Presidential Bank review 2025: Checking account APY that might be better than your current high-yield savings
You’ve probably never heard of Presidential Bank, a small financial institution located in the Washington, DC area. It’s worth educating yourself. This bank offers generous, highly competitive return rates with its best checking accounts, savings accounts, money market accounts, and more. In our Presidential Bank review, we’ll give you the facts you need to decide whether it’s a good fit for your banking needs. Rates and fees current as of Nov. 21, 2025, and are subject to change.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; 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} #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; 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font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Presidential BankPresidential BankChecking accounts$5 monthly fee (avoidable)Savings accountsEarn up to 4.00%CD ratesEarn up to 4.00% APYMoney marketOpen with as little as $1,000View offerat MoneyLionCompany insightsYear Founded: 1985Company Headquarters: Bethesda, MDCEO: Bruce ClevelandWho is Presidential Bank good for? Presidential Bank is likely a good option for anyone in search of a generous return rate on every deposit account. Whether you’re after checking, savings, CDs, or money market accounts, Presidential Bank is at or near the top of the heap in terms of APY.Presidential Bank can also be a great choice for those who want to keep all their banking at one establishment. Oftentimes, banks that offer return rates this generous are not full-service financial institutions—offering limited account types. Presidential offers just about anything you could want, from mortgages to lines of credit.Who shouldn’t use Presidential Bank? Primarily serving the Washington, DC area, Presidential Bank only offers a handful of brick-and-mortar locations around the nation’s capital and in Maryland and Virginia. If you don’t live near one of these areas, you won’t be able to bank in-person. That could be a deal-breaker for some would-be customers, especially as not all accounts can be opened online. Additionally, the best account options tend to come with hefty minimum deposit and balance requirements. If you’re only working with a few hundred dollars to start with, Presidential Bank may not serve you well. N/AProsTop-tier checking account APYHealthy number of CD termsSavings accounts have no transfer limitationsConsNot all account types can be opened onlineLimited physical branchesSome accounts require considerable balances to avoid feesPresidential Bank rates and productsPresidential Bank has an unusually large selection of deposit accounts, including four checking accounts, two savings accounts, and two money market accounts (MMAs). With every account type, it’s possible to get high-octane returns—though some require significant minimum deposits. Checking accountsUp to 4.12% APYSavings accountsUp to 4.00% APYCDsUp to 4.00% APYMoney Market Up to 3.87% APYBank details checked Nov. 21, 2025.Checking accountsPresidential Bank provides a whopping four checking account options. Three can be opened online—but the bank’s Regular Checking can only be opened in-branch.Most interesting is the Advantage Checking account which offers higher APY than even many high-yield savings accounts. But, to be eligible for the maximum return, you must receive a $500 + monthly direct deposit and make 7+ electronic withdrawals per month. The Advantage Checking account also unlocks the bank’s highest savings account APY, which we’ll provide more details on in a minute.Presidential Bank checking account featuresAccount opening bonus N/AMinimum opening deposit$100 –$1,500Monthly fees$5 (avoidable)APYUp to 4.12%Overdraft fees$25 (overdraft protection at $5.00 per transfer)Bank details checked Nov. 21, 2025.Advantage Checking account features:Minimum opening deposit:$500 Monthly fees:$5 (waived with $500+ monthly balance) APY:4.12% for balances up to $25,000 3.12% for higher balances 0.10% for accounts that don’t meet monthly requirements Transaction limitations:Only three checks per month (then $3 per check) Paper checks:Yes Overdraft fees:$25 (or overdraft protection at $5 per transfer) Out-of-network ATM fees:$0 (monthly $8 in reimbursements to offset ATM-operator surcharge) Checking PLUS account features:Minimum opening deposit:$1,500 Monthly fees:$5 (waived with $1,000 balance) APY:0.12% for balances up to $25,000 0.10% for higher balances Paper checks:Yes Overdraft fees:$25 (or overdraft protection at $5.00 per transfer) Out-of-network ATM fees:$0 Regular Checking account features:Minimum opening deposit:$100 Monthly fees:$5 (waived with $100+ monthly balance) APY:N/A Overdraft fees:$25 (or overdraft protection at $5 per transfer) Out-of-network ATM fees:$0 Special Checking account features:Minimum opening deposit:$500Monthly fees:$5 (waived with $500+ monthly balance) APY:0.12% for balances up to $1,000 0.10% for higher balances Paper checks:Yes (unlimited check writing ability) Overdraft fees: $25 (or overdraft protection at $5 per transfer) #qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; 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color: #111; } /** CD Styles */ #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer174 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer174 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer174 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer174 .shmktpl-sponsored, #qsWidgetContainer174 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer174 .sh-logo { flex-shrink: 1; } #qsWidgetContainer174 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer174 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer174 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer174 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer174 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer174 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer174 .sh-first-product .sh-btn__text, #qsWidgetContainer174 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer174 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer174 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Savings accountsYou’ll have two savings account options to choose from at Presidential Bank: Advantage Savings and Premier Savings. Neither account comes with transfer limits. This differs from savings accounts at many other financial institutions which typically limit the number of times you can access your money each month. The Advantage Savings account comes with far and away the higher APY of the two. Again, you can qualify for the highest return when you’ve also got an Advantage Checking account. Presidential Bank savings account featuresAccount opening bonus N/AMinimum opening deposit$500 –$5,000 Monthly fees$0APYUp to 4.00%Overdraft fees$0Bank details checked Nov. 21, 2025.Advantage Savings account features:Minimum opening deposit:$5,000Minimum balance:$0Monthly fees:$0APY:4.00% with an Advantage Checking account (otherwise 3.50%) Transfer limitations:None Premier Savings account features:Minimum opening deposit:$500Minimum balance:$0Monthly fees:$0APY:0.50% on balances up to $35,000; 0.35% on higher balances Transfer limitations:None Money market accountsMoney market accounts can be thought of as a cross between a savings account (which traditionally comes with higher APY than a checking account) and a checking account (which gives you more flexibility to access your funds). Pro tipLearn more about the differences between MMAs and savings accounts.Presidential Bank offers two MMAs, the Money Market Advantage Checking and the Money Market Checking account. The latter can only be opened in-branch. Each allows you to spend your money via debit card and paper checks. In fact, you’ll receive unlimited free checks with these accounts—something no other Presidential Bank deposit accounts offer. Presidential Bank MMA featuresMinimum opening deposit$1,000 –$25,000Minimum balance$0Monthly fees$5 (avoidable)APYUp to 3.87%Overdraft fees$0Bank details checked Nov. 21, 2025.Money Market Advantage Checking features:Minimum opening deposit:$25,000Minimum balance:$0Monthly fees:$5 (waived with $25,000 balance) APY:0.10% on balances under $25,000 3.87% on balances between $25,000 and $250,000 1.50% on higher balances Transaction limitations:None Money Market Checking features:Minimum opening deposit:$1,000 Minimum balance:$0Monthly fees:$5 (waived with $500 balance) APY:0.15% on balances under $1,000 0.25% on balances of $1,000 to $9,999.99 0.30% on balances of $10,000+ Transaction limitations:None Certificates of depositPresidential Bank offers two types of CDs: Standard and IRA CDs. You can choose from 10 standard CD terms and four IRA CD terms. These CDs are relatively straightforward (you won’t find specialty options like bump-up, flex, or jumbo CDs), but there’s one curious exception: The 7-month CD requires that you use new money to open it. In other words, you can’t open it with money already stored with Presidential Bank. Of course, you’ll also be subject to early withdrawal penalties if you try to access money before your account matures. Depending on the length of your account term, you’ll pay between 30 days’ and 24 months’ interest. Presidential Bank CD featuresMinimum opening deposit$1,000Available term lengths30, 60, 90, 182 days; 7, 9 12, 24, 36, 60 monthsAPYUp to 4.25%Early withdrawal penalty– Terms between 30 and 60 days: 30 days’ interest – Terms between 90 days and 7 months: 3 months’ interest – Terms of 9 months: 4 months’ interest – Terms of 1 year: 6 months’ interest – Terms of 2 years: 12 months’ interest – Terms of 3 years: 18 months’ interest – Terms of 5 years: 24 months’ interestGrace period– Terms of 30 days: 1 business day – Terms of 60 days to 5 years: 7 calendar daysStandard CDsTerm lengthAPY30 days0.10%60 days0.10%90 days0.10%182 days3.50%7 months4.00%9 months3.88%12 months3.75%24 months3.00%36 months2.85%60 months2.85%30 daysAPY0.10%60 daysAPY0.10%90 daysAPY0.10%182 daysAPY3.50%7 monthsAPY4.00%9 monthsAPY3.88%12 monthsAPY3.75%24 monthsAPY3.00%36 monthsAPY2.85%60 monthsAPY2.85%Bank details checked as of Nov. 21, 2025IRA CDsTerm lengthAPY12 months4.00%24 months3.00%36 months2.85%60 months2.85%12 monthsAPY4.00%24 monthsAPY3.00%36 monthsAPY2.85%60 monthsAPY2.85%Bank details checked as of Nov. 21, 2025ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight 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.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.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.READ BANK REVIEW12345...160Other services Presidential Bank offersPresidential Bank offers more than lucrative deposit accounts. You can also apply for: Mortgages:Whether you’re looking to buy a new home or refinance your current home, Presidential Bank has options. Home equity line of credit:Borrow the equity you’ve built in your home in the form of a line of credit. Lines of credit:Receive a revolving line of credit in exchange for providing collateral to Presidential Bank. IRAs:Presidential Bank offers self-direct individual retirement accounts, both traditional and Roth. Online banking Presidential Bank offers features common among online banking platforms. You can make payments, transfer funds, view checks, send secure messages to Presidential Bank, and more. Presidential Bank also offers a mobile app for Apple, Android, and Kindle. The Presidential Bank platform and customer supportYou can reach Presidential Bank customer service with one of two numbers: 800-383-6266 or 240-333-9059. Hours are 8 a.m. to 10 p.m. Eastern Time Monday through Friday. Presidential Bank also has an automated phone service available 24/7 at 800-317-6980. If you’d prefer to email, you can reach the bank at email@presidential.com. Presidential Bank has branches in Maryland, Virginia, and Washington, DC. Is Presidential Bank secure?Presidential Bank uses enhanced login security to help prevent fraudsters from accessing your account. It boasts of its cutting-edge technology and services to keep users safe. It also benefits from FDIC insurance. You’re covered up to $250,000 per account type per depositor. Presidential Bank user reviewsCustomers who have a bad experience with a financial institution are the ones most likely to write an online review. With that in mind, Presidential Bank gets mixed online reports from its customers. Users on Reddit and other forums praise the bank’s high interest rates and friendly, competent employees. On the other hand, some call out their small physical footprint and report concerning hiccups after account opening. 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font-weight: 600; } }Compare Presidential Bank alternativesIf Presidential Bank’s limited footprint or generally high minimum deposit and balance requirements give you pause, it’s worth evaluating competing institutions to store your money with. For folks seeking competitive yields and comfortable banking online, two options worth considering are Alliant Credit Union and Discover Bank. Presidential BankDiscover BankAlliant Credit UnionChecking account APYChecking account APYChecking account APY4.12%Not interest bearing (but debit card that earns up to 1% back on purchases)0.25%Savings account APYSavings account APYSavings account APY4.00%3.40%3.10%CD APYCD APYCD APY4.00%Up to 3.50%4.10%Learn moreLearn moreLearn moreView offerat MoneyLionView offerat Discover BankView offerat MoneyLionBank details checked Nov. 21, 2025Is Presidential Bank right for you?Presidential Bank may be right for you if a high APY is of paramount importance. Across the board, it offers stunning returns with its deposit accounts. Presidential Bank may also be a good fit for those who find value in unlimited transactions for savings accounts. That’s a perk you likely won’t find at many other financial institutions. Just keep in mind the bank’s extremely limited physical presence. In-person banking will only be possible for those who live around the Washington, DC, area. Not in need of a physical bank branch?Check out our picks for the best online banks of 2025. Frequently asked questionsWhere is Presidential Bank located?Presidential Bank is headquartered in Bethesda, Maryland. Its branches are in Maryland (Bethesda, Frederick, Rockville), Virginia (Ballston, Leesburg, McLean, Reston, Rosslyn, Tysons), and the District of Columbia (K-Street).Are there any ATM fees with Presidential Bank?Presidential Bank doesn’t charge ATM fees, but you may incur fees from ATM operators if you use an out-of-network option.Does Presidential Bank charge for wire transfers, and what are the current fees?Presidential Bank does not charge a fee for incoming wire transfers. Outgoing domestic transfers cost $20, outgoing international transfers cost $45, and outgoing international foreign currency transfers cost $35.How do I contact Presidential Bank customer service, and what are the support hours?You can contact Presidential Bank customer service by calling either 800-383-6266 or 240-333-9059. Customer service hours are between 8 a.m.and 10 p.m. Eastern Time from Monday to Friday.Are there any account closure fees with Presidential Bank?You’ll be changed a $5 fee if you close your account within six months from the date it was opened. This excludes CDs which come with their own unique early withdrawal fees.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current mortgage rates report for Nov. 27, 2025: Rates tick slightly down again
The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.169%, according to data available from mortgage data company Optimal Blue. That’s down 2 basis points from the prior day’s report, and down about 6 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.169%One week ago6.230%One month ago6.155%30-year jumboCurrent rate6.453%One week ago6.501%One month ago6.531%30-year FHACurrent rate5.978%One week ago6.104%One month ago6.114%30-year VACurrent rate5.766%One week ago5.933%One month ago5.726%30-year USDACurrent rate6.073%One week ago6.137%One month ago5.999%15-year conventionalCurrent rate5.424%One week ago5.457%One month ago5.389%Note thatFortunereviewed Optimal Blue’s latest available data on Nov. 26, with the numbers reflecting home loans locked in as of Nov. 25.What’s happening with mortgage rates in the market?If it appears 30-year mortgage rates have been stuck on the brink of 7% for an eternity, that impression is not too far off from reality. Many watching the market expected rates to decrease when the Federal Reserve began reducing the federal funds rate last September, but that hope did not materialize. There was a brief decline leading up to the September 2024 Fed meeting, but rates swiftly increased afterward.In fact, by January 2025 the average rate for a 30-year, fixed-rate mortgage passed 7% for the first time since last May, according to Freddie Mac figures. That’s considerably higher than the historic average low of 2.65% witnessed in January 2021, when the government was still attempting to boost the economy and prevent a pandemic-induced recession.Barring another catastrophe, experts agree we won’t see mortgage rates in the 2% to 3% range in our lifetimes. And, with President Donald Trump’s pursuit of policies such as tariffs and deportations, some analysts have long feared the labor market could tighten and inflation could reignite. Against that backdrop, U.S. homebuyers have faced high mortgage rates for some time—though some found ways to make their purchase more affordable, such as negotiating rate buydowns with a builder when buying newly constructed housing.Would-be homebuyers did get some relief beginning in late August and early September of 2025, and continuing through October. Mortgage interest rates trended notably downward, falling closer to 6%—for 30-year, fixed-rate conforming loans—leading up to the Fed’s meeting in September. The Fed delivered a quarter percentage point rate cut to the federal funds rate at that meeting, and another cut of the same amount when it met in October.While the fed funds rate and mortgage interest rates don’t move in tandem 100% of the time, it’s often true that the market adjusts ahead of expected action by the central bank.How to get the best mortgage rate you canWhile economic conditions are out of your control, your financial profile as an applicant also has a major impact on how low a mortgage rate you’re offered. With that in mind, strive to do the following:Ensure your credit is in excellent shape.The minimum credit score to get a conventional mortgage is generally 620 (for FHA loans, you may be able to qualify with a score of 580 or a score as low as 500 and a 10% down payment). But, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score quite a bit higher. For example, lender Blue Water Mortgage notes that a score of at least 740 is considered top tier.Keep your debt-to-income (DTI) ratio low.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. It’s typically best when applying for a mortgage to have a DTI of 36% or below, though you may get approved with a DTI as high as 43%Get prequalified with multiple lenders.You may wish to try a mix of large banks, local credit unions, and online lenders and compare offers. Plus, getting connected with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will be best able to meet your needs. Just make sure when you’re comparing rates that you’re doing it in a way that’s apples to apples—if one estimate relies on you purchasing mortgage discount points and another does not, it’s important to understand there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartAn important piece of context to the discussion surrounding high mortgage rates is that recent rates in the ballpark of 7% feel high because of the not-too-distant memory of rates in the range of 2% to 3%. Those rates were possible as the federal government took virtually unprecedented action trying to prevent recession as the country battled a global pandemic.However, under more typical economic conditions, experts agree we’re unlikely to see such dramatically low interest rates again. And, historically, rates in the vicinity of 7% are not abnormally high.Consider this St. Louis Fed (FRED) chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. From the 1970s through the 1990s, such rates were more or less the norm, with a massive spike in the early 1980s. In fact, September, October, and November of 1981 all saw mortgage interest rates above 18%.Still, that historical context is scant comfort for homeowners who may want to move but are locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners put when they’d otherwise move have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe state of the U.S. economy may well be the biggest thing impacting mortgage rates. If lenders are worried about inflation, they can hike rates to protect their future earnings. And, the national debt is another big factor. When the government has to borrow large sums to cover its spending, that can push interest rates higher.Demand for home loans plays a big role too. If not many consumers are seeking loans, lenders might cut rates to attract borrowers. But if demand is high, they might raise rates to cover the costs of handling more loans.The Federal Reserve’s actions are also crucial. The Fed can influence mortgage rates both by adjusting the federal funds rate and by managing its balance sheet.That first factor, the federal funds rate, gets a lot of coverage in the media. When the Fed hikes or cuts it, mortgage rates often follow. But keep in mind, the Fed doesn’t set mortgage rates directly, and they don’t always move in perfect step with the fed funds rate.The Fed also impacts rates on long-term financial products like mortgages via its balance sheet. During economic downturns, the central bank can buy assets like mortgage-backed securities (MBS) to inject money into the economy.But recently, the Fed has been trimming its balance sheet, letting assets mature without buying new ones. This tends to push interest rates up. So while everyone watches for federal funds rate decisions, what the Fed does with its balance sheet might matter even more for your mortgage rate.Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with different lenders are both important steps in getting the best mortgage for your situation.If your credit is in stellar shape, opting for a conventional mortgage could very well be the best choice for you. But, if your score is sub-600, an FHA loan may give you a chance a conventional loan would not.When it comes to shopping around with different banks, credit unions, and online lenders, it can make a tangible difference in how much you pay. Freddie Mac research shows that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current price of silver as of Monday, December 1, 2025
At 8:15 a.m. Eastern Time on December 1, 2025, silver was valued at $57.59 per ounce. That’s a $1.08 uptick from the same time yesterday and more than a $27 gain over the past year. Silver price per ounce% ChangePrice of silver yesterday$56.511.91%Price of silver 1 month ago$48.9117.74%Price of silver 1 year ago$30.5188.75%Price of silver yesterdaySilver price per ounce$56.51% Change1.91%Price of silver 1 month agoSilver price per ounce$48.91% Change17.74%Price of silver 1 year agoSilver price per ounce$30.51% Change88.75%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical silver performance Silver is not a get-rich-quick investment. It tends to far underperform traditional stocks over the long term. Since 1921, silver has declined around 96% against the S&P 500. In other words, if you had invested the same amount of money in both stocks and silver at the same time, your silver would now be worth 96% less than your stocks. Instead, silver is considered a comparatively safe and reliable asset that can help you to preserve the value of your money. You’ll sometimes hear it described as a “store of value.” It tends to retain its value during periods of inflation—so converting your money into silver is something like a cryogenic chamber to store your funds when inflation is weighing on your mind.Silver tends to be more volatile than gold. While gold is largely used as a store of value, silver is also widely used in industry (think electronics, medical devices, etc.). This means the value of silver is more directly susceptible to industry demands.Ads by Money. We may be compensated if you click this ad.AdWhat does “spot silver” mean? Put simply, the “spot silver” price is the current rate at which one could in theory instantly sell or buy silver. But, it’s crucial to note individual buyers will often have to pay above spot when buying silver, as there are other costs affecting the final price—think markups, shipping fees, and insurance. The spot price of silver is a benchmark that investors use to monitor real-time demand and trends. If the spot price is higher, the demand is greater. What is “price spread” in silver trading? Silver’s “price spread” is the disparity between its buying and selling price. There are two terms you should know: Ask price (what you’ll pay to purchase silver). Bid price (what you’ll earn when selling your silver). As you’d expect, the bid price is lower than the ask price. The narrower the bid-ask spread, the higher the demand for silver. 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Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. 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All investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns. Securities offered through Robinhood Financial LLC, a member of FINRA and SIPC and a wholly-owned subsidiary of Robinhood Markets, Inc. Cryptocurrency trading offered through Robinhood Crypto LLC. Robinhood Crypto and Publisher are not a members of FINRA or SIPC and cryptocurrencies are not stocks and your cryptocurrency investments are not protected by either FDIC or SIPC insurance.VIEW DETAILS on Robinhood's website Sign Up Bonus1 Free StockAccount MinimumNoneCommission FeesNoneDisclosureDisclosureThis advertisement contains information and materials provided by Robinhood Financial LLC, Robinhood Securities LLC and its affiliates ("Robinhood") and Publisher, a third party not affiliated with Robinhood. All investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns. Securities offered through Robinhood Financial LLC, a member of FINRA and SIPC and a wholly-owned subsidiary of Robinhood Markets, Inc. Cryptocurrency trading offered through Robinhood Crypto LLC. Robinhood Crypto and Publisher are not a members of FINRA or SIPC and cryptocurrencies are not stocks and your cryptocurrency investments are not protected by either FDIC or SIPC insurance.VIEW DETAILS on Robinhood's website Additional FeaturesTrade stocks and ETFs 24 hours a day, 5 days a week1 Free stock after linking your bank account ($5 - $200 value)Low brokerage margin rates starting at 5.50%$0 commission on stocks & ETFsBuy, sell and store popular cryptocurrenciesEasily transfer accounts, including deposits and brokerageAdditional FeaturesTrade stocks and ETFs 24 hours a day, 5 days a week1 Free stock after linking your bank account ($5 - $200 value)Low brokerage margin rates starting at 5.50%$0 commission on stocks & ETFsBuy, sell and store popular cryptocurrenciesEasily transfer accounts, including deposits and brokerageDatalign Advisory : Financial AdvisorVIEW DETAILS on Datalign Advisory's website FeesAdvisor fees may varyMinimum Investment$0Best ForFinding Vetted Financial AdvisorsVIEW DETAILS on Datalign Advisory's website Additional FeaturesConnect with an advisor based on your preferences and financial profileNationwide coverage, with in-person and remote advisory availableBoth asset-based and fee-based advisors availableAdditional FeaturesConnect with an advisor based on your preferences and financial profileNationwide coverage, with in-person and remote advisory availableBoth asset-based and fee-based advisors availableYieldStreet : Alternative InvestmentVIEW DETAILS on YieldStreet's website Minimum Investment$2500Investment Term3 mons- 8 yrsBest ForAlternative InvestmentsVIEW DETAILS on YieldStreet's website Additional FeaturesInnovative income-generating products with typically low stock market correlationInvest in assets backed by collateralShort term investments - 3 months to 8 yearsStrict risk management for your capital is at the heart of what we doAccess diversification strategies used by many institutional investorsAdditional FeaturesInnovative income-generating products with typically low stock market correlationInvest in assets backed by collateralShort term investments - 3 months to 8 yearsStrict risk management for your capital is at the heart of what we doAccess diversification strategies used by many institutional investorsMoomoo : Investment AccountDisclosureDisclosure 1. The deposit bonus is available only to clients who have never made a deposit or transfer before 5/29/2025. Offer is only valid for US residents with a valid SSN who are at least 18 years old. After receiving the free stocks, you will need to maintain your average assets based on the requirements for 60 days to unlock the stocks. Additional terms and conditions apply, learn more at https://www.moomoo.com/us/support/topic4_410. Get up to $1,000 in NVDA stocks with the qualifying deposit amount:Deposit $100, get $20 in NVDA stock + 8.1% APY on uninvested cashDeposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cashDeposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cashDeposit $50,000, get $1,000 in NVDA stock + 8.1% APY on uninvested cash2. Level 2 data (NYSE ArcaBank) is free for Moomoo Financial Inc. accounts with a minimum 30-day average account value of $100+. Other conditions apply, to learn more, visit moomoo.com/us/support/topic3_435VIEW DETAILS on Moomoo's website Sign Up Bonus8.1% APY on uninvested cash and get up to $1,000 in NVDA stock1Account Minimum$100Best ForUser-Friendly Tools, Data, and InsightsDisclosureDisclosure 1. The deposit bonus is available only to clients who have never made a deposit or transfer before 5/29/2025. Offer is only valid for US residents with a valid SSN who are at least 18 years old. After receiving the free stocks, you will need to maintain your average assets based on the requirements for 60 days to unlock the stocks. Additional terms and conditions apply, learn more at https://www.moomoo.com/us/support/topic4_410. Get up to $1,000 in NVDA stocks with the qualifying deposit amount:Deposit $100, get $20 in NVDA stock + 8.1% APY on uninvested cashDeposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cashDeposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cashDeposit $50,000, get $1,000 in NVDA stock + 8.1% APY on uninvested cash2. Level 2 data (NYSE ArcaBank) is free for Moomoo Financial Inc. accounts with a minimum 30-day average account value of $100+. Other conditions apply, to learn more, visit moomoo.com/us/support/topic3_435VIEW DETAILS on Moomoo's website Additional Features$0 commission options trading13 options strategiesTrade seamlessly on mobile and desktopSupports crypto tradingFree real time level 2 data for funded accounts2Additional Features$0 commission options trading13 options strategiesTrade seamlessly on mobile and desktopSupports crypto tradingFree real time level 2 data for funded accounts2Public : BrokerageDisclosureDisclosure*Terms and Conditions apply.**This yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. Because the YTW of each bond is a function of that bond’s market price, which can fluctuate, your yield at time of purchase may be different from the yield shown here and your YTW is not “locked in” until the time of purchase. A bond’s YTW is not guaranteed; you can earn less than that YTW if you do not hold the bonds to maturity or the issuer defaults.***Rate as of 1/7/25. APY is variable and subject to changeAll investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7% yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. A bond’s yield is a function of its market price, which can fluctuate; therefore a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See Bond Account Disclosures to learn more. VIEW DETAILS on Public's website BonusEarn up to $10,000*Account Minimum$0Commission$0 on US listed stocks & ETFsDisclosureDisclosure*Terms and Conditions apply.**This yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. Because the YTW of each bond is a function of that bond’s market price, which can fluctuate, your yield at time of purchase may be different from the yield shown here and your YTW is not “locked in” until the time of purchase. A bond’s YTW is not guaranteed; you can earn less than that YTW if you do not hold the bonds to maturity or the issuer defaults.***Rate as of 1/7/25. APY is variable and subject to changeAll investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7% yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. A bond’s yield is a function of its market price, which can fluctuate; therefore a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See Bond Account Disclosures to learn more. VIEW DETAILS on Public's website Additional FeaturesInvest in stocks, bonds, options, ETFs, crypto and moreReceive rebates on stock & ETF options contractsLock in a 7% yield with a Bond Account**Member of FINRA, US-based companyEarn 4.1%*** APY on your cash with a high-yield cash accountEarn up to $10,000 when you transfer your portfolio to Public*Additional FeaturesInvest in stocks, bonds, options, ETFs, crypto and moreReceive rebates on stock & ETF options contractsLock in a 7% yield with a Bond Account**Member of FINRA, US-based companyEarn 4.1%*** APY on your cash with a high-yield cash accountEarn up to $10,000 when you transfer your portfolio to Public*VIEW LESS LISTINGSPowered By:Powered By:/* Loader */ #UaGRtaQEFuHKRbru .spinner { display: none; } #UaGRtaQEFuHKRbru.listingsLoading .spinner { display: block; } #UaGRtaQEFuHKRbru.listingsLoading .widget-render-result { display: none; } #UaGRtaQEFuHKRbru.listingsLoaded .widget-render-result { display: block; } #UaGRtaQEFuHKRbru.listingsLoaded .spinner { display: none; 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border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #UaGRtaQEFuHKRbru .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #UaGRtaQEFuHKRbru .apy-label { font: normal normal 900 24px / 28px Roboto; } #UaGRtaQEFuHKRbru .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #UaGRtaQEFuHKRbru .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #UaGRtaQEFuHKRbru .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #UaGRtaQEFuHKRbru .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #UaGRtaQEFuHKRbru .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #UaGRtaQEFuHKRbru .additional-content { margin-top: 0px !important; } #UaGRtaQEFuHKRbru .additional-content ul li { margin-bottom: 0; } #UaGRtaQEFuHKRbru .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #UaGRtaQEFuHKRbru .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #UaGRtaQEFuHKRbru .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #UaGRtaQEFuHKRbru .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #UaGRtaQEFuHKRbru .shArrow { width: 12px; height: 7px; } #UaGRtaQEFuHKRbru span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #UaGRtaQEFuHKRbru .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #UaGRtaQEFuHKRbru .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #UaGRtaQEFuHKRbru #see_more_carrier, #UaGRtaQEFuHKRbru .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #UaGRtaQEFuHKRbru .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #UaGRtaQEFuHKRbru .apy-label p { margin-top: 0px; margin-bottom: 0px; } #UaGRtaQEFuHKRbru .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #UaGRtaQEFuHKRbru { padding: 0 26px; } #UaGRtaQEFuHKRbru .logo-image-wrapper { width: 136px; } #UaGRtaQEFuHKRbru .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #UaGRtaQEFuHKRbru .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #UaGRtaQEFuHKRbru .prop-value-container .apy-container { flex: 0 0 44%; } #UaGRtaQEFuHKRbru .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru .prop-value-container .minvalue-container { flex: 0 0 28%; } #UaGRtaQEFuHKRbru .ad-copy-top-section { margin-bottom: 15px; } #UaGRtaQEFuHKRbru .sh-row-product-title { max-width: 136px; } #UaGRtaQEFuHKRbru .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #UaGRtaQEFuHKRbru .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #UaGRtaQEFuHKRbru .logo-image-wrapper { width: 100%; max-width: 292px; } #UaGRtaQEFuHKRbru .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #UaGRtaQEFuHKRbru .ad-copy { margin-left: 0; } #UaGRtaQEFuHKRbru .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #UaGRtaQEFuHKRbru .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #UaGRtaQEFuHKRbru .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #UaGRtaQEFuHKRbru .see-more-text { padding: 16px 15px; } #UaGRtaQEFuHKRbru .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #UaGRtaQEFuHKRbru .top-section-right { margin-left: 0px; } #UaGRtaQEFuHKRbru .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #UaGRtaQEFuHKRbru.sizeone .header-section { padding: 6px 10px; } } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .row-1 { padding-left: 14px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .prop-value-container .mfee-container #UaGRtaQEFuHKRbru.sh-box650.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #UaGRtaQEFuHKRbru.sh-box650.device-desktop .row-1, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .row-1 , #UaGRtaQEFuHKRbru.sh-box650.device-desktop .row-2, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .row-2 , #UaGRtaQEFuHKRbru.sh-box500.device-desktop .row-1, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .row-1 , #UaGRtaQEFuHKRbru.sh-box500.device-desktop .row-2, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .row-2{ display: unset; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .apy-label, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .apy-label, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .apy-label, #UaGRtaQEFuHKRbru.sh-box500.device-desktop .apy-label, #UaGRtaQEFuHKRbru.sh-box650.device-desktop .prop-value, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .prop-value, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .prop-value, #UaGRtaQEFuHKRbru.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#UaGRtaQEFuHKRbru.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#UaGRtaQEFuHKRbru.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#UaGRtaQEFuHKRbru.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #UaGRtaQEFuHKRbru .shmktpl-title, #UaGRtaQEFuHKRbru .sub-heading-container, #UaGRtaQEFuHKRbru .filter-check-options-cntnr, #UaGRtaQEFuHKRbru .listing-header-cntnr { display: none; } #UaGRtaQEFuHKRbru.title .shmktpl-title, #UaGRtaQEFuHKRbru.subHeading .sub-heading-container, #UaGRtaQEFuHKRbru.multiSelectFilter .filter-check-options-cntnr, #UaGRtaQEFuHKRbru.resultsText .listing-header-cntnr { display: flex; } #UaGRtaQEFuHKRbru.sizeone .add-overlay-content { width: 62%; height: auto; } #UaGRtaQEFuHKRbru.sizeone .disclosure-title { padding: 6px 0px; } #UaGRtaQEFuHKRbru.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #UaGRtaQEFuHKRbru .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #UaGRtaQEFuHKRbru.sizeone .title-container { margin-top: 0; } #UaGRtaQEFuHKRbru.sizeone .non_featured_list { margin-top: 0; } #UaGRtaQEFuHKRbru.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #UaGRtaQEFuHKRbru.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #UaGRtaQEFuHKRbru .item { flex: 1 1 calc(50% - 48px); } #UaGRtaQEFuHKRbru .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #UaGRtaQEFuHKRbru .item:nth-of-type(4n+3), #UaGRtaQEFuHKRbru .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #UaGRtaQEFuHKRbru .item:nth-of-type(4n+1), #UaGRtaQEFuHKRbru .item:nth-of-type(4n+1) + * { background-color: #fff; } #UaGRtaQEFuHKRbru .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #UaGRtaQEFuHKRbru .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #UaGRtaQEFuHKRbru .desktop, #UaGRtaQEFuHKRbru .desktop-inline { display: none; } #UaGRtaQEFuHKRbru .mobile { display: block !important; } #UaGRtaQEFuHKRbru { padding: 0 18px; } #UaGRtaQEFuHKRbru .shmktpl-title { font-size: 24px; line-height: 29px; } #UaGRtaQEFuHKRbru .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #UaGRtaQEFuHKRbru .add-overlay-content { width: 80%; height: auto; } #UaGRtaQEFuHKRbru .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #UaGRtaQEFuHKRbru .row-1 { flex-flow: column; padding: 16px; } #UaGRtaQEFuHKRbru .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #UaGRtaQEFuHKRbru .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #UaGRtaQEFuHKRbru .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #UaGRtaQEFuHKRbru .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #UaGRtaQEFuHKRbru .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #UaGRtaQEFuHKRbru .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #UaGRtaQEFuHKRbru .prop-value { margin-top: 0; } #UaGRtaQEFuHKRbru .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #UaGRtaQEFuHKRbru .non_featured_list { margin-top: 18px; } #UaGRtaQEFuHKRbru .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #UaGRtaQEFuHKRbru .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #UaGRtaQEFuHKRbru .item:nth-child(3n), #UaGRtaQEFuHKRbru .desktop-bg { background: none; } #UaGRtaQEFuHKRbru .prod-desc-popup-content { padding: 0; } #UaGRtaQEFuHKRbru .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #UaGRtaQEFuHKRbru .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #UaGRtaQEFuHKRbru .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #UaGRtaQEFuHKRbru .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #UaGRtaQEFuHKRbru .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #UaGRtaQEFuHKRbru .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #UaGRtaQEFuHKRbru .disclosure-content ul { padding-left: 14px; line-height: 28px; } #UaGRtaQEFuHKRbru .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #UaGRtaQEFuHKRbru .additional-features { flex: 0 0 100%; } #UaGRtaQEFuHKRbru .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #UaGRtaQEFuHKRbru.sizeone .listing-header-cntnr { display: none; } #UaGRtaQEFuHKRbru.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #UaGRtaQEFuHKRbru .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #UaGRtaQEFuHKRbru .prod-desc-popup-content { position: fixed; } } #UaGRtaQEFuHKRbru.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #UaGRtaQEFuHKRbru.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #UaGRtaQEFuHKRbru.listingAlignment .logo-image-wrapper img { width: 100%; } #UaGRtaQEFuHKRbru.listingAlignment { padding: 0px; } #UaGRtaQEFuHKRbru.listingAlignment .listing-title { font-size: 14px; } #UaGRtaQEFuHKRbru.listingAlignment .listing-title span { font-size: 14px; } #UaGRtaQEFuHKRbru.listingAlignment .row-1 { padding: 26px 10px; } #UaGRtaQEFuHKRbru.listingAlignment .prop-name { font-size: 10px; } #UaGRtaQEFuHKRbru.listingAlignment .prop-value { font-size: 14px } #UaGRtaQEFuHKRbru.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #UaGRtaQEFuHKRbru.listingAlignment .logo-column.flex-container { flex: unset; } #UaGRtaQEFuHKRbru.listingAlignment .prop-conatiner { flex: unset; } #UaGRtaQEFuHKRbru.listingAlignment .ad-copy-column.flex-container { flex: unset; } #UaGRtaQEFuHKRbru.listingAlignment .cta-column.flex-container { flex: unset; } #UaGRtaQEFuHKRbru.listingAlignment .disclosure-content ul li::before { content: unset; } #UaGRtaQEFuHKRbru.listingAlignment .disclosure-content ul li { list-style: disc; } } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #UaGRtaQEFuHKRbru.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #UaGRtaQEFuHKRbru.ctaAlignment .cta-column.flex-container { display: block !important; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button { font-size: 16px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #UaGRtaQEFuHKRbru .sh-no-listing-msg { padding: 20px 0px; } #UaGRtaQEFuHKRbru .sh-widget-footer-MBT { display: none; } #UaGRtaQEFuHKRbru.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #UaGRtaQEFuHKRbru.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #UaGRtaQEFuHKRbru.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #UaGRtaQEFuHKRbru .sh-widget-footer-QS { display: none; } #UaGRtaQEFuHKRbru.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #UaGRtaQEFuHKRbru.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #UaGRtaQEFuHKRbru.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title, #UaGRtaQEFuHKRbru.customizeColorEffect .prop-name, #UaGRtaQEFuHKRbru.customizeColorEffect .prop-value, #UaGRtaQEFuHKRbru.customizeColorEffect .curDate, #UaGRtaQEFuHKRbru.customizeColorEffect span.current-date, #UaGRtaQEFuHKRbru.customizeColorEffect .disclosure-content ul li, #UaGRtaQEFuHKRbru.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #UaGRtaQEFuHKRbru.customizeColorEffect .add-text, #UaGRtaQEFuHKRbru.customizeColorEffect .see-more-text, #UaGRtaQEFuHKRbru.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #UaGRtaQEFuHKRbru.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #UaGRtaQEFuHKRbru.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #UaGRtaQEFuHKRbru.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #UaGRtaQEFuHKRbru.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #UaGRtaQEFuHKRbru.sizeone.customizeColorEffect .header-section, #UaGRtaQEFuHKRbru.customizeColorEffect .row-2 { background: #E9F0EC; } #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title { display: unset; } #UaGRtaQEFuHKRbru.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title .prod-name:hover, #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title:hover, #UaGRtaQEFuHKRbru.customizeColorEffect .add-text:hover, #UaGRtaQEFuHKRbru.customizeColorEffect .disclosure-contnr .text:hover, #UaGRtaQEFuHKRbru.customizeColorEffect .see-more-text:hover { color: #EB0017; } #UaGRtaQEFuHKRbru.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #UaGRtaQEFuHKRbru.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #UaGRtaQEFuHKRbru.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title { display: block; } #UaGRtaQEFuHKRbru.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #UaGRtaQEFuHKRbru.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #UaGRtaQEFuHKRbru .sh-right-arrow { display: none; } #UaGRtaQEFuHKRbru.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #UaGRtaQEFuHKRbru.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #UaGRtaQEFuHKRbru.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #UaGRtaQEFuHKRbru{position:relative;}.add-overlay-content{right: 4%;}#UaGRtaQEFuHKRbru .shmktpl-button span.btn__text::after{display:none;} #UaGRtaQEFuHKRbru .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #UaGRtaQEFuHKRbru .shmktpl-button:hover{background:#0E86DE;} #UaGRtaQEFuHKRbru .add-text:hover {color:#0E86DE;} #UaGRtaQEFuHKRbru .listing-title .prod-name:hover{color:#0E86DE;} #UaGRtaQEFuHKRbru .disclosure-contnr .text:hover{color:#0E86DE;} #UaGRtaQEFuHKRbru .see-more-text{width:68px} #UaGRtaQEFuHKRbru .see-more-text:hover{color:#0E86DE;} #UaGRtaQEFuHKRbru .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }How to invest in silver Investing in silver can take many different forms. You can choose to collect physical silver, or you can (more commonly) invest in silver exchange-traded funds (ETFs).The latter allows you to buy shares in a fund that holds silver—meaning you won’t have to store and insure it yourself. Popular silver investment options include: Silver bullion.Sold as bars or rounds, you can purchase these by weight and purity. Silver coins.While coins and rounds may look similar, coins are government-minted currency. There are many silver coin options that tend to price higher than standard bullion, including American Silver Eagle and Silver Maple Leaf coins due to factors such as rarity and government backing. Silver jewelry.Silver crafted into jewelry prices above silver bullion of equal purity. Silver mining stocks.Purchasing stock in a company that mines silver allows you to bet on silver without owning any metals yourself. Silver investments, such as silver bullion and coins, follow the “three nines fine” rule to be traded on exchange platforms. If it’s less than 99.9% pure, it’s typically considered a collectible or industrial-grade. The best silver IRA companies can walk you through the specifics.Is it a good time to invest in silver? Silver is doing well in 2025, rising nearly 25% year-to-date. It’s currently priced higher than any time in the previous decade. Still, the answer as to whether now is a good time to invest in silver is subjective. For example, if you’re worried about increased inflation, adding precious metals to your portfolio can be a smart choice. Or, if you’re looking toward an impending surge in silver demand (perhaps from increasing popularity in green initiatives that require silver, such as solar equipment) that could drive up value, buying silver might make sense. Current precious metals prices as of 8:15 a.m. ET on December 1, 2025 Precious metal Price per ounceGold$4,256.65Silver$57.59Platinum$1,686.15Palladium$1,478.67GoldPrice per ounce$4,256.65SilverPrice per ounce$57.59PlatinumPrice per ounce$1,686.15PalladiumPrice per ounce$1,478.67Gold, platinum, and palladium are also investor favorites. Platinum and palladium typically act similarly to silver in volatility. They’ve got a smaller global market compared to gold, meaning even seemingly trifling market changes can result in big price fluctuations. Gold, meanwhile, tends to be less volatile overall than these metals.Pro tipWant to stick with gold over other precious metals? See our recommendations for the best gold IRA companies. The takeaway With the U.S. economy experiencing unique uncertainty of late, precious metals may be an investment on your radar. Silver has outpaced gold in 2025 in terms of growth, and some experts suspect a boom in the coming years that could result in silver pricing at an all-time high over again. Silver is a very accessible investment, especially compared to the price of gold. Even if you’re reluctant to hold physical coins or bars, you can choose to buy silver ETFs or silver mining stocks to ride the expert-predicted silver wave. Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Experts recommend between 10% and 15% of your portfolio to be in silver—with no more than 20% in total invested in precious metals. Can silver be held in an IRA?Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA. That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.What’s driving silver prices in 2025? Silver has been increasing in value due to a combination of scarcity and both industrial and investor demand.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
TD Bank review 2025: A full-service bank with round-the-clock customer service.
TD Bank was founded in Canada in 1855 as The Bank of Toronto. Based in Canada, it manages to crack the top 12 largest banks in the United States with over 1,100 branches along the East Coast. It has a full suite of banking services in the U.S., including lending, checking, savings, and some decent certificates of deposit (CDs). Here’s what you need to know about TD Bank. All rates and fees are current as of Nov. 21, 2025, and are subject to change.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; 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font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; 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font-weight: 600; } }TD BankTD BankChecking accounts$0 minimum to open an accountSavings accountsUp to 3.00% APYCD ratesUp to 3.70% APYView offerat MoneyLionCompany insightsYear Founded: 1955Company Headquarters: Cherry Hill, NJCEO: Leo SalomFortune Rankings#47on Fortune’s 2024 Best Large Workplaces in Fiancial Services and Insurance list#48on Fortune’s 2023 America’s Most Innovative Companies listN/APros1,100+ branches along the East CoastLots of account options to choose from24/7 customer serviceConsMaintenance fees (often avoidable with qualifying activity) High-yield savings account requires a high minimum balanceBanking products not available in all 50 statesWho is TD Bank good for?TD Bank is best for those who want access to in-person banking and live near a TD Bank branch—again, concentrated on the East Coast, from Maine to Florida. It’s also good for those who frequently travel from Canada to the U.S., as it has cross-border services that make this comparatively easy. The checking and savings accounts have monthly fees, but we think the requirements to get them waived are reasonable for most. Who shouldn’t use TD Bank? If you are looking to earn a high APY with your checking or savings accounts, TD Bank is far from the best option. The interest rates on most accounts are significantly lower than what you can find at many other financial institutions. TD Bank is also not great for those who don’t want the hassle of working to jump through monthly hoops (albeit quite easy) to avoid maintenance fees. If that’s you, consider the institutions we highlight for the best free checking accounts instead. TD Bank rates and productsTD Bank has three checking accounts, two savings accounts, and several CD options to choose from. TD Bank productAPYChecking accountsUp to 0.01% APYSavings accountsUp to 3.00% APYCDsUp to 3.70% APYChecking accountsAPYUp to 0.01% APYSavings accountsAPYUp to 3.00% APYCDsAPYUp to 3.70% APYBank details checked Nov. 21, 2025.Checking accountsTD Bank offers three checking account options. While TD doesn’t feature any free checking accounts, the fees can be easily skirted in most cases with some simple monthly activities.TD Checking accountsAccount opening bonusUp to $300 with qualifying activities. Terms apply. Offer valid through Oct. 31, 2025.Minimum opening deposit$0Monthly fees$4.95 –$25 (avoidable)Top APY0.01%ATM fees Up to $3TD Complete CheckingMinimum opening deposit:$0 Monthly fee:$15 , waived by having at least one of the following: $500+ in direct deposits within a statement cycle $500 minimum daily balance $5,000 across all linked TD personal deposit accounts Be aged 17 to 23 APY:N/A Overdraft protection:With linked savings account ATM fees:$3 for transfers and withdrawals at a non-TD ATM (waived for ages 17 to 23) Overdraft fee:$35 Stop payment request fee:$30 Cashier’s check fee:$8 Other perks:Grace period on overdraftsEarly direct depositTD Beyond CheckingMinimum opening deposit:$0Monthly fee:$25 , waived by having at least one of the following: $5,000+ in direct deposits within a statement cycle $2,500 minimum daily balance $25,000 across qualifying linked TD accounts APY:0.01% Overdraft protection:With linked savings account. Also benefits from overdraft payback (automatically reverses first two overdraft fees in a calendar year)ATM fees:$0 (reimbursed for surcharges incurred by the out-of-network ATM when maintaining a balance of $2,500+) Overdraft fee:$35Stop payment request fee:$0Cashier’s check fee:$8Other perks:Rate discount on home equity loans Early direct deposit TD Essential BankingMinimum opening deposit:$0Monthly fee:$4.95 (waived for those aged 13 to 17) APY:N/A Overdraft protection:N/A ATM fees:$3 for transfers and withdrawals at a non-TD ATM (waived for ages 17 to 23) Overdraft fee:$0Stop payment request fee:$0Cashier’s check fee:$8Other unique perks:Early direct deposit Bank details checked Nov. 21, 2025.#qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; 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left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Savings accountsTD Bank offers two savings accounts, both with monthly fees that can be waived with qualifying activities. The interest rates earned on these accounts are largely unimpressive—but the Signature Savings account does offer up to 3.00% APY for relationship accounts of $100,000+. Check out our picks for the best high-yield savings accounts if earning interest is a priority for you. TD Savings accountsMinimum opening deposit$0Monthly fees$5 –$15Top APY3.00%TD Simple SavingsPerks:Free automatic transfers Enroll in overdraft protection for a TD checking account Minimum opening deposit:$0Monthly fee:$5 , waived by any of the following: Minimum daily balance of $300+ Linked eligible TD Beyond or TD Complete Checking account Being under 18 or 62+ years old APY:0.02% TD Signature SavingsPerks:Non-TD ATM fees waived when you maintain a balance of $2,500+ Improved APY when you link an eligible TD account Free incoming wire transfers, cashier’s checks, money orders, and stop payments Minimum opening deposit:$0Monthly fee:$15 , waived if you do at least one of the following: Maintain a daily balance of $10,000+ Link your account to an eligible TD Beyond or TD Complete Checking account APY:0.01%–3.00% (depending on your account balance) Bank details checked Nov. 21, 2025.Certificates of depositTD Bank offers a variety of CDs with terms ranging between three months and five years. Interest rates vary by term length and whether you have other accounts with TD (you’ll earn a higher rate if you have a relationship with the bank, in most cases). TD’s “Choice CD Rates” are the most generous, offering up to 4.00% APY as of this writing. You can also open “Step Rate” CDs, which come with APY that increases incrementally throughout your term, and “No Catch” CDs that allow you to access your money one time before your account matures without sustaining early withdrawal penalties. TD also issues IRA CDs, with similar terms and varying return rates.TD Promotional CDsMinimum opening deposit$250Available term lengths3, 6, 9, 10, 12, 18, 24, 36, 60 monthsTop APY3.70%Early withdrawal penalty– Terms up to 89 days: All interest earned – Terms between 90 and under 1 year: 3 months’ interest – Terms between 1 year but less than 2 years: 6 months’ interest – Terms between 2 years but less than 3 years: 9 months’ interest – Terms between 3 years but less than 4 years: 12 months’ interest – Terms between 4 years but less than 5 years: 18 months’ interest – Terms of 5 years or more: 24 months’ interestTD Bank Choice CD rates CD TermAPY3 months3.70%6 months3.51%9 months2.00%10 months2.00%12 months3.00%18 months2.75%24 months2.50%36 months2.00%60 months2.00%3 monthsAPY3.70%6 monthsAPY3.51%9 monthsAPY2.00%10 monthsAPY2.00%12 monthsAPY3.00%18 monthsAPY2.75%24 monthsAPY2.50%36 monthsAPY2.00%60 monthsAPY2.00%Bank details checked Nov. 21, 2025.TD No-Catch CDsMinimum opening deposit$250Available term lengths6, 12 months Top APY0.05%Early withdrawal penaltyNone for the first withdrawalTD No-Catch CD ratesCD TermAPY6 months0.05%12 months0.05%6 monthsAPY0.05%12 monthsAPY0.05%Bank details checked Nov. 21, 2025.TD Step Rate CDsMinimum opening deposit$250Available term lengths3, 5 yearsAPYUp to 0.15% averageEarly withdrawal penalty– Terms up to 89 days: All interest earned – Terms between 90 and under 1 year: 3 months’ interest – Terms between 1 year but less than 2 years: 6 months’ interest – Terms between 2 years but less than 3 years: 9 months’ interest – Terms between 3 years but less than 4 years: 12 months’ interest – Terms between 4 years but less than 5 years: 18 months’ interest – Terms of 5 years or more: 24 months’ interestTD Step Rate CD rates CD TermAPY3 years– Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15%5 years– Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15% – Year 4: 0.20% – Year 5: 0.25%3 yearsAPY– Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15%5 yearsAPY– Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15% – Year 4: 0.20% – Year 5: 0.25%Bank details checked Nov. 21, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight 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.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.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.READ BANK REVIEW12345...160Other services TD Bank offersAs a full-service bank, TD also offers several other products, including: Credit cards:TD offers multiple credit cards for both personal and business purposes. Whether you want to earn cash back, take advantage of a low intro APR period, or build credit, there’s probably a card suited to your goals. Home lending:TD offers both mortgages and home equity lines of credit. Personal loans:You may be able to get a personal loan of up to $50,000 with repayment terms between three and five years. Small business accounts:TD offers several accounts and services for small businesses, including checking, savings, and loans. Online banking You can access your account via TD Bank’s website or mobile app. Once enrolled, you can log in for services such as Zelle and bill pay. You can also check your balance and transactions, view statements, and communicate securely with customer service. The TD Bank platform and customer supportYou can contact TD Bank in a variety of ways. General customer service is available 24/7 by phone at 888-751-9000. TD also has a few self-help options, including a help center with articles, an AI chatbot, and a special QR code via the TD app that will put you in touch with an agent. The TD app is available for both Apple and Android and has similar features to the website. You can also use mobile deposit and receive real-time notifications on your phone. Is TD Bank secure?TD Bank uses up-to-date methods to protect your personal information, including firewalls, constant system monitoring, and employee security training. It also uses two-step verification for passwords, security alerts, and an optional feature called “VoicePrint.” VoicePrint records your voice and creates a digital signature that works in the background to verify your voice if you call customer service. TD Bank user reviewsOnline reviews of financial institutions often lean (heavily) negative. That’s because customers tend to write reviews out of frustration. It’s not often that a perfectly successful experience motivates someone to run to the computer and write a review. With that in mind, online customer reviews are poor, earning only 1.5 stars on Trustpilot from more than 2,700 reviews. The majority of complaints are with the in-person customer service, saying that reviewers felt tellers they dealt with in-branch were unhelpful or unfriendly. Reddit reviews have a slightly rosier outlook on TD, with many users expressing satisfaction with competitive rates, excellent fraud detection, and a simple mortgage process. Compare TD Bank alternativesTwo household names that are well worth considering are Capital One and Discover, as long as you’re comfortable doing the bulk of your banking online. Note, Capital One acquired Discover in 2025, but the two brands maintain distinct products as of this writing. TD BankCapital OneDiscoverTop savings APYTop savings APYTop savings APY3.00%3.50%3.40%Top checking APYTop checking APYTop checking APY0.01%0.10%Not interest bearing (but debit card that earns up to 1% back on purchases)Top CD APYTop CD APYTop CD APY3.70%4.05%3.50%View offerat MoneyLionView offerat BankrateView offerat DiscoverBank details checked Nov. 21, 2025Is TD Bank right for you?It’s key to note that TD only offers services to select East Coast states. If you live outside of eligible states, TD’s services aren’t available to you. TD Bank is probably great for someone who frequently travels between the U.S. and Canada. Its cross-border banking has several services meant to make visiting or living part-time in either country easy. And because its customer service is 24/7, TD Bank is good for those who want to know they have constant help when they need it—even on the weekends. Frequently asked questionsIs TD Bank American or Canadian?TD Bank is based in Canada but has both Canadian and U.S. accounts. The U.S. accounts are insured by the Federal Deposit Insurance Corp. (FDIC), and the Canadian accounts are insured by the Canada Deposit Insurance Corp. (CDIC).Are TD Bank and TD Ameritrade the same?TD Bank and TD Ameritrade are separate companies. Charles Schwab acquired TD Ameritrade in 2020, and Schwab now services all accounts.What is TD Bank’s customer service phone number and hours?TD Bank’s customer service phone number is 888-751-9000. Representatives are available 24/7.How do I open a TD Bank checking account online?You must live in an eligible East Coast state or district to open a TD checking account. Otherwise, you can use the bank’s website or mobile app to open a checking account.What states does TD Bank operate in?TD Bank operates in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington, DC.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
SoFi® Bank, N.A. Review 2025: Digital Banking, High Yields
Key TakeawaysSoFi® is an excellent choice for consumers seeking high-APY checking and savings accounts.Note that there’s a fairly high direct deposit requirement to earn the best APY.This bank is best for people who are comfortable with digital tools and don’t need in-person branches.SoFi is a powerhouse of the online banking industry. While SoFi does not have a wide selection of accounts, its checking and savings accounts offer very competitive annual percentage yields—making these accounts attractive options for consumers seeking to earn interest on funds that they still want to keep fairly liquid.SoFi customers also have access to a network of more than 55,000 ATMs1 nationwide and can pay bills, find ATMs, send money, make mobile deposits, and more via SoFi’s website and mobile app. Rates are current as of Dec. 3, 2025, and are subject to change. SoFi at a glanceSoFi® Checking & SavingsMember FDICTop savings APYUp to up to 3.60%*Minimum Opening Deposit$0Advertiser DisclosureView offerat SoFiCompany insightsYear Founded: 2011Company Headquarters: San Francisco, CACEO: Anthony NotoAPY DisclaimerAnnual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheetBonus DisclaimerNew and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.View offerat SoFiN/AProsNo minimum deposit requirementsNo monthly account feesCompetitive rates on deposit accountsConsDirect deposit required for highest savings APYMust open both a checking and savings account (can’t have just one or the other)Direct deposit amount must total $5,000 or more within 25 calendar days to receive max bonusWho is SoFi good for?SoFi’s savings and checking account combo is a good fit for people wanting to earn a high APY on their money. It’s rare to see a checking account APY, let alone one that beats out most savings APYs from big banks. Paired with a high savings APY, these accounts can help you maximize your money.Because the savings account requires you to get direct deposits to earn the highest APY, it’s also best for people with regular paycheck deposits. Finally, you’ll need to be comfortable with online-only banking and using ATMs to get cash, as SoFi doesn’t have in-person branches.Who shouldn’t use SoFi?If you work part-time or don’t receive direct deposit, you likely won’t be able to meet the $5,000 minimum requirement to earn the account’s highest APY. In that case, SoFi wouldn’t be a great pick as you’d only earn a 1% APY on your savings—a rate you can easily exceed at another bank.Also, SoFi lacks some other banking products. If you’re also looking to open a certificate of deposit (CD) or create a money market account (MMA), you won’t be able to do that with this bank. That’s not ideal if you want to do all of your banking with one institution. And, if you prefer traditional brick-and-mortar locations or the ability to deposit cash without a fee, SoFi is probably not the bank for you.Earn an even higher APY for a limited timeNew customers who open both a checking and saving account with SoFi, member FDIC—along with enrolling in SoFi Plus—by Jan. 31, 2026 have an opportunity to earn a 4.30% annual percentage yield (APY) on their savings. This represents a 0.70% APY boost on top the standard up to 3.60% rate. The maximum time period for the boosted APY is six months. (Terms apply. Rates are variable and subject to change.)6SoFi Plus is available at no extra cost for customers with eligible direct deposit. Otherwise, the cost of membership is $10 per month as of this writing.Benefits for Plus members include a 10% boost on cash-back rewards earned with certain SoFi credit cards, a 1% match on recurring deposits to SoFi Invest (paid in rewards points) and unlimited one-on-one planning sessions from SoFi Wealth.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub 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.READ BANK REVIEW12345...67SoFi rates and productsSoFi offers a combo checking and savings account option—you can’t get one without the other. Both of these accounts have no monthly fees or overdraft fees, helping you save even more cash. Unfortunately, these are the only two banking products it currently offers.SoFi productAPYOnline Checking Account0.50%High-Yield Savings Account1% to up to 3.60%Online Checking AccountAPY0.50%High-Yield Savings AccountAPY1% to up to 3.60%Checking accountsSoFi’s free checking account boasts no fees2, which can offer huge peace of mind. This means you won’t pay any monthly fees to keep the account open or fees if your account balance drops too low. For eligible customers who get at least $1,000 in direct deposits monthly, SoFi’s overdraft coverage will spot you up to $50 to cover a debit card transaction. It’s also free to access your money from certain ATMs. Since SoFi is part of the Allpoint network, you can access over 55,000 free ATMs across the country.SoFi also offers a checking account bonus of $50 or $300 depending on the direct deposit amount. To qualify, you’ll need to have a total of at least $5,000 in direct deposits within the first 25 days of having your account. If you only get direct deposits totaling $1,000 to $4,999.99, you’ll get a $50 bonus instead.Other perks we like about the SoFi checking account is the ability to get your paycheck up to two days early7and automatic roundups on debit card purchases that go straight into your savings. SoFi checking account featuresAccount opening bonus$50 or $300 (depending on direct deposit amount)Minimum opening deposit$0Monthly fees$0Top APY0.50%Overdraft coverageUp to $503ATM fees$0Overdraft fees$0Daily ATM withdrawal limit$2,000Daily debit card use$6,000Bank details checked Dec. 3, 2025#qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer174 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer174 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer174 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer174 .non_featured_list { background-color: transparent; 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font-weight: 600; } }Savings accountsSoFi’s top APY of 3.80% makes it a competitive option for a high-yield savings account. That’s typically a rate you’d see for a CD, where you’d have to lock away your money for several months or years—not a liquid account with unlimited withdrawals and deposits. But it’s worth stressing that not everyone gets the 3.80% rate. You’ll need a fair amount of direct deposits each month to qualify. Each new member will have a 30-day period to receive at least $5,000 in qualifying direct deposits. If you’re able to do that, you’ll receive the higher APY until another 30-day evaluation period begins. If you don’t, you’ll be stuck with a low 1% APY instead.SoFi savings account featuresMinimum opening deposit$0Monthly fees$0Top APYup to 3.60%Federal Deposit Insurance Corp. (FDIC) insuranceUp to $3 millionMonthly transfer limitUnlimitedInterest depositedMonthlyVault limit20Cash deposit feeUp to $4.95 (charged by partners, not SoFi)Bank details checked Dec. 3, 2025SoFi’s savings VaultsOne feature we like about SoFi’s savings is its Vaults. These are a way to set aside money for specific goals like buying a new car or saving for an emergency fund. You set a goal amount for each Vault, and then you can move dedicated funds into it whenever you’d like. You can also turn on automatic roundups and have them sent directly into your Vaults to fast-track achieving your goals.SoFi PlusSoFi offers a premium membership option, SoFi Plus, at no extra cost to customers. All that’s needed to become a SoFi Plus member is to have eligible direct deposits each month. Members can extra rewards points, its highest APYs on its savings product, cash back rewards on the SoFi credit card, personal loan rate discounts, and financial planning.How to open SoFi checking and savings accountsOpening an account with SoFi is easy, but there are several steps involved. You have to create your login, fill out the application, and agree to the legal terms. First, SoFi will ask for your name, state, email, and a password.Next, you’ll have to decide whether you want to open an individual account or a joint account. After that, you’ll provide your primary address, your date of birth, and your Social Security number.You’ll also need to provide your citizenship status. You can choose from United States citizen, green card holder, or nonpermanent resident alien. SoFi also asks about your employment status, occupation, and annual income.To make sure you’re a real person, SoFi will then ask to verify your phone number via a text message. Enter the verification code when prompted.Finally, SoFi will ask if you’re subject to backup tax withholding by the IRS. If you’re not, you’ll be asked to review the final legal documents before agreeing and creating your account.SoFi InvestWith SoFi Invest, you can trade stocks and exchange-traded funds (ETFs) with no commissions right from the SoFi app. But what sets SoFi apart from other investment services is the ability to invest in upcoming initial public offerings (IPOs) before they go public. You can also buy fractional shares of companies to help you diversify your investments.If managing your investments on your own becomes too tricky, SoFi also offers financial planners and automated investing that take care of your portfolio for you. As a bonus, SoFi is offering (at the time of writing) up to $1,000 in free stock when you fund your account with at least $25 in the first 30 days.Other services SoFi offers SoFi offers a number of financial services for personal customers and business owners, including: Student loan refinancing:SoFi’s student loan refinancing loans offer competitive fixed rates starting at 4.49% and zero fees. Private student loans:SoFi’s private student loan offerings include Master of Business Administration (MBA) loans, law school loans, undergraduate loans, parent loans, and more. Personal loans:Consumers who are on the hunt for a personal loan can apply for a SoFi loan directly online and potentially qualify for anywhere from $5,000 to $100,000. Mortgage loans:SoFi’s mortgage loans offer low down payment options, low rates, and flexible repayment terms ranging from 10 to 30 years. Auto loan refinancing:SoFi customers can compare auto refinancing rates from a network of top lenders and submit an application without any fees or obligation. Credit cards:The SoFi credit card offers unlimited 2% cash back rewards on every purchase and no annual fee.Insurance products:SoFi offers auto, life, homeowners, and renters insurance as well as a newly added cyber insurance partnership, which offers coverage to protect yourself against incidents of identity theft, cyber extortion, and more.Estate planning:For consumers who hope to create an estate plan for their financial future can do so online thanks to SoFi’s partnership with Trust & Will. SoFi members may get 20% off select services.Financial insights:Credit monitoring services, budgeting tools, investment trackers, and more are all available on SoFi’s platform. Business financing and solutions:SoFi offers small business financing, as well as tools to help businesses better support their employees.SoFi platform and customer supportCustomers can request assistance 24/7 by reaching out to SoFi via phone, chat, and even sending general questions to the X account at @SoFiSupport. This bank offers both online and mobile banking platforms, available for download on the Apple App Store and Google Play. The app currently has an average rating of 4.8 and 4.4 on each digital storefront, respectively. Is SoFi secure?SoFi uses two-factor authentication (2FA) and biometric login to keep your online account secure. It also provides real-time alerts any time you use your debit card so you can immediately identify a fraudulent transaction. If you think something is amiss, you can freeze your account instantly in the SoFi app.Additionally, SoFi is one of the few banks to offer up to $3 million in FDIC insurance. It does this through its SoFi Insured Deposit Program, which works by depositing your money into different deposit accounts at a network of participating banks. While this sounds convoluted, it won’t take any extra effort on your part, and you can still access all of your cash through SoFi.SoFi user reviewsOn the whole, SoFi Bank customer reviews are mixed. On Trustpilot, SoFi has 4.3 stars with over 9,000 reviews, and many customers appreciate how easy it is to open an account with the bank. However, many don’t like how hard it is to deposit cash—or that the process comes with a $4.95 fee.On the popular forum site Reddit, some users shared that they suffered from account lockouts for no apparent reason, preventing them from accessing their money. They reported that when this happened, they didn’t find customer support especially helpful. On the plus side, many reviewers on Reddit liked the Vault feature and how it helps them save money.Compare SoFi alternativesSoFiAlly BankChimeSavings APYSavings APYSavings APYGet up to 3.60%4 Get a 0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply. Terms apply.3.30%Up to 3.50%Savings account monthly feeSavings account monthly feeSavings account monthly fee$0$0$0Checking APYChecking APYChecking APY0.50%Up to 0.25%0%Checking account monthly feeChecking account monthly feeChecking account monthly fee$0$0$0Learn moreLearn moreLearn moreView offerat SoFiView offerat MoneyLionView offerat ChimeBank details checked Dec. 3, 2025SoFi vs. AllyAlly is also an online-only bank with a robust savings APY of 3.30%, although that’s not quite as strong as SoFi’s top rate at the time of writing. It also comes with a free checking account that can earn up to 0.25% APY, again not quite matching SoFi’s rate. Note that the Ally savings account is capped at 10 withdrawals per month, which could be limiting for some consumers. But, Ally also offers round-the-clock customer support and there’s no direct deposit requirement to get the top rates, unlike SoFi.SoFi vs. ChimeAnother online bank that doesn’t charge monthly account fees, Chime also offers checking and savings accounts. But unlike SoFi, its checking account doesn’t earn any interest. However, it does have more robust overdraft coverage. Chime’s SpotMe coverage protects you if you overdraft by as much as $200, compared to SoFi’s lower $50 limit.SoFi beats out Chime when it comes to ATM withdrawals. That’s because SoFi doesn’t charge a fee if you go to an out-of-network ATM, but Chime will charge you $2.50 per withdrawal.See more SoFi alternatives:Quorum Federal Credit Union: Competitive APYs and various account offerings, but limited customer service hours.Rising Bank: Offers mobile and online banking and zero monthly maintenance fees but a higher minimum opening deposit.Prime Alliance Bank: A diverse mix of business and personal products, but only one physical branch.Ivy Bank: Competitive high-yield savings and CDs, but no checking accounts and steep minimum deposit requirements.Is SoFi right for you?Overall, we think SoFi works well for technology-savvy customers looking to earn a generous APY. Its online-only infrastructure means you should be comfortable with navigating apps and websites to handle your financial transactions. If that’s you, the ability to earn a high APY on both your savings and checking accounts is a huge selling point. If you’re not, you’ll probably be better off finding a bank that offers brick-and-mortar locations near you instead.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; 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font-weight: 600; } }Frequently asked questionsIs SoFi a real bank?Yes. SoFi is an FDIC-insured, nationally chartered bank. Does Zelle work with SoFi?Yes, SoFi offers the option to send and receive money via Zelle from your SoFi bank account. SoFi also has its own peer-to-peer (P2P) payment feature called Pay-a-Friend.Does SoFi have a minimum balance requirement?SoFi does not have any minimum balance requirements. What are the cons of SoFi?SoFi does not have any in-person branches you can bank at. Also, it has a hefty direct deposit requirement if you want to get the account opening bonus.What banks are partnered with SoFi?SoFi partners with many banks for its SoFi Insured Deposit Program, including Comerica, Citizens Bank, HSBC Bank USA, Sallie Mae Bank, Bell Bank, Morgan Stanley, and more.SoFi Disclaimers1.We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.2.We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.3.Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-ratesheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.4.Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet5.New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.6: 0.70% Savings APY BoostEarn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Enroll in SoFi Plus between 9/18/25 and 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/sofi-plus SoFi Bank, N.A. Member FDIC.7:Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Earn up to 4.20% APY with the best CD rates available Nov. 26, 2025
You’ve still got time to earn solid returns in a certificate of deposit, but don’t delay. The Federal Reserve cut interest rates three times in 2024, and made two long-awaited cuts in 2025 at its September and October meetings, which means average CD yields are well off their past record highs.Currently, the best CD rates offer up to 4.20% annual percentage yield. If you fund a certificate of deposit today, you could lock in a higher rate for years, depending on what term length best fits your financial objectives.#qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; 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font-weight: 600; } }Best CD rates Nov. 26, 2025: Earn up to 4.20%The highest CD rate of 4.20% is offered by Newtek Bank on its six-month CD.Fortunepartners with Curinos to monitor the top rates offered by leading U.S. financial institutions—helping readers obtain the best returns for their CD investments. Here are the highest CD rates on the market:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with some or all of the institutions on the list above, that’s no accident. Big banks—Chase, PNC, and U.S. Bank, for example—are more focused on products like loans and credit cards rather than certificates of deposit. Consequently, they tend to offer CD rates that can suffer in comparison to smaller regional institutions or online banks.CD rates news 2025CD investors should understand that market rates are closely tied to Federal Reserve policy decisions, more specifically changes to the fed funds rate. Staying informed about fed interest rate policy is vital for anyone investing in certificates of deposit.The Fed cut rates three times in 2024, with the final rate reduction in December fixing fed funds at 4.25%-4.50%. The central bank cut rates to support the economy as inflation finally began to subside after its pandemic surge. As a consequence, CD rates came off their recent highs.At its Sept. 16-17, 2025 meeting, the Fed initiated the first rate cut of the year, and followed up with another cut when it met Oct. 28-29. Now, the federal funds rate stands at 3.75%-4.00%. Some CD offerings dipped around the time these cuts rolled out.There’s one more Fed meeting on the calendar this year, with the next one set for Dec. 9-10. CD rates could well dip further if banks anticipate the Fed will enact another cut.The strong average CD yields of 2022 and 2023 were a direct result of the Fed’s post-pandemic rate hike campaign. From March 2022 through July 2023, the FOMC hiked interest rates eleven times, taking fed funds from zero to 5.25%-5.50%. The central bank took action as inflation grew at higher rates than at any time since the 1980s.Remember, current CD rates aren’t far off their recent highs. Investors have an opportunity to secure attractive rates on both short-term and long-term certificates. By placing a larger lump sum into your CD account, you can earn substantial interest.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical CD ratesIn the early 1980s, CD rates surged into double digits, starkly contrasting with today’s lower rates. By 2019, however, the APY for a 5-year CD had slightly exceeded 3.00%.Throughout the early 2020s, top rates typically remained below 1.00% APY. In recent years, rates saw a significant increase, with the best offerings surpassing 5.00% APY in 2024. In 2025, however, we’ve seen many rates just under or just above the 4.00% mark.How to get a good CD rateDetermining what constitutes a good CD rate involves striking a balance between the highest rate available and your willingness to lock your money up for a specified term. For instance, investing a large sum in a five-year CD yielding 5.00% may not be a good choice if you need the money sooner or if you believe interest rates could start rising again. But generally speaking, rates that exceed the national average are considered worthwhile. Key factors to consider when comparing CDs include:Term length:Ensure it aligns with your savings goals and timeline.APY:Higher rates typically are offered for longer terms.Minimum deposit:Make sure you can meet the required initial balance.Penalties:Understand the costs associated with withdrawing funds before maturity.Deposit insurance:Verify that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)-insured for deposit protection.Note that online banks typically offer better CD yields—just be mindful of any minimum balance requirements and associated fees. Choosing a bank over a broker can sometimes help avoid unnecessary fees.Look into offerings from online banksOnline banks and fintech companies generally offer more competitive rates than big national banks. Large financial institutions primarily earn revenue from interest on loans, fees, and investments in securities.In contrast, smaller banks and online fintech companies attract customers with competitive APYs on deposit accounts. Moreover, online banks typically operate with lower overhead costs, allowing them to pass better rates on to their clients.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight 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.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.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.READ BANK REVIEW12345...160Set up a CD ladderCD ladders are perfect for savers who are hesitant to commit funds for extended periods of time. By diversifying savings across CDs with different maturity dates, you can benefit from both short-term accessibility and higher long-term interest rates.For instance, say you invest $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD matures, you can reinvest the funds into a new 3-year CD. This approach allows annual access to your money along with the accrued interest.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.