(this.target=e[0]),e.length>=2&&(this.opts=e[1]);var r,n=this.opts||{},i=this.target;"string"==typeof i?r=i:"object"==typeof i&&i instanceof re?r=i.url:p._A?.URL&&"object"==typeof i&&i instanceof URL&&(r=i.href),oe(this,r);var o=(""+(i&&i instanceof re&&i.method||n.method||"GET")).toUpperCase();this.params.method=o,this.body=n.body,this.txSize=Z(n.body)||0}function w(e,t){if(this.endTime=(0,P.z)(),this.params||(this.params={}),(0,Q.zh)(this.params))return;let n;this.params.status=t?t.status:0,"string"==typeof this.rxSize&&this.rxSize.length>0&&(n=+this.rxSize);const i={txSize:this.txSize,rxSize:n,duration:(0,P.z)()-this.startTime};r("xhr",[this.params,i,this.startTime,this.endTime,"fetch"],this,a.D.ajax)}function E(e){const t=this.params,n=this.metrics;if(!this.ended){this.ended=!0;for(let t=0;t<te;t++)e.removeEventListener(ee[t],this.listener,!1);t.aborted||(0,Q.zh)(t)||(n.duration=(0,P.z)()-this.startTime,this.loadCaptureCalled||4!==e.readyState?null==t.status&&(t.status=0):_(this,e),n.cbTime=this.cbTime,r("xhr",[t,n,this.startTime,this.endTime,"xhr"],this,a.D.ajax))}}function _(e,r){e.params.status=r.status;var n=function(e,t){var r=e.responseType;return"json"===r&&null!==t?t:"arraybuffer"===r||"blob"===r||"json"===r?Z(e.response):"text"===r||""===r||void 0===r?Z(e.responseText):void 0}(r,e.lastSize);if(n&&(e.metrics.rxSize=n),e.sameOrigin){var i=r.getResponseHeader("X-NewRelic-App-Data");i&&((0,N.p)(j.mY,["Ajax/CrossApplicationTracing/Header/Seen"],void 0,a.D.metrics,t),e.params.cat=i.split(", ").pop())}e.loadCaptureCalled=!0}t.on("new-xhr",i),t.on("open-xhr-start",o),t.on("open-xhr-end",c),t.on("send-xhr-start",u),t.on("xhr-cb-time",d),t.on("xhr-load-added",l),t.on("xhr-load-removed",f),t.on("xhr-resolved",h),t.on("addEventListener-end",g),t.on("removeEventListener-end",m),t.on("fn-end",b),t.on("fetch-before-start",y),t.on("fetch-start",A),t.on("fn-start",v),t.on("fetch-done",w)}(e,this.ee,this.handler,this.dt),this.importAggregator()}}function oe(e,t){var r=(0,X.e)(t),n=e.params||e;n.hostname=r.hostname,n.port=r.port,n.protocol=r.protocol,n.host=r.hostname+":"+r.port,n.pathname=r.pathname,e.parsedOrigin=r,e.sameOrigin=r.sameOrigin}var ae=i(3614);const{BST_RESOURCE:se,RESOURCE:ce,START:ue,END:de,FEATURE_NAME:le,FN_END:fe,FN_START:he,PUSH_STATE:pe}=ae;var ge=i(7056);class me extends b{static featureName=t.t9;#i;constructor(e,r){let n,i=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,r,t.t9,i),this.replayRunning=!1;try{n=JSON.parse(localStorage.getItem("".concat(ge.Bq,"_").concat(ge.K4)))}catch(e){}(0,g.Rc)(e)&&this.ee.on("recordReplay",(()=>this.#o())),this.#a(n)?(this.#i=n?.sessionReplayMode,this.#s()):this.importAggregator(),this.ee.on("err",(e=>{this.replayRunning&&(this.errorNoticed=!0,(0,N.p)(t.Ef.ERROR_DURING_REPLAY,[e],void 0,this.featureName,this.ee))})),this.ee.on(t.Ef.REPLAY_RUNNING,(e=>{this.replayRunning=e}))}#a(e){return e&&(e.sessionReplayMode===ge.IK.FULL||e.sessionReplayMode===ge.IK.ERROR)||(0,g.rU)(this.agentIdentifier)}#c=!1;async#s(e){if(!this.#c){this.#c=!0;try{const{Recorder:t}=await Promise.all([i.e(111),i.e(433)]).then(i.bind(i,4345));this.recorder??=new t({mode:this.#i,agentIdentifier:this.agentIdentifier,trigger:e,ee:this.ee}),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording}catch(e){}this.importAggregator({recorder:this.recorder,errorNoticed:this.errorNoticed})}}#o(){this.featAggregate?this.featAggregate.mode!==ge.IK.FULL&&this.featAggregate.initializeRecording(ge.IK.FULL,!0):(this.#i=ge.IK.FULL,this.#s(t.pB.API),this.recorder&&this.recorder.parent.mode!==ge.IK.FULL&&(this.recorder.parent.mode=ge.IK.FULL,this.recorder.stopRecording(),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording))}}var ve=i(6216);class be extends b{static featureName=ve.t9;constructor(e,t){let r=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];if(super(e,t,ve.t9,r),!p.il||!s.Yu.MO)return;const n=(0,W.QU)(this.ee),i=(0,W.em)(this.ee),o=()=>(0,N.p)("newURL",[(0,P.z)(),""+window.location],void 0,this.featureName,this.ee);n.on("pushState-end",o),n.on("replaceState-end",o);try{this.removeOnAbort=new AbortController}catch(e){}(0,I.bP)("popstate",(e=>(0,N.p)("newURL",[e.timeStamp,""+window.location],void 0,this.featureName,this.ee)),!0,this.removeOnAbort?.signal);let a=!1;const c=new s.Yu.MO(((e,t)=>{a||(a=!0,requestAnimationFrame((()=>{(0,N.p)("newDom",[(0,P.z)()],void 0,this.featureName,this.ee),a=!1})))})),u=(0,v.D)((e=>{(0,N.p)("newUIEvent",[e],void 0,this.featureName,this.ee),c.observe(document.body,{attributes:!0,childList:!0,subtree:!0,characterData:!0})}),100,{leading:!0});i.on("fn-start",(e=>{let[t]=e;ve.sE.includes(t?.type)&&u(t)}));for(let e of ve.sE)document.addEventListener(e,(()=>{}));this.abortHandler=function(){this.removeOnAbort?.abort(),c.disconnect(),this.abortHandler=void 0},this.importAggregator({domObserver:c})}}var ye=i(7836);const{FEATURE_NAME:Ae,START:we,END:Ee,BODY:_e,CB_END:xe,JS_TIME:Re,FETCH:Se,FN_START:Te,CB_START:Ne,FN_END:Oe}=ye;var Ie=i(4649);class De extends b{static featureName=Ie.t;constructor(e,t){let r=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,t,Ie.t,r),this.importAggregator()}}new class extends o{constructor(t,r){super(r),p._A?(this.sharedAggregator=new _({agentIdentifier:this.agentIdentifier}),this.features={},(0,S.h5)(this.agentIdentifier,this),this.desiredFeatures=new Set(t.features||[]),this.desiredFeatures.add(A),this.runSoftNavOverSpa=[...this.desiredFeatures].some((e=>e.featureName===a.D.softNav)),(0,d.j)(this,t,t.loaderType||"agent"),this.run()):(0,e.Z)("Failed to initialize the agent. Could not determine the runtime environment.")}get config(){return{info:this.info,init:this.init,loader_config:this.loader_config,runtime:this.runtime}}run(){try{const t=u(this.agentIdentifier),r=[...this.desiredFeatures];r.sort(((e,t)=>a.p[e.featureName]-a.p[t.featureName])),r.forEach((r=>{if(!t[r.featureName]&&r.featureName!==a.D.pageViewEvent)return;if(this.runSoftNavOverSpa&&r.featureName===a.D.spa)return;if(!this.runSoftNavOverSpa&&r.featureName===a.D.softNav)return;const n=function(e){switch(e){case a.D.ajax:return[a.D.jserrors];case a.D.sessionTrace:return[a.D.ajax,a.D.pageViewEvent];case a.D.sessionReplay:return[a.D.sessionTrace];case a.D.pageViewTiming:return[a.D.pageViewEvent];default:return[]}}(r.featureName);n.every((e=>e in this.features))||(0,e.Z)("".concat(r.featureName," is enabled but one or more dependent features has not been initialized (").concat((0,T.P)(n),"). This may cause unintended consequences or missing data...")),this.features[r.featureName]=new r(this.agentIdentifier,this.sharedAggregator)}))}catch(t){(0,e.Z)("Failed to initialize all enabled instrument classes (agent aborted) -",t);for(const e in this.features)this.features[e].abortHandler?.();const r=(0,S.fP)();delete r.initializedAgents[this.agentIdentifier]?.api,delete r.initializedAgents[this.agentIdentifier]?.features,delete this.sharedAggregator;return r.ee.get(this.agentIdentifier).abort(),!1}}}({features:[ie,A,C,class extends b{static featureName=le;constructor(e,t){super(e,t,le,!(arguments.length>2&&void 0!==arguments[2])||arguments[2]);if(!(0,m.H)(this.agentIdentifier))return void(0,l.o5)(this.agentIdentifier,this.featureName);const r=this.ee;let n;(0,W.QU)(r),this.eventsEE=(0,W.em)(r),this.eventsEE.on(he,(function(e,t){this.bstStart=(0,P.z)()})),this.eventsEE.on(fe,(function(e,t){(0,N.p)("bst",[e[0],t,this.bstStart,(0,P.z)()],void 0,a.D.sessionTrace,r)})),r.on(pe+ue,(function(e){this.time=(0,P.z)(),this.startPath=location.pathname+location.hash})),r.on(pe+de,(function(e){(0,N.p)("bstHist",[location.pathname+location.hash,this.startPath,this.time],void 0,a.D.sessionTrace,r)}));try{n=new PerformanceObserver((e=>{const t=e.getEntries();(0,N.p)(se,[t],void 0,a.D.sessionTrace,r)})),n.observe({type:ce,buffered:!0})}catch(e){}this.importAggregator({resourceObserver:n})}},me,k,De,B,be,class extends b{static featureName=Ae;constructor(e,t){var r;if(super(e,t,Ae,!(arguments.length>2&&void 0!==arguments[2])||arguments[2]),r=this,!p.il)return;try{this.removeOnAbort=new AbortController}catch(e){}let n,i=0;const o=this.ee.get("tracer"),a=(0,W._L)(this.ee),s=(0,W.Lg)(this.ee),c=(0,W.BV)(this.ee),u=(0,W.Kf)(this.ee),d=this.ee.get("events"),l=(0,W.u5)(this.ee),f=(0,W.QU)(this.ee),h=(0,W.Gm)(this.ee);function g(e,t){f.emit("newURL",[""+window.location,t])}function m(){i++,n=window.location.hash,this[Te]=(0,P.z)()}function v(){i--,window.location.hash!==n&&g(0,!0);var e=(0,P.z)();this[Re]=~~this[Re]+e-this[Te],this[Oe]=e}function b(e,t){e.on(t,(function(){this[t]=(0,P.z)()}))}this.ee.on(Te,m),s.on(Ne,m),a.on(Ne,m),this.ee.on(Oe,v),s.on(xe,v),a.on(xe,v),this.ee.on("fn-err",(function(){for(var t=arguments.length,n=new Array(t),i=0;i<t;i++)n[i]=arguments[i];n[2]?.__newrelic?.[e]||(0,N.p)("function-err",[...n],void 0,r.featureName,r.ee)})),this.ee.buffer([Te,Oe,"xhr-resolved"],this.featureName),d.buffer([Te],this.featureName),c.buffer(["setTimeout"+Ee,"clearTimeout"+we,Te],this.featureName),u.buffer([Te,"new-xhr","send-xhr"+we],this.featureName),l.buffer([Se+we,Se+"-done",Se+_e+we,Se+_e+Ee],this.featureName),f.buffer(["newURL"],this.featureName),h.buffer([Te],this.featureName),s.buffer(["propagate",Ne,xe,"executor-err","resolve"+we],this.featureName),o.buffer([Te,"no-"+Te],this.featureName),a.buffer(["new-jsonp","cb-start","jsonp-error","jsonp-end"],this.featureName),b(l,Se+we),b(l,Se+"-done"),b(a,"new-jsonp"),b(a,"jsonp-end"),b(a,"cb-start"),f.on("pushState-end",g),f.on("replaceState-end",g),window.addEventListener("hashchange",g,(0,I.m$)(!0,this.removeOnAbort?.signal)),window.addEventListener("load",g,(0,I.m$)(!0,this.removeOnAbort?.signal)),window.addEventListener("popstate",(function(){g(0,i>1)}),(0,I.m$)(!0,this.removeOnAbort?.signal)),this.abortHandler=this.#n,this.importAggregator()}#n(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}],loaderType:"spa"})})()})(); </script> <title>Best 5-Year CD Rates for February 2025 | Bankrate</title><meta name="description" content="Find the best 5-year CD rates for your savings goals."><meta property="PageMetadata:PageType" content="rates-results"><meta name="Category" content="cds"><meta name="SubCategories" content="banking"><meta name="pageuuid" content="9c9c19b4-595b-4d4a-abd5-0346aa163a51"><meta name="ContentSrc" content="sb:291885071"><meta name="PageType" content="rates-results"><link rel="canonical" href="https://www.bankrate.com/banking/cds/best-5-year-cd-rates/"><meta name="robots" content="index, follow"><meta property="og:title" content="Best 5-Year CD Rates for February 2025 | Bankrate"><meta property="og:description" content="Find the best 5-year CD rates for your savings goals."><meta property="og:url" content="https://www.bankrate.com/banking/cds/best-5-year-cd-rates/"><meta property="og:site_name" content="Bankrate"><meta name="twitter:card" content="summary"><meta name="twitter:site" content="@bankrate"><meta name="twitter:title" content="Best 5-Year CD Rates for February 2025 | Bankrate"><meta name="twitter:description" content="Find the best 5-year CD rates for your savings goals."><script type="application/ld+json">{"@context":"https://schema.org","@type":"WebPage"}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"Article","headline":"Best 5-Year CD Rates for February 2025 | Bankrate","description":"Find the best 5-year CD rates for your savings goals.","datePublished":"2017-05-23T23:00:00.000Z","dateModified":"2025-01-16T22:00:24.000Z","url":"https://www.bankrate.com/banking/cds/best-5-year-cd-rates/","mainEntity":{"@type":"WebPage","reviewedBy":{"@type":"Person","name":"Allyson Johnson","jobTitle":"Head of investor relations, Gateway Partners","description":"Allyson Johnson leads marketing and fundraising for Gateway Partners. She is a CAIA charter holder and has passed the CFA Level II examination. She is a former member of Bankrate's Expert Review Board.","sameAs":"https://www.linkedin.com/in/allyson-johnson-caia/","url":"https://www.bankrate.com/authors/allyson-johnson/"},"@id":"https://www.bankrate.com/banking/cds/best-5-year-cd-rates/"},"publisher":{"@type":"Organization","name":"Bankrate.com","logo":{"@type":"ImageObject","url":"https://www.bankrate.com/v5.1707.1/next/img/svg/logos/bankrate-wordmark.svg"}},"author":{"@type":"Person","name":"Karen Bennett","jobTitle":"Senior consumer banking reporter","description":"Karen Bennett is a senior consumer banking reporter at Bankrate. She uses her finance writing background to help readers learn more about savings and checking accounts, CDs, and other financial matters.","sameAs":"https://www.linkedin.com/in/karenbennett007/","url":"https://www.bankrate.com/authors/karen-bennett/"},"about":{"@type":"Thing","name":"Banking","sameAs":"CD"},"editor":{"@type":"Person","name":"Yuliya Goldshteyn","jobTitle":"Editor II, Banking","description":"Yuliya Goldshteyn is a banking editor at Bankrate. She’s spent the last three years covering all aspects of consumer banking and specializes in helping people feel confident about their money decisions.","sameAs":"https://www.linkedin.com/in/yulgold/","url":"https://www.bankrate.com/authors/yuliya-goldshteyn/"}}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","name":"Banking","item":{"@type":"Thing","url":"https://www.bankrate.com/banking/","@id":"https://www.bankrate.com/banking/"},"position":1},{"@type":"ListItem","name":"CDs","item":{"@type":"Thing","url":"https://www.bankrate.com/banking/cds/","@id":"https://www.bankrate.com/banking/cds/"},"position":2}]}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"Organization","url":"https://www.bankrate.com/","email":"webmaster@bankrate.com","ethicsPolicy":"https://www.bankrate.com/privacy/","foundingDate":"1976","legalName":"Bank Rate LLC","name":"Bank Rate","address":{"@type":"PostalAddress","addressLocality":"New York, NY","postalCode":"10017","streetAddress":"750 3rd Ave, 28th Floor"},"foundingLocation":{"@type":"Place","name":"New York City, New York, U.S."},"logo":{"@type":"ImageObject","url":"https://www.bankrate.com/v2.828.1/img/logo/bankrate-logo-268x60.jpg"}}</script><meta class="swiftype" name="type" data-type="enum" content="rates-results" /><meta class="swiftype" name="title" data-type="string" content="Best 5-Year CD Rates for February 2025 | Bankrate" /><meta class="swiftype" name="description" data-type="text" content="Find the best 5-year CD rates for your savings goals." /><meta class="swiftype" name="url" data-type="enum" content="https://www.bankrate.com/banking/cds/best-5-year-cd-rates/" /><meta class="swiftype" name="category" data-type="string" content="cds" /><meta class="swiftype" name="category" data-type="string" content="banking" /><meta http-equiv="content-language" content="en-US"> <link rel="icon" href="/favicon.ico"> <link rel="preload" href="https://www.bankrate.com/static/fonts/CircularStd-Book.woff2" as="font" crossorigin> <link rel="preload" href="https://www.bankrate.com/static/fonts/CircularStd-Bold.woff2" as="font" crossorigin> <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin> <link rel="preload" as="style" href="/ext/fonts.googleapis.com/css2?family=Roboto:wght@400;700&display=swap"> <link rel="stylesheet" href="/ext/fonts.googleapis.com/css2?family=Roboto:wght@400;700&display=swap" media="print" onload="this.media='all'"> <noscript> <link rel="stylesheet" href="/ext/fonts.googleapis.com/css2?family=Roboto:wght@400;700&display=swap"> </noscript> <script type="module"> document.documentElement.classList.remove('no-js'); </script> <style type="text/css"> .preampjs [data-preamp], .fusejs [data-fuse] { opacity: 0 !important } </style> <script> ! function(co, h, e, s, i, o, n) { var d = 'documentElement'; var a = 'className'; h[d][a] += ' preampjs fusejs'; n.k = e; co._Cohesion = n; co._Preamp = { k: s, start: new Date }; co._Fuse = { k: i }; co._Tagular = { k: o }; [e, s, i, o].map(function(x) { co[x] = co[x] || function() { (co[x].q = co[x].q || []).push([].slice.call(arguments)) } }); var b = function() { var u = h[d][a]; h[d][a] = u.replace(/ ?preampjs| ?fusejs/g, '') }; h.addEventListener('DOMContentLoaded', function() { co.setTimeout(b, 3e3); co._Preamp.docReady = co._Fuse.docReady = !0 }); var z = h.createElement('script'); z.async = 1; z.src = 'https://cohesion.bankrate.com/cohesion/cohesion-latest.min.js?cDomain=.bankrate.com'; z.onerror = function() { var ce = 'error', f = 'function'; for (var o of co[e].q || []) o[0] === ce && typeof o[1] == f && o[1](); co[e] = function(n, cb) { n === ce && typeof cb == f && cb() }; b() }; h.head.appendChild(z); }(window, document, 'cohesion', 'preamp', 'fuse', 'tagular', { tagular: { reinforce: 'https://navi.bankrate.com', display: ['gpt'], apiKey: '89144c93-5662-4fb8-b8eb-0a2140dc52f0', writeKey: 'wk_2HY72DnK7gi69dEoWAHQTskzorW', sourceKey: 'src_1NT28tRM614f69qC61p7Wxy1iJa', apiHost: 'https://beam.bankrate.com/v2/t', experimentalFeatures: { naviEndpoint: 'https://navi.bankrate.com', identify: true, flocEnabled: true }, taggy: { enabled: true }, multiparty: true, useBeacon: true, beamHook: function(event) { window.dataLayer = window.dataLayer || []; window.dataLayer.push({ "event": event["@type"], "tagularPayload": event }) }, cookieDomain: 'bankrate.com', domainWhitelist: ["banking.qa.bankrate.com","banking.bankrate.com","compare.qa.bankrate.com","compare.bankrate.com","home-equity.bankrate.com","home-equity.qa.bankrate.com","deposits.bankrate.com","deposits.staging.bankrate.com","mortgage.staging.bankrate.com","mortgage.bankrate.com","www.bankrate.com","qa.bankrate.com","ep.bankrate.com","finance.bankrate.com","homes.bankrate.com","homeloans.bankrate.com","homeloans.qa.bankrate.com","rates.bankrate.com","rates.qa.bankrate.com","cards.bankrate.com","offers.bankrate.com","offers.qa.bankrate.com","loans-offers-widget.bankrate.com","loans-offers-widget.qa.bankrate.com"]}, monarch: { endpoint: 'https://monarch.bankrate.com', simulatedEvents: { enabled: true }, sourceId: '18b02819-56c9-4af5-8780-faf726c1ba86', token: '3cad2546-0519-448d-bfa9-7ac038eb9e46', autoRequest: { enabled: true } } }) </script> <link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/index-Cl020ULl.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/pid-Cquk49fA.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/cookie-Cteq0QiY.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/queryParams-LTW4Z-tQ.js" /><script type="module" src="https://www.bankrate.com/v5.1707.1/next/build/assets/index-Cl020ULl.js"></script><script> (function(w, d, s, l, i) { w[l] = w[l] || []; w[l].push({ 'gtm.start': new Date().getTime(), event: 'gtm.js' }); var f = d.getElementsByTagName(s)[0], j = d.createElement(s), dl = l != 'dataLayer' ? '&l=' + l : ''; j.async = true; j.src = 'https://www.googletagmanager.com/gtm.js?id=' + i + dl; f.parentNode.insertBefore(j, f); })(window, document, 'script', 'dataLayer', 'GTM-N74D8C'); </script> <link rel="preload" as="style" href="https://www.bankrate.com/v5.1707.1/next/build/assets/treasury-RvwCJWf_.css" /><link rel="stylesheet" href="https://www.bankrate.com/v5.1707.1/next/build/assets/treasury-RvwCJWf_.css" /><link rel="preload" as="style" href="https://www.bankrate.com/v5.1707.1/next/build/assets/app-YCA-s05K.css" /><link rel="stylesheet" href="https://www.bankrate.com/v5.1707.1/next/build/assets/app-YCA-s05K.css" /><style> .rateTableEditorialIntegrity-content { background-color: rgba(255, 255, 255, 0.1); } .rateTableEditorialIntegrity .Link { color: #AAC7FE; border-bottom-color: #AAC7FE; } </style> <style> .wealthHeaderAsset>div .wysiwyg a { color: var(--color-white); border-bottom-color: var(--color-white); } .wealthHeaderAsset>div .text-green { color: #3FC17B !important; } .wealthHeaderAsset>div .text-red { color: #F19186 !important; } </style> <meta name="next-head-count" content="2"/><script async="" src="https://www.googletagmanager.com/gtag/js?id=AW-1069166532"></script><script async="" src="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/js/gtag.js"></script><link rel="preload" href="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/css/26724a56bccd19b0.css" as="style"/><link rel="stylesheet" href="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/css/26724a56bccd19b0.css" data-n-g=""/><link rel="preload" href="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/css/c62543930dba9949.css" as="style"/><link rel="stylesheet" href="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/css/c62543930dba9949.css" data-n-p=""/><noscript data-n-css=""></noscript><script defer="" nomodule="" src="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/chunks/polyfills-42372ed130431b0a.js"></script><script src="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/chunks/webpack-91e4d7af6dfda032.js" defer=""></script><script src="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/chunks/framework-e952fed463eb8e34.js" defer=""></script><script src="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/chunks/main-31b1f23b8749f0e6.js" defer=""></script><script src="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/chunks/pages/_app-bae9b0ff54e7f5c3.js" defer=""></script><script src="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/chunks/fec483df-ea470e9787cc9c75.js" defer=""></script><script src="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/chunks/4b358913-bc2fb375bb992c8b.js" defer=""></script><script src="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/chunks/687-67631afc4d60fcf0.js" defer=""></script><script src="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/chunks/605-be12edcc5dc2e979.js" defer=""></script><script src="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/chunks/pages/v2-4d460a2e097197cd.js" defer=""></script><script src="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/build-id/_buildManifest.js" defer=""></script><script src="https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3/_next/static/build-id/_ssgManifest.js" defer=""></script><style> .bankrate-insight .mb-0-last-child .wysiwyg> :last-child { margin-bottom: 0; } </style> </head> <body class="" > <noscript><iframe src="//www.googletagmanager.com/ns.html?id=GTM-N74D8C" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <a class="visually-hidden" href="#main-content">Skip to Main Content</a> <header class="SiteNav" data-cy="siteNavHeader" role="banner" aria-label="Use tab key to navigate through the options." x-data="siteNav()" x-ref="siteHeader" x-init="init()" x-on:resize.window="windowResized()" data-js-selector="nav" data-swiftype-index="false"> <div class="SiteNav-bar"> <div class="SiteNav-wrapper"> <a class="SiteNav-logo"href="https://www.bankrate.com/" aria-label="Home" tabindex="0" @keydown.tab="keyDownSiteNavLogo()" x-ref="siteNavLogo" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="0" data-text="Bankrate" data-outcome="send to homepage" > <svg width="100" height="20" viewBox="0 0 400 80" xmlns="http://www.w3.org/2000/svg" focusable="false"> <title>Bankrate</title> <g fill="#151515"> <path d="m100.16 78.16v-8.16h-.16c-3.75 6.26-10.42 9.5-18 9.5-15.45 0-28-11.63-28-26.88 0-16.87 12.12-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.19v-7.44h9.91v52.81zm.19-26.31c0-10.29-7.44-18.85-18.41-18.85-9.91 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.58 18.58 0 0 0 18.41-18.62z"/> <path d="m155.19 78.16v-28.78c0-11.16-4.38-16.4-13.16-16.4s-13.92 6.39-13.92 16.31v28.89h-9.92v-52.83h9.25v5.65h.19c3.9-5 9.35-7 15.45-7 12.68 0 22 8 22 22.6v31.58h-9.9z"/> <path d="m300.12 78.16v-8.16h-.18c-3.72 6.29-10.4 9.53-17.93 9.53-15.45 0-28-11.63-28-26.88 0-16.87 12.1-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.18v-7.47h9.85v52.81zm.19-26.31c0-10.29-7.44-18.87-18.4-18.87-9.92 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.57 18.57 0 0 0 18.4-18.6z"/> <path d="m325.11 78.16v-43.75h-7.11v-9.06h7.15v-17.73h9.85v17.73h8.68v9.06h-8.68v43.75z"/> <path d="m356 56.05c2.29 8.76 9.25 14.4 17.36 14.4a17 17 0 0 0 15.06-8.87h9.91a27.08 27.08 0 0 1 -25.41 17.92c-14.87 0-26.92-13.16-26.92-27.27 0-16.68 12.58-28.32 26.6-28.32a26.9 26.9 0 0 1 27.4 27.17 29.4 29.4 0 0 1 -.29 5h-43.71zm34.13-7.62c-.75-9-8.67-15.45-17.16-15.45-8.11 0-16.21 6.39-17 15.45z"/> <path d="m42 39.88a22.68 22.68 0 0 0 -4.89-3.79 18.39 18.39 0 0 0 1.73-2 21 21 0 0 0 4-14 21.57 21.57 0 0 0 -6.2-13.85 22 22 0 0 0 -15.96-6.24h-20.68v79.5h24.34c9.13 0 14.75-4 17.87-7.39a23.6 23.6 0 0 0 6.18-16.11 22.89 22.89 0 0 0 -6.39-16.12zm-21.32-30.61c8.37 0 12.5 5.75 12.88 11.43a11.49 11.49 0 0 1 -9.71 11.93h-14.58v-23.36zm3.65 61h-15.06v-28.37h13.73c11.89 0 16.1 7.6 16.1 14.11-.01 6.84-4.62 14.22-14.77 14.22z"/> <path d="m245.87 25.39c-9.38-.7-13 4-13 4v-4h-9.87v52.77h9.91v-29.64a20.28 20.28 0 0 1 1-6.37c2.14-6.48 9.16-8.56 16-6l4.09-8.7a22.74 22.74 0 0 0 -8.13-2.06z"/> <path d="m173.07 7.62h9.92v70.55h-9.92z"/> <path d="m205.26 78.16-21.88-26.43 19.62-26.38h11.21l-19.31 26.38 22.05 26.43z"/> </g> </svg></a> <nav class="SiteNavCategories" x-ref="siteNavCategories" data-cy="siteNav" role="navigation" aria-label="main" @keydown.esc="() => {closeNav(); $refs.siteNavMenuButton.focus();}"> <ul class="SiteNavCategories-list" :aria-label="isMobile ? 'Use the up and down arrows to navigate through the top-level links. Alternatively, you can press the escape key to close the menu.' : 'Use the right and left arrows to navigate through the top-level links and the up and down arrows to navigate through the submenu tabs. Alternatively, you can press the end key to jump to the search toggle, and the escape key to close the menu.'"> <li x-cloak class="SiteNavCategory" id="category-1" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/banking/" data-js-selector="siteNavCategorylink1" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 1, 7);" @keydown.right.prevent="keydownCategory('right', 1, 7);" @keydown.left.prevent="keydownCategory('left', 1, 7);" @keydown.down.prevent="keydownCategory('down', 1, 7);" @keydown.up.prevent="keydownCategory('up', 1, 7);" @keydown.home.prevent="keydownCategory('home', 1, 7);" @keydown.end.prevent="keydownCategory('end', 1, 7);" @keydown.space.prevent="keydownCategory('space', 1, 7);" @keydown.enter.prevent="keydownCategory('enter', 1, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="1" data-text="Banking" data-outcome="send to banking hub" > <span class="SiteNavCategory-label"> Banking</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-banking" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="1" data-text="Banking" data-outcome="open default banking container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="banking-tablist" class="SiteNavSubcategory-categoryTitle"> Banking</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="banking-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Checking & savings" data-position="1"> Checking & savings<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="CDs" data-position="2"> CDs<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Money market" data-position="3"> Money market<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Banks" data-position="4"> Banks<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts" > Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/small-business/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts" > Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best checking accounts" data-outcome="send to Best checking accounts" > Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link" > Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link" > All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link" > Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link" > Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates" > Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates" > Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates" > Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates" > Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link" > CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link" > CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link" > CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link" > CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link" > Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link" > Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link" > How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link" > MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2025/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2025" data-outcome="send to link" > Best banks of 2025</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="3" data-text="Bank reviews" data-outcome="send to link" > Bank reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/federal-reserve/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="4" data-text="Federal Reserve news " data-outcome="send to link" > Federal Reserve news </a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/capital-one/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="1" data-text="Capital One review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Capital One review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Capital One Bank</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/marcus/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Refinance rates" data-outcome="send to Refinance rates" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="Cash-out refinance rates" data-outcome="send to Cash-out refinance rates" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="30-year refinance rates" data-outcome="send to 30-year refinance rates" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="15-year refinance rates" data-outcome="send to 15-year refinance rates" > 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link" > Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link" > Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link" > Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link" > Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link" > Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="2" data-text="Cost of living calculator" data-outcome="send to link" > Cost of living calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/how-much-is-my-house-worth/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="3" data-text="How much is my house worth?" data-outcome="send to link" > How much is my house worth?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="4" data-text="Real estate resources" data-outcome="send to link" > Real estate resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-buy-a-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory link" data-position="1" data-text="Buying a home" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/08fb8be334/buying-a-home.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Buying a home</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/real-estate/how-to-sell-your-house/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory link" data-position="2" data-text="Selling a home" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3b255b330e/selling-a-home-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Selling a home</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - desktop nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-3" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/investing/" data-js-selector="siteNavCategorylink3" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 3, 7);" @keydown.right.prevent="keydownCategory('right', 3, 7);" @keydown.left.prevent="keydownCategory('left', 3, 7);" @keydown.down.prevent="keydownCategory('down', 3, 7);" @keydown.up.prevent="keydownCategory('up', 3, 7);" @keydown.home.prevent="keydownCategory('home', 3, 7);" @keydown.end.prevent="keydownCategory('end', 3, 7);" @keydown.space.prevent="keydownCategory('space', 3, 7);" @keydown.enter.prevent="keydownCategory('enter', 3, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="3" data-text="Investing" data-outcome="send to investing hub" > <span class="SiteNavCategory-label"> Investing</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-investing" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="3" data-text="Investing" data-outcome="open default investing container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="investing-tablist" class="SiteNavSubcategory-categoryTitle"> Investing</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="investing-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Investing" data-position="1"> Investing<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Retirement" data-position="2"> Retirement<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Financial advising" data-position="3"> Financial advising<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/investing/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Investing hub link - mobile nav" data-position="bottom" data-text="Explore all Investing resources" data-outcome="send to link" > Explore all investing resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Investing category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Investing</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare investments</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/best-investments/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="1" data-text="Best investments" data-outcome="send to Best investments" > Best investments</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/best-index-funds/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="2" data-text="Best index funds" data-outcome="send to Best index funds" > Best index funds</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/best-long-term-investments/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="3" data-text="Best long-term investments" data-outcome="send to Best long-term investments" > Best long-term investments</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/best-short-term-investments/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="4" data-text="Best short-term investments" data-outcome="send to Best short-term investments" > Best short-term investments</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/investing/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Investing subcategory featured link" data-position="1" data-text="All investing calculators" data-outcome="send to link" > All investing calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/brokerage-reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Investing subcategory featured link" data-position="2" data-text="Brokerage reviews" data-outcome="send to link" > Brokerage reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/roboadvisor-reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Investing subcategory featured link" data-position="3" data-text="Robo-advisor reviews" data-outcome="send to link" > Robo-advisor reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/low-risk-investments/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Investing subcategory featured link" data-position="4" data-text="Low risk investments" data-outcome="send to link" > Low risk investments</a> </li> <li> <a class="SiteNavSecondaryLink" href="/taxes/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Investing subcategory featured link" data-position="5" data-text="Tax resources" data-outcome="send to link" > Tax resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/investing/passive-income-ideas/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Investing nav - Investing subcategory link" data-position="1" data-text="Passive income ideas" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3cfd293f15/passive-income-ideas-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3cfd293f15/passive-income-ideas-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3cfd293f15/passive-income-ideas-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Passive income ideas</span> <span class="SiteNavFeaturedLink-supportText">26 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/investing/how-to-start-investing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Investing nav - Investing subcategory link" data-position="2" data-text="How to start investing" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start investing</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare plans</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/retirement/best-retirement-plans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="1" data-text="Best retirement plans" data-outcome="send to Best retirement plans" > Best retirement plans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/retirement/best-ira-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="2" data-text="Best IRA accounts" data-outcome="send to Best IRA accounts" > Best IRA accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/best-roth-ira/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="3" data-text="Best Roth IRA accounts" data-outcome="send to Best Roth IRA accounts" > Best Roth IRA accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/retirement/best-places-to-rollover-401k/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Investing anchor link" data-position="4" data-text="Best 401(k) rollover options" data-outcome="send to Best 401(k) rollover options" > Best 401(k) rollover options</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/retirement/401-k-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Retirement subcategory featured link" data-position="1" data-text="401(k) calculator" data-outcome="send to link" > 401(k) calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/retirement/retirement-plan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Retirement subcategory featured link" data-position="2" data-text="Retirement plan calculator" data-outcome="send to link" > Retirement plan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/retirement/roth-ira-plan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Retirement subcategory featured link" data-position="3" data-text="Roth IRA calculator" data-outcome="send to link" > Roth IRA calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/retirement/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Retirement subcategory featured link" data-position="4" data-text="All retirement calculators" data-outcome="send to link" > All retirement calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/retirement/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Retirement subcategory featured link" data-position="5" data-text="Retirement resources" data-outcome="send to link" > Retirement resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/retirement/best-and-worst-states-for-retirement/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Investing nav - Retirement subcategory link" data-position="1" data-text="Best & worst states for retirement" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/59a3f533a8/best-worst-states-for-retirement-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/59a3f533a8/best-worst-states-for-retirement-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/59a3f533a8/best-worst-states-for-retirement-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best & worst states for retirement</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/retirement/how-to-save-for-retirement/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Investing nav - Retirement subcategory link" data-position="2" data-text="How to save for retirement" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a6b1dc15ca/how-to-save-for-retirement-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a6b1dc15ca/how-to-save-for-retirement-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a6b1dc15ca/how-to-save-for-retirement-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to save for retirement</span> <span class="SiteNavFeaturedLink-supportText">15 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Finding an advisor</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/financial-advisors/financial-advisor-matching/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Financial advising anchor link" data-position="1" data-text="Find a financial advisor" data-outcome="send to Find a financial advisor" > Find a financial advisor</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/financial-advisors/best-financial-advisors/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Financial advising anchor link" data-position="2" data-text="Best financial advisors" data-outcome="send to Best financial advisors" > Best financial advisors</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/financial-advisors/how-to-choose-a-financial-advisor/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Financial advising anchor link" data-position="3" data-text="How to choose a financial advisor" data-outcome="send to How to choose a financial advisor" > How to choose a financial advisor</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/investing/financial-advisors/financial-advisor-vs-financial-planner/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Financial advising anchor link" data-position="4" data-text="Financial planner vs advisor" data-outcome="send to Financial planner vs advisor" > Financial planner vs advisor</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/investing/financial-advisors/what-is-financial-planning/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory featured link" data-position="1" data-text="What is financial planning?" data-outcome="send to link" > What is financial planning?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/financial-advisors/what-is-a-fiduciary/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory featured link" data-position="2" data-text="What is a fiduciary?" data-outcome="send to link" > What is a fiduciary?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/financial-advisors/what-is-a-certified-financial-planner/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory featured link" data-position="3" data-text="What is a CFP?" data-outcome="send to link" > What is a CFP?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/financial-advisors/what-is-wealth-management/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory featured link" data-position="4" data-text="What is wealth management?" data-outcome="send to link" > What is wealth management?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/investing/financial-advisors/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory featured link" data-position="5" data-text="Financial advisor resources" data-outcome="send to link" > Financial advisor resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/investing/financial-advisors/when-to-get-a-financial-advisor/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory link" data-position="1" data-text="When to get an advisor" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/1cdbf65950/what-is-wealth-management-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/1cdbf65950/what-is-wealth-management-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/1cdbf65950/what-is-wealth-management-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">When to get an advisor</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/investing/financial-advisors/pros-cons-financial-advisor/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Investing nav - Financial advising subcategory link" data-position="2" data-text="Pros & cons of financial advising" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Pros & cons of financial advising</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/investing/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Investing hub link - desktop nav" data-position="bottom" data-text="Explore all Investing resources" data-outcome="send to link" > Explore all investing resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-4" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/credit-cards/" data-js-selector="siteNavCategorylink4" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 4, 7);" @keydown.right.prevent="keydownCategory('right', 4, 7);" @keydown.left.prevent="keydownCategory('left', 4, 7);" @keydown.down.prevent="keydownCategory('down', 4, 7);" @keydown.up.prevent="keydownCategory('up', 4, 7);" @keydown.home.prevent="keydownCategory('home', 4, 7);" @keydown.end.prevent="keydownCategory('end', 4, 7);" @keydown.space.prevent="keydownCategory('space', 4, 7);" @keydown.enter.prevent="keydownCategory('enter', 4, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="4" data-text="Credit cards" data-outcome="send to credit cards hub" > <span class="SiteNavCategory-label"> Credit cards</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-credit-cards" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="4" data-text="Credit cards" data-outcome="open default credit cards container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="credit-cards-tablist" class="SiteNavSubcategory-categoryTitle"> Credit cards</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="credit-cards-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Cards by category" data-position="1"> Cards by category<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Cards by credit" data-position="2"> Cards by credit<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Tools & reviews" data-position="3"> Tools & reviews<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Guides & resources" data-position="4"> Guides & resources<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2025" data-outcome="send to Best cards of 2025" > Best cards of 2025</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards" > Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards" > Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards" > Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards" > Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards" > Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards" > Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards" > Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link" > Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link" > Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link" > Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link" > Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link" > Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link" > Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link" > Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="credit-cards/tools/points-and-miles-calculator" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="Points and miles calculator" data-outcome="send to link" > Points and miles calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="5" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target="" > Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target="" > Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target="" > Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target="" > Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="1" data-text="Small business loans resources" data-outcome="send to link" > Small business loans resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="2" data-text="Small business loan reviews" data-outcome="send to link" > Small business loan reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/business-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="3" data-text="Small business loan calculator" data-outcome="send to link" > Small business loan calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/small-business/how-do-small-business-loans-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory link" data-position="1" data-text="How small business loans work" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How small business loans work</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/small-business/how-to-get-a-business-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory link" data-position="2" data-text="How to get a business loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a business loan</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - desktop nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-6" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/home-equity/" data-js-selector="siteNavCategorylink6" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 6, 7);" @keydown.right.prevent="keydownCategory('right', 6, 7);" @keydown.left.prevent="keydownCategory('left', 6, 7);" @keydown.down.prevent="keydownCategory('down', 6, 7);" @keydown.up.prevent="keydownCategory('up', 6, 7);" @keydown.home.prevent="keydownCategory('home', 6, 7);" @keydown.end.prevent="keydownCategory('end', 6, 7);" @keydown.space.prevent="keydownCategory('space', 6, 7);" @keydown.enter.prevent="keydownCategory('enter', 6, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="6" data-text="Home equity" data-outcome="send to home equity hub" > <span class="SiteNavCategory-label"> Home equity</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-home-equity" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="6" data-text="Home equity" data-outcome="open default home equity container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="home-equity-tablist" class="SiteNavSubcategory-categoryTitle"> Home equity</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="home-equity-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="HELOC" data-position="1"> HELOC<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Home equity loans" data-position="2"> Home equity loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - desktop nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-7" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/insurance/" data-js-selector="siteNavCategorylink7" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 7, 7);" @keydown.right.prevent="keydownCategory('right', 7, 7);" @keydown.left.prevent="keydownCategory('left', 7, 7);" @keydown.down.prevent="keydownCategory('down', 7, 7);" @keydown.up.prevent="keydownCategory('up', 7, 7);" @keydown.home.prevent="keydownCategory('home', 7, 7);" @keydown.end.prevent="keydownCategory('end', 7, 7);" @keydown.space.prevent="keydownCategory('space', 7, 7);" @keydown.enter.prevent="keydownCategory('enter', 7, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="7" data-text="Insurance" data-outcome="send to insurance hub" > <span class="SiteNavCategory-label"> Insurance</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-insurance" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="7" data-text="Insurance" data-outcome="open default insurance container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="insurance-tablist" class="SiteNavSubcategory-categoryTitle"> Insurance</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="insurance-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto insurance" data-position="1"> Auto insurance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Home insurance" data-position="2"> Home insurance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Life insurance" data-position="3"> Life insurance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/insurance/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Insurance hub link - mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="1" data-text="Kin insurance review" data-outcome="send to link" > Kin insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/hippo-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="2" data-text="Hippo insurance review" data-outcome="send to link" > Hippo insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/lemonade/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="3" data-text="Lemonade insurance review" data-outcome="send to link" > Lemonade insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/citizens-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="4" data-text="Citizens insurance review" data-outcome="send to link" > Citizens insurance review</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/homeowners-insurance/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory link" data-position="1" data-text="Home insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8af9dfc8a2/home-insurance-by-state-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8af9dfc8a2/home-insurance-by-state-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8af9dfc8a2/home-insurance-by-state-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/homeowners-insurance/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory link" data-position="2" data-text="Home insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e85a91b40b/how-much-is-home-insurance-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e85a91b40b/how-much-is-home-insurance-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e85a91b40b/how-much-is-home-insurance-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about home insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement))) }" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare companies </p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/life-insurance/life-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much does life insurance cost?</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/life-insurance/best-life-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best life insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/life-insurance/life-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Life insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/life-insurance/cheap-life-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest life insurance companies</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/globe-life/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory featured link" data-position="1" data-text="Globe Life insurance review" data-outcome="send to link" > Globe Life insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/colonial-penn/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory featured link" data-position="2" data-text="Colonial Penn insurance review" data-outcome="send to link" > Colonial Penn insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/ladder-life-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory featured link" data-position="3" data-text="Ladder life insurance review" data-outcome="send to link" > Ladder life insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/ethos/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory featured link" data-position="4" data-text="Ethos life insurance review" data-outcome="send to link" > Ethos life insurance review</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/life-insurance/life-insurance-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory link" data-position="1" data-text="Life insurance calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8b7ce45a3a/whole-life-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8b7ce45a3a/whole-life-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8b7ce45a3a/whole-life-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Life insurance calculator</span> <span class="SiteNavFeaturedLink-supportText">How much do you need?</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/life-insurance/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Life insurance subcategory link" data-position="2" data-text="Life insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/f61af7d73a/term-life-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/f61af7d73a/term-life-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/f61af7d73a/term-life-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Life insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about life insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/insurance/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Insurance hub link - desktop nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> </ul> <svg class="SiteNav-logo--mobile" width="100" height="20" viewBox="0 0 400 80" xmlns="http://www.w3.org/2000/svg" focusable="false"> <title>Bankrate</title> <g fill="#151515"> <path d="m100.16 78.16v-8.16h-.16c-3.75 6.26-10.42 9.5-18 9.5-15.45 0-28-11.63-28-26.88 0-16.87 12.12-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.19v-7.44h9.91v52.81zm.19-26.31c0-10.29-7.44-18.85-18.41-18.85-9.91 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.58 18.58 0 0 0 18.41-18.62z"/> <path d="m155.19 78.16v-28.78c0-11.16-4.38-16.4-13.16-16.4s-13.92 6.39-13.92 16.31v28.89h-9.92v-52.83h9.25v5.65h.19c3.9-5 9.35-7 15.45-7 12.68 0 22 8 22 22.6v31.58h-9.9z"/> <path d="m300.12 78.16v-8.16h-.18c-3.72 6.29-10.4 9.53-17.93 9.53-15.45 0-28-11.63-28-26.88 0-16.87 12.1-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.18v-7.47h9.85v52.81zm.19-26.31c0-10.29-7.44-18.87-18.4-18.87-9.92 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.57 18.57 0 0 0 18.4-18.6z"/> <path d="m325.11 78.16v-43.75h-7.11v-9.06h7.15v-17.73h9.85v17.73h8.68v9.06h-8.68v43.75z"/> <path d="m356 56.05c2.29 8.76 9.25 14.4 17.36 14.4a17 17 0 0 0 15.06-8.87h9.91a27.08 27.08 0 0 1 -25.41 17.92c-14.87 0-26.92-13.16-26.92-27.27 0-16.68 12.58-28.32 26.6-28.32a26.9 26.9 0 0 1 27.4 27.17 29.4 29.4 0 0 1 -.29 5h-43.71zm34.13-7.62c-.75-9-8.67-15.45-17.16-15.45-8.11 0-16.21 6.39-17 15.45z"/> <path d="m42 39.88a22.68 22.68 0 0 0 -4.89-3.79 18.39 18.39 0 0 0 1.73-2 21 21 0 0 0 4-14 21.57 21.57 0 0 0 -6.2-13.85 22 22 0 0 0 -15.96-6.24h-20.68v79.5h24.34c9.13 0 14.75-4 17.87-7.39a23.6 23.6 0 0 0 6.18-16.11 22.89 22.89 0 0 0 -6.39-16.12zm-21.32-30.61c8.37 0 12.5 5.75 12.88 11.43a11.49 11.49 0 0 1 -9.71 11.93h-14.58v-23.36zm3.65 61h-15.06v-28.37h13.73c11.89 0 16.1 7.6 16.1 14.11-.01 6.84-4.62 14.22-14.77 14.22z"/> <path d="m245.87 25.39c-9.38-.7-13 4-13 4v-4h-9.87v52.77h9.91v-29.64a20.28 20.28 0 0 1 1-6.37c2.14-6.48 9.16-8.56 16-6l4.09-8.7a22.74 22.74 0 0 0 -8.13-2.06z"/> <path d="m173.07 7.62h9.92v70.55h-9.92z"/> <path d="m205.26 78.16-21.88-26.43 19.62-26.38h11.21l-19.31 26.38 22.05 26.43z"/> </g> </svg></nav> <div class="SiteNav-rightLinks"> <button @click="toggleSearch" x-ref="siteNavSearchButton" class="SiteNavSearch" :class="{ 'is-active': isSearchOpen }" :aria-label="(isSearchOpen ? 'Close search modal' : 'Open search modal') + (!isMobile ? ' or press the home key to return to the main menu' : '')" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="search" data-position="top" data-text="open search" data-outcome="link to search" tabindex="0" @keydown.shift.tab="isMobile && ($event.preventDefault() || $refs.siteNavLogo.focus())" @keydown.home.prevent="!isMobile && document.body.querySelector('[data-js-selector=siteNavCategorylink1]').focus()"> <svg class="Icon Icon--sm SiteNavSearch-magnifyingGlass" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Search Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M10.312 1.5C5.702 1.5 2 5.28 2 10c0 4.72 3.703 8.5 8.312 8.5a8.18 8.18 0 0 0 4.648-1.44l4.947 5.11c.428.44 1.125.44 1.553 0l.219-.22c.428-.38.428-1.1 0-1.54l-4.917-5.03A8.611 8.611 0 0 0 18.623 10c0-4.72-3.753-8.5-8.311-8.5Zm0 2.19c3.374 0 6.161 2.85 6.161 6.31 0 3.46-2.787 6.31-6.161 6.31-3.375 0-6.162-2.85-6.162-6.31 0-3.46 2.737-6.31 6.162-6.31Z" class="icon-base"/></svg><svg class="Icon Icon--xs SiteNavSearch-xButton" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg></button> <button id="SiteNavMenuButton" x-ref="siteNavMenuButton" @click="toggleNav" class="SiteNav-hamburger" tabindex="0" :aria-label="isNavOpen ? 'Close menu' : 'Open menu'" @keydown.shift.tab.prevent="$refs.siteNavSearchButton.focus()" @keydown.tab="keydownMenuButton" @keydown.right="keydownMenuButton" @keydown.down="keydownMenuButton" @keydown.esc="isNavOpen && closeNav()" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="hamburger menu" data-position="top" data-text="toggle hamburger menu" data-outcome="toggle hamburger menu" > <div class="SiteNav-hamburgerBars"></div> </button> </div> </div> <div class="SiteNav-overlay" x-ref="siteNavOverlayHeader" @click="closeNav" :class="{ 'is-active': isNavOpen }"></div> </div> <div class="SiteNav-overlay" x-ref="siteNavOverlay" @click="closeNav" :class="{ 'is-active': isNavOpen }"></div> <div class="SiteNavSearch-container" :class="{ 'is-active': isSearchOpen }" data-js-selector="global-search-filter" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="search flyout" data-position="top" data-text="open search flyout" data-outcome="open search flyout container" > <form class="SiteNavSearch-form" name="search bar" type="search" action="https://www.bankrate.com/search/"> <div> <div> <input type="text" id="siteSearchInput" x-ref="siteSearchInput" x-trap="(isSearchOpen && $refs.siteSearchInput.focus() === false)" @keydown.shift.tab="toggleSearch()" @keydown.esc="toggleSearch()" class="FormInput SiteNavSearch-input" name="q" placeholder="What can we help you find?" value="" autocomplete="off" aria-label="Search Bankrate" data-beam-field-inputted-no-pii data-label="Search Bankrate" :tabindex="isSearchOpen ? 0 : -1"> </div> <div> <button type="submit" class="SiteNavSearch-submit" data-js-selector="nav-search-submit-btn" :tabindex="isSearchOpen ? 0 : -1"> <span class="visually-hidden">Submit</span> <svg class="Icon Icon--sm" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Search Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M10.312 1.5C5.702 1.5 2 5.28 2 10c0 4.72 3.703 8.5 8.312 8.5a8.18 8.18 0 0 0 4.648-1.44l4.947 5.11c.428.44 1.125.44 1.553 0l.219-.22c.428-.38.428-1.1 0-1.54l-4.917-5.03A8.611 8.611 0 0 0 18.623 10c0-4.72-3.753-8.5-8.311-8.5Zm0 2.19c3.374 0 6.161 2.85 6.161 6.31 0 3.46-2.787 6.31-6.161 6.31-3.375 0-6.162-2.85-6.162-6.31 0-3.46 2.737-6.31 6.162-6.31Z" class="icon-base"/></svg></button> </div> </div> </form> </div> </header> <div id="preamp-after-nav-placement"></div> <div data-monarch-slot="afterNavigationSlot" data-content-strategy="append"></div> <link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/siteNav-1CzMPlbm.js" /><script type="module" src="https://www.bankrate.com/v5.1707.1/next/build/assets/siteNav-1CzMPlbm.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/legacyNavBinding-CTP0_v7I.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/bindings-ayichnEY.js" /><script type="module" src="https://www.bankrate.com/v5.1707.1/next/build/assets/legacyNavBinding-CTP0_v7I.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/web-vitals-CNPlK9eZ.js" /><script type="module" src="https://www.bankrate.com/v5.1707.1/next/build/assets/web-vitals-CNPlK9eZ.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/monarch-Ynma6bbP.js" /><script type="module" src="https://www.bankrate.com/v5.1707.1/next/build/assets/monarch-Ynma6bbP.js"></script><div id="main-content"> <main> <section id="" class="section-wrapper trsy-bg-[--bg-color] bg-blue-dark py-6 trsy-py-[--py] gutter gutter" style="--py: 1.5rem; --bg-color: var(--color-blue-dark);"> <div class="wrapper wrapper"> <div class="RateTableHeaderV5 RateTableHeaderV5-contentContainer text-white"> <div class="RateTableHeaderV5-heading md:col-span-3"> <div class="display-flex flex-wrap"> <div class="mr-auto"> <nav data-cy="breadcrumb" aria-label="Breadcrumb"> <ol class="Breadcrumb mb-4"> <li class="Breadcrumb-itemContainer"> <a class="Breadcrumb-item text-blue-200" href="https://www.bankrate.com/banking/"> Banking</a> </li> <li class="Breadcrumb-itemContainer"> <a class="Breadcrumb-item text-blue-200" href="https://www.bankrate.com/banking/cds/"> CDs</a> </li> <li class="Breadcrumb-itemContainer"> <span class="Breadcrumb-item is-active text-blue-200 text-white trsy-text-[--text-color]" style="--text-color: var(--color-white);" aria-current="page"> 5 Year CD rates</span> </li> </ol> </nav> </div> </div> <div data-cy="" class="Headline w-full"> <h1 class="type-heading-one trsy-heading-1 text-white"> Best 5-year CD rates for February 2025 </h1> </div> </div> <div class="RateTableHeaderV5-content display-flex flex-direction-column flex-nowrap RateTableHeaderV5-content--hasRightContent gap-3 lg:gap-4 lg:flex-direction-row"> <div class="RateTableHeaderV5-content-left display-flex flex-direction-column gap-4"> <div data-cy="byline" x-data="{ expanded: false }" class="Byline display-flex flex-wrap gap-y-4 align-items-center"> <div class="Byline-user display-flex align-items-center"> <img srcset="https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 pos-relative z-layer-one flex-shrink-0" alt=""> <span> <span class="text-white trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-white);">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('HnfBBf')" x-bind="container"> <button class="Tooltip-trigger text-link text-white trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-white);"type="button" id="tooltip-trigger-HnfBBf" aria-controls="tooltip-content-HnfBBf" x-bind="trigger"> Karen Bennett</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-HnfBBf" aria-hidden="true" aria-labelledby="tooltip-trigger-HnfBBf" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/07/01152801/Karen_Bennett_headshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/karen-bennett/" class="Link Link--standalone text-black"> Karen Bennett</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior consumer banking reporter</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Banking</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Karen Bennett is a senior consumer banking reporter at Bankrate. She uses her finance writing background to help readers learn more about savings and checking accounts, CDs, and other financial matters.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/karen-bennett/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/Karen0077" target="_blank" rel="nofollow" aria-label="Connect with Karen Bennett on Twitter" data-beam-element-clicked id="author_bio_karen_bennett_twitter_icon" data-type="icon" data-location="author_bio_karen_bennett" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 2.86h2.841l5.337 7.473.827 1.162 6.93 9.71h-2.84l-5.658-7.931Z" class="icon-base"/></svg></a> </li> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/karenbennett007/" target="_blank" rel="nofollow" aria-label="Connect with Karen Bennett on LinkedIn" data-beam-element-clicked id="author_bio_karen_bennett_linkedin_icon" data-type="icon" data-location="author_bio_karen_bennett" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a href="https://www.bankrate.com/authors/karen-bennett/" class="text-link text-white trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-white);">Karen Bennett</a> </div> </span> </div> <div class="Byline-user "> <img srcset="https://www.bankrate.com/brp/2024/12/10121057/headshot1-1.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/12/10121057/headshot1-1.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/12/10121057/headshot1-1.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/12/10121057/headshot1-1.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-white trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-white);">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('QbbM5O')" x-bind="container"> <button class="Tooltip-trigger text-link text-white trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-white);"type="button" id="tooltip-trigger-QbbM5O" aria-controls="tooltip-content-QbbM5O" x-bind="trigger"> Yuliya Goldshteyn</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-QbbM5O" aria-hidden="true" aria-labelledby="tooltip-trigger-QbbM5O" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/brp/2024/12/10121057/headshot1-1.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/12/10121057/headshot1-1.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/12/10121057/headshot1-1.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/12/10121057/headshot1-1.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/yuliya-goldshteyn/" class="Link Link--standalone text-black"> Yuliya Goldshteyn</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Editor II, Banking</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Consumer banking</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Yuliya Goldshteyn is a banking editor at Bankrate. She’s spent the last three years covering all aspects of consumer banking and specializes in helping people feel confident about their money decisions.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/yuliya-goldshteyn/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/yulgold/" target="_blank" rel="nofollow" aria-label="Connect with Yuliya Goldshteyn on LinkedIn" data-beam-element-clicked id="author_bio_yuliya_goldshteyn_linkedin_icon" data-type="icon" data-location="author_bio_yuliya_goldshteyn" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a href="https://www.bankrate.com/authors/yuliya-goldshteyn/" class="text-link text-white trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-white);">Yuliya Goldshteyn</a> </div> </span> </div> <div class="Byline-user "> <img srcset="https://www.bankrate.com/2021/04/06144642/allyson-johnson-edit.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/06144642/allyson-johnson-edit.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/06144642/allyson-johnson-edit.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/06144642/allyson-johnson-edit.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-white trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-white);">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('aSQoBK')" x-bind="container"> <button class="Tooltip-trigger text-link text-white trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-white);"type="button" id="tooltip-trigger-aSQoBK" aria-controls="tooltip-content-aSQoBK" x-bind="trigger"> Allyson Johnson</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-aSQoBK" aria-hidden="true" aria-labelledby="tooltip-trigger-aSQoBK" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2021/04/06144642/allyson-johnson-edit.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/04/06144642/allyson-johnson-edit.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/04/06144642/allyson-johnson-edit.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/04/06144642/allyson-johnson-edit.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/allyson-johnson/" class="Link Link--standalone text-black"> Allyson Johnson</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Head of investor relations, Gateway Partners</span> </div> </div> <div class="AuthorPreview-expertise my-4"> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Allyson Johnson leads marketing and fundraising for Gateway Partners. She is a CAIA charter holder and has passed the CFA Level II examination. She is a former member of Bankrate's Expert Review Board.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/allyson-johnson/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/allyson-johnson-caia/" target="_blank" rel="nofollow" aria-label="Connect with Allyson Johnson on LinkedIn" data-beam-element-clicked id="author_bio_allyson_johnson_linkedin_icon" data-type="icon" data-location="author_bio_allyson_johnson" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </li> </ul> </div> <a class="text-blue text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a href="https://www.bankrate.com/authors/allyson-johnson/" class="text-link text-white trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-white);">Allyson Johnson</a> </div> </span> </div> </div> <div class="wysiwyg display-inline has-links"> <p>Rates updated between Feb. 14 and Feb. 20 | Content updated Jan. 16</p></div> <div class="rateTableEditorialIntegrity"> <div class="rateTableEditorialIntegrity-content text-blue-50 type-body-three py-2 px-4 max-w-5xl rounded-lg text-white"> <span> At Bankrate we strive to help you make smarter financial decisions. Though our partners compensate us from links on this page, we maintain <a class="Link" href="https://www.bankrate.com/editorial-guidelines/" target="_blank" rel="noopener">editorial integrity</a>, and partners don't influence our product evaluations.<span> Here's <a class="Link" href="https://www.bankrate.com/advertising-disclosure/" target="_blank" rel="noopener">how we make money</a> and here is our <a class="Link" data-target="editorial_integrity_advertiser-disclosure-modal">advertiser disclosure</a>. </span> </span> </div> <div x-data x-init="$nextTick(() => { window.initModal('editorial_integrity_advertiser-disclosure-modal', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="editorial_integrity_advertiser-disclosure-modal" class="Modal is-closed " role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="editorial_integrity_advertiser-disclosure-modal" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="editorial_integrity_advertiser-disclosure-modal-title"> <div class="p-6 bg-white box-shadow-four rounded-lg max-w-3xl"> <h3 class="type-heading-four mb-8" id="editorial-integrity-advertiser-disclosure-modal-title"> Advertiser Disclosure </h3> The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies. </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="editorial_integrity_advertiser-disclosure-modal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> <div class="rateTableReadMore text-white display-flex flex-direction-column gap-4" x-data="{ expanded: 0, }"> <p class="mb-0"> <span id="intro-text-shortened"> A certificate of deposit is a financial product that allows you to stash away some cash and earn a fixed rate of interest for a set period of time. In exchange for handing over your money for a specified and longer term, you usually earn a higher interest rate. For example, a five-year CD can earn a higher (and guaranteed) rate than a typical savings account while still offering safety. The average 5-year CD yield is 1.39 percent APY, according to Bankrate’s national index survey of banks on Jan. 6, 2025, but Bankrate’s team shopped around to find some of the best CD rates available nationwide.</span> <button class="text-blue-200 Link Link--standalone bg-transparent hover:border-blue-200" :class="{ 'display-none': expanded, }" type="button" :aria-expanded="expanded ? true : false" aria-controls="rateTableReadMoreContent" x-on:click="expanded = !expanded" x-show="!expanded"> Read more </button> </p> <div id="rateTableReadMoreContent" class="flex-direction-column gap-4 display-none" :class="{ 'display-flex': expanded, 'display-none': !expanded }"> <div class="wysiwyg display-inline has-links"> <p>Bankrate’s team of experts shopped around to find some of the best CD rates available nationwide. Compare these offers, then <a class="Link" href="https://www.bankrate.com/banking/cds/cd-calculator/">calculate</a> how much interest you would earn when your CD matures.</p> <p> </p> <p><strong>Bankrate’s picks for best 5-year CD rates</strong></p> <p> </p> <p><ul data-show-all="false"> <li> SchoolsFirst Federal Credit Union — 4.25% APY, $500 minimum deposit</li> <li> America First Credit Union — 4.25% APY, $500 minimum deposit</li> <li> Synchrony Bank — 4.15% APY, no minimum deposit</li> <li> Popular Direct — 4.15% APY, $10,000 minimum deposit</li> <li> Bread Savings — 4.00% APY, $1,500 minimum deposit</li> <li> TAB Bank — 3.81% APY, $1,000 minimum deposit</li> <li> Golden 1 Credit Union — 3.80% APY, $500 minimum deposit</li> <li> Sallie Mae Bank — 3.80% APY, $2,500 minimum deposit</li> <li> Marcus by Goldman Sachs — 3.75% APY, $500 minimum deposit</li> <li> First Internet Bank of Indiana — 3.65% APY, $1,000 minimum deposit</li> </ul> </p></div> <div class="text-right"> <button class="text-blue-200 Link Link--standalone bg-transparent hover:border-blue-200" type="button" :aria-expanded="expanded ? true : false" aria-controls="rateTableReadMoreContent" x-on:click="expanded = !expanded"> Show less </button> </div> </div> </div> </div> <div class="RateTableHeaderV5-content-right"> <div class="wealthHeaderAsset trsy-py-4 trsy-px-5 trsy-rounded-lg trsy-bg-blue-800 trsy-flex trsy-flex-col trsy-gap-2 trsy-w-full lg:trsy-w-[474px]" x-data="{ expanded: false }"> <h2 class="trsy-text-white trsy-font-bold trsy-uppercase trsy-m-0 trsy-tracking-wider sm:trsy-cursor-default trsy-text-xs"tabindex="0" role="button" @click="expanded = !expanded" :aria-label="`${expanded ? 'Hide' : 'Show'} more info`" :aria-expanded="expanded ? true : false" aria-controls="wealthHeaderAsset-expandingContainer"> <span class="trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> Current 5-year CD trends<span class="trsy-w-4 trsy-h-4 sm:trsy-hidden" :class="`${expanded ? 'inline-block' : 'trsy-hidden'}`"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Up Icon</title><path d="M19.664 17.145c-.346 0-.675-.131-.938-.378l-6.742-6.742-6.743 6.742a1.32 1.32 0 0 1-1.859 0 1.32 1.32 0 0 1 0-1.858l7.68-7.68c.247-.247.576-.379.938-.379.345 0 .69.132.937.379l7.68 7.68c.51.51.51 1.348 0 1.858a1.29 1.29 0 0 1-.937.378h-.016Z" class="icon-base"/></svg></span> <span class="trsy-w-4 trsy-h-4 sm:trsy-hidden" :class="`${!expanded ? 'inline-block' : 'trsy-hidden'}`"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </span> </h2> <div class="trsy-flex trsy-flex-col trsy-gap-2" :class="`${!expanded ? 'trsy-hidden sm:trsy-flex' : ''}`" id="wealthHeaderAsset-expandingContainer"> <div class="display-flex flex-direction-row pt-2 gap-2 sm:gap-4 md:gap-8"> <div class="display-flex flex-direction-column"> <div class="text-xs">Bankrate Partner average</div> <div class="text-xl font-bold"> <span class="text-2xl">3.76%</span> APY </div> </div> <div class="display-flex flex-direction-column"> <div class="text-xs">National average</div> <div class="text-xl font-bold"> <span class="text-2xl">1.54%</span> APY <div id="t15f0f9fd-ee83-4815-8cf6-f9525deaf6a9" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> The "Bankrate Partner average" is calculated from the average of the top savings account offers from the institutions we track, included on this page as of 02/21/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.</div> </div> <div class="display-inline-block cursor-pointer ml-1 ml-0"> <div x-data data-tippy-maxWidth="none" data-template="t15f0f9fd-ee83-4815-8cf6-f9525deaf6a9" role="tooltip" tabIndex="0"x-tooltip="" > <svg class="Icon Icon--xs text-white display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> </div> </div> <div class="h-px w-full border-b border-gray-400"></div> <div class="wysiwyg display-block w-full has-links"> <div><strong>CD rates remain <span class="text-green text-green-400">high</span>, but are projected to move lower.</strong></div></div> <div class="wysiwyg display-block w-full has-links"> <div>The Fed is predicted to continue cutting rates in 2025. Read more from Bankrate's experts in our <a class="Link" href="https://www.bankrate.com/banking/cds/cd-rate-forecast/">CD rates forecast</a>.</div></div></div> </div> </div> </div> </div></div> </section> <style> .wrt-RateTable { margin-top: -82px !important; @media(min-width: 40em) { margin-top: -96px !important; } } </style> <div id="__next"><div class="wrt-RateTable"><div class="wrt-RateTable-container wrapper is-loadingFeatureFlags"><div class="wrt-RateTable-header flex flex-col px-4 xl:px-0"><div class=" bg-white border-gray-200 rounded-2xl border overflow-visible flex flex-col w-full gap-x-4 h-[142px] px-4 py-5 md:p-8 md:h-[172px] "><div class="text-gray-700 eyebrow-sm pb-2 lg:pb-3">PERSONALIZE YOUR SEARCH</div><div class="flex flex-row gap-x-2 md:gap-x-4 w-full md:pt-2 items-start md:justify-center"><div class="wrt-InputText"><div class="FormControl FormControl--withLeftIcon wrt-InputText--withLeftIcon" data-format="$"><label class="FormLabel" for="input-text-:Rpcm:">Deposit amount</label><input class="FormInput" id="input-text-:Rpcm:" type="text" value="50,000"/></div></div><div class="wrt-InputText"><div class="FormControl"><label class="FormLabel right-addon" for="input-text-:R19cm:">Zip code</label><span class="FormLabel-additionalCopy"><svg width="12" height="16" xmlns="http://www.w3.org/2000/svg"><path d="M6 0c3.156 0 6 2.845 6 6 0 5.715-6 10-6 10S0 11.715 0 6c0-3.155 2.844-6 6-6zm0 2C3.944 2 2 3.944 2 6c0 3.176 2.482 5.973 4.004 7.39C7.526 11.979 10 9.196 10 6c0-2.056-1.944-4-4-4zm0 2a2 2 0 1 1-.001 4.001A2 2 0 0 1 6 4z" fill="#151515" fill-rule="evenodd"></path></svg></span><input class="FormInput" id="input-text-:R19cm:" maxLength="5" type="text" value="90210"/></div></div><div class="wrt-InputText"><div class="flex flex-row pb-2 sm:pb-0"><label class="FormLabel" for="productTypeDropdown">Product type</label></div><div class="w-auto flex flex-row self-center"><div id="productTypeDropdown" class="w-full z-5 mr-2 bg-white min-h-[50px] border border-gray-500 rounded"><div class="wrt-Collapsible"><p class="wrt-Collapsible-header text-crop-none"><button type="button" data-testid="collapsible-combined-filters-label" class="wrt-Collapsible-trigger border-b border-gray-600" id="collapsible-combined-filters-label" aria-expanded="false" aria-controls="collapsible-combined-filters"><span class="pl-4 pr-2 py-2 ">CDs</span><svg width="7" height="12" focusable="false" aria-hidden="true" style="transform:rotate(90deg)" class="wrt-Collapsible-chevron mr-2" title="Open"><path d="M1.4 12L0 10.5 4.2 6 0 1.5 1.4 0 7 6l-5.6 6z"></path></svg></button></p></div></div><div class="pt-4"><div class="wrt-Tooltip"><div class="wrt-Tooltip-trigger" aria-label="Account type information" aria-describedby="tooltip-:R55pcm:" tabindex="0" role="button"><svg width="17" height="16" xmlns="http://www.w3.org/2000/svg" color="#0157FF"><path d="M8.5 0a8 8 0 1 1 0 16 8 8 0 0 1 0-16zm0 1a7 7 0 1 0 0 14 7 7 0 0 0 0-14zm1 6v5h-2V7h2zm-1-3a1 1 0 0 1 1 1.012.994.994 0 0 1-1 .988c-.549 0-1-.451-1-.988 0-.56.451-1.012 1-1.012z" fill="currentColor" fill-rule="evenodd"></path></svg></div><div class="wrt-Tooltip-content Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorRight wrt-Tooltip--large" id="tooltip-:R55pcm:" role="tooltip"><div class="Tooltip-body"><div class="Tooltip-arrow"></div><p class="text-crop-none">The following accounts can be found at most banks and credit unions. They’re federally insured for up to $250,000 and offer a safe place to put your money while earning interest.</p><div class="text-base mb-1 text-gray-900 font-bold">Certificate of Deposit (CD)</div><p class="text-crop-none">CDs are best for individuals looking for a guaranteed rate of return that’s typically higher than a savings account. In exchange for a higher rate, funds are tied up for a set period of time and early withdrawal penalties may apply.</p><div class="text-base mb-1 text-gray-900 font-bold">Checking account</div><p class="text-crop-none">Checking accounts are best for individuals who want to keep their money safe while still having easy, day-to-day access to their funds. ATM and other transactional fees may apply.</p><div class="text-base mb-1 text-gray-900 font-bold">Savings / Money Market Accounts (MMA)</div><p class="text-crop-none">Savings and MMAs are good options for individuals looking to save for shorter-term goals. They’re a safe way to separate your savings from everyday cash, but may require larger minimum balances and have transfer limitations.</p></div></div></div></div></div></div><button type="button" class="Button--primary h-[49px] mt-6">Update results</button></div></div></div><div class="wrt-RateTable-main wrt-RateTable-uninitialized"><div class="wrt-RateTable-rateList"><div class="wrt-RateListSkeleton"><div class="wrt-ContentPlaceholder"><div class="wrt-RateListSkeleton-label wrt-ContentPlaceholder-item"></div></div><div class="wrt-RateCardSkeleton wrt-ContentPlaceholder"><div class="wrt-RateCardSkeleton-a wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-b wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-c wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-d wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-e wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-f wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-g wrt-ContentPlaceholder-item"></div></div><div class="wrt-RateCardSkeleton wrt-ContentPlaceholder"><div class="wrt-RateCardSkeleton-a wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-b wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-c wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-d wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-e wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-f wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-g wrt-ContentPlaceholder-item"></div></div><div class="wrt-RateCardSkeleton wrt-ContentPlaceholder"><div class="wrt-RateCardSkeleton-a wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-b wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-c wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-d wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-e wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-f wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-g wrt-ContentPlaceholder-item"></div></div><div class="wrt-RateCardSkeleton wrt-ContentPlaceholder"><div class="wrt-RateCardSkeleton-a wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-b wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-c wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-d wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-e wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-f wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-g wrt-ContentPlaceholder-item"></div></div><div class="wrt-RateCardSkeleton wrt-ContentPlaceholder"><div class="wrt-RateCardSkeleton-a wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-b wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-c wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-d wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-e wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-f wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-g wrt-ContentPlaceholder-item"></div></div><div class="wrt-RateCardSkeleton wrt-ContentPlaceholder"><div class="wrt-RateCardSkeleton-a wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-b wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-c wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-d wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-e wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-f wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-g wrt-ContentPlaceholder-item"></div></div><div class="wrt-RateCardSkeleton wrt-ContentPlaceholder"><div class="wrt-RateCardSkeleton-a wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-b wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-c wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-d wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-e wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-f wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-g wrt-ContentPlaceholder-item"></div></div><div class="wrt-RateCardSkeleton wrt-ContentPlaceholder"><div class="wrt-RateCardSkeleton-a wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-b wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-c wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-d wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-e wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-f wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-g wrt-ContentPlaceholder-item"></div></div><div class="wrt-RateCardSkeleton wrt-ContentPlaceholder"><div class="wrt-RateCardSkeleton-a wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-b wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-c wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-d wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-e wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-f wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-g wrt-ContentPlaceholder-item"></div></div><div class="wrt-RateCardSkeleton wrt-ContentPlaceholder"><div class="wrt-RateCardSkeleton-a wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-b wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-c wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-d wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-e wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-f wrt-ContentPlaceholder-item"></div><div class="wrt-RateCardSkeleton-g wrt-ContentPlaceholder-item"></div></div></div></div></div></div></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"accountTypeCategoryFilterOrder":["CD","CHECKING","SAVINGS_MMA"],"currentAverageRates":{"partnerAverage":"4.1494130769230769","nationalAverage":"0.62"},"defaultAccountTypeCategory":"SAVINGS_MMA","defaultAccountTypeCategoryState":{"isCdEnabled":true,"isCheckingEnabled":false,"isSavingsMmaEnabled":false},"defaultDepositAmount":50000,"defaultGeoInfo":{"post code":"90210","country":"United States","country abbreviation":"US","places":[{"place name":"Beverly Hills","longitude":"-118.4065","state":"California","state abbreviation":"CA","latitude":"34.0901"}]},"defaultMaxTerm":60,"defaultMinTerm":1,"defaultZipCode":"90210","enableHistoricalRates":true,"enableRateAverages":true,"isPaidRateTable":false,"isProdForced":false,"isRateTableV2":true,"nationalAvgHistory":[{"key":"3","product":"cd","data":[{"avg":"1.27","count":14800,"year":"2024","month":"2"},{"avg":"1.27","count":46807,"year":"2024","month":"3"},{"avg":"1.22","count":48794,"year":"2024","month":"4"},{"avg":"1.23","count":49172,"year":"2024","month":"5"},{"avg":"1.24","count":45538,"year":"2024","month":"6"},{"avg":"1.25","count":41504,"year":"2024","month":"7"},{"avg":"1.26","count":50772,"year":"2024","month":"8"},{"avg":"1.29","count":46203,"year":"2024","month":"9"},{"avg":"1.3","count":43986,"year":"2024","month":"10"},{"avg":"1.28","count":45254,"year":"2024","month":"11"},{"avg":"1.27","count":55144,"year":"2024","month":"12"},{"avg":"1.26","count":49897,"year":"2025","month":"1"},{"avg":"1.31","count":24642,"year":"2025","month":"2"}]},{"key":"6","product":"cd","data":[{"avg":"1.63","count":17001,"year":"2024","month":"2"},{"avg":"1.66","count":53767,"year":"2024","month":"3"},{"avg":"1.68","count":56145,"year":"2024","month":"4"},{"avg":"1.71","count":56627,"year":"2024","month":"5"},{"avg":"1.72","count":52134,"year":"2024","month":"6"},{"avg":"1.73","count":47301,"year":"2024","month":"7"},{"avg":"1.76","count":57745,"year":"2024","month":"8"},{"avg":"1.76","count":52345,"year":"2024","month":"9"},{"avg":"1.73","count":50020,"year":"2024","month":"10"},{"avg":"1.7","count":51568,"year":"2024","month":"11"},{"avg":"1.68","count":63028,"year":"2024","month":"12"},{"avg":"1.68","count":57034,"year":"2025","month":"1"},{"avg":"1.76","count":28353,"year":"2025","month":"2"}]},{"key":"12","product":"cd","data":[{"avg":"1.73","count":17171,"year":"2024","month":"2"},{"avg":"1.73","count":54274,"year":"2024","month":"3"},{"avg":"1.74","count":56648,"year":"2024","month":"4"},{"avg":"1.79","count":57004,"year":"2024","month":"5"},{"avg":"1.8","count":52559,"year":"2024","month":"6"},{"avg":"1.8","count":47547,"year":"2024","month":"7"},{"avg":"1.82","count":58432,"year":"2024","month":"8"},{"avg":"1.79","count":52931,"year":"2024","month":"9"},{"avg":"1.73","count":50585,"year":"2024","month":"10"},{"avg":"1.75","count":52191,"year":"2024","month":"11"},{"avg":"1.75","count":63763,"year":"2024","month":"12"},{"avg":"1.75","count":57709,"year":"2025","month":"1"},{"avg":"1.85","count":28810,"year":"2025","month":"2"}]},{"key":"18","product":"cd","data":[{"avg":"1.74","count":3164,"year":"2024","month":"2"},{"avg":"1.79","count":9926,"year":"2024","month":"3"},{"avg":"1.81","count":10376,"year":"2024","month":"4"},{"avg":"1.84","count":10508,"year":"2024","month":"5"},{"avg":"1.89","count":9466,"year":"2024","month":"6"},{"avg":"1.91","count":8872,"year":"2024","month":"7"},{"avg":"1.89","count":10516,"year":"2024","month":"8"},{"avg":"1.88","count":9782,"year":"2024","month":"9"},{"avg":"1.85","count":8976,"year":"2024","month":"10"},{"avg":"1.84","count":9454,"year":"2024","month":"11"},{"avg":"1.83","count":11884,"year":"2024","month":"12"},{"avg":"1.86","count":10825,"year":"2025","month":"1"},{"avg":"2.12","count":6007,"year":"2025","month":"2"}]},{"key":"24","product":"cd","data":[{"avg":"1.49","count":16854,"year":"2024","month":"2"},{"avg":"1.52","count":53446,"year":"2024","month":"3"},{"avg":"1.51","count":55752,"year":"2024","month":"4"},{"avg":"1.52","count":56089,"year":"2024","month":"5"},{"avg":"1.53","count":51674,"year":"2024","month":"6"},{"avg":"1.53","count":46904,"year":"2024","month":"7"},{"avg":"1.54","count":57330,"year":"2024","month":"8"},{"avg":"1.51","count":51944,"year":"2024","month":"9"},{"avg":"1.49","count":49579,"year":"2024","month":"10"},{"avg":"1.51","count":51088,"year":"2024","month":"11"},{"avg":"1.5","count":62404,"year":"2024","month":"12"},{"avg":"1.52","count":56408,"year":"2025","month":"1"},{"avg":"1.62","count":28310,"year":"2025","month":"2"}]},{"key":"36","product":"cd","data":[{"avg":"1.39","count":16380,"year":"2024","month":"2"},{"avg":"1.41","count":52005,"year":"2024","month":"3"},{"avg":"1.4","count":54274,"year":"2024","month":"4"},{"avg":"1.41","count":54497,"year":"2024","month":"5"},{"avg":"1.42","count":50201,"year":"2024","month":"6"},{"avg":"1.41","count":45587,"year":"2024","month":"7"},{"avg":"1.43","count":55635,"year":"2024","month":"8"},{"avg":"1.42","count":50433,"year":"2024","month":"9"},{"avg":"1.41","count":48163,"year":"2024","month":"10"},{"avg":"1.41","count":49662,"year":"2024","month":"11"},{"avg":"1.41","count":60592,"year":"2024","month":"12"},{"avg":"1.43","count":54858,"year":"2025","month":"1"},{"avg":"1.54","count":27633,"year":"2025","month":"2"}]},{"key":"48","product":"cd","data":[{"avg":"1.47","count":5584,"year":"2024","month":"2"},{"avg":"1.48","count":17370,"year":"2024","month":"3"},{"avg":"1.48","count":18386,"year":"2024","month":"4"},{"avg":"1.5","count":18584,"year":"2024","month":"5"},{"avg":"1.49","count":16714,"year":"2024","month":"6"},{"avg":"1.47","count":15673,"year":"2024","month":"7"},{"avg":"1.48","count":18210,"year":"2024","month":"8"},{"avg":"1.47","count":17010,"year":"2024","month":"9"},{"avg":"1.44","count":15734,"year":"2024","month":"10"},{"avg":"1.44","count":16314,"year":"2024","month":"11"},{"avg":"1.45","count":20522,"year":"2024","month":"12"},{"avg":"1.5","count":18563,"year":"2025","month":"1"},{"avg":"1.7","count":9776,"year":"2025","month":"2"}]},{"key":"60","product":"cd","data":[{"avg":"1.42","count":16061,"year":"2024","month":"2"},{"avg":"1.43","count":50748,"year":"2024","month":"3"},{"avg":"1.42","count":53023,"year":"2024","month":"4"},{"avg":"1.42","count":53129,"year":"2024","month":"5"},{"avg":"1.43","count":48963,"year":"2024","month":"6"},{"avg":"1.42","count":44500,"year":"2024","month":"7"},{"avg":"1.44","count":54344,"year":"2024","month":"8"},{"avg":"1.43","count":49419,"year":"2024","month":"9"},{"avg":"1.42","count":47065,"year":"2024","month":"10"},{"avg":"1.42","count":48500,"year":"2024","month":"11"},{"avg":"1.42","count":59254,"year":"2024","month":"12"},{"avg":"1.43","count":53581,"year":"2025","month":"1"},{"avg":"1.54","count":26817,"year":"2025","month":"2"}]},{"key":"savings","product":"savings_mma","data":[{"avg":"0.59","count":5780,"year":"2024","month":"2"},{"avg":"0.57","count":17818,"year":"2024","month":"3"},{"avg":"0.58","count":18536,"year":"2024","month":"4"},{"avg":"0.59","count":18956,"year":"2024","month":"5"},{"avg":"0.59","count":16906,"year":"2024","month":"6"},{"avg":"0.59","count":15773,"year":"2024","month":"7"},{"avg":"0.59","count":18546,"year":"2024","month":"8"},{"avg":"0.61","count":17336,"year":"2024","month":"9"},{"avg":"0.57","count":16000,"year":"2024","month":"10"},{"avg":"0.57","count":16686,"year":"2024","month":"11"},{"avg":"0.57","count":21130,"year":"2024","month":"12"},{"avg":"0.56","count":19483,"year":"2025","month":"1"},{"avg":"0.61","count":11711,"year":"2025","month":"2"}]},{"key":"mma","product":"savings_mma","data":[{"avg":"0.47","count":14826,"year":"2024","month":"2"},{"avg":"0.47","count":46914,"year":"2024","month":"3"},{"avg":"0.46","count":48682,"year":"2024","month":"4"},{"avg":"0.47","count":48810,"year":"2024","month":"5"},{"avg":"0.47","count":45104,"year":"2024","month":"6"},{"avg":"0.46","count":40895,"year":"2024","month":"7"},{"avg":"0.46","count":50138,"year":"2024","month":"8"},{"avg":"0.44","count":45356,"year":"2024","month":"9"},{"avg":"0.42","count":43546,"year":"2024","month":"10"},{"avg":"0.42","count":44786,"year":"2024","month":"11"},{"avg":"0.42","count":54246,"year":"2024","month":"12"},{"avg":"0.41","count":53984,"year":"2025","month":"1"},{"avg":"0.44","count":48324,"year":"2025","month":"2"}]}],"bankReviews":[{"short_summary":"American Express National Bank is an online bank that offers savings and checking accounts with competitive yields, as well as some CDs that pay above-average rates. The checking account earns rewards for purchases, although it’s only available to those who have had an American Express card for at least three months.","link":"https://https://www.bankrate.com//banking/reviews/american-express-national-bank/","status":"published","advertiser_id":"6596","name":"American Express National Bank","scorecard":{"savings_apy":3.8,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4,"cd_apy_term":11,"cd_apy_rating":4,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":11,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Capital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.","link":"https://https://www.bankrate.com//banking/reviews/capital-one/","status":"published","advertiser_id":"8351","name":"Capital One","scorecard":{"savings_apy":3.7,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0.1,"checking_apy_rating":5,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"0","checking_out_of_network_atm_fee_rating":5,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_yes","checking_early_direct_deposit_rating":5,"checking_overdraft_fees":"nsf_fees_none","checking_overdraft_fees_rating":5,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"LendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.","link":"https://https://www.bankrate.com//banking/reviews/lendingclub-bank/","status":"published","advertiser_id":"11844","name":"LendingClub Bank","scorecard":{"savings_apy":4.5,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.35,"cd_apy_term":10,"cd_apy_rating":5,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Citibank is among the world’s largest financial institutions, with well over $1 trillion in assets. It offers a comprehensive selection of banking products. These include its High-Yield Savings account, its Basic Banking Package checking accounts, its CDs and its credit cards. It is also the largest bank to eliminate overdraft fees. Obtaining competitive yields on savings accounts at Citi will depend on where you live and whether you’re eligible for its High-Yield Savings account.\r\n\r\nCiti has more than 2,300 Citi ATMs and 65,000 fee-free ATMs. The bank also has more than 600 branches.","link":"https://https://www.bankrate.com//banking/reviews/citibank/","status":"published","advertiser_id":"10677","name":"Citibank","scorecard":{"savings_apy":0.03,"savings_apy_rating":1,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":500,"savings_min_to_avoid_fees_rating":3,"savings_monthly_fee":4.5,"savings_monthly_fee_rating":3,"savings_access_to_funds":null,"savings_access_to_funds_rating":0,"savings_enabled":true,"cd_apy":3,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":0,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":15,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"nsf_fees_none","checking_overdraft_fees_rating":5,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"EverBank is an online institution offering deposit accounts with competitive rates and low minimum balances. Customers have access to thousands of fee-free ATMs. While the bank maintains branches, only a limited number are available, mainly in Florida.","link":"https://https://www.bankrate.com//banking/reviews/everbank/","status":"published","advertiser_id":"2468","name":"EverBank","scorecard":{"savings_apy":4.3,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4,"cd_apy_term":9,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4,"mma_apy_rating":4,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":0.25,"checking_apy_rating":5,"checking_min_deposit":100,"checking_min_deposit_rating":3,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":0,"checking_p2p_payments":null,"checking_p2p_payments_rating":0,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":0,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":0,"checking_nsf_fees":null,"checking_nsf_fees_rating":0,"checking_atm_network":null,"checking_atm_network_rating":0,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Vio Bank is an online-only financial institution serving savers nationwide. The bank consistently offers top-tier rates on their money market account, but those looking for a checking account will need to go with another option.","link":"https://https://www.bankrate.com//banking/reviews/vio-bank/","status":"published","advertiser_id":"10462","name":"Vio Bank","scorecard":{"savings_apy":1.1,"savings_apy_rating":2,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.15,"cd_apy_term":9,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"181_to_270_or_flat_fee","cd_early_withdrawal_penalty_rating":2,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4.46,"mma_apy_rating":5,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Bank of America is the second-largest financial institution (based on assets) in the country. It’s a digital leader with a global presence and roughly 68 million customers. It offers a wide variety of products for consumers and small businesses.","link":"https://https://www.bankrate.com//banking/reviews/bank-of-america/","status":"published","advertiser_id":"2809","name":"Bank of America","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":500,"savings_min_to_avoid_fees_rating":3,"savings_monthly_fee":8,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":0.03,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":100,"checking_min_deposit_rating":3,"checking_min_to_avoid_fees":1500,"checking_min_to_avoid_fees_rating":2,"checking_monthly_fee":12,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"0.01_to_25","checking_overdraft_fees_rating":4,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"U.S. Bank offers a full range of products and services that include checking and savings accounts, a money market account and CDs. The bank maintains branches in 28 states, and anyone in the U.S. can open accounts online. Higher rates of return can often be found at other financial institutions, however.","link":"https://https://www.bankrate.com//banking/reviews/us-bank/","status":"published","advertiser_id":"11926","name":"U.S. Bank","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":25,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":300,"savings_min_to_avoid_fees_rating":4,"savings_monthly_fee":4,"savings_monthly_fee_rating":3,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":0.05,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"181_to_270_or_flat_fee","cd_early_withdrawal_penalty_rating":2,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":0.01,"mma_apy_rating":1,"mma_min_to_avoid_fees":10000,"mma_min_to_avoid_fees_rating":2,"mma_min_balance":100,"mma_min_balance_rating":5,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":25,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":15000,"checking_min_to_avoid_fees_rating":1,"checking_monthly_fee":6.95,"checking_monthly_fee_rating":3,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":0,"checking_p2p_payments":null,"checking_p2p_payments_rating":0,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":0,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":0,"checking_nsf_fees":null,"checking_nsf_fees_rating":0,"checking_atm_network":null,"checking_atm_network_rating":0,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"PNC Bank offers a full suite of deposit products, with branches in parts of the Northeast, South and Midwest as well as on the West Coast. While the bank offers competitive rates to customers who live in certain states, those who live elsewhere earn yields below the national average. The bank offers a well-rated mobile app that incorporates tools for money management.\r\n \r\nPNC Bank was named the most trusted bank as part of the 2023 Bankrate Awards, where the best financial products of the year were determined.","link":"https://https://www.bankrate.com//banking/reviews/pnc-bank/","status":"published","advertiser_id":"10554","name":"PNC Bank","scorecard":{"savings_apy":3.95,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0.01,"checking_apy_rating":4,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":5000,"checking_min_to_avoid_fees_rating":1,"checking_monthly_fee":25,"checking_monthly_fee_rating":1,"checking_fee_to_use_out_of_network_atm":"0","checking_out_of_network_atm_fee_rating":5,"checking_p2p_payments":"zelle_or_apple_pay","checking_p2p_payments_rating":4,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"35_plus","checking_overdraft_fees_rating":2,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Pentagon Federal Credit Union is one of the largest U.S. credit unions, based on assets and membership. It was created to serve members of the armed forces and federal government employees, but now anyone can join. It has members throughout the country. PenFed offers a wide range of CD terms that pay competitive rates, yet higher rates on savings accounts can be found elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/pentagon-federal-credit-union/","status":"published","advertiser_id":"2212","name":"Pentagon Federal Credit Union (PenFed)","scorecard":{}},{"short_summary":"In April 2022, Comenity Direct became Bread Savings. The online-only bank offers a savings account and five terms of CDs with competitive yields. You’ll also find low minimum opening balance requirements, making it easy to open an account.\r\n\r\nConsumers in search of checking and money market accounts or who need access to a branch will want to look elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/bread-savings/","status":"published","advertiser_id":"10629","name":"Bread Savings","scorecard":{"savings_apy":4.4,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.1,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1500,"cd_min_deposit_rating":3,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Credit One offers jumbo CDs, Savings, and credit cards. Those looking for checking accounts will need to bank somewhere else.","link":"https://https://www.bankrate.com//banking/reviews/credit-one-bank/","status":"published","advertiser_id":"11757","name":"Credit One Bank","scorecard":{"savings_apy":4.2,"savings_apy_rating":5,"savings_min_balance":100000,"savings_min_balance_rating":1,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"standard_transfers","savings_access_to_funds_rating":2,"savings_enabled":true,"cd_apy":4.4,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":100000,"cd_min_deposit_rating":1,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Marcus by Goldman Sachs is an online bank that offers rewards savers with higher-than-average rates.","link":"https://https://www.bankrate.com//banking/reviews/marcus/","status":"published","advertiser_id":"9904","name":"Marcus","scorecard":{"savings_apy":3.9,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"standard_transfers","savings_access_to_funds_rating":2,"savings_enabled":true,"cd_apy":4.5,"cd_apy_term":14,"cd_apy_rating":5,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"With a massive branch network and breadth of product offerings, Chase is often viewed as the country's signature banking institution. Customers can choose from a full range of banking services, including checking and savings accounts as well as CDs. But if you’re looking for a bank that pays competitive rates, you’ll want to look elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/chase-bank/","status":"published","advertiser_id":"3035","name":"Chase Bank","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":300,"savings_min_to_avoid_fees_rating":4,"savings_monthly_fee":5,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":0.01,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":25,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":1500,"checking_min_to_avoid_fees_rating":2,"checking_monthly_fee":12,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"25.01_to_35","checking_overdraft_fees_rating":3,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Wells Fargo is one of the biggest banks with locations in 36 states and Washington, D.C. But the bank has also faced heavy scrutiny by regulators in recent years for opening fake accounts and other offenses. While you generally won’t find attractive yields here, Wells Fargo’s checking account scores highly in our analysis.","link":"https://https://www.bankrate.com//banking/reviews/wells-fargo/","status":"published","advertiser_id":"3113","name":"Wells Fargo","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":25,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":300,"savings_min_to_avoid_fees_rating":4,"savings_monthly_fee":5,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":2,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.01,"mma_apy_rating":1,"mma_min_to_avoid_fees":3500,"mma_min_to_avoid_fees_rating":2,"mma_min_balance":25,"mma_min_balance_rating":5,"mma_monthly_fee":12,"mma_monthly_fee_rating":2,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":25,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":1500,"checking_min_to_avoid_fees_rating":2,"checking_monthly_fee":10,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_or_apple_pay","checking_p2p_payments_rating":4,"checking_early_direct_deposit":"edp_yes","checking_early_direct_deposit_rating":5,"checking_overdraft_fees":"25.01_to_35","checking_overdraft_fees_rating":3,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"TD Bank bills itself as “America’s Most Convenient Bank” because many of its branches are open for extended hours, seven days a week — as well as some holidays. It also offers customers access to nearly 2,700 ATMs. However, those seeking deposit accounts that pay competitive rates and charge lower fees may need to look elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/td-bank/","status":"published","advertiser_id":"6749","name":"TD Bank","scorecard":{}},{"short_summary":"For savers interested in basic online accounts without maintenance fees, Live Oak Bank offers a savings account and CDs that pay competitive rates. Those seeking money market or checking accounts, as well as a debit card, will need to look elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/live-oak-bank/","status":"published","advertiser_id":"9296","name":"Live Oak Bank","scorecard":{"savings_apy":4.2,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.3,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Discover Bank is an online institution within a financial services company offering various banking products, including deposit accounts, credit cards, personal loans and student loans. Discover’s online savings account comes with a competitive rate and no monthly fees. The bank also offers a highly rated cash-back checking account.","link":"https://https://www.bankrate.com//banking/reviews/discover-bank/","status":"published","advertiser_id":"10206","name":"Discover® Bank","scorecard":{"savings_apy":3.75,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":3.65,"mma_apy_rating":4,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":0,"checking_p2p_payments":null,"checking_p2p_payments_rating":0,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":0,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":0,"checking_nsf_fees":null,"checking_nsf_fees_rating":0,"checking_atm_network":null,"checking_atm_network_rating":0,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Navy Federal Credit Union is the world’s largest credit union serving millions of military members and their families. It offers more than 350 branches worldwide and 24/7 customer service. Its savings account, money market account and CDs earn yields above the national average, but higher rates can still be found elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/navy-federal-credit-union/","status":"published","advertiser_id":"5510","name":"Navy Federal Credit Union","scorecard":{}},{"short_summary":"Synchrony Bank is an online bank that issues credit cards and offers several products that pay some of the best rates. But if you’re looking for a checking account at an online bank, you’ll want to consider other options such as Ally Bank or Capital One.","link":"https://https://www.bankrate.com//banking/reviews/synchrony-bank/","status":"published","advertiser_id":"8289","name":"Synchrony Bank","scorecard":{"savings_apy":4,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.35,"cd_apy_term":13,"cd_apy_rating":5,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":2.25,"mma_apy_rating":3,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":1,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Bask Bank is an online bank that offers four terms of CDs and two savings accounts. It offers a high-yield savings account and a unique savings account that earns American Airlines miles. Its Bask Interest Savings Account offers a very competitive yield. Bask Bank’s only fee is a $35 outgoing wire transfer fee.","link":"https://https://www.bankrate.com//banking/reviews/bask-bank/","status":"published","advertiser_id":"11871","name":"Bask Bank","scorecard":{"savings_apy":4.35,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.5,"cd_apy_term":9,"cd_apy_rating":5,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":24,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":1,"checking_apy_rating":5,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":0,"checking_p2p_payments":null,"checking_p2p_payments_rating":0,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":0,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":0,"checking_nsf_fees":null,"checking_nsf_fees_rating":0,"checking_atm_network":null,"checking_atm_network_rating":0,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Limelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.","link":"https://https://www.bankrate.com//banking/reviews/limelight-bank/","status":"published","advertiser_id":"10310","name":"Limelight Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":false,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":6,"cd_term_max":36,"cd_term_rating":3,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Salem Five Direct is best for savers who are comfortable banking online and who are seeking a competitive rate. The bank offers a wide range of CDs in addition to savings and checking accounts.","link":"https://https://www.bankrate.com//banking/reviews/salem-five-direct-bank/","status":"published","advertiser_id":"9677","name":"Salem Five Direct","scorecard":{"savings_apy":4.01,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.15,"cd_apy_term":9,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"271_to_365_or_flat_fee","cd_early_withdrawal_penalty_rating":1,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Connexus Credit Union members have access to more than 5,000 branches across the country, and accounts can also be opened online. Members can choose from a full range of accounts including certificates of deposit (CDs), free and interest-bearing checking, as well as savings and money market accounts. While some rates are well above national averages, yields for the savings account and some money market tiers are not competitive.","link":"https://https://www.bankrate.com//banking/reviews/connexus-credit-union/","status":"published","advertiser_id":"10450","name":"Connexus Credit Union","scorecard":{"savings_apy":0.1,"savings_apy_rating":1,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":2.78,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":5000,"cd_min_deposit_rating":3,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.25,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":1000,"mma_min_balance_rating":4,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"CIBC Bank USA offers a range of personal banking products and a high-yield savings account. While it does have 24 branch locations, mostly in the Midwestern U.S., it’s mainly known for online banking.","link":"https://https://www.bankrate.com//banking/reviews/cibc-bank-usa/","status":"published","advertiser_id":"10435","name":"CIBC Bank USA","scorecard":{"savings_apy":4.28,"savings_apy_rating":5,"savings_min_balance":1,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.36,"cd_apy_term":13,"cd_apy_rating":5,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":6,"cd_term_max":30,"cd_term_rating":4,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.25,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":1,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Morgan Stanley Private Bank offers a savings account that earns a high APY, as well as free and interest-bearing checking accounts. Those who wish to open a money market account or certificates of deposit (CDs) will need to look elsewhere, however.","link":"https://https://www.bankrate.com//banking/reviews/morgan-stanley-private/","status":"published","advertiser_id":"5390","name":"Morgan Stanley Private Bank","scorecard":{"savings_apy":4,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"n_a","cd_early_withdrawal_penalty_rating":0,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":false,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0.05,"checking_apy_rating":4,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":0,"checking_p2p_payments":null,"checking_p2p_payments_rating":0,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":0,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":0,"checking_nsf_fees":null,"checking_nsf_fees_rating":0,"checking_atm_network":null,"checking_atm_network_rating":0,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Truist was formed from the 2019 merger of BB\u0026T and SunTrust banks. Truist was the seventh largest U.S. bank as of June 30, 2022, according to the Federal Reserve.","link":"https://https://www.bankrate.com//banking/reviews/truist/","status":"published","advertiser_id":"1806","name":"Truist Bank","scorecard":{}},{"short_summary":"IGObanking, an online division of Flushing Bank, offers a range of deposit products to consumers nationwide.","link":"https://https://www.bankrate.com//banking/reviews/igobanking/","status":"published","advertiser_id":"10385","name":"iGObanking","scorecard":{}},{"short_summary":"Lake Michigan Credit Union is a full-service financial institution primarily serving members in Lower Michigan and southwestern Florida.","link":"https://https://www.bankrate.com//banking/reviews/lake-michigan-credit-union/","status":"published","advertiser_id":"8643","name":"Lake Michigan Credit Union","scorecard":{}},{"short_summary":"Presidential Bank is a Bethesda, Maryland-based bank with 10 branches in the Washington, D.C. metropolitan area. It offers a wide selection of deposit products that’s sure to meet many needs. Although yields could be higher for some of Presidential Bank’s deposit accounts, the bank’s certificates of deposit (CDs) and select checking and money market accounts offer robust APYs that can be opened online.","link":"https://https://www.bankrate.com//banking/reviews/presidential-bank/","status":"published","advertiser_id":"2226","name":"Presidential Bank","scorecard":{"savings_apy":0.5,"savings_apy_rating":2,"savings_min_balance":500,"savings_min_balance_rating":3,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"181_to_270_or_flat_fee","cd_early_withdrawal_penalty_rating":2,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.15,"mma_apy_rating":1,"mma_min_to_avoid_fees":500,"mma_min_to_avoid_fees_rating":4,"mma_min_balance":1000,"mma_min_balance_rating":4,"mma_monthly_fee":5,"mma_monthly_fee_rating":4,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Varo is a digital bank that prides itself on its technology and offers checking and savings accounts with unique online features.","link":"https://https://www.bankrate.com//banking/reviews/varo-bank/","status":"published","advertiser_id":"11923","name":"Varo Bank","scorecard":{"savings_apy":2.5,"savings_apy_rating":3,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":false,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Rising Bank is a newer online division of Midwest BankCentre, a St. Louis-based community bank that’s been around for more than a century. As it’s an online-only bank, you won’t find physical branches to visit, but you can withdraw money through Rising Bank’s network of ATMs scattered across the U.S. The bank offers competitive yields for its CDs, savings and checking accounts, but you’ll need to be comfortable doing your banking completely online.","link":"https://https://www.bankrate.com//banking/reviews/rising-bank/","status":"published","advertiser_id":"11922","name":"Rising Bank","scorecard":{"savings_apy":4.4,"savings_apy_rating":5,"savings_min_balance":1000,"savings_min_balance_rating":3,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":6,"cd_term_max":36,"cd_term_rating":3,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"FNBO Direct is FNBO's online bank. It offers a checking account and a savings account nationwide, both of which offer a competitive APY. As an online-only bank, FNBO Direct doesn’t have physical branches you can visit, so you’ll need to be comfortable solely using ATMs to withdraw money. Moreover, the checking account doesn’t offer a checkbook; it’s a completely paperless experience, which may be a deal-breaker for some.","link":"https://https://www.bankrate.com//banking/reviews/fnbo-direct-bank/","status":"published","advertiser_id":"11899","name":"FNBO Direct","scorecard":{"savings_apy":3.6,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":false,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"SchoolsFirst Federal Credit Union is California’s largest credit union. It has low minimum balances and most SchoolsFirst accounts come without a monthly fee.","link":"https://https://www.bankrate.com//banking/reviews/schoolsfirst-federal-credit-union/","status":"published","advertiser_id":"5529","name":"SchoolsFirst Federal Credit Union","scorecard":{"savings_apy":0.1,"savings_apy_rating":1,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.15,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.75,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"BankPurely is a financial institution created for environmentally conscious consumers.","link":"https://https://www.bankrate.com//banking/reviews/bankpurely/","status":"published","advertiser_id":"10385","name":"BankPurely","scorecard":{}},{"short_summary":"Bank of Hope describes itself as “the only super regional Korean-American bank in the U.S.” It operates full-service branches in nine states, and it offers surcharge-free access to many ATMs through the Allpoint and MoneyPass networks. The bank’s CDs stand out with high rates and plentiful term options. Rates on other products, including savings and money market accounts, are minimal, though.","link":"https://https://www.bankrate.com//banking/reviews/bank-of-hope/","status":"published","advertiser_id":"10679","name":"Bank of Hope","scorecard":{"savings_apy":0.05,"savings_apy_rating":1,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":500,"savings_min_to_avoid_fees_rating":3,"savings_monthly_fee":5,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":0.3,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.01,"mma_apy_rating":1,"mma_min_to_avoid_fees":2500,"mma_min_to_avoid_fees_rating":3,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"USAA Federal Savings Bank is a federally insured, members-only online bank that offers checking and savings accounts, CDs, credit cards, mortgages and other loans.","link":"https://https://www.bankrate.com//banking/reviews/usaa/","status":"published","advertiser_id":"5231","name":"USAA","scorecard":{"savings_apy":0.55,"savings_apy_rating":2,"savings_min_balance":25,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":2,"cd_apy_term":9,"cd_apy_rating":3,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Delta Community Credit Union is the largest credit union in Georgia. It has more than 461,000 members at its credit union and 31 branches.","link":"https://https://www.bankrate.com//banking/reviews/delta-community-credit-union/","status":"published","advertiser_id":"4349","name":"Delta Community Credit Union","scorecard":{"savings_apy":0.25,"savings_apy_rating":2,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.05,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.35,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":1000,"mma_min_balance_rating":4,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"UFB Direct is an online-only bank offering savings and money market accounts that come with digital banking tools, including a highly rated mobile app. The bank also offers home loans and a 24/7 customer support line.","link":"https://https://www.bankrate.com//banking/reviews/ufb-direct/","status":"published","advertiser_id":"1774","name":"UFB Direct","scorecard":{"savings_apy":4.01,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":false,"mma_apy":4.01,"mma_apy_rating":4,"mma_min_to_avoid_fees":5000,"mma_min_to_avoid_fees_rating":2,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"First Internet Bank of Indiana has been around since 1998. It is an online bank that serves all 50 states. Depending on the account, you can find competitive yields at this bank.","link":"https://https://www.bankrate.com//banking/reviews/first-internet-bank-of-indiana/","status":"published","advertiser_id":"1966","name":"First Internet Bank of Indiana","scorecard":{"savings_apy":0.81,"savings_apy_rating":2,"savings_min_balance":25,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.2,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":3.61,"mma_apy_rating":4,"mma_min_to_avoid_fees":4000,"mma_min_to_avoid_fees_rating":2,"mma_min_balance":100,"mma_min_balance_rating":5,"mma_monthly_fee":5,"mma_monthly_fee_rating":4,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Spring Bank is a regional bank with two locations in New York. In addition to offering a variety of banking products, it also works closely with many small businesses and local communities.","link":"https://https://www.bankrate.com//banking/reviews/spring-bank/","status":"published","advertiser_id":"8021","name":"Spring Bank","scorecard":{}},{"short_summary":"BrioDirect is an online bank that offers CDs, a money market account and a savings account. The savings account earns a high yield, yet those seeking competitive rates on a money market account or CDs should look elsewhere. The bank does not offer a checking account to new customers, nor do money market account holders have check-writing privileges.","link":"https://https://www.bankrate.com//banking/reviews/briodirect/","status":"published","advertiser_id":"10659","name":"BrioDirect","scorecard":{"savings_apy":4.55,"savings_apy_rating":5,"savings_min_balance":5000,"savings_min_balance_rating":2,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":0.05,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Golden 1 Credit Union is one of the largest credit unions in the U.S. and offers members a wide selection of products and services. Membership is open to those who live or work in California. Most accounts require a small amount to open, and many also feature low or no monthly fees.","link":"https://https://www.bankrate.com//banking/reviews/golden-1-credit-union/","status":"published","advertiser_id":"2324","name":"Golden 1 Credit Union","scorecard":{"savings_apy":0.05,"savings_apy_rating":1,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.45,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":1,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"American Airlines Federal Credit Union offers a range of banking and lending products for its airline industry members.","link":"https://https://www.bankrate.com//banking/reviews/american-airlines-federal-credit-union/","status":"published","advertiser_id":"1728","name":"American Airlines Federal Credit Union","scorecard":{}},{"short_summary":"Valley National Bank is a regional bank that offers consumer deposit products, mortgages and auto loans, investment management and a variety of business products.","link":"https://https://www.bankrate.com//banking/reviews/valley-national-bank/","status":"published","advertiser_id":"10474","name":"Valley National Bank","scorecard":{}},{"short_summary":"Boeing Employees’ Credit Union is one of the largest credit unions in the U.S. It offers members a variety of checking and savings products along with many online banking features. Its accounts come with no monthly fees and other fees are lower than average, though its APYs aren’t the most competitive. Members also get extra benefits, such as ATM refunds and higher rates, when they qualify for the Member Advantage feature.","link":"https://https://www.bankrate.com//banking/reviews/boeing-employees-credit-union/","status":"published","advertiser_id":"4986","name":"Boeing Employees' Credit Union","scorecard":{"savings_apy":0.35,"savings_apy_rating":2,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":2.75,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":1.16,"mma_apy_rating":3,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Banesco USA is an FDIC-insured institution with headquarters in South Florida.This bank offers everything you’d expect from a large depository institution, from personal checking to money market accounts. While they offer competitive rates for their CDs, Banesco USA’s savings account APYs have fallen behind rising interest rates, making them less attractive than they were just a year ago.","link":"https://https://www.bankrate.com//banking/reviews/banesco-usa-bank/","status":"published","advertiser_id":"10572","name":"Banesco USA Bank","scorecard":{"savings_apy":1.35,"savings_apy_rating":3,"savings_min_balance":300,"savings_min_balance_rating":3,"savings_min_to_avoid_fees":300,"savings_min_to_avoid_fees_rating":4,"savings_monthly_fee":10,"savings_monthly_fee_rating":1,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":1500,"cd_min_deposit_rating":3,"cd_term_min":3,"cd_term_max":36,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4,"mma_apy_rating":4,"mma_min_to_avoid_fees":2500,"mma_min_to_avoid_fees_rating":3,"mma_min_balance":300,"mma_min_balance_rating":4,"mma_monthly_fee":15,"mma_monthly_fee_rating":2,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Amerant Bank offers a full range of online accounts to residents anywhere in the U.S., and the bank also maintains 16 branches in Florida and seven in Texas. Plenty of free ATMs are available to checking account customers, and minimum balance requirements are generally low. While rates are higher than national averages, better annual percentage yields (APYs) can be found at other banks.","link":"https://https://www.bankrate.com//banking/reviews/amerant-bank/","status":"published","advertiser_id":"10565","name":"Amerant Bank","scorecard":{}},{"short_summary":"Santander Bank has branches mainly in the Northeast. Its biggest presence is in Massachusetts, where it has nearly 200 locations.","link":"https://https://www.bankrate.com//banking/reviews/santander-bank/","status":"published","advertiser_id":"11850","name":"Santander Bank","scorecard":{}},{"short_summary":"Suncoast Credit Union is Florida’s largest credit union. It offers savings accounts, a checking account, regular and jumbo CDs, a money market account and other banking options to its members.","link":"https://https://www.bankrate.com//banking/reviews/suncoast-credit-union/","status":"published","advertiser_id":"2298","name":"Suncoast Credit Union","scorecard":{}},{"short_summary":"Arvest Bank is a regional bank headquartered in Bentonville, Arkansas, that offers accounts to residents of Arkansas, Kansas, Oklahoma and Missouri. With checking account options and CDs with competitive rates, this bank will appeal to a wide base of customers in the area. Given its local nature, you won’t find in-network ATMs outside of Arvest’s main operating area, and you’ll have to pay a fee to use out-of-network ATMs.","link":"https://https://www.bankrate.com//banking/reviews/arvest-bank/","status":"published","advertiser_id":"5298","name":"Arvest Bank","scorecard":{}},{"short_summary":"Founded in 1953, Umpqua Bank is the largest regional bank in the Pacific Northwest. On March 1, 2023, Umpqua closed a merger to acquire Columbia Bank. Umpqua Bank has more than 300 locations in Oregon, Idaho, Nevada, Washington, California, Arizona, Utah and Colorado.","link":"https://https://www.bankrate.com//banking/reviews/umpqua-bank/","status":"published","advertiser_id":"9750","name":"Umpqua Bank","scorecard":{}},{"short_summary":"Sallie Mae Bank offers competitive APYs on its savings accounts, but it doesn’t offer a checking account.","link":"https://https://www.bankrate.com//banking/reviews/sallie-mae-bank/","status":"published","advertiser_id":"6642","name":"Sallie Mae Bank","scorecard":{"savings_apy":3.9,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.05,"cd_apy_term":13,"cd_apy_rating":4,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":3.9,"mma_apy_rating":4,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":true,"mma_check_writing_rating":5,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Star One Credit Union has been around for more than 60 years and is the largest credit union in Silicon Valley.\r\n\r\nThough Star One branches are limited to the Silicon Valley area, it is part of a network of nearly 6,000 shared branches, which allow members to do their banking at partnered credit union locations. Plus, members get access to around 30,000 fee-free ATMs through the CO-OP network. \r\n\r\nStar One’s checking accounts are standouts. They earn interest, there are no monthly fees and two of the checking accounts offer ATM surcharge refunds. On the other hand, Star One’s CD selection is limited, and it doesn’t offer the most competitive money market account rate.","link":"https://https://www.bankrate.com//banking/reviews/star-one-credit-union/","status":"published","advertiser_id":"5570","name":"Star One Credit Union","scorecard":{"savings_apy":3.25,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"n_a","savings_access_to_funds_rating":0,"savings_enabled":false,"cd_apy":3.75,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":6,"cd_term_max":24,"cd_term_rating":2,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":3.25,"mma_apy_rating":4,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Provident Bank has a sizable branch presence in New Jersey, a few locations in Pennsylvania and one in New York. It offers numerous checking accounts, savings accounts and certificates of deposit options to appeal to a wide base of customers. That said, most of Provident Bank’s deposit accounts offer paltry APYs; you can easily find better rates elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/provident-bank/","status":"published","advertiser_id":"6514","name":"Provident Bank","scorecard":{}},{"short_summary":"Ridgewood Savings Bank offers the personal attention of a community bank combined with an impressive lineup of digital banking tools and services. Customers have access to competitive savings rates and an extensive network of 90,000 surcharge-free ATMs worldwide in the Allpoint and MoneyPass networks. While there are competitive yields on the bank’s savings account and CDs, the yield offered on its money market account is low.","link":"https://https://www.bankrate.com//banking/reviews/ridgewood-savings-bank/","status":"published","advertiser_id":"9409","name":"Ridgewood Savings Bank","scorecard":{}},{"short_summary":"New York-based Apple Bank is known for offering competitive yields. It has about 80 locations in the New York City area.","link":"https://https://www.bankrate.com//banking/reviews/apple-bank/","status":"published","advertiser_id":"2997","name":"Apple Bank","scorecard":{}},{"short_summary":"Patelco Credit Union is a full-service credit union serving members in Northern California. From investing and insurance to credit cards and savings, Patelco offers all the products you’d want to consolidate your banking in one place. Patelco offers stellar APYs on most of its share certificates and provides fee-free checking and money market accounts. But the yields for its savings account are extremely low, dimming the appeal of bringing all of your banking under Patelco’s roof.","link":"https://https://www.bankrate.com//banking/reviews/patelco-credit-union/","status":"published","advertiser_id":"5532","name":"Patelco Credit Union","scorecard":{}},{"short_summary":"KeyBank is a regional bank that offers deposit accounts to residents of the 15 states where it maintains branches. Customers have access to more than 1,000 branches and 40,000 fee-free ATMs. Checking, savings and money market accounts are available, as well as a wide range of certificate of deposit (CD) terms. But overall, you’ll need to look elsewhere to find competitive rates.","link":"https://https://www.bankrate.com//banking/reviews/key-bank/","status":"published","advertiser_id":"2087","name":"KeyBank","scorecard":{}},{"short_summary":"Randolph-Brooks Federal Credit Union is one of America’s best credit unions and one of the largest in the state of Texas.","link":"https://https://www.bankrate.com//banking/reviews/randolph-brooks-federal-credit-union/","status":"published","advertiser_id":"5551","name":"Randolph-Brooks Federal Credit Union","scorecard":{"savings_apy":0.3,"savings_apy_rating":2,"savings_min_balance":1,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.95,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":1.82,"mma_apy_rating":3,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":2500,"mma_min_balance_rating":3,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Established in 1888, Synovus is a full-service bank that offers deposit products, loans and financial planning and investing services. Most of the bank’s accounts require low minimum deposits and the checking account is free, but rates are much lower than what other banks are offering.","link":"https://https://www.bankrate.com//banking/reviews/synovus-bank/","status":"published","advertiser_id":"6240","name":"Synovus Bank","scorecard":{}},{"short_summary":"Emigrant Bank is a federally insured regional bank with two branch offices, one in Manhattan and one in Ossining, New York. Its deposit accounts generally pay rates above national averages, although significantly higher yields can be found elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/emigrant-bank/","status":"published","advertiser_id":"8624","name":"Emigrant Bank","scorecard":{}},{"short_summary":"VyStar Credit Union is one of the largest credit unions in Florida, offering various deposit accounts and services to hundreds of thousands of members. Its accounts don’t charge monthly service fees or have minimum balance requirements, although better yields can often be found at other financial institutions.","link":"https://https://www.bankrate.com//banking/reviews/vystar-credit-union/","status":"published","advertiser_id":"3250","name":"VyStar Credit Union","scorecard":{}},{"short_summary":"Transportation Alliance Bank is mostly an online bank that offers deposit accounts for individuals and businesses, as well as commercial loans.","link":"https://https://www.bankrate.com//banking/reviews/transportation-alliance-bank/","status":"published","advertiser_id":"10586","name":"TAB Bank","scorecard":{"savings_apy":4.26,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.21,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.25,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Cross River Bank offers checking, money market and savings accounts as well as CDs. Consumers may find the highly-localized nature of this bank is a deal breaker, but consumers in the New York City and New Jersey area looking for great rates on deposit products may find it’s a good fit.","link":"https://https://www.bankrate.com//banking/reviews/cross-river-bank/","status":"published","advertiser_id":"9497","name":"Cross River Bank","scorecard":{}},{"short_summary":"The Federal Savings Bank specializes in mortgages for homebuyers but also offers deposit products and personal loans. The bank offers savers options to earn interest on everyday bank accounts like checking and savings.","link":"https://https://www.bankrate.com//banking/reviews/the-federal-savings-bank/","status":"published","advertiser_id":"11807","name":"The Federal Savings Bank","scorecard":{}},{"short_summary":"CFG Bank is a community bank that maintains three branches in Maryland, and some of its accounts can be opened online. It offers a full range of deposit products, including CDs and a money market account that earn top-tier rates. Its free checking account allows customers to use more than 40,000 fee-free ATMs nationwide, though it can only be opened at a branch. Account holders can perform transactions online or through the highly-rated mobile app.\r\n\r\nWhile APYs are competitive for the bank’s CDs and money market accounts, the APY for its savings account is less so.","link":"https://https://www.bankrate.com//banking/reviews/cfg-bank/","status":"published","advertiser_id":"10529","name":"CFG Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":false,"cd_apy":4.15,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4.32,"mma_apy_rating":5,"mma_min_to_avoid_fees":1000,"mma_min_to_avoid_fees_rating":4,"mma_min_balance":1000,"mma_min_balance_rating":4,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"NBKC offers competitive rates on deposit accounts for business and personal customers.","link":"https://https://www.bankrate.com//banking/reviews/nbkc-bank/","status":"published","advertiser_id":"2162","name":"NBKC Bank","scorecard":{}},{"short_summary":"Northpointe Bank is a Grand Rapids, Michigan-based bank offering a full selection of deposit products, including both free and interest-bearing checking accounts. The bank doesn’t charge monthly service fees for its accounts, and it reimburses some ATM surcharges assessed by other banks. The savings and money market accounts pay competitive rates on some balance tiers, although significantly higher certificate of deposit (CD) yields can be found at other banks.","link":"https://https://www.bankrate.com//banking/reviews/northpointe-bank/","status":"published","advertiser_id":"9664","name":"Northpointe Bank","scorecard":{"savings_apy":0.25,"savings_apy_rating":2,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":3.25,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":0.35,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":2500,"mma_min_balance_rating":3,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Texas Capital Bank is a commercial bank based in Dallas that offers consumer deposit products, credit cards and personal loans. A regional institution, Texas Capital offers competitive APYs on their CDs and savings accounts, though its money market and checking accounts are a tad lackluster, offering paltry interest rates compared to top-performing banks. While the bank is primarily headquartered in Texas, customers can get access to their money without fees using Allpoint ATMs scattered across the country.","link":"https://https://www.bankrate.com//banking/reviews/texas-capital-bank/","status":"published","advertiser_id":"3205","name":"Texas Capital Bank","scorecard":{}},{"short_summary":"Bank5 Connect offers a savings account, checking account and CDs with above-average yields and low minimum balance requirements.","link":"https://https://www.bankrate.com//banking/reviews/bank5-connect/","status":"published","advertiser_id":"6498","name":"Bank5 Connect","scorecard":{}},{"short_summary":"Alliant Credit Union offers deposit accounts with competitive APYs and minimal fees. This Chicago-based credit union is insured by the National Credit Union Administration (NCUA) and offers a highly rated mobile app as well as access to a wide network of surcharge-free ATMs.","link":"https://https://www.bankrate.com//banking/reviews/alliant-credit-union/","status":"published","advertiser_id":"11768","name":"Alliant Credit Union","scorecard":{"savings_apy":3.1,"savings_apy_rating":4,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Merrick Bank is an online bank that offers some of the best CD rates nationwide, but it doesn’t offer other deposit products. The bank also offers credit cards and loans.","link":"https://https://www.bankrate.com//banking/reviews/merrick-bank/","status":"published","advertiser_id":"10452","name":"Merrick Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":false,"cd_apy":4.35,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":25000,"cd_min_deposit_rating":1,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Quontic Bank is an online bank headquartered in New York known for innovation and paying competitive rates.","link":"https://https://www.bankrate.com//banking/reviews/quontic-bank/","status":"published","advertiser_id":"10525","name":"Quontic Bank","scorecard":{"savings_apy":3.85,"savings_apy_rating":4,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"271_to_365_or_flat_fee","cd_early_withdrawal_penalty_rating":1,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":4.75,"mma_apy_rating":5,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":100,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"BMO’s products and services are geared toward a broad range of customers both in the U.S. and globally, from modest income earners to the wealthy. The bank maintains more than 500 branches, and many of its deposit accounts can also be opened online. While the bank offers a full suite of banking and loan products, yields on some of its deposit products are below average.","link":"https://https://www.bankrate.com//banking/reviews/bmo/","status":"published","advertiser_id":"10621","name":"BMO","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":25,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.15,"cd_apy_term":13,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.8,"mma_apy_rating":2,"mma_min_to_avoid_fees":5000,"mma_min_to_avoid_fees_rating":2,"mma_min_balance":25,"mma_min_balance_rating":5,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Fifth Third Bank is a regional financial institution with customers in 12 states and nearly 1,100 branches. It offers multiple checking and savings accounts, a money market account and a wide range of CD terms.","link":"https://https://www.bankrate.com//banking/reviews/fifth-third-bank/","status":"published","advertiser_id":"10528","name":"Fifth Third Bank","scorecard":{}},{"short_summary":"Customers Bank offers a wide array of deposit products, but the affordability of those accounts and the strength of those yields are inconsistent. Moreover, the bank is highly localized with only a handful of branches across three states. Customers looking for a large branch network should look elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/customers-bank/","status":"published","advertiser_id":"10455","name":"Customers Bank","scorecard":{}},{"short_summary":"Quorum Federal Credit Union offers online accounts to members nationwide. While it doesn’t maintain branches of its own, members can bank in person at more than 5,000 branches run by partnering credit unions. Quorum’s deposit account yields are well above the national average, yet higher rates of return can be found at various other financial institutions.","link":"https://https://www.bankrate.com//banking/reviews/quorum-federal-credit-union/","status":"published","advertiser_id":"11921","name":"Quorum Federal Credit Union","scorecard":{"savings_apy":3.75,"savings_apy_rating":4,"savings_min_balance":1,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":10,"savings_monthly_fee_rating":1,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":2.6,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"181_to_270_or_flat_fee","cd_early_withdrawal_penalty_rating":2,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Third Federal Savings \u0026 Loan Association is a Cleveland-based financial institution that operates primarily in Ohio and Florida. \r\n\r\nThird Federal offers a large swath of CDs to select from in addition to other traditional deposit products, including checking, savings and money market accounts. While APYs for its CDs are competitive, the bank falls behind the curve when it comes to APYs on its savings and money market account.","link":"https://https://www.bankrate.com//banking/reviews/third-federal-savings-and-loan-association/","status":"published","advertiser_id":"2336","name":"Third Federal Savings \u0026 Loan Association of Cleveland","scorecard":{}},{"short_summary":"Axos Bank is an online bank that offers a full range of deposit accounts. Its checking account stands out for its unlimited domestic ATM reimbursements and its lack of fees, yet its savings account earns rates that are lackluster.","link":"https://https://www.bankrate.com//banking/reviews/axos-bank/","status":"published","advertiser_id":"10324","name":"Axos Bank","scorecard":{"savings_apy":0.61,"savings_apy_rating":2,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":0.2,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.25,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"CIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs.\r\n\r\nCIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.","link":"https://https://www.bankrate.com//banking/reviews/cit-bank/","status":"published","advertiser_id":"7821","name":"CIT Bank","scorecard":{"savings_apy":4.3,"savings_apy_rating":5,"savings_min_balance":5000,"savings_min_balance_rating":2,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":0.3,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":1.55,"mma_apy_rating":3,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":100,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Citizens Bank offers a large range of banking services that will appeal to a multitude of customers. From savings and checking accounts to credit cards and home loans, Citizens Bank can be a one-stop shop for customers looking to save and borrow. The bank has a sizable branch presence in the New England, Mid-Atlantic and Midwest regions. While opening a deposit account at Citizens is very easy, savers can easily find better yields elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/citizens-bank/","status":"published","advertiser_id":"5355","name":"Citizens Bank","scorecard":{}},{"short_summary":"Popular Direct serves mobile and online banking customers across the country and pays competitive rates.","link":"https://https://www.bankrate.com//banking/reviews/popular-direct/","status":"published","advertiser_id":"7819","name":"Popular Direct","scorecard":{"savings_apy":4.3,"savings_apy_rating":5,"savings_min_balance":100,"savings_min_balance_rating":4,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":10000,"cd_min_deposit_rating":2,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"181_to_270_or_flat_fee","cd_early_withdrawal_penalty_rating":2,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Bethpage Federal Credit Union, the largest credit union in New York state, is a full-service banking institution. All of its deposit accounts are insured up to $250,000 through the National Credit Union Administration.","link":"https://https://www.bankrate.com//banking/reviews/bethpage-federal-credit-union/","status":"published","advertiser_id":"9361","name":"Bethpage Federal Credit Union","scorecard":{"savings_apy":0.1,"savings_apy_rating":1,"savings_min_balance":5,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.5,"cd_apy_term":7,"cd_apy_rating":5,"cd_min_deposit":50,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.2,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Barclays is a London-based multinational financial-services giant with global reach. In the U.S., Barclays offers a limited selection of deposit products online.","link":"https://https://www.bankrate.com//banking/reviews/barclays/","status":"published","advertiser_id":"7987","name":"Barclays","scorecard":{"savings_apy":4.15,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Based in Houston, Lone Star Bank (LSB) is a federally insured community bank serving individual consumers and businesses, small and large. LSB offers a wide array of consumer deposit products, including a savings account, a large range of certificates of deposit, checking accounts and a money market account. Some accounts offer higher yields than others, so depending on what you’re looking for, you may find higher APYs elsewhere","link":"https://https://www.bankrate.com//banking/reviews/lone-star-bank/","status":"published","advertiser_id":"5083","name":"Lone Star Bank","scorecard":{"savings_apy":0.3,"savings_apy_rating":2,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":200,"savings_min_to_avoid_fees_rating":4,"savings_monthly_fee":6,"savings_monthly_fee_rating":2,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.5,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":1,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.25,"mma_apy_rating":2,"mma_min_to_avoid_fees":1500,"mma_min_to_avoid_fees_rating":3,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"debit_and_atm","mma_debit_atm_access_rating":5,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"WebBank offers decent yields on CDs and savings accounts for consumers who are looking for a digital bank and are comfortable with an online-only experience. With no branch locations, all banking at WebBank is done solely through a web browser. The bank doesn’t offer a money market account or a checking account, so customers looking to consolidate their checking and savings in one place will need to look elsewhere.","link":"https://https://www.bankrate.com//banking/reviews/webbank/","status":"published","advertiser_id":"11924","name":"WebBank","scorecard":{"savings_apy":0.25,"savings_apy_rating":2,"savings_min_balance":1000,"savings_min_balance_rating":3,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"standard_transfers","savings_access_to_funds_rating":2,"savings_enabled":true,"cd_apy":1.1,"cd_apy_term":12,"cd_apy_rating":2,"cd_min_deposit":2500,"cd_min_deposit_rating":3,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"181_to_270_or_flat_fee","cd_early_withdrawal_penalty_rating":2,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Heritage Bank is based in Spicer, Minnesota. It offers checking accounts, savings accounts and CDs.","link":"https://https://www.bankrate.com//banking/reviews/heritage-bank/","status":"published","advertiser_id":"6322","name":"Heritage Bank","scorecard":{}},{"short_summary":"North American Savings Bank (NASB) is a midsize Kansas City bank with brick-and-mortar branches, as well as online banking services, digital wallets and a mobile app. It offers above-average yields on CDs, checking, savings and money market accounts. However, you often need to meet a certain balance requirement to get the highest rates. While many accounts can be opened from anywhere online, some can only be opened in one of the bank’s Kansas City branches.\r\n\r\nThe bank also has a “switch kit” that helps ease the transfer of funds from other banks.","link":"https://https://www.bankrate.com//banking/reviews/north-american-savings-bank/","status":"published","advertiser_id":"10492","name":"North American Savings Bank","scorecard":{}},{"short_summary":"M.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.","link":"https://https://www.bankrate.com//banking/reviews/my-safra-bank/","status":"published","advertiser_id":"9042","name":"M.Y. Safra Bank","scorecard":{}},{"short_summary":"FNBA is a federally insured bank. It opened in 1955 as First National Bank of East Lansing. It pays very solid interest rates on deposits and offers the conveniences of online and mobile banking. Though CDs can be opened online, the bank’s checking and Statement Savings and money market accounts can only be opened at a branch.","link":"https://https://www.bankrate.com//banking/reviews/first-national-bank-of-america/","status":"published","advertiser_id":"9880","name":"First National Bank of America","scorecard":{"savings_apy":2.51,"savings_apy_rating":3,"savings_min_balance":1000,"savings_min_balance_rating":3,"savings_min_to_avoid_fees":1000,"savings_min_to_avoid_fees_rating":2,"savings_monthly_fee":10,"savings_monthly_fee_rating":1,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.26,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Western State Bank is a well-established, federally insured bank based in North Dakota that offers deposit and loan products for individuals and businesses in North Dakota and Arizona. While it doesn’t offer very exciting rates, its accounts generally require little to open and come with perks, such as ATM fee refunds.","link":"https://https://www.bankrate.com//banking/reviews/western-state-bank/","status":"published","advertiser_id":"10520","name":"Western State Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":true,"mma_apy":4,"mma_apy_rating":4,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"FinWise Bank is a Utah-based bank that offers affordable checking and savings accounts and CDs, though only the latter offers competitive APYs. Customers can’t open accounts online, so this regional bank is best suited for those in the Sandy, Utah area, which you must visit to open an account. That noted, FinWise is part of the large MoneyPass network, giving you free access to your money via tens of thousands of ATMs scattered across the country.","link":"https://https://www.bankrate.com//banking/reviews/finwise-bank/","status":"published","advertiser_id":"11916","name":"FinWise Bank","scorecard":{}},{"short_summary":"Citizens Access is an online bank with no branches that offers savings products. It is a division of Citizens Bank. Citizens Access offers a competitive yield on its savings account and its CDs. Its savings account only requires 1 cent to open the account. Its five terms of CDs require a $5,000 minimum deposit.","link":"https://https://www.bankrate.com//banking/reviews/citizens-access/","status":"published","advertiser_id":"10454","name":"Citizens Access","scorecard":{"savings_apy":3.7,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4.35,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":5000,"cd_min_deposit_rating":3,"cd_term_min":12,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"The Huntington National Bank offers consumer-friendly products and a network of more than 1,000 branches mostly in the Midwest and South. A no-frills free checking account is available, yet yields on savings accounts and CDs are comparatively low.","link":"https://https://www.bankrate.com//banking/reviews/huntington-bank/","status":"published","advertiser_id":"5590","name":"Huntington Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":true,"cd_apy":0.5,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"3.01_plus","checking_out_of_network_atm_fee_rating":2,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_yes","checking_early_direct_deposit_rating":5,"checking_overdraft_fees":"0.01_to_25","checking_overdraft_fees_rating":4,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"M\u0026T Bank has its headquarters in Buffalo, New York, and is the 16th largest bank in the U.S. based on assets. It maintains more than 1,000 branches in 14 Eastern states as well as the District of Columbia. The bank’s CDs earn rates that are well above average, while the savings account earns a rock-bottom yield.","link":"https://https://www.bankrate.com//banking/reviews/m-t-bank/","status":"published","advertiser_id":"10690","name":"M\u0026T Bank","scorecard":{}},{"short_summary":"SoFi Bank offers a competitive yield for checking and savings customers who have a qualifying direct deposit with SoFi. But customers will need to open both a checking and savings account to bank with SoFi and will have to use direct deposit to earn the top APY.","link":"https://https://www.bankrate.com//banking/reviews/sofi-bank/","status":"published","advertiser_id":"11835","name":"SoFi","scorecard":{"savings_apy":3.8,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":false,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":0.5,"checking_apy_rating":5,"checking_min_deposit":0,"checking_min_deposit_rating":5,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"0","checking_out_of_network_atm_fee_rating":5,"checking_p2p_payments":"zelle_or_apple_pay","checking_p2p_payments_rating":4,"checking_early_direct_deposit":"edp_yes","checking_early_direct_deposit_rating":5,"checking_overdraft_fees":"nsf_fees_none","checking_overdraft_fees_rating":5,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"1000_or_more_or_network","checking_atm_network_rating":5,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Security Service Federal Credit Union has many different deposit accounts and certificate terms. Its checking account is unique, offering built-in identity theft protection and above-average interest rates. The credit union also offers several share certificate terms as well as high promotional rates on share certificates. However, the other account types are mediocre in terms of APYs and features.","link":"https://https://www.bankrate.com//banking/reviews/security-service-federal-credit-union/","status":"published","advertiser_id":"2266","name":"Security Service Federal Credit Union","scorecard":{"savings_apy":0.05,"savings_apy_rating":1,"savings_min_balance":5,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":100,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":3,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":2.15,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.05,"mma_apy_rating":1,"mma_min_to_avoid_fees":1000,"mma_min_to_avoid_fees_rating":4,"mma_min_balance":1000,"mma_min_balance_rating":4,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Webster Bank is a regional bank with locations primarily from Massachusetts to New York. It offers checking accounts, savings accounts, CDs, health savings accounts (HSAs) and lending products. Webster Financial Corporation and Sterling Bancorp completed its merger in February 2022.\r\n\r\nThe bank is great for those 21 or under or 65 or over who would like a free savings account, with the Webster Value Savings account. But the bank's yields are generally very low.","link":"https://https://www.bankrate.com//banking/reviews/webster-bank/","status":"published","advertiser_id":"5372","name":"Webster","scorecard":{}},{"short_summary":"First Citizens Bank originated more than 120 years ago and maintains branches in 23 states. The bank offers a free checking account as well as two that pay interest. While the minimum deposit required to open some accounts is low, higher yields can be found elsewhere on savings accounts, money market accounts and CDs.","link":"https://https://www.bankrate.com//banking/reviews/first-citizens-bank/","status":"published","advertiser_id":"6320","name":"First Citizens","scorecard":{"savings_apy":0.1,"savings_apy_rating":1,"savings_min_balance":50,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":0.01,"cd_apy_term":12,"cd_apy_rating":1,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.05,"mma_apy_rating":1,"mma_min_to_avoid_fees":1000,"mma_min_to_avoid_fees_rating":4,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":10,"mma_monthly_fee_rating":3,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":50,"checking_min_deposit_rating":4,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"0.01_to_2.00","checking_out_of_network_atm_fee_rating":4,"checking_p2p_payments":"zelle_or_apple_pay","checking_p2p_payments_rating":4,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"25.01_to_35","checking_overdraft_fees_rating":3,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"200_to_999","checking_atm_network_rating":4,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Serving residents throughout the Southern and Midwestern U.S., Regions Bank offers all types of deposit accounts, and customers get rewarded for loyalty, such as by earning a higher CD rate when they have a checking account with the bank. The rates on Regions Bank’s products are low overall, though. There are also high minimum balance requirements to waive the monthly fee on money market and checking accounts.","link":"https://https://www.bankrate.com//banking/reviews/regions-bank/","status":"published","advertiser_id":"2244","name":"Regions","scorecard":{}},{"short_summary":"Charles Schwab Bank is ideal for consumers looking for fee-free access to ATMs all over the world, as well as a checking account that pays some interest. The federally insured bank also offers a savings account, and it’s a convenient choice for anyone who wishes to keep their investment and bank accounts all in the same place.","link":"https://https://www.bankrate.com//banking/reviews/charles-schwab-bank/","status":"published","advertiser_id":"11914","name":"Charles Schwab","scorecard":{"savings_apy":0.15,"savings_apy_rating":1,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":false,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Comerica Bank offers a full suite of deposit products. While there are many types of accounts available, they tend to have low yields and high monthly fees. However, there are ways to waive the monthly fees on each account.","link":"https://https://www.bankrate.com//banking/reviews/comerica-bank/","status":"published","advertiser_id":"1871","name":"Comerica","scorecard":{}},{"short_summary":"Members of America First Credit Union maintain membership by opening a savings account and keeping at least $1 in the account. They also have access to a full suite of deposit products, mobile banking services, loans, credit cards and more. There are minimal fees associated with the credit union’s deposit accounts. Rates on CDs are competitive, but they are less so for share savings and money market accounts.","link":"https://https://www.bankrate.com//banking/reviews/america-first-credit-union/","status":"published","advertiser_id":"5291","name":"America First Credit Union","scorecard":{"savings_apy":0.05,"savings_apy_rating":1,"savings_min_balance":1,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.35,"cd_apy_term":12,"cd_apy_rating":5,"cd_min_deposit":500,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":1.3,"mma_apy_rating":3,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":1,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"no_debit_and_atm","mma_debit_atm_access_rating":2,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"MySavingsDirect is an online bank that’s a division of New York-based Emigrant Bank, which has been in operation since 1850. Its savings account pays a highly competitive rate, so it may be well suited for anyone comfortable banking entirely online. The bank also offers CDs, yet no money market or checking accounts are available.","link":"https://https://www.bankrate.com//banking/reviews/mysavingsdirect-bank/","status":"published","advertiser_id":"10501","name":"MySavingsDirect","scorecard":{}},{"short_summary":"Bank of the West is a larger regional bank with most of its branches operating in the Western and Midwestern U.S. It offers a range of deposit products, and it has strict environmental policies that ensure that all the bank’s activity is environmentally sustainable. Many of the bank’s monthly service fees are easy to waive, and there is no minimum required to open a checking account. However, rates are very low.\r\n\r\nBMO Harris announced that it formally acquired Bank of the West as of February 2023, though accounts remain the same for now. The bank expects to begin converting Bank of the West accounts to BMO Harris accounts later this year.","link":"https://https://www.bankrate.com//banking/reviews/bank-of-the-west/","status":"published","advertiser_id":"3868","name":"Bank of the West","scorecard":{}},{"short_summary":"State Employees’ Credit Union offers all of the standard deposit accounts, including share certificates, savings, checking and money market accounts. APYs on these products are not very competitive, but they charge minimal fees and have low minimum opening deposit requirements.\r\n\r\nThough members don’t necessarily have to live in North Carolina, they do need to have a connection to the state through their employment. Plus, branches and fee-free ATMs are limited to North Carolina.","link":"https://https://www.bankrate.com//banking/reviews/state-employees-credit-union/","status":"published","advertiser_id":"6071","name":"State Employees’ Credit Union","scorecard":{}},{"short_summary":"Zions Bank operates in Utah, Idaho and Wyoming, with online and mobile banking options as well. Its banking products include 10 CD terms, several savings accounts, money market accounts and checking accounts. Most accounts have no monthly fee, or offer ways that the monthly fee can be waived. However, rates overall are mediocre.\r\n\r\nThe bank’s ATM network is limited to Utah and Idaho. Otherwise, customers have to pay $2.50 per transaction to access their cash.","link":"https://https://www.bankrate.com//banking/reviews/zions-bank/","status":"published","advertiser_id":"5358","name":"Zions Bank","scorecard":{"savings_apy":null,"savings_apy_rating":null,"savings_min_balance":null,"savings_min_balance_rating":null,"savings_min_to_avoid_fees":null,"savings_min_to_avoid_fees_rating":null,"savings_monthly_fee":null,"savings_monthly_fee_rating":null,"savings_access_to_funds":null,"savings_access_to_funds_rating":null,"savings_enabled":true,"cd_apy":2.69,"cd_apy_term":12,"cd_apy_rating":3,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":0.4,"mma_apy_rating":2,"mma_min_to_avoid_fees":1000,"mma_min_to_avoid_fees_rating":4,"mma_min_balance":1000,"mma_min_balance_rating":4,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":0,"checking_apy_rating":0,"checking_min_deposit":50,"checking_min_deposit_rating":4,"checking_min_to_avoid_fees":0,"checking_min_to_avoid_fees_rating":5,"checking_monthly_fee":0,"checking_monthly_fee_rating":5,"checking_fee_to_use_out_of_network_atm":"2.01_to_3.00","checking_out_of_network_atm_fee_rating":3,"checking_p2p_payments":"zelle_and_apple_pay","checking_p2p_payments_rating":5,"checking_early_direct_deposit":"edp_no","checking_early_direct_deposit_rating":3,"checking_overdraft_fees":"25.01_to_35","checking_overdraft_fees_rating":3,"checking_nsf_fees":"nsf_fees_none","checking_nsf_fees_rating":5,"checking_atm_network":"n_a","checking_atm_network_rating":1,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"East West Bank is a California-based institution with a large ATM network, so even if you don’t live on the West Coast, you’ll have easy and free access to your money. However, customers looking to grow their savings won’t find much help here, as rates at East West Bank are well below the national average.","link":"https://https://www.bankrate.com//banking/reviews/east-west-bank/","status":"published","advertiser_id":"5923","name":"East West Bank","scorecard":{}},{"short_summary":"Colorado Federal Savings Bank has a small range of deposit products to choose from; only certificates of deposits and two savings accounts are available. The APYs offered for these accounts are competitive, but high minimum balance requirements may be a deal breaker for some customers. Moreover, without a mobile app, access to ATMs or common online banking functionalities available at other institutions, savers must be comfortable with banking solely through Colorado Federal Savings’ website.","link":"https://https://www.bankrate.com//banking/reviews/colorado-federal-savings-bank/","status":"published","advertiser_id":"6413","name":"Colorado Federal Savings Bank","scorecard":{}},{"short_summary":"First Tech Federal Credit Union offers a large swath of financial services, ranging from traditional deposit products like savings and checking accounts to credit cards and home loans. Though the APYs for the credit union’s share certificates are competitive, the yields for most of its savings and checking accounts leave much to be desired.","link":"https://https://www.bankrate.com//banking/reviews/first-tech-federal-credit-union/","status":"published","advertiser_id":"5447","name":"First Tech Federal Credit Union","scorecard":{"savings_apy":0.01,"savings_apy_rating":1,"savings_min_balance":5,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":3.5,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":5,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":0.25,"mma_apy_rating":2,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":25,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"n_a","mma_debit_atm_access_rating":0,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":null,"link":"https://https://www.bankrate.com//banking/reviews/mountain-america-credit-union/","status":"published","advertiser_id":"5505","name":"Mountain America Credit Union","scorecard":{}},{"short_summary":"Associated Bank offers a regional banking experience for customers in the Midwest. Although its branches are limited to just three states, Associated’s large ATM network extends its banking footprint past the Midwest, where the bank mainly operates. Interest rates are low for Associated Bank’s CDs, savings and money market accounts, and various fees apply, but they offer stellar checking accounts that make digital banking easy.","link":"https://https://www.bankrate.com//banking/reviews/associated-bank/","status":"published","advertiser_id":"5299","name":"Associated Bank","scorecard":{}},{"short_summary":"With more than 200 branches and low minimum deposit requirements, Glacier Bank’s large range of deposit products are easy to open and will fit many customer needs. However, most of its accounts offer very low APYs, falling well short of the competition. The bank offers good rates on select products, but those are generally the exception to the rule.","link":"https://https://www.bankrate.com//banking/reviews/glacier-bank/","status":"published","advertiser_id":"5458","name":"Glacier Bank","scorecard":{}},{"short_summary":"With 62 branches across Florida, New York and Texas, and deposit accounts available online, BankUnited is a highly accessible bank offering a wide array of products, including certificates of deposit, checking, savings and money market accounts. Its mobile app makes online banking easy, and with access to more than 55,000 fee-free Allpoint ATMs worldwide, your money is never far away. Some of its products offer robust yields, maximizing the most of your savings, but many others fall well short of the competition.","link":"https://https://www.bankrate.com//banking/reviews/bankunited/","status":"published","advertiser_id":"10496","name":"BankUnited","scorecard":{}},{"short_summary":"Frost Bank is a Texas-based institution offering a wide array of financial products and services for consumers and businesses alike. Along with a large range of deposit products, Frost offers investment services, too, making it a great bank to bring all of your financial needs under one roof. Frost is currently offering highly competitive yields on multiple deposit accounts, including certificates of deposit and money market accounts. \r\n\r\nHowever, since Frost is a highly regional bank, you may find it difficult to access your money without incurring fees.","link":"https://https://www.bankrate.com//banking/reviews/frost-bank/","status":"published","advertiser_id":"5588","name":"Frost Bank","scorecard":{}},{"short_summary":"SouthState Bank offers a wide array of banking products, ranging from consumer savings accounts and credit cards to mortgages and small business banking. The bank generally offers low yields for its savings accounts, but its wide variety of checking accounts will fit many needs.","link":"https://https://www.bankrate.com//banking/reviews/southstate-bank/","status":"published","advertiser_id":"6017","name":"SouthState Bank","scorecard":{}},{"short_summary":"BMO Alto is a new option for online-only accounts that launched in April 2023. It offers a high-yield savings account and six terms of CDs and is part of the BMO Financial Group. Customers who are looking for a competitive yield on those products will find BMO Alto to be an appealing option.","link":"https://https://www.bankrate.com//banking/reviews/bmo-alto/","status":"published","advertiser_id":"11961","name":"BMO Alto","scorecard":{"savings_apy":4,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"standard_transfers","savings_access_to_funds_rating":2,"savings_enabled":true,"cd_apy":3.9,"cd_apy_term":12,"cd_apy_rating":4,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":6,"cd_term_max":60,"cd_term_rating":4,"cd_early_withdrawal_penalty":"91_to_180","cd_early_withdrawal_penalty_rating":3,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":false,"cd_ira_rating":0,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Forbright Bank offers a full range of personal bank accounts as well as credit cards and loans. The one-year CD earns one of the best rates around, and the two savings accounts earn high yields on some balances. While CDs can be opened online, all other deposit accounts need to be opened at a branch.","link":"https://https://www.bankrate.com//banking/reviews/forbright-bank/","status":"published","advertiser_id":"11797","name":"Forbright Bank","scorecard":{"savings_apy":4.25,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_and_atm_access","savings_access_to_funds_rating":5,"savings_enabled":true,"cd_apy":4.25,"cd_apy_term":9,"cd_apy_rating":5,"cd_min_deposit":1000,"cd_min_deposit_rating":4,"cd_term_min":9,"cd_term_max":60,"cd_term_rating":3,"cd_early_withdrawal_penalty":"61_to_90","cd_early_withdrawal_penalty_rating":4,"cd_no_penalty":false,"cd_no_penalty_rating":0,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Ally Bank is a one-stop shop for online-only banking customers from coast to coast. It offers a competitive yield on its savings account, money market account and its CDs. It is a part of a large fee-free ATM network and its checking account reimburses $10 worth of out-of-network ATM fees each statement period.","link":"https://https://www.bankrate.com//banking/reviews/ally-bank/","status":"published","advertiser_id":"5068","name":"Ally Bank","scorecard":{"savings_apy":3.7,"savings_apy_rating":4,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"transfers_and_mobile_deposit_or_atm_access","savings_access_to_funds_rating":4,"savings_enabled":true,"cd_apy":4,"cd_apy_term":9,"cd_apy_rating":4,"cd_min_deposit":0,"cd_min_deposit_rating":5,"cd_term_min":3,"cd_term_max":60,"cd_term_rating":5,"cd_early_withdrawal_penalty":"60_or_less","cd_early_withdrawal_penalty_rating":5,"cd_no_penalty":true,"cd_no_penalty_rating":5,"cd_ira":true,"cd_ira_rating":5,"cd_enabled":true,"mma_apy":3.7,"mma_apy_rating":4,"mma_min_to_avoid_fees":0,"mma_min_to_avoid_fees_rating":5,"mma_min_balance":0,"mma_min_balance_rating":5,"mma_monthly_fee":0,"mma_monthly_fee_rating":5,"mma_check_writing":false,"mma_check_writing_rating":3,"mma_debit_atm_access":"atm_only","mma_debit_atm_access_rating":4,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":true,"mma_enabled":true,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Jenius Bank is a new, online-only bank that opened in 2023. It offers just one savings account. It’s best for customers who are comfortable solely banking online, as the bank doesn’t have branches or ATM access.","link":"https://https://www.bankrate.com//banking/reviews/jenius-bank/","status":"published","advertiser_id":"12004","name":"Jenius Bank","scorecard":{"savings_apy":4.5,"savings_apy_rating":5,"savings_min_balance":0,"savings_min_balance_rating":5,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"standard_transfers","savings_access_to_funds_rating":2,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":false,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}},{"short_summary":"Laurel Road is a fintech company offering a variety of financial products and services, including home and personal loans, credit cards and a handful of deposit accounts. While there’s ATM access, Laurel Road doesn’t have branches. As such, Laurel Road is best for customers who are comfortable with solely banking online.","link":"https://https://www.bankrate.com//banking/reviews/laurel-road/","status":"published","advertiser_id":"11960","name":"Laurel Road","scorecard":{}},{"short_summary":"Openbank is the new digital arm of Santander Bank, and it launched in October 2024, with just one savings account. Accounts at Openbank are FDIC-insured through Santander Bank. However, deposits across these banks are not insured separately, so if you open an account at both of these banks, you’ll have just one insurance pool (up to $250,000) to draw from.","link":"https://https://www.bankrate.com//banking/reviews/openbank/","status":"published","advertiser_id":"14127","name":"Openbank","scorecard":{"savings_apy":4.75,"savings_apy_rating":5,"savings_min_balance":500,"savings_min_balance_rating":3,"savings_min_to_avoid_fees":0,"savings_min_to_avoid_fees_rating":5,"savings_monthly_fee":0,"savings_monthly_fee_rating":5,"savings_access_to_funds":"standard_transfers","savings_access_to_funds_rating":2,"savings_enabled":true,"cd_apy":null,"cd_apy_term":null,"cd_apy_rating":null,"cd_min_deposit":null,"cd_min_deposit_rating":null,"cd_term_min":null,"cd_term_max":null,"cd_term_rating":null,"cd_early_withdrawal_penalty":null,"cd_early_withdrawal_penalty_rating":null,"cd_no_penalty":false,"cd_no_penalty_rating":null,"cd_ira":false,"cd_ira_rating":null,"cd_enabled":false,"mma_apy":null,"mma_apy_rating":null,"mma_min_to_avoid_fees":null,"mma_min_to_avoid_fees_rating":null,"mma_min_balance":null,"mma_min_balance_rating":null,"mma_monthly_fee":null,"mma_monthly_fee_rating":null,"mma_check_writing":false,"mma_check_writing_rating":null,"mma_debit_atm_access":null,"mma_debit_atm_access_rating":null,"checking_apy":null,"checking_apy_rating":null,"checking_min_deposit":null,"checking_min_deposit_rating":null,"checking_min_to_avoid_fees":null,"checking_min_to_avoid_fees_rating":null,"checking_monthly_fee":null,"checking_monthly_fee_rating":null,"checking_fee_to_use_out_of_network_atm":null,"checking_out_of_network_atm_fee_rating":null,"checking_p2p_payments":null,"checking_p2p_payments_rating":null,"checking_early_direct_deposit":null,"checking_early_direct_deposit_rating":null,"checking_overdraft_fees":null,"checking_overdraft_fees_rating":null,"checking_nsf_fees":null,"checking_nsf_fees_rating":null,"checking_atm_network":null,"checking_atm_network_rating":null,"checking_enabled":false,"mma_enabled":false,"has_cd":false,"has_savings":false,"has_mma":false,"has_checking":false,"show_card":true}}],"suppressedAdvertiserIds":["10324","3113","9904","8351"],"suppressProductPills":"OFF","suppressEditorialRates":false,"suppressUserFilters":false,"pageSelect":"savings","pid":null,"showTopEditorialRate":true,"yearlyRateHistory":{"10138-SAVINGS-null-undefined":[],"11768-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"3.1","date":"2024-07-29T00:00:00.000Z"}],"5068-SAVINGS-null-undefined":[],"7987-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"4.15","date":"2025-02-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2025-02-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2025-01-14T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2025-01-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2024-12-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-11-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-08-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-08-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-07-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-07-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-07-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-07-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2024-07-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2024-05-28T00:00:00.000Z"}],"11961-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"4","date":"2025-02-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2025-02-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2025-01-09T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2025-01-09T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-12-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.45","date":"2024-12-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.45","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.45","date":"2024-12-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.45","date":"2024-11-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-11-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-09-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-09-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-07-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-07-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.85","date":"2024-07-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-07-10T00:00:00.000Z"}],"10621-SAVINGS-null-undefined":[],"8351-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"3.7","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2025-02-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2025-01-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-12-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-10-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-10-09T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-09-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-07-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2024-07-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-04-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2024-04-11T00:00:00.000Z"}],"10435-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"4.28","date":"2025-01-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.38","date":"2024-12-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.51","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.51","date":"2024-11-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.61","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.61","date":"2024-09-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.01","date":"2024-09-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.01","date":"2024-07-10T00:00:00.000Z"}],"7821-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"4.3","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2024-12-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.55","date":"2024-11-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.55","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.85","date":"2024-09-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-07-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-06-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-06-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-05-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-05-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-05-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-05-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-05-01T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-03-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-03-12T00:00:00.000Z"}],"10677-SAVINGS-null-undefined":[],"10454-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"3.9","date":"2024-11-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-07-18T00:00:00.000Z"}],"11757-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"4.2","date":"2025-01-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2025-01-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.55","date":"2024-12-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-12-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.55","date":"2024-11-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-11-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-09-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.85","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.95","date":"2024-08-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-07-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-05-13T00:00:00.000Z"}],"10049-SAVINGS-null-undefined":[],"10206-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"3.75","date":"2025-02-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-12-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-09-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-09-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-03-14T00:00:00.000Z"}],"11967-SAVINGS-null-undefined":[],"11980-SAVINGS-null-undefined":[],"12004-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"4.5","date":"2025-01-15T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2025-01-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2025-01-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2025-01-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-11-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-10-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-10-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-10-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-07-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-07-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-05-08T00:00:00.000Z"}],"11797-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"4.25","date":"2025-01-09T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2025-01-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2025-01-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2025-01-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-09-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-09-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-09-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-07-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-06-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-06-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-06-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-06-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-05-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-05-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-04-29T00:00:00.000Z"}],"9904-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"3.9","date":"2025-01-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-10-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-06-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-06-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-04-03T00:00:00.000Z"}],"11960-SAVINGS-null-undefined":[],"11844-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"4.5","date":"2025-02-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2025-02-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2025-01-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-11-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-11-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-10-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-10-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-08-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-08-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-08-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-08-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-07-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-07-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-07-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-05-15T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-04-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-04-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-03-12T00:00:00.000Z"}],"10462-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"5.2","date":"2024-09-20T00:00:00.000Z"}],"10083-SAVINGS-null-undefined":[],"11868-SAVINGS-null-undefined":[],"10525-SAVINGS-null-undefined":[],"11977-SAVINGS-null-undefined":[],"11962-SAVINGS-null-undefined":[],"6642-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"3.9","date":"2025-01-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2025-01-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-12-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-11-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-10-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-10-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-09-26T00:00:00.000Z"}],"11835-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"3.8","date":"2025-02-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-12-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-10-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-06-12T00:00:00.000Z"}],"10659-SAVINGS-null-undefined":[],"8289-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"4","date":"2025-02-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2025-01-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-12-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-12-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-11-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-10-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-10-01T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-09-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-09-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.65","date":"2024-08-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-08-02T00:00:00.000Z"}],"11890-SAVINGS-null-undefined":[],"3205-SAVINGS-null-undefined":[],"10554-SAVINGS-null-undefined":[],"2468-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"4.3","date":"2025-01-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2025-01-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-12-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-12-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-11-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-10-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-09-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-07-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-07-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-07-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-05-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-04-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-04-09T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-04-01T00:00:00.000Z"}],"1774-SAVINGS-null-undefined":[],"11880-SAVINGS-null-undefined":[],"11926-SAVINGS-null-undefined":[],"11927-SAVINGS-null-undefined":[{"state":"NATIONAL","yield":"4.3","date":"2025-01-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2025-01-15T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.46","date":"2024-12-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.46","date":"2024-11-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.81","date":"2024-10-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.96","date":"2024-10-15T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.01","date":"2024-10-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.11","date":"2024-09-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.31","date":"2024-08-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.31","date":"2024-07-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.31","date":"2024-07-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-05-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-05-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-05-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-04-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-04-15T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-04-15T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-04-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-04-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-04-10T00:00:00.000Z"}],"10520-SAVINGS-null-undefined":[],"10523-SAVINGS-null-undefined":[],"2468-CD-1000-9":[{"state":"NATIONAL","yield":"4","date":"2025-01-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2025-01-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-12-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-10-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-09-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-09-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-09-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.95","date":"2024-08-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-05-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-03-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-02-22T00:00:00.000Z"}],"2468-CD-1000-12":[{"state":"NATIONAL","yield":"3.9","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-09-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-09-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-08-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-05-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.85","date":"2024-03-29T00:00:00.000Z"}],"2468-CD-1000-24":[{"state":"NATIONAL","yield":"3.75","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-08-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-05-17T00:00:00.000Z"}],"2468-CD-1000-6":[{"state":"NATIONAL","yield":"4","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-08T00:00:00.000Z"}],"2468-CD-1000-3":[{"state":"NATIONAL","yield":"3.95","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.95","date":"2024-11-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.95","date":"2024-09-08T00:00:00.000Z"}],"2468-CD-1000-18":[{"state":"NATIONAL","yield":"3.7","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.85","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-08-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-05-17T00:00:00.000Z"}],"2468-CD-1000-36":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-12-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.45","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-09-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-08-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-05-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-05-17T00:00:00.000Z"}],"2468-CD-1000-48":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-12-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.45","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-09-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-08-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-05-17T00:00:00.000Z"}],"2468-CD-1000-30":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-09-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-08-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-05-17T00:00:00.000Z"}],"2468-CD-1000-60":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-12-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.45","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.65","date":"2024-09-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.65","date":"2024-08-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-05-17T00:00:00.000Z"}],"6642-CD-2500-12":[{"state":"NATIONAL","yield":"4","date":"2025-01-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2025-01-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-12-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-10-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-09-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-09-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-08-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.95","date":"2024-08-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-08-09T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-07-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-06-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-05-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.95","date":"2024-03-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-02-29T00:00:00.000Z"}],"6642-CD-2500-13":[{"state":"NATIONAL","yield":"4.05","date":"2025-01-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.05","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.05","date":"2024-10-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-09-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-09-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-08-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-08-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.2","date":"2024-07-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.2","date":"2024-07-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-05-23T00:00:00.000Z"}],"6642-CD-2500-36":[{"state":"NATIONAL","yield":"3.4","date":"2025-01-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.4","date":"2024-12-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-10-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-08-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-08-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-07-19T00:00:00.000Z"}],"6642-CD-2500-15":[{"state":"NATIONAL","yield":"5.15","date":"2024-07-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-03-19T00:00:00.000Z"}],"6642-CD-2500-11":[{"state":"NATIONAL","yield":"5.1","date":"2024-06-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-05-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-03-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-02-29T00:00:00.000Z"}],"6642-CD-2500-9":[{"state":"NATIONAL","yield":"4.85","date":"2024-03-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-02-29T00:00:00.000Z"}],"6642-CD-2500-6":[{"state":"NATIONAL","yield":"4.8","date":"2024-03-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.95","date":"2024-02-29T00:00:00.000Z"}],"7987-CD-0-12":[{"state":"NATIONAL","yield":"4","date":"2025-01-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2025-01-14T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-12-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.85","date":"2024-07-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-05-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-03-01T00:00:00.000Z"}],"7987-CD-0-6":[{"state":"NATIONAL","yield":"3.8","date":"2025-01-14T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-10-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.65","date":"2024-10-14T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-10-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-08-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.85","date":"2024-05-15T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-04-15T00:00:00.000Z"}],"7987-CD-0-9":[{"state":"NATIONAL","yield":"3.8","date":"2025-01-14T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-07-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-07-25T00:00:00.000Z"}],"7987-CD-0-3":[{"state":"NATIONAL","yield":"0.1","date":"2025-01-02T00:00:00.000Z"}],"7987-CD-0-60":[{"state":"NATIONAL","yield":"3.25","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.25","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.25","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-05-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-04-12T00:00:00.000Z"}],"7987-CD-0-18":[{"state":"NATIONAL","yield":"3.25","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.25","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.25","date":"2024-08-06T00:00:00.000Z"}],"7987-CD-0-24":[{"state":"NATIONAL","yield":"3","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"3","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"3","date":"2024-08-06T00:00:00.000Z"}],"7987-CD-0-48":[{"state":"NATIONAL","yield":"3","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"3","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"3","date":"2024-08-06T00:00:00.000Z"}],"7987-CD-0-36":[{"state":"NATIONAL","yield":"3","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"3","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"3","date":"2024-08-06T00:00:00.000Z"}],"8289-CD-0-13":[{"state":"NATIONAL","yield":"4.35","date":"2025-02-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2025-01-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2025-01-15T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2025-01-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-12-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-12-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-12-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-08-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.65","date":"2024-08-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.65","date":"2024-08-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-06-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-06-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-05-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-05-15T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-05-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-05-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-04-25T00:00:00.000Z"}],"8289-CD-0-60":[{"state":"NATIONAL","yield":"4.15","date":"2025-01-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-12-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-06-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-05-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-04-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-03-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-02-27T00:00:00.000Z"}],"8289-CD-0-9":[{"state":"NATIONAL","yield":"4","date":"2025-01-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-12-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-12-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.05","date":"2024-12-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-11-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.05","date":"2024-11-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.05","date":"2024-11-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2024-10-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-10-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-10-01T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-09-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-09-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.85","date":"2024-08-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-08-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-08-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-06-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-06-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-06-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-05-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-05-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-05-01T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-04-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-04-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-03-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-03-26T00:00:00.000Z"}],"8289-CD-0-12":[{"state":"NATIONAL","yield":"4","date":"2025-01-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-12-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-10-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-10-01T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-09-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-09-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-08-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-08-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-06-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-05-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-04-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-03-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-02-27T00:00:00.000Z"}],"8289-CD-0-36":[{"state":"NATIONAL","yield":"4","date":"2025-01-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-12-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-11-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-01T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-09-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-06-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-05-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-04-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-03-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-02-27T00:00:00.000Z"}],"8289-CD-0-18":[{"state":"NATIONAL","yield":"3.8","date":"2025-01-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-12-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-11-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-10-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-08-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-08-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-06-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-05-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-04-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-03-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-02-27T00:00:00.000Z"}],"8289-CD-0-6":[{"state":"NATIONAL","yield":"3.7","date":"2025-01-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-12-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-11-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-10-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-10-01T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-09-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-08-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-08-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-06-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-05-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-04-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-04-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-04-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-03-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-02-27T00:00:00.000Z"}],"8289-CD-0-24":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-12-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-11-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-11-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-11-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-10-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-10-01T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-08-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-08-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-06-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-05-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-04-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-03-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-02-27T00:00:00.000Z"}],"8289-CD-0-48":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-12-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-11-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-11-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-11-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-08-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-06-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-05-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-04-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-03-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-02-27T00:00:00.000Z"}],"8289-CD-0-3":[{"state":"NATIONAL","yield":"2.05","date":"2024-02-22T00:00:00.000Z"}],"8351-CD-0-12":[{"state":"NATIONAL","yield":"4","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-12-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-11-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-08-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-05-14T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-05-09T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-03-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-03-12T00:00:00.000Z"}],"8351-CD-0-6":[{"state":"NATIONAL","yield":"3.8","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-12-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-11-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-07-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-04-11T00:00:00.000Z"}],"8351-CD-0-9":[{"state":"NATIONAL","yield":"3.8","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-11-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-04-11T00:00:00.000Z"}],"8351-CD-0-18":[{"state":"NATIONAL","yield":"3.7","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-08-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.45","date":"2024-07-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.45","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-03-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-03-12T00:00:00.000Z"}],"8351-CD-0-24":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-11-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-09-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-03-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-03-12T00:00:00.000Z"}],"8351-CD-0-30":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-11-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-09-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-04-11T00:00:00.000Z"}],"8351-CD-0-36":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-11-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-09-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-08-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-04-11T00:00:00.000Z"}],"8351-CD-0-48":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.55","date":"2024-11-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.65","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.55","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.65","date":"2024-09-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-08-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.05","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.95","date":"2024-04-11T00:00:00.000Z"}],"8351-CD-0-60":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-11-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-09-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-08-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-04-11T00:00:00.000Z"}],"8351-CD-1-12":[{"state":"NATIONAL","yield":"4","date":"2024-11-20T00:00:00.000Z"}],"8351-CD-0-10":[{"state":"NATIONAL","yield":"4","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-09-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-07-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-05-14T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-05-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-04-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-03-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-03-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2024-03-12T00:00:00.000Z"}],"8351-CD-0-11":[{"state":"NATIONAL","yield":"4.5","date":"2024-11-14T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-10-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-09-18T00:00:00.000Z"}],"9904-CD-500-14":[{"state":"NATIONAL","yield":"4.5","date":"2025-02-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-06-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-03-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-03-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-02-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-02-21T00:00:00.000Z"}],"9904-CD-500-6":[{"state":"NATIONAL","yield":"4.2","date":"2025-02-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-10-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-09-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-08-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.85","date":"2024-08-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-06-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-05-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-04-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-03-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-03-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-02-21T00:00:00.000Z"}],"9904-CD-500-18":[{"state":"NATIONAL","yield":"4.1","date":"2025-02-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-08-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-08-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-07-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-06-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-03-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-03-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-02-21T00:00:00.000Z"}],"9904-CD-500-24":[{"state":"NATIONAL","yield":"4.1","date":"2025-02-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-11-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-08-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-08-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-07-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-06-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-03-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-03-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-02-21T00:00:00.000Z"}],"9904-CD-500-36":[{"state":"NATIONAL","yield":"4","date":"2025-02-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.65","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.65","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.65","date":"2024-11-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-06-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-03-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-02-21T00:00:00.000Z"}],"9904-CD-500-9":[{"state":"NATIONAL","yield":"4.3","date":"2025-01-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-12-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-10-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-09-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-08-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.85","date":"2024-08-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-06-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-04-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-03-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-03-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-02-21T00:00:00.000Z"}],"9904-CD-500-60":[{"state":"NATIONAL","yield":"3.75","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.65","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.65","date":"2024-12-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-11-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-06-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-03-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-02-21T00:00:00.000Z"}],"9904-CD-500-48":[{"state":"NATIONAL","yield":"3.75","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.65","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.65","date":"2024-12-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-11-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.85","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-08-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.05","date":"2024-06-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.05","date":"2024-03-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-02-21T00:00:00.000Z"}],"9904-CD-500-72":[{"state":"NATIONAL","yield":"3.75","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.65","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.65","date":"2024-12-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2024-11-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-07-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-06-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-03-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-03-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-02-21T00:00:00.000Z"}],"9904-CD-500-12":[{"state":"NATIONAL","yield":"4.25","date":"2025-01-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-12-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-10-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-10-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-09-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-09-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-08-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-08-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-08-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-06-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-06-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-04-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-03-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-03-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-02-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-02-21T00:00:00.000Z"}],"10206-CD-0-18":[{"state":"NATIONAL","yield":"4","date":"2025-02-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2025-01-31T00:00:00.000Z"}],"10206-CD-0-12":[{"state":"NATIONAL","yield":"4","date":"2025-01-31T00:00:00.000Z"}],"10206-CD-2500-18":[{"state":"NATIONAL","yield":"3.8","date":"2025-01-15T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-09-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-08-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-03-15T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-02-23T00:00:00.000Z"}],"10206-CD-2500-12":[{"state":"NATIONAL","yield":"4","date":"2024-12-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-09-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-09-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-08-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-03-15T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-03-14T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-02-23T00:00:00.000Z"}],"10435-CD-25000-12":[{"state":"NATIONAL","yield":"4.21","date":"2025-02-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.21","date":"2024-12-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.31","date":"2024-11-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.43","date":"2024-10-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.56","date":"2024-09-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.81","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.06","date":"2024-08-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.21","date":"2024-07-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-04-09T00:00:00.000Z"}],"10435-CD-25000-13":[{"state":"NATIONAL","yield":"4.36","date":"2025-02-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.11","date":"2025-01-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.11","date":"2024-12-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.21","date":"2024-12-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.21","date":"2024-11-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.31","date":"2024-10-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.41","date":"2024-09-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.76","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.01","date":"2024-08-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.21","date":"2024-07-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-04-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-04-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-02-22T00:00:00.000Z"}],"10435-CD-1000-13":[{"state":"NATIONAL","yield":"4.36","date":"2025-02-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.11","date":"2025-01-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.11","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.11","date":"2024-12-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.21","date":"2024-12-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.21","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.21","date":"2024-11-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.31","date":"2024-10-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.41","date":"2024-09-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.76","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.01","date":"2024-08-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.21","date":"2024-07-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-04-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-04-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-02-22T00:00:00.000Z"}],"10435-CD-25000-6":[{"state":"NATIONAL","yield":"4.31","date":"2025-02-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.51","date":"2025-01-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.51","date":"2024-11-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.63","date":"2024-10-30T00:00:00.000Z"}],"10435-CD-1000-6":[{"state":"NATIONAL","yield":"4.31","date":"2025-02-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.51","date":"2025-01-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.51","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.51","date":"2024-12-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.51","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.51","date":"2024-11-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.63","date":"2024-10-30T00:00:00.000Z"}],"10435-CD-1000-9":[{"state":"NATIONAL","yield":"4.31","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.31","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.31","date":"2024-11-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.51","date":"2024-10-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.61","date":"2024-09-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.86","date":"2024-09-17T00:00:00.000Z"}],"10435-CD-1000-12":[{"state":"NATIONAL","yield":"4.21","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.21","date":"2024-12-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.31","date":"2024-12-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.31","date":"2024-11-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.43","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.43","date":"2024-10-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.56","date":"2024-09-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.81","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.06","date":"2024-08-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.21","date":"2024-07-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.36","date":"2024-04-25T00:00:00.000Z"}],"10435-CD-1000-18":[{"state":"NATIONAL","yield":"3.76","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.76","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.76","date":"2024-09-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.26","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.47","date":"2024-03-26T00:00:00.000Z"}],"10435-CD-1000-24":[{"state":"NATIONAL","yield":"3.7","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-09-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.45","date":"2024-03-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-03-15T00:00:00.000Z"}],"10435-CD-1000-30":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-11-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-09-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-03-15T00:00:00.000Z"}],"10435-CD-25000-18":[{"state":"NATIONAL","yield":"3.76","date":"2024-11-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.76","date":"2024-09-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.26","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.47","date":"2024-03-26T00:00:00.000Z"}],"10435-CD-25000-24":[{"state":"NATIONAL","yield":"3.7","date":"2024-11-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2024-09-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.45","date":"2024-03-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-03-15T00:00:00.000Z"}],"10435-CD-25000-30":[{"state":"NATIONAL","yield":"3.5","date":"2024-11-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-09-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-03-15T00:00:00.000Z"}],"10435-CD-25000-9":[{"state":"NATIONAL","yield":"4.31","date":"2024-11-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.51","date":"2024-10-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.61","date":"2024-09-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.86","date":"2024-09-17T00:00:00.000Z"}],"10435-CD-0-12":[{"state":"NATIONAL","yield":"5.36","date":"2024-04-09T00:00:00.000Z"}],"10454-CD-5000-12":[{"state":"NATIONAL","yield":"4.35","date":"2025-02-14T00:00:00.000Z"}],"10462-CD-500-6":[{"state":"NATIONAL","yield":"4.3","date":"2024-12-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-10-08T00:00:00.000Z"}],"10462-CD-500-12":[{"state":"NATIONAL","yield":"4","date":"2024-12-13T00:00:00.000Z"}],"10462-CD-500-18":[{"state":"NATIONAL","yield":"3.95","date":"2024-12-13T00:00:00.000Z"}],"10462-CD-500-24":[{"state":"NATIONAL","yield":"3.75","date":"2024-12-13T00:00:00.000Z"}],"10621-CD-1000-13":[{"state":"NATIONAL","yield":"3.85","date":"2024-11-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-03-20T00:00:00.000Z"}],"10677-CD-0-6":[{"state":"NATIONAL","yield":"4.75","date":"2024-04-30T00:00:00.000Z"}],"10677-CD-0-9":[{"state":"NATIONAL","yield":"3.75","date":"2024-04-30T00:00:00.000Z"}],"10677-CD-0-18":[{"state":"NATIONAL","yield":"2","date":"2024-04-30T00:00:00.000Z"}],"10677-CD-0-24":[{"state":"NATIONAL","yield":"2","date":"2024-04-30T00:00:00.000Z"}],"10677-CD-0-36":[{"state":"NATIONAL","yield":"2","date":"2024-04-30T00:00:00.000Z"}],"10677-CD-0-48":[{"state":"NATIONAL","yield":"2","date":"2024-04-30T00:00:00.000Z"}],"10677-CD-0-60":[{"state":"NATIONAL","yield":"2","date":"2024-04-30T00:00:00.000Z"}],"10677-CD-0-12":[{"state":"NATIONAL","yield":"2","date":"2024-04-30T00:00:00.000Z"}],"10677-CD-0-3":[{"state":"NATIONAL","yield":"0.05","date":"2024-04-30T00:00:00.000Z"}],"11757-CD-100000-18":[{"state":"NATIONAL","yield":"4.1","date":"2025-01-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-10-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.55","date":"2024-09-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-06-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-05-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-03-01T00:00:00.000Z"}],"11757-CD-100000-60":[{"state":"NATIONAL","yield":"4","date":"2025-01-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-06-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-05-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-03-01T00:00:00.000Z"}],"11757-CD-100000-24":[{"state":"NATIONAL","yield":"4","date":"2025-01-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.35","date":"2024-08-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-08-01T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-06-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-05-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-05-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-03-01T00:00:00.000Z"}],"11757-CD-100000-36":[{"state":"NATIONAL","yield":"3.95","date":"2025-01-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.95","date":"2024-11-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-06-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-05-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-03-01T00:00:00.000Z"}],"11757-CD-100000-48":[{"state":"NATIONAL","yield":"3.9","date":"2025-01-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.05","date":"2024-06-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.05","date":"2024-05-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.05","date":"2024-03-01T00:00:00.000Z"}],"11757-CD-100000-12":[{"state":"NATIONAL","yield":"4.4","date":"2025-01-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-11-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-10-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-09-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.85","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.95","date":"2024-09-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-08-29T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-08-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-08-01T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.4","date":"2024-07-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.35","date":"2024-06-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-06-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-05-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-05-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-04-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.35","date":"2024-03-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-03-14T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.2","date":"2024-03-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-02-27T00:00:00.000Z"}],"11757-CD-100000-6":[{"state":"NATIONAL","yield":"4.3","date":"2025-01-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2025-01-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-12-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.65","date":"2024-12-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-11-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.85","date":"2024-09-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.95","date":"2024-09-23T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.95","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-08-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-06-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-05-13T00:00:00.000Z"}],"11757-CD-100000-15":[{"state":"NATIONAL","yield":"5.35","date":"2024-07-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.35","date":"2024-05-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.35","date":"2024-04-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.35","date":"2024-04-11T00:00:00.000Z"}],"11757-CD-100000-9":[{"state":"NATIONAL","yield":"5.2","date":"2024-05-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.2","date":"2024-05-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.2","date":"2024-03-29T00:00:00.000Z"}],"11757-CD-100000-11":[{"state":"NATIONAL","yield":"5.75","date":"2024-05-13T00:00:00.000Z"}],"11797-CD-1000-9":[{"state":"NATIONAL","yield":"4.25","date":"2025-01-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-11-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-09-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-08-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-08-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-07-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-07-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-07-09T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-07-09T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-05-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-02-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.3","date":"2024-02-26T00:00:00.000Z"}],"11797-CD-1000-12":[{"state":"NATIONAL","yield":"4","date":"2025-01-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-09-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-08-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-08-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-07-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-07-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-07-09T00:00:00.000Z"},{"state":"NATIONAL","yield":"5","date":"2024-07-09T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-06-13T00:00:00.000Z"}],"11844-CD-2500-60":[{"state":"NATIONAL","yield":"3.4","date":"2025-02-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.4","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.4","date":"2024-11-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.4","date":"2024-09-19T00:00:00.000Z"}],"11844-CD-2500-6":[{"state":"NATIONAL","yield":"4","date":"2025-02-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-09-19T00:00:00.000Z"}],"11844-CD-2500-36":[{"state":"NATIONAL","yield":"3.5","date":"2025-02-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2024-10-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-19T00:00:00.000Z"}],"11844-CD-2500-10":[{"state":"NATIONAL","yield":"4.35","date":"2025-01-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.25","date":"2024-12-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-10-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-08-28T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.2","date":"2024-07-09T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.2","date":"2024-06-25T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.2","date":"2024-06-24T00:00:00.000Z"}],"11844-CD-2500-12":[{"state":"NATIONAL","yield":"3.75","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-12-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-08-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-07-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-07-11T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-06-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-03-01T00:00:00.000Z"}],"11844-CD-2500-18":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-10-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-09-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.9","date":"2024-08-28T00:00:00.000Z"}],"11844-CD-2500-24":[{"state":"NATIONAL","yield":"3.5","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-12-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.75","date":"2024-10-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-10-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.15","date":"2024-09-19T00:00:00.000Z"}],"11868-CD-25000-12":[{"state":"NATIONAL","yield":"4.4","date":"2025-01-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.32","date":"2025-01-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.32","date":"2025-01-21T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.27","date":"2024-12-20T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.52","date":"2024-12-10T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.42","date":"2024-11-22T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.27","date":"2024-11-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.42","date":"2024-10-09T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.32","date":"2024-09-19T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.84","date":"2024-09-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.09","date":"2024-08-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.35","date":"2024-07-24T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.4","date":"2024-06-07T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.4","date":"2024-02-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.5","date":"2024-02-23T00:00:00.000Z"}],"11868-CD-250000-12":[{"state":"NATIONAL","yield":"5.4","date":"2024-02-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.5","date":"2024-02-23T00:00:00.000Z"}],"11961-CD-0-6":[{"state":"NATIONAL","yield":"4.1","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-10-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-10-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-09-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-08-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-07-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.1","date":"2024-07-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-03-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-03-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.5","date":"2024-03-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-03-06T00:00:00.000Z"}],"11961-CD-0-12":[{"state":"NATIONAL","yield":"4.1","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.2","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-11-27T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-11-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-10-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-10-02T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-09-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-03-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.05","date":"2024-03-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-03-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-03-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-03-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.15","date":"2024-03-04T00:00:00.000Z"}],"11961-CD-0-60":[{"state":"NATIONAL","yield":"3.8","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.6","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-12-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-11-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-09-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-08-30T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.45","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.1","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-07-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.45","date":"2024-07-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-07-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-07-03T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.8","date":"2024-05-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-03-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-03-13T00:00:00.000Z"}],"11961-CD-0-36":[{"state":"NATIONAL","yield":"3.7","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-07-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.3","date":"2024-07-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-05-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-03-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-03-13T00:00:00.000Z"}],"11961-CD-0-48":[{"state":"NATIONAL","yield":"3.7","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-07-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.4","date":"2024-07-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.7","date":"2024-05-31T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.6","date":"2024-03-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.5","date":"2024-03-13T00:00:00.000Z"}],"11961-CD-0-24":[{"state":"NATIONAL","yield":"3.7","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.5","date":"2025-02-06T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.7","date":"2025-01-16T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.8","date":"2024-12-04T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-11-12T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-09-18T00:00:00.000Z"},{"state":"NATIONAL","yield":"3.9","date":"2024-09-17T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.55","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4","date":"2024-08-05T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.65","date":"2024-07-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.55","date":"2024-07-26T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.75","date":"2024-03-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"4.65","date":"2024-03-13T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.25","date":"2024-03-05T00:00:00.000Z"}],"11961-CD-1-12":[{"state":"NATIONAL","yield":"5.25","date":"2024-03-04T00:00:00.000Z"}],"11977-CD-1-3":[{"state":"NATIONAL","yield":"5.02","date":"2024-07-08T00:00:00.000Z"},{"state":"NATIONAL","yield":"5.34","date":"2024-07-01T00:00:00.000Z"}]},"monarchRuleSetId":null},"__N_SSP":true},"page":"/v2","query":{"accountTypes":"CD","accountTypesOrder":"CD,CHECKING,SAVINGS_MMA","depositAmount":"50000","maxTerm":"60","minTerm":"1","suppressedAdvertiserIds":"10324,3113,9904,8351","suppressUserFilters":"false","suppressEditorialRates":"false","zipCode":"189554","isProdForced":"false","showTopEditorialRate":"true"},"buildId":"build-id","assetPrefix":"https://assets.brstatic.com/static/wealth/rate-tables/4a0e17949312a2f97fd6ab6009b236adeb2306e3","isFallback":false,"isExperimentalCompile":false,"gssp":true,"scriptLoader":[]}</script><script> const nationalAverage = null; const bankrateAverage = "4.1324518518518519"; window.nationalAverage = nationalAverage; window.bankrateAverage = bankrateAverage; </script> <section id="content-with-navigation" class="section-wrapper trsy-bg-[--bg-color] bg-transparent py-0 trsy-py-[--py] frame frame gutter gutter" style="--py: 0rem; --bg-color: var(--color-transparent);"> <div class="wrapper wrapper"> <div class="TwoColumnLayout TwoColumnLayout--reversed SectionWithToc-defaultGap"> <div class="TwoColumnLayout-aside SectionWithToc-toc" > <div class="TableOfContents TOC-track" x-data> <nav aria-label="Content on this page" class="TableOfContents-sidebar display-none md:display-block TOC-container"> <p class="TableOfContents-heading type-heading-six uppercase display-block"> On This Page</p> <ul class="TableOfContents-list List"> <li class=""> <a class="TableOfContents-link" href="#picks" data-toc-jumpto="#picks" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Bankrate's picks for top 5-year CD rates" data-position="1" data-text="Bankrate's picks for top 5-year CD rates" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">Bankrate's picks for top 5-year CD rates</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#how-to-find-best-rates" data-toc-jumpto="#how-to-find-best-rates" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="How to find the best 5-year CD rates" data-position="2" data-text="How to find the best 5-year CD rates" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">How to find the best 5-year CD rates</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#when-should-you" data-toc-jumpto="#when-should-you" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="When should you get a 5-year CD?" data-position="3" data-text="When should you get a 5-year CD?" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">When should you get a 5-year CD?</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#consider" data-toc-jumpto="#consider" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="What to consider when choosing a CD" data-position="4" data-text="What to consider when choosing a CD" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">What to consider when choosing a CD</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#pros-and-cons" data-toc-jumpto="#pros-and-cons" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Pros and cons of 5-year CDs" data-position="5" data-text="Pros and cons of 5-year CDs" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">Pros and cons of 5-year CDs</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#faqs" data-toc-jumpto="#faqs" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="5-year CD FAQs" data-position="6" data-text="5-year CD FAQs" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">5-year CD FAQs</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#research-methodology" data-toc-jumpto="#research-methodology" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Research methodology" data-position="7" data-text="Research methodology" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">Research methodology</span> </a> </li> </ul> </nav> <div class="TableOfContents-topbar md:display-none"> <span class="type-heading-six uppercase display-block m-0 mr-8"> On This Page</span> <button id="TocButton" class="Button Button--neutral Button--small" type="button" data-target="#TocModal"> <span>Jump to</span> <span class="Icon Icon--xs ml-1"><svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Menu List Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M3 5.972a1.099 1.099 0 1 0 2.197 0 1.099 1.099 0 0 0-2.197 0Zm17.163.837H8.107a.84.84 0 0 1-.837-.837.84.84 0 0 1 .837-.837h12.056a.84.84 0 0 1 .837.837.84.84 0 0 1-.837.837ZM8.107 12.837h12.056A.84.84 0 0 0 21 12a.84.84 0 0 0-.837-.837H8.107A.84.84 0 0 0 7.27 12c0 .46.376.837.837.837Zm0 6.028h12.056a.84.84 0 0 0 .837-.837.84.84 0 0 0-.837-.837H8.107a.84.84 0 0 0-.837.837c0 .46.376.837.837.837Zm-4.008-5.64a1.099 1.099 0 1 1 0-2.198 1.099 1.099 0 0 1 0 2.198ZM3 18.027a1.099 1.099 0 1 0 2.197 0 1.099 1.099 0 0 0-2.197 0Z" class="icon-base"/></svg></span> </button> </div> <div x-data x-init="$nextTick(() => { window.initModal('TocModal', 0); })" class="display-none"> <template x-teleport="#modalStack"> <div id="TocModal" class="Modal is-closed Modal--tableOfContents md:display-none" role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="TocModal" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1"> <div class="TableOfContents-modal"> <div class="px-6 pt-6"> <p class="TableOfContents-heading type-heading-six uppercase display-block"> On This Page</p> <div class="mb-6" style="overflow-y: auto; max-height: 60vh;"> <ul class="TableOfContents-list List"> <li class=""> <a class="TableOfContents-link" href="#picks" data-toc-jumpto="#picks" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Bankrate's picks for top 5-year CD rates" data-position="1" data-text="Bankrate's picks for top 5-year CD rates" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">Bankrate's picks for top 5-year CD rates</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#how-to-find-best-rates" data-toc-jumpto="#how-to-find-best-rates" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="How to find the best 5-year CD rates" data-position="2" data-text="How to find the best 5-year CD rates" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">How to find the best 5-year CD rates</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#when-should-you" data-toc-jumpto="#when-should-you" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="When should you get a 5-year CD?" data-position="3" data-text="When should you get a 5-year CD?" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">When should you get a 5-year CD?</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#consider" data-toc-jumpto="#consider" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="What to consider when choosing a CD" data-position="4" data-text="What to consider when choosing a CD" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">What to consider when choosing a CD</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#pros-and-cons" data-toc-jumpto="#pros-and-cons" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Pros and cons of 5-year CDs" data-position="5" data-text="Pros and cons of 5-year CDs" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">Pros and cons of 5-year CDs</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#faqs" data-toc-jumpto="#faqs" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="5-year CD FAQs" data-position="6" data-text="5-year CD FAQs" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">5-year CD FAQs</span> </a> </li> <li class=""> <a class="TableOfContents-link" href="#research-methodology" data-toc-jumpto="#research-methodology" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Research methodology" data-position="7" data-text="Research methodology" data-outcome="INTERNALLINK" @click="document.querySelector('#TocModal .Modal-close').click();" > <span class="TableOfContents-linkText">Research methodology</span> </a> </li> </ul> </div> </div> <div class="border-t px-6 py-2"> <div class="display-flex justify-content-space-between"> <button class="Button Button--primary Button--extraSmall Button--flat" data-toc-prev data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-PREV" data-name="TOC-PREV" data-position="PREV-mobile" data-text="TOC-PREV" data-outcome="INTERNALLINK" > <span>Prev</span> </button> <button class="Button Button--primary Button--extraSmall Button--flat" data-toc-next data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-NEXT" data-name="TOC-NEXT" data-position="NEXT-mobile" data-text="TOC-NEXT" data-outcome="INTERNALLINK" > <span>Next</span> </button> </div> </div> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="TocModal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div></div> <div class="TwoColumnLayout-main SectionWithToc-body SectionWithToc-defaultGap " data-e2e-monitor=SectionWithToc-body> <div id="picks" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <h2>Bankrate's picks for top 5-year CD rates</h2> <p><em>Note: Annual percentage yields (APYs) shown were updated between Feb. 14 and Feb. 20. Bankrate's editorial team validates this information regularly, typically biweekly. APYs may have changed since they were last updated and may vary by region for some products. Bankrate includes only FDIC banks or NCUA credit unions in its listings.</em></p></div> <div class="wealth-dynamic-rate-block"> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://media.brstatic.com/2020/05/13172133/Schools-First-logo-resized.jpg?auto=webp&fit=&width=200&format=pjpg" alt="SchoolsFirst Federal Credit Union_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/schoolsfirst-federal-credit-union/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">SchoolsFirst Federal Credit Union</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.5</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="te28ad4e1-978f-41ee-88b9-3c9fd361bc95" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="te28ad4e1-978f-41ee-88b9-3c9fd361bc95" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>4.25%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$500</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why SchoolsFirst Federal Credit Union?</h4> <p class="trsy-mb-0">SchoolsFirst Federal Credit Union was formed during the Great Depression in 1934. SchoolsFirst Federal Credit Union (SchoolsFirst FCU) has CD terms from as short as 30 days to as long as five years. If you put in more money you may be rewarded with a higher APY, as SchoolsFirst has five rate tiers: $500, $20,000, $50,000, $100,000 and $250,000.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://a.storyblok.com/f/102997/396x127/184cb1c225/americafirstlogo.png?auto=webp&fit=&width=200&format=pjpg" alt="America First Credit Union_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/america-first-credit-union/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">America First Credit Union</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">5.0</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="td5af43e8-3e07-4d03-9acb-8b1d1802e23d" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="td5af43e8-3e07-4d03-9acb-8b1d1802e23d" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>4.25%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$500</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why America First Credit Union?</h4> <p class="trsy-mb-0">America First Credit Union was founded in 1939 in Salt Lake City. It has CDs with terms ranging from three months to five years. The minimum opening deposit for CDs is $500. It also offers a variety of checking and savings accounts.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/8289_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Synchrony Bank_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/synchrony-bank/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Synchrony Bank</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.9 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 78%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.9</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="td4d1f130-53db-4931-8c19-79dcd211f700" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.9/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="td4d1f130-53db-4931-8c19-79dcd211f700" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>4.15%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$0</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Synchrony Bank?</h4> <p class="trsy-mb-0">Synchrony Bank offers competitive yields across nine CD terms. Its CDs generally earn a competitive yield. Synchrony Bank offers many terms of CDs with terms ranging from three months to five years. Synchrony Bank also offers an 11-month no-penalty CD and a two-year bump-up CD. The bank also offers a money market account and a savings account. Both offer a competitive APY and have no minimum balance requirement.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/7819_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Popular Direct_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/popular-direct/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Popular Direct</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.0</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="te52ac98d-b7e9-4207-9f72-9cea7c206aba" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="te52ac98d-b7e9-4207-9f72-9cea7c206aba" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>4.15%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$10,000</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Popular Direct?</h4> <p class="trsy-mb-0">Popular Direct is an online bank and a subsidiary of Popular Inc., a more than 130-year-old financial services company. Popular Direct was previously known as Banco Popular North America. Popular Direct offers CDs in eight terms ranging from three months to five years. With a $10,000 minimum deposit to open, these CDs are geared toward serious savers. Interest compounds daily. Popular Direct doesn’t offer specialty CDs, such as bump-up or no-penalty CDs. It does offer a savings account with a competitive rate.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/10629_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Bread Savings_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/bread-savings/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Bread Savings</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 3.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">3.5</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="t70765cd1-8d2c-4e7c-8768-b767934176d5" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 3.5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t70765cd1-8d2c-4e7c-8768-b767934176d5" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>4.00%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$1,500</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Bread Savings?</h4> <p class="trsy-mb-0">Bread Financial is an online-only bank that offers high-yield savings products and five CD terms. Bread Savings is a product of Comenity Capital Bank, which has existed for more than 20 years. Comenity is a bank behind many branded credit cards.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://media.brstatic.com/2020/03/24165716/TAB-bank-review-logo.png?auto=webp&fit=&width=200&format=pjpg" alt="TAB Bank_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/transportation-alliance-bank/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">TAB Bank</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.1 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 22%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.1</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="te0ca7d30-563a-44ad-9c72-d96551a083c0" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.1/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="te0ca7d30-563a-44ad-9c72-d96551a083c0" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.81%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$1,000</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why TAB Bank?</h4> <p class="trsy-mb-0">TAB Bank was established in 1998 in Ogden, Utah, as a banking service inside truck stops. TAB (Transportation Alliance Bank) serves businesses and individual customers. It offers several checking accounts, a savings account, a money market account and CDs in six terms, from 12 months to five years.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.bankrate.com/2020/12/11114517/Golden-1-Credit-Union-Review.jpg?auto=webp&fit=&width=200&format=pjpg" alt="Golden 1 Credit Union_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/golden-1-credit-union/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Golden 1 Credit Union</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.5</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="t64727c57-8bd2-4b79-9959-9ec31b4a5c80" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.5/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t64727c57-8bd2-4b79-9959-9ec31b4a5c80" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.80%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$500</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Golden 1 Credit Union?</h4> <p class="trsy-mb-0">As one of the largest credit unions in the US, Golden 1 Credit Union offers share certificates with terms in monthly increments ranging from three months to five years, making it easy for consumers to find a term for their financial goals. What's more, all terms have a reasonable minimum opening deposit of $500.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/6642_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Sallie Mae Bank_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/sallie-mae-bank/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Sallie Mae Bank</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 3.9 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 78%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">3.9</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="t08f97a44-ae23-4163-bbb9-12a52ea62175" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 3.9/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t08f97a44-ae23-4163-bbb9-12a52ea62175" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.80%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$2,500</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Sallie Mae Bank?</h4> <p class="trsy-mb-0">Sallie Mae Bank offers 11 terms of CDs, savings accounts, a money market account and private student loans. Sallie Mae Bank CD terms range from six months to five years. Sallie Mae Bank offers a competitive yield on all of its deposit products.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/9904_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="Marcus by Goldman Sachs_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/marcus/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">Marcus by Goldman Sachs</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.9 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 78%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.9</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="t843cdeb0-aed7-491e-a2ee-d0321cc3e2c2" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.9/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t843cdeb0-aed7-491e-a2ee-d0321cc3e2c2" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.75%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$500</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why Marcus by Goldman Sachs?</h4> <p class="trsy-mb-0">Marcus by Goldman Sachs is an online bank known for offering CDs and a savings account. It also used to be known for its personal loans, but it no longer offers those. Not many banks can match the number of CDs that Marcus offers. It has nine terms of regular CDs — ranging from six months to six years — three no-penalty CDs and a rate bump CD. All of these CDs have a $500 minimum deposit requirement.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> <article class="py-6 px-4 trsy-rounded-lg trsy-bg-white mb-6 trsy-border-gray-200 trsy-border-[1px]"> <div class="trsy-mb-6 md:trsy-mb-0 trsy-flex trsy-flex-row trsy-justify-between trsy-items-center"> <div class="mb-0 trsy-max-w-[126px] trsy-w-full"> <img src="https://www.brimg.net/system/img/inst/1966_hires_logo_2x.png?auto=webp&fit=&width=200&format=pjpg" alt="First Internet Bank of Indiana_logo"> </div> <div> <a class="Button Button--secondary" href="https://www.bankrate.com/banking/reviews/first-internet-bank-of-indiana/" target="_blank">Read review</a> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <h3 class="trsy-heading-4 trsy-font-bold trsy-mb-2 md:trsy-mb-0 trsy-mr-2">First Internet Bank of Indiana</h3> <div class="trsy-flex trsy-flex-row trsy-items-center"> <div class="star-rating star-rating--number-size-sm trsy-mr-2 trsy-py-2" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.1 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 22%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> </div> </div> <span class="trsy-heading-4 text-base">4.1</span> <span class="trsy-ml-2 trsy-text-sm md:trsy-text-base trsy-py-2">Bankrate CD score</span> <div id="t95410b72-9fd0-483c-8647-743517a5d2bf" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class='type-heading-four text-base mb-4'>Bankrate Savings rating = 4.1/5</p> <p>Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.</p> </div> </div> <div class="display-inline-block cursor-pointer ml-1 "> <div x-data data-tippy-maxWidth="none" data-template="t95410b72-9fd0-483c-8647-743517a5d2bf" role="tooltip" tabIndex="0" class="mt-1"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue trsy-text-[--text-color]" style="--text-color: var(--color-blue);"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> <div class="trsy-flex trsy-flex-col trsy-items-start md:trsy-flex-row md:trsy-items-center"> <ul class="trsy-ml-0 trsy-mt-2 trsy-mb-2 trsy-w-full md:trsy-flex md:trsy-flex-row"> <li class="trsy-border-b-2 md:trsy-border-b-0 md:trsy-border-r-2 trsy-border-gray-200 trsy-w-full trsy-pb-4 md:trsy-pb-0 md:trsy-mt-0"> <h4 class="trsy-text-base mb-2">Annual percentage yield</h4> <div>3.65%</div> </li> <li class="trsy-w-full trsy-pb-4 trsy-mt-4 md:trsy-pb-0 md:trsy-mt-0 md:trsy-ml-4 "> <h4 class="trsy-text-base mb-2"> Min. deposit to open</h4> <div>$1,000</div> </li> </ul> </div> <div class="trsy-py-6 trsy-px-4 trsy-bg-gray-50 trsy-rounded-lg md:trsy-my-6 trsy-mb-6 md:trsy-mb-4"> <h4 class="trsy-text-base trsy-mb-4">Why First Internet Bank of Indiana?</h4> <p class="trsy-mb-0">First Internet Bank of Indiana is an FDIC-insured financial institution that operates online and has no branches. It opened in 1999 and offers products in all 50 states. First Internet Bank offers eight terms of CDs, a money market savings account with a competitive yield, a savings account and two checking accounts.</p> </div> <ul class="Accordion w-full trsy-mb-0"> </ul></article> </div> <div data-campaign="br-cds-static" data-ad-id="0db50183-dbc4-4ed4-aafc-a5bf1bb56449"class="myFinance-widget"></div> <div class="bankrate-insight"> <div class="border-l-4 border-blue bg-white p-8 h-full display-flex flex-direction-column sm:flex-direction-row box-shadow-1 rounded-md"> <div class="Icon flex-shrink-0 Icon--md mb-6 mx-auto sm:mr-8"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Lightbulb Icon</title><path d="M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z" class="icon-base"/></svg></div> <div class="flex-grow"> <h3 class="mt-0 mb-4 max-w text-center sm:text-left"> Recent news about CD rates </h3> <div class="type-body-one text-slate text-center sm:text-left mb-0-last-child"> <div class="wysiwyg display-block w-full has-links"> <p>The Federal Reserve <a class="Link" href="https://www.bankrate.com/banking/federal-reserve/fomc-meeting-recap-december-2024/">lowered its benchmark federal funds rate</a> by a quarter of a percentage point, or 25 basis points, during its December 17-18 meeting. This placed the target range for the federal funds rate at 4.25 – 4.50 percent. Previously, the Fed lowered rates by 25 basis points during its Nov. 6-7 meeting, setting the benchmark range to 4.50 - 4.75 percent.</p> <p>Although the Fed’s future rate decisions are uncertain, it’s still an opportune time to think about a long-term investment strategy. Some <a class="Link" href="https://www.bankrate.com/banking/cds/short-term-cd-vs-long-term-cd/">shorter-term CDs</a> are currently offering higher rates, but a five-year CD can guarantee a high rate for a longer amount of time, and it may be worth considering as part of a <a class="Link" href="https://www.bankrate.com/banking/cds/cd-ladder-guide/">CD ladder</a>.</p></div> </div> </div> </div> </div> </div> <div id="how-to-find-best-rates" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> How to find the best 5-year CD rates </h2> </div> <div class="wysiwyg display-block w-full has-links"> <p>Savers looking for the best CD rates probably want to venture online. Even if a bank is relatively small or not well known, as long as it’s a member of the <a class="Link" href="https://www.bankrate.com/banking/fdic-insurance/">Federal Deposit Insurance Corporation (FDIC)</a>, you can rest easy knowing each depositor (that’s you) is protected up to at least $250,000 per insured bank, per ownership category if there’s a bank failure. You can find out if your bank is FDIC-insured by using the <a class="Link" href="https://banks.data.fdic.gov/bankfind-suite/bankfind" target="_blank" rel="noopener">BankFind Suite</a> tool.</p> <p>Credit unions are insured by the <a class="Link" href="https://www.bankrate.com/banking/credit-unions/ncua-how-your-savings-at-credit-unions-are-insured-by-the-government/">National Credit Union Administration (NCUA)</a>. The NCUA also provides a standard nsurance amount of up to $250,000 per share owner (that’s you!), per insured credit union and for each ownership category (account type, such as single versus joint accounts).</p> <p>One thing to look for, though: ease of use. Banks that make it difficult or time-consuming to deposit and withdraw funds may waste so much of your time that the benefit of a few extra basis points of interest on your savings is lost. (A <a class="Link" href="https://www.bankrate.com/banking/what-are-basis-points-and-how-are-they-used/">basis point</a> is 0.01 percent, so 1 percent has 100 basis points.)</p></div> </div> <div id="when-should-you" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> When should you get a 5-year CD? </h2> </div> <div class="wysiwyg display-block w-full has-links"> <p>For those with a longer financial horizon and no need to access funds at a moment’s notice, a <a class="Link" href="https://www.bankrate.com/banking/cds/is-now-the-time-for-longer-term-cds/">five-year CD can be a great choice</a>. Because they earn a guaranteed rate for the whole term, five-year CDs are suitable for those who want to grow some of their savings over a half-decade, without the volatility associated with <a class="Link" href="https://www.bankrate.com/investing/best-performing-stocks/">stocks</a> or <a class="Link" href="https://www.bankrate.com/investing/best-mutual-funds/">mutual funds</a>. </p> <p>Before putting your money into a five-year CD, it’s important to understand its features and ensure it aligns with your savings goals, says Marc Colucy, senior director of banking operations at Bread Financial. “For instance, if you’re unsure if you will need the funds in the CD before it matures in five years, then a shorter-term CD might be a good option.”</p> <p>CDs typically come with penalties for early withdrawal, so they’re best for those who are confident they won’t need to access their funds in the interim. If there’s a chance you’ll need the money for unexpected expenses or opportunities, it might be wise to explore more liquid, <a class="Link" href="https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/">high-yielding savings accounts</a>. </p> <p>Alternatively, you could invest some money in a five-year CD and some in shorter-term CDs to <a class="Link" href="https://www.bankrate.com/banking/cds/cd-ladder-guide/">build a CD ladder</a>, ensuring that a portion of your savings will be accessible in the shorter term. A CD ladder staggers maturities and APYs, giving you the opportunity to earn a higher yield and still have access to some cash at set intervals.</p> <p>“With a CD ladder, rather than putting all your savings into one CD for a longer period, you’d instead put your money into multiple, smaller CD investments at varying term lengths,” Colucy says. “As each CD matures, you can withdraw the money and the interest you made without penalty. If you don’t need the cash right away, you could also decide to renew the CD for another term and keep earning interest, especially if rates are higher.”</p></div> <div class="BlockQuote pb-8 BlockQuote--bordered display-flex flex-direction-column align-items-center text-center md:text-left md:flex-direction-row gap-3 md:gap-8" > <div class="ImageContainer"> <div class="AuthorAvatar AvatarQuote flex-shrink-0" style="background-image: url(https://www.bankrate.com/f/102997/440x549/f706a89a08/sean-mason.jpg?width=240&height=240&fit=cover&enable=upscale&crop=1:1,smart)" ></div> </div> <blockquote class="BlockQuote-text text-center md:text-left" > <q>“For longer time horizons, it can be a complicated decision process, with early withdrawal penalties being more of a factor. Typically, the longer the CD term, the higher the early withdrawal penalty. The penalty for a six- to 12-month term, for example, can be as low as two to three months of interest compared to a five-year term equaling six- to 12-months of interest.”</q> <cite class="PullQuote-cite text-black "> <div class="display-flex align-items-center"> <svg class="w-6 h-6 mr-2" width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Bankrate logo</title> <rect width="32" height="32" rx="4" fill="#0157FF" /> <path fill="#ffffff" fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" /> </svg> Sean Mason, Investment Advisor Representative, Fresno Financial Advisors </div> </cite> </blockquote> </div> </div> <div id="consider" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> What to consider when choosing a CD </h2> </div> <div class="wysiwyg display-block w-full has-links"> <div> <p>Consider these things to help you choose the right CD:</p> <ul> <li><strong><a class="Link" href="https://www.bankrate.com/banking/cds/how-to-avoid-cd-early-withdrawal-penalty/">Early withdrawal penalties</a>:</strong> Know what penalties may be incurred should you withdraw your money before the CD matures.</li> <li><strong>Minimum required deposit:</strong> Many CDs require a minimum amount of money to open.</li> <li><strong><a class="Link" href="https://www.bankrate.com/banking/savings/what-is-apy/">APY</a>:</strong> Annual percentage yield is the yearly interest earned if you keep your money in the CD for the full term. <a class="Link" href="https://www.bankrate.com/banking/savings/apy-vs-interest-rate/">Compare APYs, instead of interest rates</a>, to make an apples-to-apples comparison of CDs.</li> <li><strong>Term:</strong> The length of time required to earn interest on your money. Generally, it’s a good idea to <a class="Link" href="https://www.bankrate.com/banking/cds/short-term-cd-vs-long-term-cd/">choose a CD with a shorter term</a> than when you expect to need your money. For example, if you need access to the funds in about two years, an <a class="Link" href="https://www.bankrate.com/banking/cds/best-18-month-cd-rates/">18-month CD</a> may be a good choice.</li> <li><strong>Insurance:</strong> Make sure the CD is offered by an FDIC-insured bank or at an NCUA credit union.</li> </ul> </div></div> </div> <div id="pros-and-cons" class="SectionWithTocItem " > <div data-cy="" class="Headline w-full"> <h2 class="type-heading-two trsy-heading-2"> Pros and cons of a 5-year CD </h2> </div> <div class="pros-and-cons "> <div class="display-flex gap-4 sm:gap-6 flex-direction-column sm:flex-direction-row"> <div class="sm:w-1/2"> <div data-cy="" class="Headline w-full"> <h3 class="type-body-one trsy-wysiwyg font-circular-bold border-b pb-3 mb-5"> Pros </h3> </div> <ul class="List"> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1"><b>Limited liquidity</b> — CDs don’t provide immediate access to your funds (unlike savings accounts), which could benefit those who may be tempted to otherwise spend their money. A CD can help keep your savings intact. Just be sure you won’t need the money before the CD matures for such things as emergencies or living expenses. It’s also important to understand the early withdrawal penalty that you’d incur if you needed to withdraw your funds sooner.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1"><b>Safety</b> — CDs from FDIC-insured banks and NCUSIF-backed credit unions are backed by the full faith and credit of the U.S. government up to $250,000 per depositor, per insured institution and per ownership category.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1"><b>High returns</b> — Banks sometimes provide a higher APY with a five-year CD than you could find in a <a class="Link" href="https://www.bankrate.com/banking/savings/rates/">traditional savings account</a> or in a CD with a shorter maturity.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1"><b>Wide selection</b> — You can choose from thousands of banks and credit unions to find a CD with the interest rate, maturity date (term) and minimum deposit amount that fits your needs.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1"><b>Fixed, predictable returns</b> — Once you put your money in a CD, you’re guaranteed a set return at a specified date, which can help you plan your financial goals.</p> </div> </li> </ul> </div> <div class="sm:w-1/2"> <div data-cy="" class="Headline w-full"> <h3 class="type-body-one trsy-wysiwyg font-circular-bold border-b pb-3 mb-5"> Cons </h3> </div> <ul class="List"> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 mr-4"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <p class="type-body-one text-slate mb-0 mt-1"><b>Limited liquidity</b> — The inability to instantly access funds is a drawback for those who may need their money before the CD’s term is up. You’ll typically pay a penalty for making early withdrawals. If you think it’s likely you’ll need this money in less than five years, consider a shorter-term CD or a savings account.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 mr-4"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <p class="type-body-one text-slate mb-0 mt-1"><b>Inflation risk</b> — The money in your CD may lose its purchasing power over time if inflation overtakes your interest gains.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 mr-4"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <p class="type-body-one text-slate mb-0 mt-1"><b>Low relative returns</b> — Other investment options may offer a higher rate of return. But these investments generally involve higher risk, including the chance of losing the principal. If you leave your money in the CD for the full term at an FDIC-insured bank and are within FDIC guidelines, your fixed-rate CD will earn that yield. The same is true for NCUSIF-backed credit unions.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 mr-4"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <p class="type-body-one text-slate mb-0 mt-1"><b>Reinvestment risk</b> — When you park your money in a five-year CD, it’s a long wait before you can tap those funds. If interest rates rise in the meantime, you could miss out on investing in a higher-rate CD.</p> </div> </li> </ul> </div> </div> </div> </div> <div id="inverted-yield-curve" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <p><a class="Link" href="https://www.bankrate.com/banking/cds/current-cd-interest-rates/">Average CD yields</a> are as follows, based on Bankrate data for Feb. 21, 2025:</p> <ul> <li><strong>1-year CD average:</strong> 1.86 percent APY</li> <li><strong>2-year CD average:</strong> 1.62 percent APY</li> <li><strong>5-year CD average:</strong> 1.54 percent APY</li> </ul> <p>When you’re in the market for a new CD, it’s important to <a class="Link" href="https://www.bankrate.com/banking/cds/key-factors-that-determine-cd-rates/#cd-terms">look at all CD terms</a> instead of assuming longer terms will earn more favorable APYs than shorter ones.</p></div> </div> <div id="faqs" class="SectionWithTocItem " > <div class="wysiwyg display-inline has-links"> <h2 id="1-year-faqs">5-year CD FAQs</h2></div> <ul class="Accordion w-full" data-cy="accordion-bf5eb2e0-87c3-4467-9ae8-817202c4240b"> <li x-id="['panel-span-classtext-what-is-a-5-year-cdspan', 'heading-span-classtext-what-is-a-5-year-cdspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-what-is-a-5-year-cdspan')" :aria-controls="$id('panel-span-classtext-what-is-a-5-year-cdspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what is a 5-year cd? " data-position="1" data-text=" What is a 5-year CD? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What is a 5-year CD?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-what-is-a-5-year-cdspan')" :labelledBy="$id('heading-span-classtext-what-is-a-5-year-cdspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Think of a CD as a higher-paying savings account that’s stashed in a safe with a time lock. But unlike a <a class="Link" href="https://www.bankrate.com/banking/savings/what-is-a-savings-account/">savings account</a> with a variable annual percentage yield (APY), the yield on a CD is fixed and won’t change during the term — in this case, five years. At the end of the term, you can <a class="Link" href="https://www.bankrate.com/banking/cds/what-to-do-when-cd-matures/">renew the CD or shop around for another one</a>, potentially with a higher yield, if the <a class="Link" href="https://www.bankrate.com/banking/cds/todays-cd-rates/">interest rate environment</a> has improved. After a CD’s maturity date, it likely will renew automatically after a grace period, typically within seven to 10 days.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-what-is-a-5-year-cdspan')" :labelledBy="$id('heading-span-classtext-what-is-a-5-year-cdspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Think of a CD as a higher-paying savings account that’s stashed in a safe with a time lock. But unlike a <a class="Link" href="https://www.bankrate.com/banking/savings/what-is-a-savings-account/">savings account</a> with a variable annual percentage yield (APY), the yield on a CD is fixed and won’t change during the term — in this case, five years. At the end of the term, you can <a class="Link" href="https://www.bankrate.com/banking/cds/what-to-do-when-cd-matures/">renew the CD or shop around for another one</a>, potentially with a higher yield, if the <a class="Link" href="https://www.bankrate.com/banking/cds/todays-cd-rates/">interest rate environment</a> has improved. After a CD’s maturity date, it likely will renew automatically after a grace period, typically within seven to 10 days.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-are-cds-safespan', 'heading-span-classtext-are-cds-safespan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-are-cds-safespan')" :aria-controls="$id('panel-span-classtext-are-cds-safespan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" are cds safe? " data-position="2" data-text=" Are CDs safe? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Are CDs safe?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-are-cds-safespan')" :labelledBy="$id('heading-span-classtext-are-cds-safespan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p><a class="Link" href="https://www.bankrate.com/banking/cds/are-cds-safe/">CDs are a safe place for your money</a> since they typically earn a fixed rate of return. Unlike savings accounts with variable APYs, there’s no risk of the CD’s rate dropping over time. Thanks to a CD’s guaranteed APY, you’ll be able to <a class="Link" href="https://www.bankrate.com/banking/cds/cd-calculator/">calculate upfront how much money you’ll have</a> in the account when it matures.</p> <p>What’s more, when a CD is with an institution protected by <a class="Link" href="https://www.bankrate.com/banking/fdic-insurance/">federal deposit insurance</a>, your funds are insured by the FDIC with a bank and the NCUA with a <a class="Link" href="https://www.bankrate.com/banking/best-credit-unions/">credit union</a>. With a federally insured bank, the standard deposit insurance coverage limit is $250,000 per depositor, per FDIC bank, per ownership category. The coverage limits for CDs at NCUA credit unions are the same.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-are-cds-safespan')" :labelledBy="$id('heading-span-classtext-are-cds-safespan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p><a class="Link" href="https://www.bankrate.com/banking/cds/are-cds-safe/">CDs are a safe place for your money</a> since they typically earn a fixed rate of return. Unlike savings accounts with variable APYs, there’s no risk of the CD’s rate dropping over time. Thanks to a CD’s guaranteed APY, you’ll be able to <a class="Link" href="https://www.bankrate.com/banking/cds/cd-calculator/">calculate upfront how much money you’ll have</a> in the account when it matures.</p> <p>What’s more, when a CD is with an institution protected by <a class="Link" href="https://www.bankrate.com/banking/fdic-insurance/">federal deposit insurance</a>, your funds are insured by the FDIC with a bank and the NCUA with a <a class="Link" href="https://www.bankrate.com/banking/best-credit-unions/">credit union</a>. With a federally insured bank, the standard deposit insurance coverage limit is $250,000 per depositor, per FDIC bank, per ownership category. The coverage limits for CDs at NCUA credit unions are the same.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-is-a-5-year-cd-worth-itspan', 'heading-span-classtext-is-a-5-year-cd-worth-itspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-is-a-5-year-cd-worth-itspan')" :aria-controls="$id('panel-span-classtext-is-a-5-year-cd-worth-itspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" is a 5-year cd worth it? " data-position="3" data-text=" Is a 5-year CD worth it? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Is a 5-year CD worth it?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-is-a-5-year-cd-worth-itspan')" :labelledBy="$id('heading-span-classtext-is-a-5-year-cd-worth-itspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>There are two main factors that determine <a class="Link" href="https://www.bankrate.com/banking/cds/things-to-know-before-opening-cd/">whether a five-year CD makes sense for you</a>: how soon you need your money and whether you’re earning a competitive APY.<br /><br />The length of time is important because you want to make sure that you don’t incur an early withdrawal penalty. You also want to be aware of <a class="Link" href="https://www.bankrate.com/banking/federal-reserve/economic-indicator-survey-inflation-october-2023/">inflation</a> and purchase a CD that is earning a yield that can keep up.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-is-a-5-year-cd-worth-itspan')" :labelledBy="$id('heading-span-classtext-is-a-5-year-cd-worth-itspan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>There are two main factors that determine <a class="Link" href="https://www.bankrate.com/banking/cds/things-to-know-before-opening-cd/">whether a five-year CD makes sense for you</a>: how soon you need your money and whether you’re earning a competitive APY.<br /><br />The length of time is important because you want to make sure that you don’t incur an early withdrawal penalty. You also want to be aware of <a class="Link" href="https://www.bankrate.com/banking/federal-reserve/economic-indicator-survey-inflation-october-2023/">inflation</a> and purchase a CD that is earning a yield that can keep up.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-can-a-5-year-cd-lose-valuespan', 'heading-span-classtext-can-a-5-year-cd-lose-valuespan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-can-a-5-year-cd-lose-valuespan')" :aria-controls="$id('panel-span-classtext-can-a-5-year-cd-lose-valuespan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" can a 5-year cd lose value? " data-position="4" data-text=" Can a 5-year CD lose value? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Can a 5-year CD lose value?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-can-a-5-year-cd-lose-valuespan')" :labelledBy="$id('heading-span-classtext-can-a-5-year-cd-lose-valuespan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>A five-year CD could lose value if you incur an early withdrawal penalty, which could eat into your principal amount. But if you keep the five-year CD for the full term, you will earn the stated interest — assuming the product you’re in is a fixed-rate CD.<br /><br />Each depositor is insured to at least $250,000 per FDIC-insured bank. The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account type at NCUA institutions.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-can-a-5-year-cd-lose-valuespan')" :labelledBy="$id('heading-span-classtext-can-a-5-year-cd-lose-valuespan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>A five-year CD could lose value if you incur an early withdrawal penalty, which could eat into your principal amount. But if you keep the five-year CD for the full term, you will earn the stated interest — assuming the product you’re in is a fixed-rate CD.<br /><br />Each depositor is insured to at least $250,000 per FDIC-insured bank. The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account type at NCUA institutions.</p></div> </div> </div> </noscript> </li> </ul> </div> <div id="research-methodology" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <h2>Research methodology</h2> <p style="font-size: 18px; color: #515260; font-family: CircularStd-Book, Arial, sans-serif; font-weight: 400; letter-spacing: normal;">At Bankrate, we strive to help you make smarter financial decisions. We follow strict guidelines to ensure that our editorial content is unbiased and not influenced by advertisers. Our editorial team receives no direct compensation from advertisers and our content is thoroughly fact-checked to ensure accuracy.</p> <p style="font-size: 18px; color: #515260; font-family: CircularStd-Book, Arial, sans-serif; font-weight: 400; letter-spacing: normal;">Bankrate regularly surveys around 70 widely available financial institutions, made up of the biggest banks and credit unions, as well as a number of popular online banks.</p> <p style="font-size: 18px; color: #515260; font-family: CircularStd-Book, Arial, sans-serif; font-weight: 400; letter-spacing: normal;">To find the best CDs, our editorial team analyzes various factors, such as: annual percentage yield (APY), the minimum needed to earn that APY (or to open the CD) and whether or not it is broadly available. All of the accounts on this page are insured by the Federal Deposit Insurance Corp. or the National Credit Union Share Insurance Fund.</p> <p style="font-size: 18px; color: #515260; font-family: CircularStd-Book, Arial, sans-serif; font-weight: 400; letter-spacing: normal;">When selecting the best CD for you, consider the purpose of the money and when you’ll need access to these funds to help you avoid early withdrawal penalties.</p></div> <ul class="Accordion w-full" data-cy="accordion-85a919c5-4557-414f-b0bc-09dc6aae089c"> <li x-id="['panel-banks-we-monitor', 'heading-banks-we-monitor']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-banks-we-monitor')" :aria-controls="$id('panel-banks-we-monitor')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" banks we monitor " data-position="1" data-text=" Banks we monitor " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Banks we monitor</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-banks-we-monitor')" :labelledBy="$id('heading-banks-we-monitor')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p><div style="max-width: 100%; word-wrap: break-word; white-space: normal;">Alliant Credit Union, Ally Bank, Amerant Bank, America First Credit Union, American Express National Bank, Axos Bank, Bank of America, Bank5 Connect, Barclays Bank, Bask Bank, Bethpage Federal Credit Union, BMO Alto, BMO Bank, Bread Savings, BrioDirect, Capital One, CFG Community Bank, Charles Schwab Bank, Chase Bank, CIBC Bank USA, CIT Bank, Citibank, Citizens Access, Comerica Bank, Connexus Credit Union, Credit One Bank, Customers Bank, Delta Community Credit Union, Discover Bank, EverBank, Fifth Third Bank, First Citizens Bank, First Internet Bank of Indiana, First National Bank of America, FNBO Direct, Forbright Bank, Golden 1 Credit Union, Heritage Bank, Huntington National Bank, iGOBanking.com, Jenius Bank, KeyBank, LendingClub Bank, Limelight Bank, Live Oak Bank, M&T Bank, Marcus by Goldman Sachs, Morgan Stanley Private Bank, MySavingsDirect, Navy Federal Credit Union, NBKC Bank, Openbank, Pentagon Federal Credit Union, PNC Bank, Popular Direct, Quontic Bank, Randolph-Brooks Federal Credit Union, Regions Bank, Rising Bank, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, SoFi, State Employees' Credit Union, Suncoast Credit Union, Synchrony Bank, TAB Bank, UFB Direct, US Bank, USAA Bank, Varo Bank, Vio Bank, VyStar Credit Union, Wells Fargo, Zions Bank</div></p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-banks-we-monitor')" :labelledBy="$id('heading-banks-we-monitor')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p><div style="max-width: 100%; word-wrap: break-word; white-space: normal;">Alliant Credit Union, Ally Bank, Amerant Bank, America First Credit Union, American Express National Bank, Axos Bank, Bank of America, Bank5 Connect, Barclays Bank, Bask Bank, Bethpage Federal Credit Union, BMO Alto, BMO Bank, Bread Savings, BrioDirect, Capital One, CFG Community Bank, Charles Schwab Bank, Chase Bank, CIBC Bank USA, CIT Bank, Citibank, Citizens Access, Comerica Bank, Connexus Credit Union, Credit One Bank, Customers Bank, Delta Community Credit Union, Discover Bank, EverBank, Fifth Third Bank, First Citizens Bank, First Internet Bank of Indiana, First National Bank of America, FNBO Direct, Forbright Bank, Golden 1 Credit Union, Heritage Bank, Huntington National Bank, iGOBanking.com, Jenius Bank, KeyBank, LendingClub Bank, Limelight Bank, Live Oak Bank, M&T Bank, Marcus by Goldman Sachs, Morgan Stanley Private Bank, MySavingsDirect, Navy Federal Credit Union, NBKC Bank, Openbank, Pentagon Federal Credit Union, PNC Bank, Popular Direct, Quontic Bank, Randolph-Brooks Federal Credit Union, Regions Bank, Rising Bank, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, SoFi, State Employees' Credit Union, Suncoast Credit Union, Synchrony Bank, TAB Bank, UFB Direct, US Bank, USAA Bank, Varo Bank, Vio Bank, VyStar Credit Union, Wells Fargo, Zions Bank</div></p></div> </div> </div> </noscript> </li> </ul> </div></div> </div></div> </section> </main> </div> <footer data-swiftype-index="false"class="global-footer"> <div class="global-footer__container"> <h2 class="global-footer__logo-container"> <a href="https://www.bankrate.com/"> <span class="global-footer__logo-text">Bankrate logo</span> <svg width="120" height="24" width="100" height="20" viewBox="0 0 400 80" xmlns="http://www.w3.org/2000/svg" focusable="false"> <title>Bankrate</title> <g fill="#151515"> <path d="m100.16 78.16v-8.16h-.16c-3.75 6.26-10.42 9.5-18 9.5-15.45 0-28-11.63-28-26.88 0-16.87 12.12-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.19v-7.44h9.91v52.81zm.19-26.31c0-10.29-7.44-18.85-18.41-18.85-9.91 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.58 18.58 0 0 0 18.41-18.62z"/> <path d="m155.19 78.16v-28.78c0-11.16-4.38-16.4-13.16-16.4s-13.92 6.39-13.92 16.31v28.89h-9.92v-52.83h9.25v5.65h.19c3.9-5 9.35-7 15.45-7 12.68 0 22 8 22 22.6v31.58h-9.9z"/> <path d="m300.12 78.16v-8.16h-.18c-3.72 6.29-10.4 9.53-17.93 9.53-15.45 0-28-11.63-28-26.88 0-16.87 12.1-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.18v-7.47h9.85v52.81zm.19-26.31c0-10.29-7.44-18.87-18.4-18.87-9.92 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.57 18.57 0 0 0 18.4-18.6z"/> <path d="m325.11 78.16v-43.75h-7.11v-9.06h7.15v-17.73h9.85v17.73h8.68v9.06h-8.68v43.75z"/> <path d="m356 56.05c2.29 8.76 9.25 14.4 17.36 14.4a17 17 0 0 0 15.06-8.87h9.91a27.08 27.08 0 0 1 -25.41 17.92c-14.87 0-26.92-13.16-26.92-27.27 0-16.68 12.58-28.32 26.6-28.32a26.9 26.9 0 0 1 27.4 27.17 29.4 29.4 0 0 1 -.29 5h-43.71zm34.13-7.62c-.75-9-8.67-15.45-17.16-15.45-8.11 0-16.21 6.39-17 15.45z"/> <path d="m42 39.88a22.68 22.68 0 0 0 -4.89-3.79 18.39 18.39 0 0 0 1.73-2 21 21 0 0 0 4-14 21.57 21.57 0 0 0 -6.2-13.85 22 22 0 0 0 -15.96-6.24h-20.68v79.5h24.34c9.13 0 14.75-4 17.87-7.39a23.6 23.6 0 0 0 6.18-16.11 22.89 22.89 0 0 0 -6.39-16.12zm-21.32-30.61c8.37 0 12.5 5.75 12.88 11.43a11.49 11.49 0 0 1 -9.71 11.93h-14.58v-23.36zm3.65 61h-15.06v-28.37h13.73c11.89 0 16.1 7.6 16.1 14.11-.01 6.84-4.62 14.22-14.77 14.22z"/> <path d="m245.87 25.39c-9.38-.7-13 4-13 4v-4h-9.87v52.77h9.91v-29.64a20.28 20.28 0 0 1 1-6.37c2.14-6.48 9.16-8.56 16-6l4.09-8.7a22.74 22.74 0 0 0 -8.13-2.06z"/> <path d="m173.07 7.62h9.92v70.55h-9.92z"/> <path d="m205.26 78.16-21.88-26.43 19.62-26.38h11.21l-19.31 26.38 22.05 26.43z"/> </g> </svg></a> </h2> <nav class="global-footer__nav"> <div class="global-footer__nav-item"> <h3 class="type-body-one">About</h3> <ul class="List" data-js-selector="global-footer-category"> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="About us" class="global-footer__link type-body-two" href="https://www.bankrate.com/about/"> About us </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Leadership" class="global-footer__link type-body-two" href="https://www.bankrate.com/leadership/"> Leadership </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Press room" class="global-footer__link type-body-two" href="https://www.bankrate.com/press-releases/" rel="nofollow"> Press room </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Careers" class="global-footer__link type-body-two" href="https://www.bankrate.com/careers/"> Careers </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Advertise with us" class="global-footer__link type-body-two" href="https://www.bankrate.com/media-kit/"> Advertise with us </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Site map" class="global-footer__link type-body-two" href="https://www.bankrate.com/corporate/site-map/"> Site map </a> </li> </ul> </div> <div class="global-footer__nav-item"> <h3 class="type-body-one">Help</h3> <ul class="List" data-js-selector="global-footer-category"> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Contact us" class="global-footer__link type-body-two" href="https://www.bankrate.com/contact/" rel="nofollow"> Contact us </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Compare rates" class="global-footer__link type-body-two" href="https://www.bankrate.com/compare-rates/"> Compare rates </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Latest news" class="global-footer__link type-body-two" href="https://www.bankrate.com/news/"> Latest news </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Popular topics" class="global-footer__link type-body-two" href="https://www.bankrate.com/popular-finance-topics/"> Popular topics </a> </li> </ul> </div> <div class="global-footer__nav-item"> <h3 class="type-body-one">Legal</h3> <ul class="List" data-js-selector="global-footer-category"> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Privacy policy" class="global-footer__link type-body-two" href="https://www.bankrate.com/privacy/"> Privacy policy </a> </li> <li> <button data-beam-element-clicked-no-delay data-type="BUTTON" data-location="footer" data-name="footer links" data-text="Cookie settings" class="global-footer__link type-body-two ot-sdk-show-settings" type="button"> Cookie settings </button> </li> <li> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="footer" data-name="footer links" data-text="Do Not Sell or Share My Personal Information" class="global-footer__link type-body-two" href="https://www.bankrate.com/do-not-sell-or-share-my-personal-information/" rel="nofollow"> Do Not Sell or Share My Personal Information </a> </li> <li> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="footer" data-name="footer links" data-text="Consumer Health Information Privacy Policy" class="global-footer__link type-body-two" href="https://www.bankrate.com/consumer-health-information-privacy-policy/" rel="nofollow"> Consumer Health Information Privacy Policy </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Understanding Bankrate’s averages" class="global-footer__link type-body-two" href="https://www.bankrate.com/understanding-bankrates-rate-averages/" rel="nofollow"> Understanding Bankrate’s averages </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Terms of use" class="global-footer__link type-body-two" href="https://www.bankrate.com/terms/"> Terms of use </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="GLBA annual notice" class="global-footer__link type-body-two" href="https://www.bankrate.com/glba-notice/"> GLBA annual notice </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="California Consumer Financial Privacy Notice" class="global-footer__link type-body-two" href="https://www.bankrate.com/2022/02/15094901/california-notice.pdf"> California Consumer Financial Privacy Notice </a> </li> <li> <a data-beam-element-clicked data-type="LINK" data-location="footer" data-name="footer links" data-text="Licenses" class="global-footer__link type-body-two" href="https://www.bankrate.com/licenses/" rel="nofollow"> Licenses </a> </li> </ul> </div> <div class="global-footer__nav-item"> <h3 class="type-body-one">How we make money</h3> <p class="global-footer__paragraph type-body-two"> Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service. </p> <p class="global-footer__paragraph type-body-two"> Bankrate, LLC NMLS ID# 1427381 <span>|</span> <a href="http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1427381" rel="noopener" target="_blank">NMLS Consumer Access</a><br> BR Tech Services, Inc. NMLS ID #1743443 <span>|</span> <a href="http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1743443" rel="noopener" target="_blank">NMLS Consumer Access</a> </p> </div> </nav> <div class="global-footer__social-bar-container"> <div class="global-footer__social-bar"> <span> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="Footer" data-position="footer" data-text="facebook" aria-label="Facebook" class="global-footer__icon" href="https://www.facebook.com/Bankrate/" rel="noopener" target="_blank" title="Facebook logo"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Facebook Icon</title><path d="M13.447 22.5H9.588a.86.86 0 0 1-.857-.857v-6.857H6.697a.86.86 0 0 1-.858-.857V10.07a.86.86 0 0 1 .857-.857h2.036V7.18a5.64 5.64 0 0 1 1.66-4.018A5.722 5.722 0 0 1 14.412 1.5h2.893a.86.86 0 0 1 .857.857v3.857a.86.86 0 0 1-.857.857H14.41l-.107.108v2.035h3a.86.86 0 0 1 .857.857v3.858a.86.86 0 0 1-.857.857h-3v6.857a.86.86 0 0 1-.857.857Zm-3-1.714h2.142v-6.857a.86.86 0 0 1 .857-.858h3V10.93h-3a.86.86 0 0 1-.857-.858V7.18c0-.483.193-.943.525-1.286a1.9 1.9 0 0 1 1.297-.536h2.036V3.214H14.41c-1.04 0-2.068.418-2.807 1.157a3.938 3.938 0 0 0-1.157 2.808v2.892a.86.86 0 0 1-.858.858H7.554v2.142h2.035a.86.86 0 0 1 .857.858v6.857Z" class="icon-base"/></svg></a> </span> <span> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="Footer" data-position="footer" data-text="twitter" aria-label="Twitter" class="global-footer__icon" href="https://twitter.com/bankrate" rel="noopener" target="_blank" title="Twitter logo"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 7.82-8.906h-1.853l-6.794 7.72-5.423-7.72H1.5l8.202 11.686L1.5 22.512h1.853l7.165-8.165 5.731 8.165H22.5l-8.499-12.118Zm-2.544 2.879-.828-1.162L4.02 2.86h2.841l5.337 7.473.827 1.162 6.93 9.71h-2.84l-5.658-7.931Z" class="icon-base"/></svg></a> </span> <span> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="Footer" data-position="footer" data-text="instagram" aria-label="Instagram" class="global-footer__icon" href="https://www.instagram.com/bankrate/?hl=en" rel="noopener" target="_blank" title="Instagram logo"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Instagram Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M16.518 22.5H7.482c-3.58 0-5.982-2.506-5.982-6.243V7.743C1.5 4.017 3.901 1.5 7.482 1.5h9.036c3.58 0 5.982 2.506 5.982 6.243v8.514c0 3.737-2.401 6.243-5.982 6.243ZM7.482 3.224c-2.595 0-4.267 1.778-4.267 4.53v8.513c0 2.753 1.672 4.53 4.267 4.53h9.036c2.595 0 4.267-1.777 4.267-4.53V7.754c0-2.752-1.672-4.53-4.267-4.53H7.482Zm4.352 13.74a4.614 4.614 0 0 1-4.61-4.605 4.614 4.614 0 0 1 4.61-4.605c2.54 0 4.61 2.067 4.61 4.605a4.614 4.614 0 0 1-4.61 4.605Zm0-7.497A2.894 2.894 0 0 0 8.94 12.36a2.894 2.894 0 0 0 5.788 0 2.894 2.894 0 0 0-2.894-2.892Zm4.224-2.41a1.16 1.16 0 0 0 1.158 1.157c.632 0 1.157-.524 1.157-1.156 0-.632-.525-1.157-1.157-1.157-.633 0-1.158.525-1.158 1.157Z" class="icon-base"/></svg></a> </span> <span> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="Footer" data-position="footer" data-text="linkedin" aria-label="LinkedIn" class="global-footer__icon" href="https://www.linkedin.com/company/bankrate/" rel="noopener" target="_blank" title="LinkedIn logo"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 22.48h9.036c3.58 0 5.982-2.506 5.982-6.244V7.723c0-3.738-2.401-6.244-5.982-6.244H7.482C3.902 1.48 1.5 3.996 1.5 7.723v8.513c0 3.738 2.401 6.244 5.982 6.244ZM3.215 7.733c0-2.752 1.672-4.53 4.267-4.53h9.036c2.595 0 4.267 1.778 4.267 4.53v8.514c0 2.752-1.672 4.53-4.267 4.53H7.482c-2.595 0-4.267-1.778-4.267-4.53V7.733Zm3.398 7.775a.86.86 0 0 0 .858.857.86.86 0 0 0 .857-.857V11.47a.86.86 0 0 0-.857-.857.86.86 0 0 0-.858.857v4.037Zm9.927.857a.86.86 0 0 1-.858-.857v-3.652a1.9 1.9 0 0 0-1.897-1.895c-1.05 0-1.887.846-1.887 1.895v3.652a.86.86 0 0 1-.858.857.86.86 0 0 1-.857-.857v-3.652a3.6 3.6 0 0 1 3.602-3.598c1.983 0 3.612 1.617 3.612 3.598v3.652a.86.86 0 0 1-.857.857ZM8.37 8.462a.9.9 0 1 1-1.8-.001.9.9 0 0 1 1.8 0Z" class="icon-base"/></svg></a> </span> <span> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="Footer" data-position="footer" data-text="youtube" aria-label="Youtube" class="global-footer__icon" href="https://www.youtube.com/user/bankrate" rel="noopener" target="_blank" title="YouTube logo"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>YouTube Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M4.414 20.127c.943.343 4.318.514 7.662.514l-.011.011c3.3 0 6.59-.16 7.458-.493 1.233-.364 2.187-1.371 2.476-2.561.664-1.907.664-9.248.021-11.156a3.626 3.626 0 0 0-2.475-2.636c-1.94-.632-13.342-.6-15.078.032A3.595 3.595 0 0 0 1.992 6.4c-.654 1.94-.654 9.302-.011 11.21.332 1.232 1.297 2.196 2.433 2.518Zm.589-14.65c.75-.278 4.03-.417 7.244-.417v.01c3.044 0 6.023.118 6.773.376.01.01.021.01.032.01.643.193 1.147.73 1.329 1.469.536 1.586.536 8.583-.022 10.19a1.949 1.949 0 0 1-1.371 1.415c-1.48.558-12.463.558-14.05-.021-.62-.172-1.125-.686-1.317-1.383-.536-1.575-.536-8.594.02-10.234.162-.675.665-1.21 1.362-1.414Zm4.823 9.956c.214.118.45.182.686.182v.011c.235 0 .46-.064.675-.182l3.933-2.24a1.364 1.364 0 0 0 0-2.368l-3.933-2.24a1.345 1.345 0 0 0-1.361 0 1.359 1.359 0 0 0-.675 1.179v4.48c0 .492.246.932.675 1.178Zm3.911-3.418-2.872 1.628v-3.257l2.872 1.629Z" class="icon-base"/></svg></a> </span> <span> <a data-beam-element-clicked-no-delay data-type="LINK" data-location="Footer" data-position="footer" data-text="tiktok" aria-label="TikTok" class="global-footer__icon" href="https://www.tiktok.com/@bankrate/" rel="noopener" target="_blank" title="TikTok logo"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Tiktok Icon</title><path d="M9.852 22.5a7.106 7.106 0 0 1-7.104-7.104 7.106 7.106 0 0 1 7.104-7.103c.225 0 .45.096.61.257.161.16.247.386.247.61 0 0-.032 2.326-.032 3.269 0 .439-.332.803-.772.857a2.025 2.025 0 0 0-1.821 2.025 2.035 2.035 0 1 0 4.071 0V2.357a.86.86 0 0 1 .857-.857h2.904c.364 0 .696.236.814.59.225.664 1.147 2.85 3.75 3.096.44.043.772.407.772.857v3.471a.849.849 0 0 1-.633.825c-1.35.354-2.7-.01-3.664-.439v5.496A7.106 7.106 0 0 1 9.852 22.5Zm-.868-12.418c-2.561.418-4.522 2.647-4.522 5.314a5.4 5.4 0 0 0 5.39 5.39 5.4 5.4 0 0 0 5.389-5.39V8.454c0-.322.182-.622.471-.761a.857.857 0 0 1 .89.064c.01.01 1.489 1.05 2.946 1.007V6.761c-2.143-.482-3.536-2.025-4.21-3.557H13.87V15.3a3.754 3.754 0 0 1-3.75 3.75 3.754 3.754 0 0 1-3.75-3.75 3.727 3.727 0 0 1 2.603-3.568c0-.525 0-1.157.01-1.66v.01Z" class="icon-base"/></svg></a> </span> </div> </div> <div class="global-footer__copyright-container"> <p class="type-body-three"> © 2025 Bankrate, LLC. A Red Ventures company. All Rights Reserved. </p> </div> </div> <div class="preamp-footer-placement"></div> <div class="preamp-footer-placement"></div> </footer> <div id="modalStack" class="pos-relative" style="z-index: 999;"></div> <link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-focus-C76grI_8.js" /><script type="module" src="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-focus-C76grI_8.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-interactive-tooltip-DWgQBERe.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/v4-BZd5Sria.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/stringify-CUxI7f_a.js" /><script type="module" src="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-interactive-tooltip-DWgQBERe.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-D-xUEzKl.js" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/module.esm-BVmYX9MG.js" /><script type="module" src="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-D-xUEzKl.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/modal-CmzQ4Z88.js" /><script type="module" src="https://www.bankrate.com/v5.1707.1/next/build/assets/modal-CmzQ4Z88.js"></script><script async> function callMonarch(appId, ruleSetId, containerClass) { cohesion('monarch:ready', async () => { function getMonarchRuleSet(ruleSetCustomId) { return new Promise((res, rej) => { monarch( 'ruleset', ruleSetCustomId, {}, { sourceId: appId, makeIdentifier: `${window._Tagular.webContext.anonymousId}`, }, (err, result) => { if (err) { console.error('Monarch Error', err); res([]); } else { // loop through the keys of the result object for (const key in result) { // If result is string containing injectable slug, convert it to an object to populate it with additional properties if (typeof result[key] === 'string' && result[key].includes( '_content/injectable-component/')) { result[key] = { injectableSlug: result[key] }; } result[key].ruleName = key; result[key].ruleSetId = ruleSetCustomId; } res(Object.values(result)); } } ); }); } const assets = await getMonarchRuleSet(ruleSetId); /** * Helper that transforms Monarch assets into a dictionary * to be used by the Wealth Rate Table application. */ const formatDictionary = (assets) => { return assets.reduce((acc, curr) => { // handles wealth assets if (curr.metadata) { const parsedMetadata = JSON.parse(curr.metadata); acc[parsedMetadata._featureName] = parsedMetadata; } // handles JO assets if (curr.assetPlacements?.length) { curr.assetPlacements.forEach((assetPlacement) => { if (assetPlacement.asset.metadata) { const parsedMetadata = JSON.parse(assetPlacement.asset .metadata); acc[parsedMetadata._featureName] = parsedMetadata; } }); } return acc; }, {}); } const formatWealthAssets = (assets) => { // Containing object to deliver processed assets to rate table let assetDictionary = {}; // Handles assets if they are deployed via multiple rules const multipleRules = Object.values(assets); // If multiple rules are detected if (multipleRules.length) { const formattedAssets = formatDictionary(multipleRules); assetDictionary = { ...assetDictionary, ...formattedAssets }; } // If single rule with one or many assets if (assets.length) { const formattedAssets = formatDictionary(assets); assetDictionary = { ...assetDictionary, ...formattedAssets }; } return assetDictionary; }; if (assets.length === 0) { return; } // Checks if we're on a page that contains the Wealth Rate Table if (typeof window.setMonarchAssets === 'function') { // Invokes method that will trigger a Wealth Rate Table state update window.setMonarchAssets(formatWealthAssets(assets)); } if (!window.jo) { // Initialize jo object on the window window.jo = {}; // Store Monarch assets within jo object window.jo.monarchAssets = []; // Create a method to push Monarch assets to monarchAssets array window.jo.storeMonarchMetadata = function storeMonarchMetadata(asset) { window.jo.monarchAssets.push(asset); } /** * Retrieve the JSON metadata for a Monarch-served preamp asset on the current page via ID. * * @NOTE "ID" refers to a nonstandard field that may be included in a JSON asset, NOT a preamp asset ID. */ window.jo.getMonarchMetadataById = function getMonarchMetadataById(id) { const matchedAsset = window.jo.monarchAssets.find(asset => { if (!asset.metadata) { return false; } try { const metadataJSON = JSON.parse(asset.metadata); const isAssetMatch = metadataJSON?.__id === id || metadataJSON?.__featureName === id; return isAssetMatch; } catch (error) { console.log(error); } }); if (!matchedAsset) { return {}; }; let metadata; try { metadata = JSON.parse(matchedAsset?.metadata); } catch { metadata = {}; } return metadata; } // Function to retrieve the JSON metadata for a Monarch-served preamp asset by feature name window.jo.getMetadataByFeatureName = function getMetadataByFeatureName(featureName) { const matchedAsset = window.jo.monarchAssets.find(asset => { if (!asset.metadata) { return false; } const metadataJSON = JSON.parse(asset.metadata); return metadataJSON._featureName === featureName; }); if (!matchedAsset) { return {}; } let metadata; try { metadata = JSON.parse(matchedAsset.metadata); } catch { metadata = {}; } return metadata; } } assets.flatMap((a, assetIndex, assets) => { const experienceId = a?.experienceId; const assetPlacements = a?.assetPlacements; const isLast = assetIndex === assets.length - 1; const brDataStoredEvent = new CustomEvent('jo:br-data:stored'); const ruleLoadedEvent = new CustomEvent('monarch:rule:loaded', { detail: { ruleSetId: a.ruleSetId, ruleName: a.ruleName, data: a, }, }); window.dispatchEvent(ruleLoadedEvent); if (containerClass) { if (experienceId) { const targetEl = document.getElementsByClassName(containerClass)[0]; const elements = assetPlacements.flatMap((a) => { window.jo.storeMonarchMetadata(a.asset); return renderPreampResponse(a.asset); }); targetEl.append(...elements); } if (assets && !experienceId) { const targetEl = document.getElementsByClassName(containerClass)[0]; window.jo.storeMonarchMetadata(a); const elements = renderPreampResponse(a); elements.forEach(element => targetEl.append(element)); } } function renderPreampResponse(assetType) { const container = document.createElement('div'); const script = document.createElement('script'); script.innerHTML = assetType.js; container.innerHTML = ` <div> <style>${assetType.css ? assetType.css : ''}</style> <div>${assetType.html ? assetType.html : ''}</div> </div> `; return [container, script]; } if (isLast) { window.dispatchEvent(brDataStoredEvent); } }); }); } </script> <link rel="preload" as="style" href="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-tooltip-BV0DbBqk.css" /><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-tooltip-CPerbs65.js" /><link rel="stylesheet" href="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-tooltip-BV0DbBqk.css" /><script type="module" src="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-tooltip-CPerbs65.js"></script><script> window.wealthBackfilledEditorialAdvertiserIds = ["5529","5291","8289","7819","10629","10586","2324","6642","9904","1966"]; </script> <script async id="inlineMedia-script" type="text/javascript" src="https://www.bankrate.com/ext/www.myfinance.com/embed/inlineMedia_core.js" onload="window.initializeInline({ loadInlineCss: true, ssr: true, skipDynamicAds: false, origin: 'https://inline.bankrate.com' });"> </script> <div class="preamp-footer-placement"></div> <div class="preamp-footer-placement"></div> <link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/table-of-contents-oiPaJFk7.js" /><script type="module" src="https://www.bankrate.com/v5.1707.1/next/build/assets/table-of-contents-oiPaJFk7.js"></script><script type="module"> addEventListener('DOMContentLoaded', (_) => { initializeTableOfContents('#picks,#how-to-find-best-rates,#when-should-you,#consider,#pros-and-cons,#faqs,#research-methodology', 64, ); }); </script> <link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-focus-C76grI_8.js" /><script type="module" src="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-focus-C76grI_8.js"></script><link rel="modulepreload" href="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-collapse-Cwlsivl9.js" /><script type="module" src="https://www.bankrate.com/v5.1707.1/next/build/assets/alpine-collapse-Cwlsivl9.js"></script><script async> setTimeout( () => callMonarch('18b02819-56c9-4af5-8780-faf726c1ba86', 'd3b7be00-dfaa-427c-90b8-0371c37b7d86', 'preamp-footer-placement'), +30000) </script> <script async> setTimeout( () => callMonarch('18b02819-56c9-4af5-8780-faf726c1ba86', '39875ae6-c239-4a71-a227-8653109203a5', 'preamp-footer-placement'), +0) </script> <script async> setTimeout( () => callMonarch('18b02819-56c9-4af5-8780-faf726c1ba86', '6a07f528-a8bd-46d0-964e-ae1d6f1949b7', 'preamp-footer-placement'), +0) </script> <script async> setTimeout( () => callMonarch('18b02819-56c9-4af5-8780-faf726c1ba86', 'b0efcaed-9cbc-44d7-86f3-3d37d27484b1', 'preamp-footer-placement'), +0) </script> <script src="/ext/cdn.cookielaw.org/scripttemplates/otSDKStub.js" type="text/javascript" charset="UTF-8" data-domain-script="09034832-9ea3-4f44-82ce-803550818ae2" defer="defer"></script> <script type="text/javascript"> function OptanonWrapper() {} </script> </body> </html>