{"id":45182,"date":"2023-01-22T11:17:48","date_gmt":"2023-01-22T11:17:48","guid":{"rendered":"http:\/\/www.brandon.ddtest.info\/multisite-test\/best-high-interest-savings-accounts-and-highest-cd-rates-available-for-january-22-2023\/"},"modified":"2023-01-22T11:17:48","modified_gmt":"2023-01-22T11:17:48","slug":"best-high-interest-savings-accounts-and-highest-cd-rates-available-for-january-22-2023","status":"publish","type":"post","link":"http:\/\/www.brandon.ddtest.info\/multisite-test\/best-high-interest-savings-accounts-and-highest-cd-rates-available-for-january-22-2023\/","title":{"rendered":"Best High-Interest Savings Accounts and Highest CD Rates Available for January 22, 2023"},"content":{"rendered":"

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Insider’s experts choose the best products and services to help make smart decisions with your money (here\u2019s how<\/a>). In some cases, we receive a commission from our partners<\/a>, however, our opinions are our own. Terms apply to offers listed on this page.<\/p>\n

The average interest rate<\/a> paid by a savings account right now is 0.33% Annual Percentage Yield (APY), according to the FDIC.<\/p>\n

Today, the best online institution for earning a competitive interest rate on a high-yield savings account is MySavingsDirect, which pays 4.35% APY on a MySavingsDirect Savings Account<\/a>. National brick-and-mortar banks generally pay lower interest rates than online banks. For example, Wells Fargo pays 0.15% APY on the Wells Fargo Way2Save\u00ae Savings Account<\/a>.<\/p>\n

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CIT Bank 13 Month Term Certificate of Deposit<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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\n Annual Percentage Yield (APY)
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\n 4.65%\n <\/p>\n<\/p><\/div>\n

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\n Minimum Deposit Amount
\n <\/span>\n <\/p>\n

\n $1,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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CIT Bank 13 Month Term Certificate of Deposit<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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\n Annual Percentage Yield (APY)
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\n 4.65%\n <\/p>\n<\/p><\/div>\n

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\n Minimum Deposit Amount
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\n $1,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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Details<\/h4>\n<\/p>\n
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\n Annual Percentage Yield (APY)
\n <\/span>\n <\/p>\n

\n 4.65%\n <\/p>\n<\/p><\/div>\n

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\n Minimum Deposit Amount
\n <\/span>\n <\/p>\n

\n $1,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n

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Pros & Cons<\/h4>\n

\n Chevron icon<\/title>\n It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n\n <\/svg> <\/div>\n<\/p><\/div>\n
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Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">–<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">–<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"63b87e38f8ab1f0011eb31ae\" data-analytics-product-brand=\"CIT Bank\" data-analytics-product-name=\"CIT Bank 13 Month Term Certificate of Deposit\" data-analytics-product-index=\"4\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-additional-reading\" data-analytics-product-id=\"63b87e38f8ab1f0011eb31ae\" data-analytics-product-brand=\"CIT Bank\" data-analytics-product-name=\"CIT Bank 13 Month Term Certificate of Deposit\" data-analytics-product-index=\"4\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"additional_reading\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Additional Reading<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"additional-reading\">\n<p> <a class=\"not-content-link headline-bold read-our-review-text\" target=\"_blank\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/cit-bank-review\" data-analytics-product-id=\"63b87e38f8ab1f0011eb31ae\" data-analytics-product-brand=\"CIT Bank\" data-analytics-product-name=\"CIT Bank 13 Month Term Certificate of Deposit\" data-analytics-product-index=\"4\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"read_our_review\" rel=\"noopener\"><\/p>\n<div class=\"financial-product-card-v2__row\">\n<p>\n Read our review\n <\/p>\n<div class=\"financial-product-card-v2__column\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon arrow-right-long-icon read-our-review-icon\" role=\"img\" viewbox=\"0 0 54.7 11\">\n <title>Read Our Review<\/title>\n <desc>A looong arrow, pointing right<\/desc>\n <path d=\"M54.2 5L41.1.1c-.1-.1-.2-.1-.3-.1-.5 0-.8.3-.8.6V4H1.4C.6 4.1 0 4.7 0 5.5S.7 7 1.5 7H40v3.4c0 .1 0 .2.1.3.2.3.7.4 1 .3l13.1-5c.2-.1.3-.1.3-.3.3-.2.1-.6-.3-.7z\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<p> <\/a>\n <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>We’ve been checking over two dozen financial institutions to keep up with their new rate offerings. <a href=\"https:\/\/www.businessinsider.com\/personal-finance\/what-are-the-best-savings-accounts-right-now\" rel=\"noopener\" data-analytics-module=\"body_link\">Our best savings accounts guide<\/a> and <a href=\"https:\/\/www.businessinsider.com\/personal-finance\/best-high-yield-savings-accounts-rates-right-now\" rel=\"noopener\" data-analytics-module=\"body_link\">best high-yield savings account guide<\/a> can also be great starting points in your research \u2014 but if you prioritize finding the highest rates above all else, this list is for you.<\/p>\n<p>Below, you’ll find some of the best high-interest savings accounts, CDs, high-yield checking accounts, and money market accounts available. Our top picks have remained the same over the last couple of days because rates haven’t changed significantly.<\/p>\n<div class=\"click-table\" data-component-type=\"click-table\" data-root-margin=\"0px 0px 100% 0px\" data-count=\"14\">\n<p>Best interest-earning bank accounts: January 22, 2023<\/p>\n<div class=\"click-table-inner\">\n<div class=\"click-table-slider glide\">\n<div class=\"click-table-slider__track-container\" data-count=\"14\">\n<div class=\"click-table-slider__controls\">\n<div class=\"click-table-slider__control click-table-slider__control--left\" data-direction=\"-1\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#6D787A\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<div class=\"click-table-slider__control click-table-slider__control--right click-table-slider__control--active\" data-direction=\"1\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#6D787A\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info-container\">\n<div class=\"click-table-info click-table-info--active\" data-index=\"0\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"0\" data-order=\"1\" data-analytics-product-id=\"61420d66494524001874af74\" data-analytics-product-name=\"MySavingsDirect Savings Account\" data-analytics-product-index=\"0\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"MySavingsDirect\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Open an account with at least $1<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info \" data-index=\"1\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"1\" data-order=\"1\" data-analytics-product-id=\"61421141494524001874af97\" data-analytics-product-name=\"UFB Best Savings\" data-analytics-product-index=\"1\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"UFB Direct\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Make an initial deposit of any amount; if you’re a current customer you may need to call to get upgraded to the newest rate<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info \" data-index=\"2\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"2\" data-order=\"1\" data-analytics-product-id=\"5f74c4cb1e1b3576ae64cbcc\" data-analytics-product-name=\"Popular Direct High-Rise Savings\" data-analytics-product-index=\"2\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"Popular Direct\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Open an account with at least $5,000<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info \" data-index=\"3\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"3\" data-order=\"1\" data-analytics-product-id=\"5f73b51c1ad83a02423f90e2\" data-analytics-product-name=\"Popular Direct CD\" data-analytics-product-index=\"3\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"Popular Direct\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Maintain at least $10,000 in an account for the entire term<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info \" data-index=\"4\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"4\" data-order=\"1\" data-analytics-product-id=\"6142217113cd0400189df4bb\" data-analytics-product-name=\"CFG Bank CD\" data-analytics-product-index=\"4\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"CFG Bank\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Maintain at least $500 in an account for the entire term<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info \" data-index=\"5\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"5\" data-order=\"1\" data-analytics-product-id=\"5ebdbb5af34d05288b23a5cd\" data-analytics-product-name=\"CIT Bank Term Certificate of Deposit (CD)\" data-analytics-product-index=\"5\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"CIT Bank\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Maintain at least $1,000 for an entire term<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info \" data-index=\"6\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"6\" data-order=\"1\" data-analytics-product-id=\"5f20327c4dca68666241f650\" data-analytics-product-name=\"Signature Federal Credit Union Certificate\" data-analytics-product-index=\"6\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"Signature Federal Credit Union\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Maintain at least $500 in an account for the entire term<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info \" data-index=\"7\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"7\" data-order=\"1\" data-analytics-product-id=\"6345f74b63de01001849676f\" data-analytics-product-name=\"Quorum Federal Credit Union Term Savings\" data-analytics-product-index=\"7\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"Quorum Federal Credit Union\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Deposit at least $100,000 to earn a higher interest rate on a term account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info \" data-index=\"8\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"8\" data-order=\"1\" data-analytics-product-id=\"5eeb7e6d4dca6871fb0cd5de\" data-analytics-product-name=\"Pentagon Federal Credit Union Money Market Certificate\" data-analytics-product-index=\"8\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"Pentagon Federal Credit Union\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Maintain at least $1,000 for an entire term<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info \" data-index=\"9\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"9\" data-order=\"1\" data-analytics-product-id=\"5ee3a8df1918242ebc45804d\" data-analytics-product-name=\"Consumers Credit Union Free Rewards Checking Account\" data-analytics-product-index=\"9\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"Consumers Credit Union\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Earn 5.00% APY on the first $10,000 in your account when you sign up to receive online bank statements, make 12 monthly debit card purchases, receive $500 in monthly direct deposits, mobile check deposits, or transfers from other banks, AND spend $1,000 per month with your Consumers Credit Card<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info \" data-index=\"10\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"10\" data-order=\"1\" data-analytics-product-id=\"604648db1e14000011d91033\" data-analytics-product-name=\"Juno Metal Checking Account\" data-analytics-product-index=\"10\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"Juno\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Earn 5% APY on the first $10,000 in your account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"10\" data-order=\"2\" data-analytics-product-id=\"604648db1e14000011d91033\" data-analytics-product-name=\"Juno Metal Checking Account\" data-analytics-product-index=\"10\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"annualPercentageYieldApyDisplay\" data-analytics-product-brand=\"Juno\">\n<div class=\"click-table-dropdown_wrap\">\n<div class=\"click-table-dropdown_content headline-regular\">\n 3.00% to 5.00% (depending on deposit amount)<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info \" data-index=\"11\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"11\" data-order=\"1\" data-analytics-product-id=\"6142105813cd0400189df481\" data-analytics-product-name=\"Personal Capital Cash Account\" data-analytics-product-index=\"11\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"Personal Capital\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Earn 3.90% APY if you’re a Personal Capital Advisory client<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info \" data-index=\"12\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"12\" data-order=\"0\" data-analytics-product-id=\"6142497013cd0400189df577\" data-analytics-product-name=\"UFB Best Money Market Account\" data-analytics-product-index=\"12\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText1\" data-analytics-product-brand=\"UFB Direct\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Best for money market accounts<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"12\" data-order=\"1\" data-analytics-product-id=\"6142497013cd0400189df577\" data-analytics-product-name=\"UFB Best Money Market Account\" data-analytics-product-index=\"12\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"UFB Direct\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Maintain at least $1,000 in your account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info \" data-index=\"13\">\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"13\" data-order=\"0\" data-analytics-product-id=\"62ea976a66444c0012037aeb\" data-analytics-product-name=\"Vio Bank Cornerstone Money Market Savings Account\" data-analytics-product-index=\"13\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText1\" data-analytics-product-brand=\"Vio Bank\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Best for money market accounts<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-info__section\">\n<div class=\"click-table-dropdown\" data-parent-index=\"13\" data-order=\"1\" data-analytics-product-id=\"62ea976a66444c0012037aeb\" data-analytics-product-name=\"Vio Bank Cornerstone Money Market Savings Account\" data-analytics-product-index=\"13\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"customText2\" data-analytics-product-brand=\"Vio Bank\">\n<div class=\"click-table-dropdown_wrap\">\n<p>\n Open an account with at least $100\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"click-table-actions\">\n<div class=\"click-table-cta \">\n <a class=\"headline-bold click-table-cta__button not-content-link\" target=\"_blank\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/signature-federal-cd-bridge\" data-analytics-product-id=\"5f20327c4dca68666241f650\" data-analytics-product-name=\"Signature Federal Credit Union Certificate\" data-analytics-product-index=\"6\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"button\" data-analytics-product-brand=\"Signature Federal Credit Union\" rel=\"noopener\"><br \/>\n Learn more<br \/>\n <\/a><\/p>\n<p>\n <span class=\"click-table-cta__hint headline-regular\"><br \/>\n On Signature Federal Credit Union’s website<br \/>\n <\/span><\/p>\n<\/p><\/div>\n<div class=\"click-table-cta \">\n <a class=\"headline-bold click-table-cta__button not-content-link\" target=\"_blank\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/quorum-federal-credit-union-cd-bridge\" data-analytics-product-id=\"6345f74b63de01001849676f\" data-analytics-product-name=\"Quorum Federal Credit Union Term Savings\" data-analytics-product-index=\"7\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"button\" data-analytics-product-brand=\"Quorum Federal Credit Union\" rel=\"noopener\"><br \/>\n Learn more<br \/>\n <\/a><\/p>\n<p>\n <span class=\"click-table-cta__hint headline-regular\"><br \/>\n On Quorum Federal Credit Union’s website<br \/>\n <\/span><\/p>\n<\/p><\/div>\n<div class=\"click-table-cta \">\n <a class=\"headline-bold click-table-cta__button not-content-link\" target=\"_blank\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/penfed-cd-bridge\" data-analytics-product-id=\"5eeb7e6d4dca6871fb0cd5de\" data-analytics-product-name=\"Pentagon Federal Credit Union Money Market Certificate\" data-analytics-product-index=\"8\" data-analytics-product-module=\"pfi-click-table\" data-analytics-product-area=\"button\" data-analytics-product-brand=\"Pentagon Federal Credit Union\" rel=\"noopener\"><br \/>\n Learn more<br \/>\n <\/a><\/p>\n<p>\n <span class=\"click-table-cta__hint headline-regular\"><br \/>\n On Pentagon Federal Credit Union’s website<br \/>\n <\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<h2 id=\"best-interest-rates-for-savings\" data-toc-label=\"Best interest rates for savings\" class=\"toc-anchor\">Best interest rates for savings accounts<\/h2>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"61420d66494524001874af74\" data-analytics-product-brand=\"MySavingsDirect\" data-analytics-product-name=\"MySavingsDirect Savings Account\" href=\"https:\/\/affiliate.insider.com\/?u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsidersv%2Fsavings%3Fbridge_partner%3Dmysavingsdirect&amazonTrackingID=biauto-60817-20&site=bi&postID=63cab048930554523a48da26&platform=browser&sc=false&disabled=false\">MySavingsDirect Savings Account<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"61420d66494524001874af74-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/61420d522db0850019a98d6e?width=400\" alt=\"MySavingsDirect MySavingsDirect Savings Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/61420d522db0850019a98d6e?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section justify-content-center\">\n<p>MySavingsDirect Savings Account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.35%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $1\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"61420d66494524001874af74-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/61420d522db0850019a98d6e?width=400\" alt=\"MySavingsDirect MySavingsDirect Savings Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/61420d522db0850019a98d6e?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section\">\n<p>MySavingsDirect Savings Account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.35%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $1\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__right-column justify-content-center\">\n<p>\n <span class=\"regular-text text-center subtext-card\">On MySavingsDirect’s website<\/span>\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"61420d66494524001874af74\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"61420d66494524001874af74-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/61420d522db0850019a98d6e?width=400\" alt=\"MySavingsDirect MySavingsDirect Savings Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/61420d522db0850019a98d6e?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"modal-buttons-section\">\n<p>\n <span class=\"regular-text subtext-modal\">On MySavingsDirect’s website<\/span>\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.35%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $1\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"61420d66494524001874af74\" data-analytics-product-brand=\"MySavingsDirect\" data-analytics-product-name=\"MySavingsDirect Savings Account\" data-analytics-product-index=\"10\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">High interest rate<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Low minimum opening deposit<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No monthly service fees<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Limited access to your account<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"61420d66494524001874af74\" data-analytics-product-brand=\"MySavingsDirect\" data-analytics-product-name=\"MySavingsDirect Savings Account\" data-analytics-product-index=\"10\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Interest compounded daily and deposited monthly<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Member FDIC<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out:<\/strong> MySavingsDirect is an online division of Emigrant Bank. The <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"61420d66494524001874af74\" data-analytics-product-brand=\"MySavingsDirect\" data-analytics-product-name=\"MySavingsDirect Savings Account\" href=\"https:\/\/affiliate.insider.com\/?u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsidersv%2Fsavings%3Fbridge_partner%3Dmysavingsdirect&amazonTrackingID=biauto-60817-20&site=bi&postID=63cab048930554523a48da26&platform=browser&sc=false&disabled=false\" data-analytics-module=\"body_link\">MySavingsDirect Savings Account<\/a> might be worth considering if your priority is finding an online-only savings account.\u00a0<\/p>\n<p><strong>Savings rate:<\/strong> 4.35% APY<\/p>\n<p><strong>What to look out for: <\/strong>The <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"61420d66494524001874af74\" data-analytics-product-brand=\"MySavingsDirect\" data-analytics-product-name=\"MySavingsDirect Savings Account\" href=\"https:\/\/affiliate.insider.com\/?u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsidersv%2Fsavings%3Fbridge_partner%3Dmysavingsdirect&amazonTrackingID=biauto-60817-20&site=bi&postID=63cab048930554523a48da26&platform=browser&sc=false&disabled=false\" data-analytics-module=\"body_link\">MySavingsDirect Savings Account<\/a> offers limited access to your money. If you need to make a withdrawal from your account, you’ll have to transfer money to an external bank account, which could take a few business days.<\/p>\n<p>Other online banks may have ATM or debit cards which permit direct access to money in a savings account.\u00a0<\/p>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"61421141494524001874af97\" data-analytics-product-brand=\"UFB Direct\" data-analytics-product-name=\"UFB Best Savings\" href=\"https:\/\/affiliate.insider.com\/?u=https%3A%2F%2Fclick.linksynergy.com%2Ffs-bin%2Fclick%3Fid%3Doy9GXV3IvUc%26offerid%3D1099945.8%26type%3D3%26subid%3D0&amazonTrackingID=biauto-60817-20&site=bi&postID=63cab048930554523a48da26&platform=browser&sc=false&disabled=false\">UFB Best Savings<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"61421141494524001874af97-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/614210d62db0850019a98edc?width=400\" alt=\"UFB Direct UFB Best Savings\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/614210d62db0850019a98edc?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.21% (as of 01\/18\/2023)\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $0\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"61421141494524001874af97-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/614210d62db0850019a98edc?width=400\" alt=\"UFB Direct UFB Best Savings\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/614210d62db0850019a98edc?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.21% (as of 01\/18\/2023)\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $0\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"61421141494524001874af97\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"61421141494524001874af97-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/614210d62db0850019a98edc?width=400\" alt=\"UFB Direct UFB Best Savings\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/614210d62db0850019a98edc?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.21% (as of 01\/18\/2023)\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $0\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"61421141494524001874af97\" data-analytics-product-brand=\"UFB Direct\" data-analytics-product-name=\"UFB Best Savings\" data-analytics-product-index=\"16\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">High interest rate<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No monthly service fee<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No minimum opening deposit<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">ATM card included<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">May not be easy to deposit cash (Only cash accepting ATMs)<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"61421141494524001874af97\" data-analytics-product-brand=\"UFB Direct\" data-analytics-product-name=\"UFB Best Savings\" data-analytics-product-index=\"16\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Earn up to 4.21% APY*.<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">No monthly maintenance fees.<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">No minimum deposit required to open an account.<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Access your funds 24\/7 with easy-to-use digital banking tools.<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">FDIC insured through Axos Bank<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">* The Annual Percentage Yield (APY) is accurate as of 01\/18\/2023. The interest rate and corresponding APY for savings is variable and is set at UFB’s discretion. This is a tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-additional-reading\" data-analytics-product-id=\"61421141494524001874af97\" data-analytics-product-brand=\"UFB Direct\" data-analytics-product-name=\"UFB Best Savings\" data-analytics-product-index=\"16\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"additional_reading\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Additional Reading<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"additional-reading\">\n<p> <a class=\"not-content-link headline-bold read-our-review-text\" target=\"_blank\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/ufb-direct-banking-review\" data-analytics-product-id=\"61421141494524001874af97\" data-analytics-product-brand=\"UFB Direct\" data-analytics-product-name=\"UFB Best Savings\" data-analytics-product-index=\"16\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"read_our_review\" rel=\"noopener\"><\/p>\n<div class=\"financial-product-card-v2__row\">\n<p>\n Read our review\n <\/p>\n<div class=\"financial-product-card-v2__column\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon arrow-right-long-icon read-our-review-icon\" role=\"img\" viewbox=\"0 0 54.7 11\">\n <title>Read Our Review<\/title>\n <desc>A looong arrow, pointing right<\/desc>\n <path d=\"M54.2 5L41.1.1c-.1-.1-.2-.1-.3-.1-.5 0-.8.3-.8.6V4H1.4C.6 4.1 0 4.7 0 5.5S.7 7 1.5 7H40v3.4c0 .1 0 .2.1.3.2.3.7.4 1 .3l13.1-5c.2-.1.3-.1.3-.3.3-.2.1-.6-.3-.7z\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<p> <\/a>\n <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out: <\/strong>UFB Direct is an online division of\u00a0<a href=\"https:\/\/www.businessinsider.com\/personal-finance\/axos-bank-review\" rel=\"noopener\" data-analytics-module=\"body_link\" data-analytics-post-depth=\"60\" data-uri=\"a99b08aeb1172b0571d07f043266fe1a\">Axos Bank<\/a>. <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"61421141494524001874af97\" data-analytics-product-brand=\"UFB Direct\" data-analytics-product-name=\"UFB Best Savings\" href=\"https:\/\/affiliate.insider.com\/?u=https%3A%2F%2Fclick.linksynergy.com%2Ffs-bin%2Fclick%3Fid%3Doy9GXV3IvUc%26offerid%3D1099945.8%26type%3D3%26subid%3D0&amazonTrackingID=biauto-60817-20&site=bi&postID=63cab048930554523a48da26&platform=browser&sc=false&disabled=false\" data-analytics-module=\"body_link\">UFB Best Savings<\/a> may be a great option if you’d prefer to open a savings account with a low minimum opening deposit. It also stands out from other savings accounts because it comes with an ATM card.<\/p>\n<p><strong>Savings rate:\u00a0<\/strong>4.21% (as of 01\/18\/2023) APY<\/p>\n<p><strong>What to look out for: <\/strong>Customers with existing savings accounts may have to call customer service to get upgraded to the newest rate.<\/p>\n<p>It also may not be easy to deposit cash at UFB Direct. You’ll have to see if there are cash-accepting ATMs in your area.<\/p>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"5f74c4cb1e1b3576ae64cbcc\" data-analytics-product-brand=\"Popular Direct\" data-analytics-product-name=\"Popular Direct High-Rise Savings\" href=\"https:\/\/affiliate.insider.com\/?u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsidersv%2Fsavings%3Fbridge_partner%3Dpopulardirect&amazonTrackingID=biauto-60817-20&site=bi&postID=63cab048930554523a48da26&platform=browser&sc=false&disabled=false\">Popular Direct High-Rise Savings<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5f74c4cb1e1b3576ae64cbcc-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5f73b38574fe5b0018a8e201?width=400\" alt=\"Popular Direct Popular Direct High-Rise Savings\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5f73b38574fe5b0018a8e201?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section justify-content-center\">\n<p>Popular Direct High-Rise Savings<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.16%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $5,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5f74c4cb1e1b3576ae64cbcc-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5f73b38574fe5b0018a8e201?width=400\" alt=\"Popular Direct Popular Direct High-Rise Savings\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5f73b38574fe5b0018a8e201?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section\">\n<p>Popular Direct High-Rise Savings<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.16%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $5,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__right-column justify-content-center\">\n<p>\n <span class=\"regular-text text-center subtext-card\">On Popular Direct’s website<\/span>\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"5f74c4cb1e1b3576ae64cbcc\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5f74c4cb1e1b3576ae64cbcc-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5f73b38574fe5b0018a8e201?width=400\" alt=\"Popular Direct Popular Direct High-Rise Savings\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5f73b38574fe5b0018a8e201?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"modal-buttons-section\">\n<p>\n <span class=\"regular-text subtext-modal\">On Popular Direct’s website<\/span>\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.16%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $5,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"5f74c4cb1e1b3576ae64cbcc\" data-analytics-product-brand=\"Popular Direct\" data-analytics-product-name=\"Popular Direct High-Rise Savings\" data-analytics-product-index=\"22\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">High APY<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No monthly service fee<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Compounds interest daily<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">$5,000 minimum opening deposit<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">$5 excess withdrawal fee<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">For the first 70 days, the only account you can transfer money to is your linked funding account<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"5f74c4cb1e1b3576ae64cbcc\" data-analytics-product-brand=\"Popular Direct\" data-analytics-product-name=\"Popular Direct High-Rise Savings\" data-analytics-product-index=\"22\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Must link to external bank account and transfer funds to access your savings<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Interest compounded daily, paid monthly<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">FDIC insured<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out:<\/strong> You might like <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"5f74c4cb1e1b3576ae64cbcc\" data-analytics-product-brand=\"Popular Direct\" data-analytics-product-name=\"Popular Direct High-Rise Savings\" href=\"https:\/\/affiliate.insider.com\/?u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsidersv%2Fsavings%3Fbridge_partner%3Dpopulardirect&amazonTrackingID=biauto-60817-20&site=bi&postID=63cab048930554523a48da26&platform=browser&sc=false&disabled=false\" data-analytics-module=\"body_link\">Popular Direct High-Rise Savings<\/a> if you have at least $5,000 for an opening deposit. Popular Direct also may be a good choice if you’re searching for a savings account that doesn’t charge any monthly service fees.\u00a0<\/p>\n<p><strong>Savings rate:\u00a0<\/strong>4.16% APY<\/p>\n<p><strong>What to look out for: <\/strong><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"5f74c4cb1e1b3576ae64cbcc\" data-analytics-product-brand=\"Popular Direct\" data-analytics-product-name=\"Popular Direct High-Rise Savings\" href=\"https:\/\/affiliate.insider.com\/?u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsidersv%2Fsavings%3Fbridge_partner%3Dpopulardirect&amazonTrackingID=biauto-60817-20&site=bi&postID=63cab048930554523a48da26&platform=browser&sc=false&disabled=false\" data-analytics-module=\"body_link\">Popular Direct High-Rise Savings<\/a> has a steep minimum opening deposit. Other banks will let you open a savings account with less money upfront.<\/p>\n<p>Popular Direct only has savings accounts and CDs. Since there’s no checking account, you won’t be able to directly access money in your savings account. Instead, you’ll need to transfer an external bank account, which could take a few business days to process.<\/p>\n<h2 data-toc-label=\"Best interest rates for CDs\" id=\"best-interest-rates-for-cds\" class=\"toc-anchor\">Best interest rates for CDs<\/h2>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"5f73b51c1ad83a02423f90e2\" data-analytics-product-brand=\"Popular Direct\" data-analytics-product-name=\"Popular Direct CD\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/popular-direct-cd-bridge\">Popular Direct CD<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5f73b51c1ad83a02423f90e2-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5f73b38574fe5b0018a8e201?width=400\" alt=\"Popular Direct Popular Direct CD\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5f73b38574fe5b0018a8e201?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.05% to 4.75%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $10,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5f73b51c1ad83a02423f90e2-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5f73b38574fe5b0018a8e201?width=400\" alt=\"Popular Direct Popular Direct CD\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5f73b38574fe5b0018a8e201?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.05% to 4.75%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $10,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__right-column justify-content-center\">\n<p>\n <span class=\"regular-text text-center subtext-card\">On Popular Direct’s website<\/span>\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"5f73b51c1ad83a02423f90e2\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5f73b51c1ad83a02423f90e2-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5f73b38574fe5b0018a8e201?width=400\" alt=\"Popular Direct Popular Direct CD\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5f73b38574fe5b0018a8e201?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"modal-buttons-section\">\n<p>\n <span class=\"regular-text subtext-modal\">On Popular Direct’s website<\/span>\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.05% to 4.75%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $10,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"5f73b51c1ad83a02423f90e2\" data-analytics-product-brand=\"Popular Direct\" data-analytics-product-name=\"Popular Direct CD\" data-analytics-product-index=\"29\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Competitive rates for certain term lengths<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Compounds interest daily<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">$10,000 minimum deposit<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Standard-to-high early withdrawal penalties<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"5f73b51c1ad83a02423f90e2\" data-analytics-product-brand=\"Popular Direct\" data-analytics-product-name=\"Popular Direct CD\" data-analytics-product-index=\"29\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Terms ranging from 3 months to 5 years<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Early withdrawal penalties: 89 days simple interest for terms under 91 days; 120 days simple interest for terms of 91 days to less than 12 months; 270 days simple interest for terms of 12 months to less than 36 months; 365 days simple interest for terms of 36 months to less than 60 months; 730 days simple interest for terms of 60 months or more<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Interest compounded daily, paid monthly<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">FDIC insured<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out: <\/strong>Popular Direct offers some of the best high-interest CDs. Its 3-month and 6-month CDs, in particular, stand out for their competitive interest rates.<\/p>\n<p><strong>Rates: <\/strong>The rates for Popular Direct CDs are as follows:\u00a0<\/p>\n<p>3 months: 4.05%\u00a0 APY<\/p>\n<p>6 months: 4.50% APY<\/p>\n<p>1 year: 4.75% APY<\/p>\n<p>18 months: 4.65% APY<\/p>\n<p>2 year: 4.60% APY<\/p>\n<p>3 year: 4.60% APY<\/p>\n<p>4 year: 4.47% APY<\/p>\n<p>5 year: 4.55% APY<\/p>\n<p><strong>What to look out for: <\/strong>The bank requires a high minimum deposit of $10,000. Other financial institutions may offer lower initial deposit requirements.<\/p>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"6142217113cd0400189df4bb\" data-analytics-product-brand=\"CFG Bank\" data-analytics-product-name=\"CFG Bank CD\" href=\"https:\/\/www.businessinsider.com\/compare-offers-from-cfg-bank-bank\">CFG Bank CD<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"6142217113cd0400189df4bb-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5f0613f05af6cc31c25b2b40?width=400\" alt=\"CFG Bank CFG Bank CD\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5f0613f05af6cc31c25b2b40?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.50% to 4.75%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $500\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"6142217113cd0400189df4bb-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5f0613f05af6cc31c25b2b40?width=400\" alt=\"CFG Bank CFG Bank CD\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5f0613f05af6cc31c25b2b40?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.50% to 4.75%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $500\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"6142217113cd0400189df4bb\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"6142217113cd0400189df4bb-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5f0613f05af6cc31c25b2b40?width=400\" alt=\"CFG Bank CFG Bank CD\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5f0613f05af6cc31c25b2b40?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.50% to 4.75%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $500\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"6142217113cd0400189df4bb\" data-analytics-product-brand=\"CFG Bank\" data-analytics-product-name=\"CFG Bank CD\" data-analytics-product-index=\"42\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">$500 minimum opening deposit<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Competitive APY<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Standard early withdrawal penalties<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Limited term options<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"6142217113cd0400189df4bb\" data-analytics-product-brand=\"CFG Bank\" data-analytics-product-name=\"CFG Bank CD\" data-analytics-product-index=\"42\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">2 branches near Baltimore, Maryland<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Free access to over 1,600 M&T Banks ATMs on the East Coast<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Terms range from 1 year to 5 years<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Early withdrawal penalties: 90 days of interest for terms of 1 year; 180 days of interest for terms longer than 1 year<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Interest compounded daily and paid monthly<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Member FDIC<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-additional-reading\" data-analytics-product-id=\"6142217113cd0400189df4bb\" data-analytics-product-brand=\"CFG Bank\" data-analytics-product-name=\"CFG Bank CD\" data-analytics-product-index=\"42\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"additional_reading\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Additional Reading<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"additional-reading\">\n<p> <a class=\"not-content-link headline-bold read-our-review-text\" target=\"_blank\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/cfg-bank-review\" data-analytics-product-id=\"6142217113cd0400189df4bb\" data-analytics-product-brand=\"CFG Bank\" data-analytics-product-name=\"CFG Bank CD\" data-analytics-product-index=\"42\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"read_our_review\" rel=\"noopener\"><\/p>\n<div class=\"financial-product-card-v2__row\">\n<p>\n Read our review\n <\/p>\n<div class=\"financial-product-card-v2__column\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon arrow-right-long-icon read-our-review-icon\" role=\"img\" viewbox=\"0 0 54.7 11\">\n <title>Read Our Review<\/title>\n <desc>A looong arrow, pointing right<\/desc>\n <path d=\"M54.2 5L41.1.1c-.1-.1-.2-.1-.3-.1-.5 0-.8.3-.8.6V4H1.4C.6 4.1 0 4.7 0 5.5S.7 7 1.5 7H40v3.4c0 .1 0 .2.1.3.2.3.7.4 1 .3l13.1-5c.2-.1.3-.1.3-.3.3-.2.1-.6-.3-.7z\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<p> <\/a>\n <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out: <\/strong><a href=\"https:\/\/www.businessinsider.com\/personal-finance\/cfg-bank-review\" data-analytics-module=\"body_link\" rel=\"\">CFG Bank CDs<\/a> are a strong choice for a 1-year, 18-month, or 3-year CD. You only need $500 to open a CD, and you could earn a high rate.\u00a0<\/p>\n<p><strong>Rates: <\/strong>The rates for CFG Bank CDs are as follows:\u00a0<\/p>\n<p>1 year: 4.70% APY<\/p>\n<p>18 month: 4.75% APY<\/p>\n<p>3 year: 4.60% APY<\/p>\n<p>5 year: 4.50% APY<\/p>\n<p><strong>What to look out for: <\/strong>CFG Bank doesn’t have many CD terms to choose from \u2014 there are only 12-month, 18-month, 36-month, or 60-month CDs.<\/p>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"5ebdbb5af34d05288b23a5cd\" data-analytics-product-brand=\"CIT Bank\" data-analytics-product-name=\"CIT Bank Term Certificate of Deposit (CD)\" href=\"https:\/\/affiliate.insider.com\/?u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26665820%26cr%3D25998%26last_updated%3D1568767502&amazonTrackingID=biauto-60817-20&site=bi&postID=63cab048930554523a48da26&platform=browser&sc=false&disabled=false\">CIT Bank Term Certificate of Deposit (CD)<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5ebdbb5af34d05288b23a5cd-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5ebdbab9f0f4191fc4417114?width=400\" alt=\"CIT Bank CIT Bank Term Certificate of Deposit (CD)\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5ebdbab9f0f4191fc4417114?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section justify-content-center\">\n<p>CIT Bank Term Certificate of Deposit (CD)<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 0.30% to 4.75%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $1,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5ebdbb5af34d05288b23a5cd-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5ebdbab9f0f4191fc4417114?width=400\" alt=\"CIT Bank CIT Bank Term Certificate of Deposit (CD)\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5ebdbab9f0f4191fc4417114?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section\">\n<p>CIT Bank Term Certificate of Deposit (CD)<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 0.30% to 4.75%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $1,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"5ebdbb5af34d05288b23a5cd\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5ebdbb5af34d05288b23a5cd-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5ebdbab9f0f4191fc4417114?width=400\" alt=\"CIT Bank CIT Bank Term Certificate of Deposit (CD)\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5ebdbab9f0f4191fc4417114?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 0.30% to 4.75%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $1,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"5ebdbb5af34d05288b23a5cd\" data-analytics-product-brand=\"CIT Bank\" data-analytics-product-name=\"CIT Bank Term Certificate of Deposit (CD)\" data-analytics-product-index=\"51\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Standard early withdrawal penalties<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Competitive rates for some terms<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">$1,000 minimum deposit<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Non-competitive rates for some terms<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"5ebdbb5af34d05288b23a5cd\" data-analytics-product-brand=\"CIT Bank\" data-analytics-product-name=\"CIT Bank Term Certificate of Deposit (CD)\" data-analytics-product-index=\"51\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Terms ranging from 6 months to 5 years<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Early withdrawal penalties: 3 months simple interest for terms under 1 year, 6 months simple interest for terms of 1 to 3 years, 12 months simple interest for terms over 3 years<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">FDIC insured<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-additional-reading\" data-analytics-product-id=\"5ebdbb5af34d05288b23a5cd\" data-analytics-product-brand=\"CIT Bank\" data-analytics-product-name=\"CIT Bank Term Certificate of Deposit (CD)\" data-analytics-product-index=\"51\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"additional_reading\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Additional Reading<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"additional-reading\">\n<p> <a class=\"not-content-link headline-bold read-our-review-text\" target=\"_blank\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/cit-bank-review\" data-analytics-product-id=\"5ebdbb5af34d05288b23a5cd\" data-analytics-product-brand=\"CIT Bank\" data-analytics-product-name=\"CIT Bank Term Certificate of Deposit (CD)\" data-analytics-product-index=\"51\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"read_our_review\" rel=\"noopener\"><\/p>\n<div class=\"financial-product-card-v2__row\">\n<p>\n Read our review\n <\/p>\n<div class=\"financial-product-card-v2__column\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon arrow-right-long-icon read-our-review-icon\" role=\"img\" viewbox=\"0 0 54.7 11\">\n <title>Read Our Review<\/title>\n <desc>A looong arrow, pointing right<\/desc>\n <path d=\"M54.2 5L41.1.1c-.1-.1-.2-.1-.3-.1-.5 0-.8.3-.8.6V4H1.4C.6 4.1 0 4.7 0 5.5S.7 7 1.5 7H40v3.4c0 .1 0 .2.1.3.2.3.7.4 1 .3l13.1-5c.2-.1.3-.1.3-.3.3-.2.1-.6-.3-.7z\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<p> <\/a>\n <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out:\u00a0<\/strong><a href=\"https:\/\/www.businessinsider.com\/personal-finance\/cit-bank-review\" rel=\"noopener\" data-analytics-module=\"body_link\" data-analytics-post-depth=\"40\" data-uri=\"0590f2a5dda669fffb0b7e887323b25c\">CIT Bank<\/a> has one of the highest CD rates right now for 6-month and 18-month terms.<\/p>\n<p><strong>Rate: <\/strong>The rates for CIT Bank are as follows:<\/p>\n<ul>\n<li>6 months: 4.15% APY<\/li>\n<li>1 year: 0.30% APY<\/li>\n<li>13 months: 4.65% APY<\/li>\n<li>18 months: 4.75% APY<\/li>\n<li>2 years: 0.40% APY<\/li>\n<li>3 years: 0.40% APY<\/li>\n<li>4 years: 0.50% APY<\/li>\n<li>5 years: 0.50% APY<\/li>\n<\/ul>\n<p><strong>What to look out for:\u00a0<\/strong>If you’re searching for CDs over 2 years, you’ll likely find more competitive interest rates at other financial institutions.\u00a0<\/p>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"5f20327c4dca68666241f650\" data-analytics-product-brand=\"Signature Federal Credit Union\" data-analytics-product-name=\"Signature Federal Credit Union Certificate\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/signature-federal-cd-bridge\">Signature Federal Credit Union Certificate<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5f20327c4dca68666241f650-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5ed510bb3f737006a520c2c5?width=400\" alt=\"Signature Federal Credit Union Signature Federal Credit Union Certificate\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5ed510bb3f737006a520c2c5?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section justify-content-center\">\n<p>Signature Federal Credit Union Certificate<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 1.75% to 5.00%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $500\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5f20327c4dca68666241f650-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5ed510bb3f737006a520c2c5?width=400\" alt=\"Signature Federal Credit Union Signature Federal Credit Union Certificate\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5ed510bb3f737006a520c2c5?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section\">\n<p>Signature Federal Credit Union Certificate<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 1.75% to 5.00%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $500\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__right-column justify-content-center\">\n<p>\n <span class=\"regular-text text-center subtext-card\">On Signature Federal Credit Union’s website<\/span>\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"5f20327c4dca68666241f650\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5f20327c4dca68666241f650-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5ed510bb3f737006a520c2c5?width=400\" alt=\"Signature Federal Credit Union Signature Federal Credit Union Certificate\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5ed510bb3f737006a520c2c5?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"modal-buttons-section\">\n<p>\n <span class=\"regular-text subtext-modal\">On Signature Federal Credit Union’s website<\/span>\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 1.75% to 5.00%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $500\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"5f20327c4dca68666241f650\" data-analytics-product-brand=\"Signature Federal Credit Union\" data-analytics-product-name=\"Signature Federal Credit Union Certificate\" data-analytics-product-index=\"57\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Competitive APY<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">$500 opening deposit<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">High early withdrawal penalties<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Interest compounded monthly, not daily<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No terms over 5 years<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"5f20327c4dca68666241f650\" data-analytics-product-brand=\"Signature Federal Credit Union\" data-analytics-product-name=\"Signature Federal Credit Union Certificate\" data-analytics-product-index=\"57\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Become a Signature FCU member by depositing $5 in a Signature savings account<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Terms ranging from 3 months to 5 years<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">45 days to 900 days interest early withdrawal penalty<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Interest compounded monthly and paid monthly<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out:\u00a0<\/strong>Signature Federal Credit Union lets you open an account with $500. Usually, you need at least $1,000 to open a share certificate.<\/p>\n<p>Signature Federal Credit Union’s most appealing term is its 6-month share certificate, which pays a competitive interest rate compared to CDs at other financial institutions.<\/p>\n<p><strong>Rate: <\/strong>The rates for Signature Federal Credit Union share certificates are as follows:<\/p>\n<ul>\n<li>3 months: 1.75% APY<\/li>\n<li>6 months: 5.00% APY<\/li>\n<li>9 months: 2.75% APY<\/li>\n<li>1 year: 3.75% APY<\/li>\n<li>18 months: 3.90% APY<\/li>\n<li>2 years: 3.60% APY<\/li>\n<li>3 years: 3.75% APY<\/li>\n<li>4 years: 3.75% APY<\/li>\n<li>5 years: 4.00% APY<\/li>\n<\/ul>\n<p>Signature Federal Credit Union also has a limited-time premium 3-year CD. This is a promotional CD that pays 4.50% APY for 36 months. Once your term ends, your CD will be automatically renewed to a 3-year standard CD, which currently offers a rate of 3.75% APY.\u00a0<\/p>\n<p><strong>What to look out for: <\/strong>To open a share certificate at Signature Federal Credit Union, you must become a member first. The easiest way to become a member is to enroll in the American Consumer Council. Then you’ll just need to open a savings account.<\/p>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"6345f74b63de01001849676f\" data-analytics-product-brand=\"Quorum Federal Credit Union\" data-analytics-product-name=\"Quorum Federal Credit Union Term Savings\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/quorum-federal-credit-union-cd-bridge\">Quorum Federal Credit Union Term Savings<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"6345f74b63de01001849676f-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/6335e8a4d0bea6001869c42d?width=400\" alt=\"Quorum Federal Credit Union Quorum Federal Credit Union Term Savings\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/6335e8a4d0bea6001869c42d?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section justify-content-center\">\n<p>Quorum Federal Credit Union Term Savings<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 1.70% to 4.70%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $1,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"6345f74b63de01001849676f-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/6335e8a4d0bea6001869c42d?width=400\" alt=\"Quorum Federal Credit Union Quorum Federal Credit Union Term Savings\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/6335e8a4d0bea6001869c42d?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section\">\n<p>Quorum Federal Credit Union Term Savings<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 1.70% to 4.70%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $1,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__right-column justify-content-center\">\n<p>\n <span class=\"regular-text text-center subtext-card\">On Quorum Federal Credit Union’s website<\/span>\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"6345f74b63de01001849676f\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"6345f74b63de01001849676f-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/6335e8a4d0bea6001869c42d?width=400\" alt=\"Quorum Federal Credit Union Quorum Federal Credit Union Term Savings\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/6335e8a4d0bea6001869c42d?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"modal-buttons-section\">\n<p>\n <span class=\"regular-text subtext-modal\">On Quorum Federal Credit Union’s website<\/span>\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 1.70% to 4.70%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $1,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"6345f74b63de01001849676f\" data-analytics-product-brand=\"Quorum Federal Credit Union\" data-analytics-product-name=\"Quorum Federal Credit Union Term Savings\" data-analytics-product-index=\"65\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Competitive interest rate on select CD terms<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Standard-to-low early withdrawal penalties<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Standard CD terms<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">$1,000 minimum opening deposit<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Interest compounded monthly, not daily<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"6345f74b63de01001849676f\" data-analytics-product-brand=\"Quorum Federal Credit Union\" data-analytics-product-name=\"Quorum Federal Credit Union Term Savings\" data-analytics-product-index=\"65\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Online credit union with 1 location in NY<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Terms range from 3 months to 5 years<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">To become a member, you or a family must work at a Select Employee Group OR you must join the American Consumer Council or Select Savers Club<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Earn an additional 0.10% APY on account balances over $100,000<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Early withdrawal penalties: 1% of the amount withdrawn for terms between 2 months and 11 months; 2% of the amount withdrawn for terms between 1 year and 2 years; 3% of the amount withdrawn for terms over 25 months<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Interest compounded and deposited monthly<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">NCUA insured<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out: <\/strong>Quorum Federal Credit Union offers a competitive interest rate on a 2-year CD.\u00a0<\/p>\n<p>You’ll earn 4.60% APY with a minimum deposit between $1,000 and $99,999, or 4.70% APY if you deposit more than $100,000 in your account.\u00a0<\/p>\n<p><strong>Rate: <\/strong>The rates for Quorum Federal Credit Union <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"6345f74b63de01001849676f\" data-analytics-product-brand=\"Quorum Federal Credit Union\" data-analytics-product-name=\"Quorum Federal Credit Union Term Savings\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/quorum-federal-credit-union-cd-bridge\" data-analytics-module=\"body_link\">Quorum Federal Credit Union Term Savings<\/a> are as follows:<\/p>\n<p>3 months: 1.70% APY<\/p>\n<p>6 months: 1.95% APY<\/p>\n<p>1 year: 2.10% APY<\/p>\n<p>13 month (new money only): 4.50% APY<\/p>\n<p>18 month: 2.10% APY<\/p>\n<p>2 year: 4.60% (on balances $1,000 – $99,999) or 4.70% (on balances of $100,000 or more) APY<\/p>\n<p>3 year: 2.20% APY<\/p>\n<p>4 year: 2.25% APY<\/p>\n<p>5 year: 2.35% APY<\/p>\n<p>Keep in mind if you deposit $100,000 or more in a Term account, you’ll earn an additional 0.10% APY to the rate listed.<\/p>\n<p><strong>What to look out for: <\/strong>To open a bank account at a credit union, you’ll need to become a member first. At Quorum, you or a family member have to work for a Select Employee Group\u00a0<a href=\"https:\/\/www.quorumfcu.org\/why-quorum\/eligibility\/\" target=\"_blank\" rel=\"noopener nofollow\" data-analytics-module=\"body_link\" data-analytics-post-depth=\"60\" data-uri=\"492f70bb6f4818f9060d4f2baa23c455\">on this list<\/a>, or you must join the American Consumer Council or Select Savers Club.<\/p>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"5eeb7e6d4dca6871fb0cd5de\" data-analytics-product-brand=\"Pentagon Federal Credit Union\" data-analytics-product-name=\"Pentagon Federal Credit Union Money Market Certificate\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/penfed-cd-bridge\">Pentagon Federal Credit Union Money Market Certificate<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5eeb7e6d4dca6871fb0cd5de-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5eea70f6988ee3469969f326?width=400\" alt=\"Pentagon Federal Credit Union Pentagon Federal Credit Union Money Market Certificate\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5eea70f6988ee3469969f326?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section justify-content-center\">\n<p>Pentagon Federal Credit Union Money Market Certificate<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 2.70% to 4.70%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $1,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5eeb7e6d4dca6871fb0cd5de-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5eea70f6988ee3469969f326?width=400\" alt=\"Pentagon Federal Credit Union Pentagon Federal Credit Union Money Market Certificate\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5eea70f6988ee3469969f326?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section\">\n<p>Pentagon Federal Credit Union Money Market Certificate<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 2.70% to 4.70%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $1,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__right-column justify-content-center\">\n<p>\n <span class=\"regular-text text-center subtext-card\">On Pentagon Federal Credit Union’s website<\/span>\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"5eeb7e6d4dca6871fb0cd5de\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5eeb7e6d4dca6871fb0cd5de-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5eea70f6988ee3469969f326?width=400\" alt=\"Pentagon Federal Credit Union Pentagon Federal Credit Union Money Market Certificate\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5eea70f6988ee3469969f326?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"modal-buttons-section\">\n<p>\n <span class=\"regular-text subtext-modal\">On Pentagon Federal Credit Union’s website<\/span>\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 2.70% to 4.70%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $1,000\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"5eeb7e6d4dca6871fb0cd5de\" data-analytics-product-brand=\"Pentagon Federal Credit Union\" data-analytics-product-name=\"Pentagon Federal Credit Union Money Market Certificate\" data-analytics-product-index=\"81\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Competitive APY<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Terms up to 7 years<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">$1,000 opening deposit<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">High early withdrawal penalties<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">6-month certificates earn simple interest, not compounded interest<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"5eeb7e6d4dca6871fb0cd5de\" data-analytics-product-brand=\"Pentagon Federal Credit Union\" data-analytics-product-name=\"Pentagon Federal Credit Union Money Market Certificate\" data-analytics-product-index=\"81\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Many ways to join PenFed, the easiest being to open a savings account with $5<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Branches in US and on military bases in Guam, Puerto Rico, and Japan<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Terms ranging from 6 months to 7 years<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">90 days interest early withdrawal penalty for 6-month CDs<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">For longer terms, you’ll lose all interest earned if you make an early withdrawal within 1 year of opening the certificate<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">If you make an early withdrawal after the 1-year mark, the penalty is 30% of the gross dividends you would have earned if the certificate had matured<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Federally insured by the NCUA<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-additional-reading\" data-analytics-product-id=\"5eeb7e6d4dca6871fb0cd5de\" data-analytics-product-brand=\"Pentagon Federal Credit Union\" data-analytics-product-name=\"Pentagon Federal Credit Union Money Market Certificate\" data-analytics-product-index=\"81\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"additional_reading\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Additional Reading<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"additional-reading\">\n<p> <a class=\"not-content-link headline-bold read-our-review-text\" target=\"_blank\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/pentagon-federal-credit-union-review\" data-analytics-product-id=\"5eeb7e6d4dca6871fb0cd5de\" data-analytics-product-brand=\"Pentagon Federal Credit Union\" data-analytics-product-name=\"Pentagon Federal Credit Union Money Market Certificate\" data-analytics-product-index=\"81\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"read_our_review\" rel=\"noopener\"><\/p>\n<div class=\"financial-product-card-v2__row\">\n<p>\n Read our review\n <\/p>\n<div class=\"financial-product-card-v2__column\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon arrow-right-long-icon read-our-review-icon\" role=\"img\" viewbox=\"0 0 54.7 11\">\n <title>Read Our Review<\/title>\n <desc>A looong arrow, pointing right<\/desc>\n <path d=\"M54.2 5L41.1.1c-.1-.1-.2-.1-.3-.1-.5 0-.8.3-.8.6V4H1.4C.6 4.1 0 4.7 0 5.5S.7 7 1.5 7H40v3.4c0 .1 0 .2.1.3.2.3.7.4 1 .3l13.1-5c.2-.1.3-.1.3-.3.3-.2.1-.6-.3-.7z\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<p> <\/a>\n <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out: <\/strong>You may like Pentagon Federal Credit Union if you’re searching for 1-year, 15-month, or 18-month certificates. These terms offer higher interest rates than share certificates at other financial institutions.\u00a0<\/p>\n<p><strong>Rate:<\/strong> The rates for Pentagon Federal Credit Union Money Market Certificates are as follows:<\/p>\n<ul>\n<li>6 months: 2.70% APY<\/li>\n<li>1 year: 4.60% APY<\/li>\n<li>15 months: 4.65% APY<\/li>\n<li>18 months: 4.70% APY<\/li>\n<li>2 years: 4.45% APY<\/li>\n<li>3 years: 4.10% APY<\/li>\n<li>4 years: 3.90% APY<\/li>\n<li>5 years: 3.90% APY<\/li>\n<li>7 years: 3.80% APY<\/li>\n<\/ul>\n<p><strong>What to look out for:\u00a0<\/strong>The early withdrawal penalties for some terms are a bit steep compared to other banks. You’ll have to pay one year of interest for long-term certificates if you withdraw money in the first year, or 30% of the interest that you would have earned if your certificate reached the end of its term if you take out money after the first year.<\/p>\n<p>Another thing to keep in mind is that credit unions require membership to open accounts. The easiest way to join is to simply open a savings account with a $5 minimum deposit.<\/p>\n<h2 data-toc-label=\"Best interest rates for checking\" id=\"best-interest-rates-for-checking\" class=\"toc-anchor\">Best interest rates for checking<\/h2>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"5ee3a8df1918242ebc45804d\" data-analytics-product-brand=\"Consumers Credit Union\" data-analytics-product-name=\"Consumers Credit Union Free Rewards Checking Account\" href=\"https:\/\/www.myconsumers.org\/bank\/accounts\/free-rewards-checking\">Consumers Credit Union Free Rewards Checking Account<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5ee3a8df1918242ebc45804d-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5ee3a8ddf34d0518cd5b7b95?width=400\" alt=\"Consumers Credit Union Consumers Credit Union Free Rewards Checking Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5ee3a8ddf34d0518cd5b7b95?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section justify-content-center\">\n<p>Consumers Credit Union Free Rewards Checking Account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 0.01% to 5.00%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $5\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5ee3a8df1918242ebc45804d-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5ee3a8ddf34d0518cd5b7b95?width=400\" alt=\"Consumers Credit Union Consumers Credit Union Free Rewards Checking Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5ee3a8ddf34d0518cd5b7b95?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section\">\n<p>Consumers Credit Union Free Rewards Checking Account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 0.01% to 5.00%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $5\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__right-column justify-content-center\">\n<p>\n <span class=\"regular-text text-center subtext-card\">On Consumers Credit Union’s website<\/span>\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"5ee3a8df1918242ebc45804d\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"5ee3a8df1918242ebc45804d-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5ee3a8ddf34d0518cd5b7b95?width=400\" alt=\"Consumers Credit Union Consumers Credit Union Free Rewards Checking Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5ee3a8ddf34d0518cd5b7b95?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"modal-buttons-section\">\n<p>\n <span class=\"regular-text subtext-modal\">On Consumers Credit Union’s website<\/span>\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 0.01% to 5.00%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $5\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"5ee3a8df1918242ebc45804d\" data-analytics-product-brand=\"Consumers Credit Union\" data-analytics-product-name=\"Consumers Credit Union Free Rewards Checking Account\" data-analytics-product-index=\"89\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">High APY<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">$5 minimum opening deposit<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No monthly service fee<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Early direct deposit<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Unlimited reimbursements for out-of-network ATM fees<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">$10 overdraft transfer charge<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Limited customer support availability<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Interest compounds monthly, not daily<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"5ee3a8df1918242ebc45804d\" data-analytics-product-brand=\"Consumers Credit Union\" data-analytics-product-name=\"Consumers Credit Union Free Rewards Checking Account\" data-analytics-product-index=\"89\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">To become a member of Consumers Credit Union, pay an initial $5 membership fee and open the Membership Savings Account with at least $5<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">14 open branches in Chicago, Illinois, and nearby cities<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Access to over 5,600 shared branches and 60,000 surcharge-free ATMs through the CO-OP Shared Network<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Earn 3% APY on balances up to $10k when you enroll in eDocuments, make 12 debit card transactions per month, and receive $500 per month in deposits<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Earn 4% on balances up to $10k when you meet qualifications for 3% and spend $500\/month with your CCU credit card<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Earn 5% on balances up to $10k when you meet qualifications for 3% and spend $1,000\/month with your CCU credit card<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Earn 0.20% APY on balances between $10k and $25k<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Earn 0.10% APY on balances over $25k<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">If you don’t meet the requirements to earn a rewards interest rate, you’ll earn 0.01% APY and you won’t get ATM refunds<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Interest compounded and deposited monthly<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Federally insured by the NCUA<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-additional-reading\" data-analytics-product-id=\"5ee3a8df1918242ebc45804d\" data-analytics-product-brand=\"Consumers Credit Union\" data-analytics-product-name=\"Consumers Credit Union Free Rewards Checking Account\" data-analytics-product-index=\"89\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"additional_reading\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Additional Reading<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"additional-reading\">\n<p> <a class=\"not-content-link headline-bold read-our-review-text\" target=\"_blank\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/consumers-credit-union-review\" data-analytics-product-id=\"5ee3a8df1918242ebc45804d\" data-analytics-product-brand=\"Consumers Credit Union\" data-analytics-product-name=\"Consumers Credit Union Free Rewards Checking Account\" data-analytics-product-index=\"89\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"read_our_review\" rel=\"noopener\"><\/p>\n<div class=\"financial-product-card-v2__row\">\n<p>\n Read our review\n <\/p>\n<div class=\"financial-product-card-v2__column\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon arrow-right-long-icon read-our-review-icon\" role=\"img\" viewbox=\"0 0 54.7 11\">\n <title>Read Our Review<\/title>\n <desc>A looong arrow, pointing right<\/desc>\n <path d=\"M54.2 5L41.1.1c-.1-.1-.2-.1-.3-.1-.5 0-.8.3-.8.6V4H1.4C.6 4.1 0 4.7 0 5.5S.7 7 1.5 7H40v3.4c0 .1 0 .2.1.3.2.3.7.4 1 .3l13.1-5c.2-.1.3-.1.3-.3.3-.2.1-.6-.3-.7z\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<p> <\/a>\n <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out: <\/strong>The <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"5ee3a8df1918242ebc45804d\" data-analytics-product-brand=\"Consumers Credit Union\" data-analytics-product-name=\"Consumers Credit Union Free Rewards Checking Account\" href=\"https:\/\/www.myconsumers.org\/bank\/accounts\/free-rewards-checking\" data-analytics-module=\"body_link\">Consumers Credit Union Free Rewards Checking Account<\/a> doesn’t charge monthly service fees. If you qualify for a tiered rate, you’ll also be eligible to get early direct deposit and unlimited ATM fee reimbursements.<\/p>\n<p>You’ll get the most out of the account if you do the following:\u00a0<\/p>\n<ul>\n<li>Earn\u00a03.00% APY\u00a0if you have less than $10,000 when you sign up to receive eDocuments, make 12 monthly debit card purchases, and receive $500 in monthly direct deposits, mobile check deposits, or transfers from other banks<\/li>\n<li>Earn\u00a04.00% APY\u00a0if you meet the requirements to earn 3% and spend $500 per month with your Consumers Credit Union Credit Card<\/li>\n<li>Earn 5.00% APY if you meet the requirements to earn 3% and spend $1,000 per month with your Consumers Credit Card<\/li>\n<li>Earn\u00a00.20% APY\u00a0if you have an account balance between $10,000.01 and $25,000 when you receive eDocuments, make 12 monthly transactions, and receive $500 per month in direct deposits, mobile check deposits, or transfers from other banks<\/li>\n<li>Earn\u00a00.10% APY\u00a0if you have an account balance over $25,000 when you receive eDocuments, make 12 monthly transactions, and receive $500 per month in direct deposits, mobile check deposits, or transfers from other banks<\/li>\n<\/ul>\n<p>If you don’t meet the requirements, you’ll only earn 0.01% APY on your account balance.<\/p>\n<p><strong>Rate:<\/strong> 0.01% to 5.00% APY<\/p>\n<p><strong>What to look out for:\u00a0<\/strong>Credit unions require membership to open accounts. To become a member, pay a one-time membership fee and open the <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"619585f123500400191c5303\" data-analytics-product-brand=\"Consumers Credit Union\" data-analytics-product-name=\"Consumers Credit Union Membership Share Savings Account\" href=\"https:\/\/www.myconsumers.org\/bank\/accounts\/savings\" data-analytics-module=\"body_link\">Consumers Credit Union Membership Share Savings Account<\/a> with at least $5.<\/p>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"604648db1e14000011d91033\" data-analytics-product-brand=\"Juno\" data-analytics-product-name=\"Juno Metal Checking Account\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/onjuno-review\">Juno Metal Checking Account<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"604648db1e14000011d91033-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/62c73df18045920019ae1981?width=400\" alt=\"Juno Juno Metal Checking Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/62c73df18045920019ae1981?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section justify-content-center\">\n<p>Juno Metal Checking Account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<div class=\"regular-text headline-bold \">\n <span><br \/>\n Annual Percentage Yield (APY)<\/p>\n<p> <\/span>\n <\/div>\n<p>\n 3.00% to 5.00% (depending on deposit amount)\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $0\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"604648db1e14000011d91033-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/62c73df18045920019ae1981?width=400\" alt=\"Juno Juno Metal Checking Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/62c73df18045920019ae1981?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section\">\n<p>Juno Metal Checking Account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<div class=\"regular-text headline-bold \">\n <span><br \/>\n Annual Percentage Yield (APY)<\/p>\n<p> <\/span>\n <\/div>\n<p>\n 3.00% to 5.00% (depending on deposit amount)\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $0\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"604648db1e14000011d91033\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"604648db1e14000011d91033-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/62c73df18045920019ae1981?width=400\" alt=\"Juno Juno Metal Checking Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/62c73df18045920019ae1981?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 3.00% to 5.00% (depending on deposit amount)\n <\/p>\n<p>5.00% yearly bonus on deposit balances up to $10,000; 3.00% yearly bonus on deposit balances from $10,001 to $250,000<\/p>\n<p>Show more<\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $0\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"604648db1e14000011d91033\" data-analytics-product-brand=\"Juno\" data-analytics-product-name=\"Juno Metal Checking Account\" data-analytics-product-index=\"97\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Earn cash back<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Virtual debit card, physical debit card, and access to Apple Pay, Google Pay, Samsung Pay<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No out-of-network ATM fees<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Refunds 3 fees charged by out-of-network ATM providers per month<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No overdraft fees<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No option to overdraw<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Interest compounds monthly, not daily<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No joint accounts<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"604648db1e14000011d91033\" data-analytics-product-brand=\"Juno\" data-analytics-product-name=\"Juno Metal Checking Account\" data-analytics-product-index=\"97\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">85,000 free ATMs nationwide<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">5.00% yearly bonus on deposit balances up to $10,000<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">3.00% yearly bonus on deposit balances from $10,001 to $250,000<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Choose 10 companies to earn 5% cash back with, on spending up to $3,000 per year<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Can also buy and sell cryptocurrency through Juno<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Interest compounded monthly, paid monthly<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">FDIC insured through partner bank, Evolve Bank & Trust<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-additional-reading\" data-analytics-product-id=\"604648db1e14000011d91033\" data-analytics-product-brand=\"Juno\" data-analytics-product-name=\"Juno Metal Checking Account\" data-analytics-product-index=\"97\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"additional_reading\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Additional Reading<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"additional-reading\">\n<p> <a class=\"not-content-link headline-bold read-our-review-text\" target=\"_blank\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/onjuno-review\" data-analytics-product-id=\"604648db1e14000011d91033\" data-analytics-product-brand=\"Juno\" data-analytics-product-name=\"Juno Metal Checking Account\" data-analytics-product-index=\"97\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"read_our_review\" rel=\"noopener\"><\/p>\n<div class=\"financial-product-card-v2__row\">\n<p>\n Read our review\n <\/p>\n<div class=\"financial-product-card-v2__column\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon arrow-right-long-icon read-our-review-icon\" role=\"img\" viewbox=\"0 0 54.7 11\">\n <title>Read Our Review<\/title>\n <desc>A looong arrow, pointing right<\/desc>\n <path d=\"M54.2 5L41.1.1c-.1-.1-.2-.1-.3-.1-.5 0-.8.3-.8.6V4H1.4C.6 4.1 0 4.7 0 5.5S.7 7 1.5 7H40v3.4c0 .1 0 .2.1.3.2.3.7.4 1 .3l13.1-5c.2-.1.3-.1.3-.3.3-.2.1-.6-.3-.7z\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<p> <\/a>\n <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out:\u00a0<\/strong>Juno has a solid rewards checking account. The rate you’ll earn will vary depending on your account balance. You can earn up to a 5% yearly bonus on the first $10,000 in your account, and 3% on balances from $10,0001 to $250,000. You’ll also be able to earn 5% cash back when you shop at select retailers, and buy and sell cryptocurrency through Juno.\u00a0<\/p>\n<p><strong>Rate:\u00a0<\/strong>3.00% to 5.00% (depending on deposit amount) APY<\/p>\n<p><strong>What to look out for:\u00a0<\/strong>Juno has two types of accounts: Basic and Metal. The main difference between the two accounts is that the <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"604648db1e14000011d91033\" data-analytics-product-brand=\"Juno\" data-analytics-product-name=\"Juno Metal Checking Account\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/onjuno-review\" data-analytics-module=\"body_link\">Juno Metal Checking Account<\/a> has higher limits for yearly cash back, crypto purchases, and other perks than <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"6046464984c7710012c63f6f\" data-analytics-product-brand=\"Juno\" data-analytics-product-name=\"Juno Basic Checking Account\" href=\"https:\/\/www.businessinsider.com\/personal-finance\/onjuno-review\" data-analytics-module=\"body_link\">Juno Basic<\/a>.\u00a0<\/p>\n<p>To qualify for Metal, you’ll need to maintain a qualifying direct deposit of $250 or more per month or connect your Web3 Wallet so Juno can review your on-chain activity.<\/p>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"6142105813cd0400189df481\" data-analytics-product-brand=\"Personal Capital\" data-analytics-product-name=\"Personal Capital Cash Account\" href=\"https:\/\/affiliate.insider.com\/?u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26684284%26cr%3D17714%26last_updated%3D1434566721&amazonTrackingID=biauto-60817-20&site=bi&postID=63cab048930554523a48da26&platform=browser&sc=false&disabled=false\">Personal Capital Cash Account<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"6142105813cd0400189df481-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/61420fc02db0850019a98e86?width=400\" alt=\"Personal Capital Personal Capital Cash Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/61420fc02db0850019a98e86?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section justify-content-center\">\n<p>Personal Capital Cash Account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 3.85% to 3.90%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n None\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"6142105813cd0400189df481-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/61420fc02db0850019a98e86?width=400\" alt=\"Personal Capital Personal Capital Cash Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/61420fc02db0850019a98e86?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section\">\n<p>Personal Capital Cash Account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 3.85% to 3.90%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n None\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__right-column justify-content-center\">\n<p>\n <span class=\"regular-text text-center subtext-card\">On Personal Capital’s website<\/span>\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"6142105813cd0400189df481\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"6142105813cd0400189df481-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/61420fc02db0850019a98e86?width=400\" alt=\"Personal Capital Personal Capital Cash Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/61420fc02db0850019a98e86?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"modal-buttons-section\">\n<p>\n <span class=\"regular-text subtext-modal\">On Personal Capital’s website<\/span>\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 3.85% to 3.90%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n None\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"6142105813cd0400189df481\" data-analytics-product-brand=\"Personal Capital\" data-analytics-product-name=\"Personal Capital Cash Account\" data-analytics-product-index=\"103\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">High interest rate<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No monthly service fees<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No minimum balance requirements<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">To earn highest APY, you must be a Personal Capital advisory client<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"6142105813cd0400189df481\" data-analytics-product-brand=\"Personal Capital\" data-analytics-product-name=\"Personal Capital Cash Account\" data-analytics-product-index=\"103\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Earn 3.90% APY if you’re a Personal Capital advisory client<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Earn 3.85% APY if you’re not a Personal Capital advisory client<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Interest compounded daily, deposited monthly<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">FDIC insured through UMB Bank<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out:\u00a0<\/strong>The <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"6142105813cd0400189df481\" data-analytics-product-brand=\"Personal Capital\" data-analytics-product-name=\"Personal Capital Cash Account\" href=\"https:\/\/affiliate.insider.com\/?u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26684284%26cr%3D17714%26last_updated%3D1434566721&amazonTrackingID=biauto-60817-20&site=bi&postID=63cab048930554523a48da26&platform=browser&sc=false&disabled=false\" data-analytics-module=\"body_link\">Personal Capital Cash Account<\/a> might be worthwhile if you already use the investment platform Personal Capital. This <a href=\"https:\/\/www.businessinsider.com\/personal-finance\/what-is-a-cash-management-account\" data-analytics-module=\"body_link\" rel=\"\">cash management account<\/a> doesn’t charge any monthly service fees; up to $2 million is FDIC insured in an account.<\/p>\n<p>To earn 3.90% APY, you must be a Personal Capital advisory client. Otherwise, you’ll earn 3.85% APY.<\/p>\n<p><strong>Rate:<\/strong> 3.85% to 3.90% APY<\/p>\n<p><strong>What to look out for:\u00a0<\/strong>Personal Capital only offers a cash management account, which is an alternative option to traditional checking and savings accounts. If you would like to open different types of accounts \u2014 for example, a money market account or CD \u2014 you might consider a bank or credit union instead.\u00a0<\/p>\n<h2 data-toc-label=\"Best interest rates for money market accounts\" id=\"best-interest-rates-for-money-market-accounts\" class=\"toc-anchor\">Best interest rates for money market accounts<\/h2>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"6142497013cd0400189df577\" data-analytics-product-brand=\"UFB Direct\" data-analytics-product-name=\"UFB Best Money Market Account\" href=\"https:\/\/affiliate.insider.com\/?u=https%3A%2F%2Fclick.linksynergy.com%2Ffs-bin%2Fclick%3Fid%3Doy9GXV3IvUc%26offerid%3D1099945.10%26type%3D3%26subid%3D0&amazonTrackingID=biauto-60817-20&site=bi&postID=63cab048930554523a48da26&platform=browser&sc=false&disabled=false\">UFB Best Money Market Account<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"6142497013cd0400189df577-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/614210d62db0850019a98edc?width=400\" alt=\"UFB Direct UFB Best Money Market Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/614210d62db0850019a98edc?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section justify-content-center\">\n<p>UFB Best Money Market Account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.21% (as of 01\/18\/2023)\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $0\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section \">\n<p>\n <span><br \/>\n Fees<br \/>\n <\/span>\n <\/p>\n<p>\n $10 monthly fee (with options to waive)\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"6142497013cd0400189df577-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/614210d62db0850019a98edc?width=400\" alt=\"UFB Direct UFB Best Money Market Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/614210d62db0850019a98edc?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section\">\n<p>UFB Best Money Market Account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.21% (as of 01\/18\/2023)\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $0\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section \">\n<p>\n <span><br \/>\n Fees<br \/>\n <\/span>\n <\/p>\n<p>\n $10 monthly fee (with options to waive)\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"6142497013cd0400189df577\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"6142497013cd0400189df577-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/614210d62db0850019a98edc?width=400\" alt=\"UFB Direct UFB Best Money Market Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/614210d62db0850019a98edc?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Fees<br \/>\n <\/span>\n <\/p>\n<p>\n $10 monthly fee (with options to waive)\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.21% (as of 01\/18\/2023)\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $0\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"6142497013cd0400189df577\" data-analytics-product-brand=\"UFB Direct\" data-analytics-product-name=\"UFB Best Money Market Account\" data-analytics-product-index=\"110\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No minimum opening deposit<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">High interest rate<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Check writing included<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Debit card option<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">Possible to waive monthly maintenance fees<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">$10 monthly service fee<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"6142497013cd0400189df577\" data-analytics-product-brand=\"UFB Direct\" data-analytics-product-name=\"UFB Best Money Market Account\" data-analytics-product-index=\"110\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Earn up to 4.21% APY*.<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">No monthly maintenance fees.<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">No minimum deposit required to open an account.<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Access your funds 24\/7 with easy-to-use digital banking tools.<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">FDIC insured through Axos Bank<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">* The Annual Percentage Yield (APY) is accurate as of 01\/18\/2023. The interest rate and corresponding APY for savings is variable and is set at UFB’s discretion. This is a tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out: <\/strong>You may like the <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"6142497013cd0400189df577\" data-analytics-product-brand=\"UFB Direct\" data-analytics-product-name=\"UFB Best Money Market Account\" href=\"https:\/\/affiliate.insider.com\/?u=https%3A%2F%2Fclick.linksynergy.com%2Ffs-bin%2Fclick%3Fid%3Doy9GXV3IvUc%26offerid%3D1099945.10%26type%3D3%26subid%3D0&amazonTrackingID=biauto-60817-20&site=bi&postID=63cab048930554523a48da26&platform=browser&sc=false&disabled=false\" data-analytics-module=\"body_link\">UFB Best Money Market Account<\/a> if you would like a money market account that includes paper checks and a debit card.<\/p>\n<p>You’ll earn a high interest rate on the account, but there’s a $10 monthly service fee if you don’t maintain an account balance of at least $5,000.\u00a0<\/p>\n<p><strong>Rate:<\/strong>\u00a0 4.21% (as of 01\/18\/2023) APY<\/p>\n<p><strong>What to look out for:\u00a0<\/strong>If you don’t think you can maintain at least $5,000 in your account to avoid the monthly service fee, there are other banks that have lower minimum balance requirements or no monthly service fees.<\/p>\n<p>Keep in mind that UFB Direct only offers a high-yield savings account and a money market account. If you would also like to open a checking account or CD with the same institution, another bank may be a better fit.<\/p>\n<h3><a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"62ea976a66444c0012037aeb\" data-analytics-product-brand=\"Vio Bank\" data-analytics-product-name=\"Vio Bank Cornerstone Money Market Savings Account\" href=\"https:\/\/www.viobank.com\/cornerstone-money-market-savings?gclid=Cj0KCQjwuaiXBhCCARIsAKZLt3n8yncw41VnPIThiYAD8BBp4rODAQQWdXJaRsWmqGa93tTXvQj0s6kaAmZxEALw_wcB\">Vio Bank Cornerstone Money Market Savings Account<\/a><\/h3>\n<div class=\"financial-product-card-v2 d-block d-md-none amp-mobile-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__content-section content-section-border\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"62ea976a66444c0012037aeb-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/62ea986dc6987600183c6d98?width=400\" alt=\"Vio Bank Vio Bank Cornerstone Money Market Savings Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/62ea986dc6987600183c6d98?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section justify-content-center\">\n<p>Vio Bank Cornerstone Money Market Savings Account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.17%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $100\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2 d-none d-md-block amp-desktop-product-card\" data-component-type=\"product-card-v2\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column financial-product-card-v2__left-column\">\n<div class=\"financial-product-card-v2__content-section content-section-border margin-separate-lines\">\n<div class=\"financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__card-image\" id=\"62ea976a66444c0012037aeb-desktop-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/62ea986dc6987600183c6d98?width=400\" alt=\"Vio Bank Vio Bank Cornerstone Money Market Savings Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/62ea986dc6987600183c6d98?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__column financial-product-card-v2__product-title-section\">\n<p>Vio Bank Cornerstone Money Market Savings Account<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__content-section\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<div class=\"financial-product-card-v2__column\">\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.17%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section card-detail-margin\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $100\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content\">\n<div class=\"full-details\" id=\"62ea976a66444c0012037aeb\">\n<div id=\"modal-image-content-section\">\n<div class=\"financial-product-card-v2__row justify-content-center modal-image-row\">\n<div class=\"modal-image\">\n<div class=\"financial-product-card-v2__card-image\" id=\"62ea976a66444c0012037aeb-image\">\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 181 \/ 289)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/62ea986dc6987600183c6d98?width=400\" alt=\"Vio Bank Vio Bank Cornerstone Money Market Savings Account\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/62ea986dc6987600183c6d98?width=400\"\/><br \/>\n <\/noscript><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_card\">\n<p><h4 class=\"modal-section-title\">Details<\/h4>\n<\/p>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Annual Percentage Yield (APY)<br \/>\n <\/span>\n <\/p>\n<p>\n 4.17%\n <\/p>\n<\/p><\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__modal_content-section-with-border\">\n<p>\n <span><br \/>\n Minimum Deposit Amount<br \/>\n <\/span>\n <\/p>\n<p>\n $100\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-pros-cons\" data-analytics-product-id=\"62ea976a66444c0012037aeb\" data-analytics-product-brand=\"Vio Bank\" data-analytics-product-name=\"Vio Bank Cornerstone Money Market Savings Account\" data-analytics-product-index=\"117\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"pros_cons\">\n<div class=\"financial-product-card-v2__row justify-content-between \">\n<h4 class=\"modal-section-title\">Pros & Cons<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"pros-cons\">\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">High interest rate<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row financial-product-card-v2__modal_content-section \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">$100 minimum opening deposit<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__row spacing-below-32 \">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 16.4 12.4\"><\/p>\n<p> <title>Check mark icon<\/title>\n <desc>A check mark. It indicates a confirmation of your intended interaction.<\/desc><\/p>\n<path class=\"check\" fill=\"none\" stroke=\"#096FFA\" stroke-linecap=\"square\" d=\"M.7 6.2l4.9 5.5L15.7.7\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No monthly fee if you sign up for online statements<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">$5 monthly fee if you receive paper statements<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No physical branch locations<\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No checks <\/span>\n <\/div>\n<div class=\"financial-product-card-v2__modal_content-section financial-product-card-v2__row\">\n<div class=\"financial-product-card-v2__column justify-content-center\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon check-icon pro-check-icon\" width=\"14\" height=\"2\" fill=\"none\">\n <title>Dash icon<\/title>\n <desc>A dash. It often indicates an interaction to shrink a section.<\/desc>\n <path d=\"M0 1h14\" stroke=\"#111\" stroke-width=\"2\"\/>\n <\/svg> <\/div>\n<p> <span class=\"modal-text-content\">No debit card<\/span>\n <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section toggle-highlights\" data-analytics-product-id=\"62ea976a66444c0012037aeb\" data-analytics-product-brand=\"Vio Bank\" data-analytics-product-name=\"Vio Bank Cornerstone Money Market Savings Account\" data-analytics-product-index=\"117\" data-analytics-product-module=\"financial_product_card\" data-analytics-product-area=\"highlights\">\n<div class=\"financial-product-card-v2__row justify-content-between\">\n<h4 class=\"modal-section-title\">Highlights<\/h4>\n<p> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"svg-icon chevron-icon \" data-chevron-icon=\"\" role=\"img\" width=\"1em\" height=\"1em\" viewbox=\"0 0 14.4 8.4\" id=\"chevron-icon\">\n <title>Chevron icon<\/title>\n <desc>It indicates an expandable section or menu, or sometimes previous \/ next navigation options.<\/desc><\/p>\n<path class=\"chevron\" fill=\"none\" stroke=\"#111\" stroke-linecap=\"square\" d=\"M.7.7l6.5 7 6.5-7\"\/>\n <\/svg> <\/div>\n<\/p><\/div>\n<div class=\"collapsible-section-body hidden\" id=\"highlights\">\n<div class=\"typography\">\n<ul class=\"square-bullet product-card-list\">\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">No monthly service fee, but you’ll pay a $5 monthly fee if you get paper bank statements<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">Interest compounded daily, paid monthly<\/li>\n<li class=\"product-card-list-item ignore-typography headline-regular modal-text-content\">FDIC insured<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Why it stands out:\u00a0<\/strong>The <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"62ea976a66444c0012037aeb\" data-analytics-product-brand=\"Vio Bank\" data-analytics-product-name=\"Vio Bank Cornerstone Money Market Savings Account\" href=\"https:\/\/www.viobank.com\/cornerstone-money-market-savings?gclid=Cj0KCQjwuaiXBhCCARIsAKZLt3n8yncw41VnPIThiYAD8BBp4rODAQQWdXJaRsWmqGa93tTXvQj0s6kaAmZxEALw_wcB\" data-analytics-module=\"body_link\">Vio Bank Cornerstone Money Market Savings Account<\/a> account might be a good choice if you want to open a money market account with a low initial deposit. It also offers a higher interest rate than the <a href=\"https:\/\/www.businessinsider.com\/personal-finance\/average-bank-interest-rates\" data-analytics-module=\"body_link\" rel=\"\">average money market account<\/a>.\u00a0<\/p>\n<p><strong>Rate:<\/strong> 4.17% APY<\/p>\n<p><strong>What to look out for: <\/strong>Usually money market accounts come with an ATM card, debit card, or paper checks, but the <a target=\"_blank\" rel=\"nofollow noopener\" data-analytics-product-module=\"commerce_shortcode\" data-analytics-product-id=\"62ea976a66444c0012037aeb\" data-analytics-product-brand=\"Vio Bank\" data-analytics-product-name=\"Vio Bank Cornerstone Money Market Savings Account\" href=\"https:\/\/www.viobank.com\/cornerstone-money-market-savings?gclid=Cj0KCQjwuaiXBhCCARIsAKZLt3n8yncw41VnPIThiYAD8BBp4rODAQQWdXJaRsWmqGa93tTXvQj0s6kaAmZxEALw_wcB\" data-analytics-module=\"body_link\">Vio Bank Cornerstone Money Market Savings Account<\/a> doesn’t have these features. If you need to withdraw money from your account, you’ll have to transfer money to another bank account.<\/p>\n<p> <iframe src=\"https:\/\/products.gobankingrates.com\/pub\/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?resize=1&ident=99\" data-ident=\"99\" scrolling=\"no\" frameborder=\"0\" width=\"100%\" style=\"min-width:300px;max-width:595px;max-height:475px;\"><br \/>\n <\/iframe><\/p>\n<section class=\"post-authors\" data-component-type=\"post-author\">\n<div class=\"post-author\">\n <a id=\"post-author_profile-link\" href=\"https:\/\/www.businessinsider.com\/author\/sophia-acevedo\" target=\"_blank\" data-analytics-product-module=\"author-bio\" rel=\"noopener\"><\/p>\n<p> <\/a><\/p>\n<div class=\"post-author_info\">\n<div class=\"post-author_top\">\n <a id=\"post-author_name-link\" class=\"post-author_link not-content-link\" href=\"https:\/\/www.businessinsider.com\/author\/sophia-acevedo\" target=\"_blank\" data-analytics-product-module=\"author-bio\" rel=\"noopener\"><\/p>\n<p>Sophia Acevedo, CEPF<\/p>\n<p> <\/a><\/p>\n<p>Banking Reporter<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<div class=\"featured-products sticky-featured-product\">\n<h3 class=\"featured-products-heading\">Top Offers From Our Partners<\/h3>\n<div class=\"featured-product\">\n <a href=\"https:\/\/products.gobankingrates.com\/pub\/154d9b95-00a5-11ec-a8c2-0e0b1012e14d?targeting[company_product]=capitalone-savings\" target=\"_blank\" data-analytics-product-area=\"image\" data-analytics-product-module=\"featured_product\" data-analytics-product-index=\"1\" data-analytics-product-brand=\"Capital One\" data-analytics-product-name=\"Capital One 360 Performance Savings\" data-analytics-product-id=\"5ec680c04dca68335c5a5437\" class=\"featured-product-image not-content-link\" rel=\"noopener\"><\/p>\n<div class=\"lazy-holder lazy-holder \" style=\"padding-top: calc(100% * 95 \/ 149)\">\n<p> <img class=\"lazy-image \" viewbox=\"0 0 1 1\" src=\"https:\/\/i.insider.com\/5ec6808d4dca6833564278e5\" alt=\"\"\/><\/p>\n<p> <noscript><br \/>\n <img src=\"https:\/\/i.insider.com\/5ec6808d4dca6833564278e5\"\/><br \/>\n <\/noscript><\/p><\/div>\n<p> <\/a><\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n\n<br \/><a href=\"https:\/\/news.google.com\/__i\/rss\/rd\/articles\/CBMiZWh0dHBzOi8vd3d3LmJ1c2luZXNzaW5zaWRlci5jb20vcGVyc29uYWwtZmluYW5jZS90b2RheXMtYmVzdC1oaWdoLWludGVyZXN0LWFjY291bnRzLWphbnVhcnktMjItMjAyMy0x0gEA?oc=5\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Insider’s experts choose the best products and services to help make smart decisions with your money (here\u2019s how). In some cases, we receive a commission from our partners, however, our opinions are our own. Terms apply to offers listed on this page. The average interest rate paid by a savings account right now is 0.33% …<\/p>\n","protected":false},"author":1,"featured_media":45183,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[161],"tags":[],"_links":{"self":[{"href":"http:\/\/www.brandon.ddtest.info\/multisite-test\/wp-json\/wp\/v2\/posts\/45182"}],"collection":[{"href":"http:\/\/www.brandon.ddtest.info\/multisite-test\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.brandon.ddtest.info\/multisite-test\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.brandon.ddtest.info\/multisite-test\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.brandon.ddtest.info\/multisite-test\/wp-json\/wp\/v2\/comments?post=45182"}],"version-history":[{"count":0,"href":"http:\/\/www.brandon.ddtest.info\/multisite-test\/wp-json\/wp\/v2\/posts\/45182\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.brandon.ddtest.info\/multisite-test\/wp-json\/wp\/v2\/media\/45183"}],"wp:attachment":[{"href":"http:\/\/www.brandon.ddtest.info\/multisite-test\/wp-json\/wp\/v2\/media?parent=45182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.brandon.ddtest.info\/multisite-test\/wp-json\/wp\/v2\/categories?post=45182"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.brandon.ddtest.info\/multisite-test\/wp-json\/wp\/v2\/tags?post=45182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}