Current price of silver as of Tuesday, December 2, 2025
At 8:15 a.m. Eastern Time on December 2, 2025, silver stood at $57.60 per ounce. That marks a $0.01 increase from this time yesterday and more than a $27 rise compared with one year ago.Silver price per ounce% ChangePrice of silver yesterday$57.590.00%Price of silver 1 month ago$48.70+18.27%Price of silver 1 year ago$30.51+88.79%Price of silver yesterdaySilver price per ounce$57.59% Change0.00%Price of silver 1 month agoSilver price per ounce$48.70% Change+18.27%Price of silver 1 year agoSilver price per ounce$30.51% Change+88.79%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical silver performance Silver isn’t a shortcut to quick wealth. Over extended periods, it lags traditional equities significantly. Since 1921, silver’s value has underperformed the S&P 500 by roughly 96%. In practical terms, an equal investment split between silver and stocks back then would mean the silver portion would be worth something in the realm of 96% less than your stock. However, silver is viewed as a relatively stable asset suited to preserve purchasing power. Often called a “store of value,” it generally holds up in inflationary environments. It can act as a buoy for your funds when inflation rises. Compared with gold, silver exhibits more volatility. Gold’s primary role is as a value haven—whereas silver also serves many industrial uses. Because of this industrial demand, swings can have a more pronounced impact on silver’s pricing.What does “spot silver” mean? Simply put, the “spot silver” price reflects the rate at which silver can be bought or sold instantly. But in practice, you’ll usually pay above spot to cover markups, shipping, insurance, and other expenses. Investors track the spot price as a benchmark for real-time demand and market trends. A higher spot rate shows elevated demand.What is “price spread” in silver trading? The “price spread” refers to the gap between silver’s purchase and sale prices. Key terms include: Ask price.This refers to what you pay to acquire silver Bid price.This refers to what you receive when you sell silver As expected, the bid price sits below the ask price. A narrow spread indicates high demand for silver. How to invest in silver You have options if you’re looking to put your money in silver. Broadly, these can be categorized as physical ownership or silver exchange-traded funds (ETFs). ETFs are more common and let you purchase shares in a fund that holds silver, removing the need to handle storage or insurance personally. Common silver investments include: Silver bullion.This includes bars or rounds sold by weight and purity. Silver coins.Think minted currency like American Silver Eagles or Silver Maple Leafs, often priced with a premium for rarity and government guarantee. Silver jewelry. Specifically, crafted pieces that are worth more than equivalent-purity bullion. Silver mining stocks.This type of investment refers to shares in companies that extract silver, giving you indirect exposure. On exchanges, silver bullion and coins must meet the “three nines fine” standard (99.9% purity). Anything less is generally treated as collectible or industrial grade. Read our post on the best silver IRA companies for more details on the best way to invest in precious metals.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }Is it a good time to invest in silver? In 2025, silver’s price has climbed nearly 25% year-to-date, reaching levels unseen in the past decade. Whether it’s the right time to buy depends on your outlook. If inflation concerns weigh on you, precious metals can act as hedge. Likewise, anticipated surges in industrial demand—from renewable energy to electronics—could potentially fuel further gains. Current precious metals prices as of 8:15 a.m. ET on December 2, 2025 Precious metal Price per ounceGold$4,204.57Silver$57.60Platinum$1,628.18Palladium$1,443.27GoldPrice per ounce$4,204.57SilverPrice per ounce$57.60PlatinumPrice per ounce$1,628.18PalladiumPrice per ounce$1,443.27Gold, platinum, and palladium are still very popular with investors. Platinum and palladium often mirror silver’s volatility; their smaller markets magnify price swings. Gold, by contrast, tends to be the least volatile of the four.Pro tipPrefer gold? Check out our list of the best gold IRA companies.The takeaway With ongoing economic uncertainty, precious metals are worth considering. Silver’s 2025 performance has outpaced gold’s, and many analysts predict the likelihood of further upside—potentially driving silver to record highs. Given its affordability relative to gold, silver is an accessible entry point into the world of precious metal investing. Whether you choose physical coins and bars, ETFs, or mining stocks, you can set yourself up to benefit from the next silver rally.Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Advisors generally recommend allocating not more than 10% to 15% to silver, keeping total precious-metals exposure at or below 20%.Can silver be held in an IRA?Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA. That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.What’s driving silver prices in 2025? A mix of constrained supply and rising industrial demand, plus investor demand, has pushed silver prices higher this year. Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current mortgage rates report for Nov. 24, 2025: Rates appear to be in holding pattern
The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.236%, according to data available from mortgage data company Optimal Blue. That’s less than a full basis point of change from the prior day’s report, and down roughly 2 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.236%One week ago6.215%One month ago6.149%30-year jumboCurrent rate6.514%One week ago6.611%One month ago6.343%30-year FHACurrent rate6.129%One week ago6.061%One month ago6.049%30-year VACurrent rate5.896%One week ago5.851%One month ago5.778%30-year USDACurrent rate6.008%One week ago6.048%One month ago6.081%15-year conventionalCurrent rate5.520%One week ago5.566%One month ago5.471%Note thatFortunereviewed Optimal Blue’s latest available data on Nov. 21, with the numbers reflecting home loans locked in as of Nov. 20. What’s happening with mortgage rates in the market?If it feels like 30-year mortgage rates have been stuck near 7% forever, that’s not far from the truth. Many observers were hoping that rates would soften when the Federal Reserve started cutting the federal funds rate in September 2024, but that didn’t happen. There was a brief dip preceding that meeting, but rates shot back up afterward.In fact, by January 2025 the average rate on a 30-year, fixed-rate mortgage topped 7% for the first time since last May, according to Freddie Mac data. That’s a far cry from the historic average low of 2.65% we saw in January 2021, when the government was still trying to stimulate the economy and stave off a pandemic-induced recession. Barring another massive catastrophe, experts agree we won’t see rates in the 2% to 3% range in our lifetimes. And right now, with President Donald Trump pursuing policies such as tariffs and deportations, some observers have feared the labor market could tighten and inflation could reignite. Against that backdrop, U.S. homebuyers have been stuck with high mortgage rates—though some found ways to make their purchase more affordable, such as negotiating rate buydowns with a builder when purchasing newly constructed housing.But, homebuyers (and homeowners considering refinancing) finally got some relief starting in late August and early September of 2025. Leading up to the Fed’s Sept. 16-17 meeting, mortgage rates started trending noticeably downward in anticipation that the central bank would reduce the federal funds rate.The Fed did indeed deliver the expected cut, reducing its benchmark rate by a quarter percentage point—the first cut of 2025. Then, it made a second cut of the same amount at the end of October.With another meeting set for December, the potential remains for at least one more reduction in the federal funds rate during 2025.How to get the best mortgage rate possibleWhile economic conditions are out of your control, your financial profile as an applicant has a major impact on the mortgage rate you get. With that in mind, strive to do the following:Ensure your credit is in excellent shape.The minimum credit score to get a conventional mortgage is generally 620 (for FHA loans, you may be able to qualify with a score of 580 or a score as low as 500 and a 10% down payment). But, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score quite a bit higher. For example, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier. Keep your debt-to-income (DTI) ratio low.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. It’s typically best when applying for a mortgage to have a DTI of 36% or below, though you may get approved with a DTI as high as 43%.Get prequalified with multiple lenders.You may wish to try a mix of large banks, local credit unions, and online lenders and compare offers. Plus, getting connected with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will be best able to meet your needs. Just make sure when you’re comparing rates that you’re doing it in a way that’s apples to apples—if one estimate relies on you purchasing mortgage discount points and another does not, it’s important to realize there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartRates feel high because practically everyone recalls the ultra-low rates that prevailed over the last 15 years or so. A unique set of historical circumstances drove that market: The long period when the Fed held its key rate at zero to recover from the Great Recession, followed by the unprecedented policies put in place as the country battled the global Covid-19 pandemic.Now that more normal economic conditions prevail, experts agree we’re unlikely to see such dramatically low interest rates again. Taking the long view, rates around 7% are not abnormally high. Consider this St. Louis Fed chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. In the 1990s, 7% rates were more or less the norm. Compared to rates in the 1970s and 80s, 7% rates look like a deal. In fact, September, October, and November of 1981 all saw mortgage interest rates above 18%.Historical context is scant comfort for homeowners who want to move but feel locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners put when they’d otherwise move have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe current state of the U.S. economy is the biggest factor impacting mortgage interest rates. If lenders fear inflation, they raise mortgage rates to protect their long-term profits. Another big-picture factor is the national debt. When the federal government runs large deficits and has to borrow to make up the difference, that can put upward pressure on interest rates.Demand for home loans plays a key role. If demand for loans is low, lenders may lower rates to attract more borrowers. On the other hand, high demand means lenders might decide to raise rates as a way of covering costs for handling a higher volume of loans.And of course, we must consider the Federal Reserve’s actions. The Fed can influence interest rates on financial products such as mortgages both through deciding to hike or cut the federal funds rate and through what actions it decides to take regarding its balance sheet.The federal funds rate gets significant media attention, as increases or decreases to this benchmark rate (which is the rate banks charge each other for borrowing money overnight) often coincide with increases or decreases to the interest rates for home loans and other forms of credit. That said, the Fed does not set rates for mortgages or other credit products directly, and such interest rates do not always track perfectly with the fed funds rate.Another way the Fed influences mortgage rates is via its balance sheet. In times of economic distress, the central bank buys financial assets and holds them on their balance sheet, injecting liquidity into the economy. Mortgage-backed securities (MBS) are a key type of asset for the Fed in such situations. However, the Fed has been slimming down its balance sheet, allowing assets to mature without buying new ones to replace those that have aged off it. That puts an upward pressure on mortgage interest rates. In other words, even though a lot of attention is focused on when the central bank decides to cut or hike the federal funds rate, what the Fed does with its balance sheet may be even more important for those hoping to snag a lower mortgage rate. Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with different lenders are both important steps in getting the best mortgage for your situation.If your credit is in stellar shape, opting for a conventional mortgage might be the best choice for you. But, if your score is sub-600, an FHA loan may give you a chance a conventional loan would not.When it comes to shopping around with different banks, credit unions, and online lenders, it can make a tangible difference in how much you pay. Freddie Mac research shows that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
5 costs to watch for when getting a personal loan
Borrowing money via a personal loan can be a strategic way to hit certain financial goals, such as consolidating high-interest debt from other accounts or paying off emergency car repairs, medical expenses, or vet bills. Plus, responsibly managing installment credit like a personal loan, auto loan or mortgage can help bolster your credit score.However, borrowing money isn’t free. And depending on the lender you choose, it can feel downright exorbitant. Read on and we’ll share five personal loan costs to watch out for. We’ll also examine how to potentially reduce the amount you pay for a personal loan.Unavoidable personal loan costs There is really one main inescapable cost associated with a personal loan—the interest charges.Interest When you’re approved for a loan, the bank will assign you an interest rate largely based on your creditworthiness. Your interest rate will be translated into an annual percentage rate, or APR, which factors in your interest rate plus any applicable fees.You’ll then be set up on an installment plan where you’ll make equal monthly payments until your loan is paid off. The loan’s APR is baked into your monthly payments, meaning that a portion of every installment will go toward interest and a portion toward the principal of the debt.Although interest is unavoidable when taking out a personal loan, there are ways to minimize your out-of-pocket (we’ll cover some strategies in a minute).Avoidable personal loan costsSome ancillary costs are a result of how you manage your personal loan.Late feesTo say nothing of the devastating effects to your credit score, a late payment on your personal loan can result in fees. The exact penalty varies by lender, but you can expect to pay either a percentage of your amount owed or a flat dollar amount. To avoid late fees, it’s wise to put your account on autopay—just in case. This will act as a failsafe in case you forget to make your payment.Early payoff penaltiesSome lenders charge penalties if you pay off your loan before the end of the term. We think this is a borderline predatory fee that penalizes you for trying to get out of debt as quickly as possible. It ensures the financial institution will be compensated if it doesn’t receive every penny of interest you would have paid if you’d simply made the minimum payment each month.If you can help it, stay away from lenders who charge these fees.Lender-specific personal loan costs Similar to early prepayment fees, there are a couple other costs that may be assessed depending on lender. In other words, these are not universally tacked on by all banks. Try to do business with those that don’t charge these fees.Application/administrative feeApplication fees aren’t standard practice among lenders, but they’re still something to watch for. These fees are supposedly to cover the costs associated with processing your loan application. In general, application fees can reach $50; the exact fee will vary by lender.Even more frustrating is the fact that you may have to pay this fee even if your application isn’t approved.Origination feeAnother seemingly arbitrary cost is a loan origination fee. Again, this is not charged by every lender, so do your best to work with one that doesn’t ding you with it.Origination fees are typically between 1% and 10% of your loan amount. Oftentimes, the bank will subtract this fee from the loan amount when depositing funds into your bank, and you’ll pay the full loan amount as agreed upon. If a lender that does assess an origination fee turns out to be your best option, at least try to find one with a fee at the lower end of that range.For example, if you opened a $50,000 loan with an origination fee of 2%, you’d pay a $1,000 origination fee. That means the bank would deposit $49,000 into your bank account—and your outstanding loan balance would be $50,000.Keep the origination fee in mind when calculating the amount of money you want. The origination fee could result in receiving less than you need.How to lower your personal loan costsBeyond steering clear of lenders that levy avoidable charges like origination and application fees, there are steps you can take to lower the price of borrowing money with a personal loan. That’s particularly true if you have a bit of lead time before you need the funds.Work on improving your credit scoreCredit bureaus take factors of your credit usage—payment history, average length of account age, credit utilization, etc.—and from these elements generate a number that indicates how responsible you are with borrowing money. In general, the higher your credit score, the more favorable your loan terms should be. For example, your credit score helps to determine your loan’s interest rate and origination fee (if one applies). Improving your credit score might potentially save you thousands of dollars over the lifetime of your loan.Adjust your term lengthYour loan term is the length of time you’ve got to pay back the money you owe. With a bit of strategy, your term might help you pay off your loan considerably faster.For example, some lenders will charge you a lower interest rate if your repayment term is shorter. Alternatively, you could choose the loan with the longest term to lower your monthly installment amount and then decide to pay extra on the principal each month. The sooner you pay off your loan in full, the less interest you’ll end up paying over the life of the loan.Rate shopDon’t necessarily accept the first loan offer you see. It’s important to compare lenders to find the most favorable loan for your situation. Many lenders will give you the opportunity to be preapproved for a loan. This should reveal your proposed loan terms, such as repayment schedule, APR, and borrowing amount.Put your loan on autopayUsing autopay with your loan will save you from paying late fees—and it can also lower your interest rate with some lenders. For example, LightStream offers a 0.50%-point discount for those with autopay as of this writing.Only take out what you needYou may think there’s no harm in taking out a loan larger than what you need. In truth, there can occasionally be some benefit to that; if you’re low on savings, requesting a larger loan can give you the funds you need to stay current on your bills in the event that you go through a financial hardship. But, understand that this strategy will result in paying more interest in the long run.Best personal loans for low fees Best forInstitutionLoan amountMax loan termAPR (with eligible discounts)Learn moreLonger repayment termsLightStream$5,000-$100,000240 months6.24%–24.89%View offerat BankrateFee-sensitive borrowersWells Fargo$3,000-$100,00084 months6.74%-26.49%View offerat BankrateLow maximum APRPenFed Credit Union$600-$50,00060 months6.99%-17.99%View offerat BankratePreapprovalAmerican Express$3,500-$50,00060 months6.99%-19.99%View offerat American ExpressSmall loan amountTD Bank$2,000-$50,00060 months7.99%-23.99%View offerat TD BankLonger repayment termsView offerat BankrateInstitutionLightStreamLoan amount$5,000-$100,000Max loan term240 monthsAPR (with eligible discounts)6.24%–24.89%Fee-sensitive borrowersView offerat BankrateInstitutionWells FargoLoan amount$3,000-$100,000Max loan term84 monthsAPR (with eligible discounts)6.74%-26.49%Low maximum APRView offerat BankrateInstitutionPenFed Credit UnionLoan amount$600-$50,000Max loan term60 monthsAPR (with eligible discounts)6.99%-17.99%PreapprovalView offerat American ExpressInstitutionAmerican ExpressLoan amount$3,500-$50,000Max loan term60 monthsAPR (with eligible discounts)6.99%-19.99%Small loan amountView offerat TD BankInstitutionTD BankLoan amount$2,000-$50,000Max loan term60 monthsAPR (with eligible discounts)7.99%-23.99%Loan details checked Nov. 12, 2025The takeaway Personal loans aren’t free. You’re guaranteed to have to pay interest charges each month (a component of your monthly payment along with a portion that goes to the debt’s principal) until you’ve fully repaid your lender. And depending on the bank you choose and the way you manage your loan, you could also pay origination fees, late fees, and more.Choose a lender that is light on fees and provides reasonable APR and repayment terms. And pay off your loan as quickly as you can to minimize the interest you incur.Learn moreRead our breakdown of the pros and cons of personal loans.Frequently asked questionsWhat’s the difference between APR and interest rate?A personal loan’s interest rate indicates the amount of interest you’ll pay for borrowing money. Its annual percentage rate (APR) indicates the interest rate plus any other costs, such as fees.Is it worth paying off my personal loan early if there’s a prepayment penalty?The answer as to whether it’s worth eating a prepayment fee to save on interest depends entirely on which will save you more money. If a prepayment fee is more than the interest you’d shell out for making monthly minimum payments on your loan, then it’s not worth paying off your loan early.When is a payment considered late on a personal loan?Your payment is late if it’s not paid by the due date. There may be a grace period of up to 30 days before the lender reports you as late to the credit bureaus—but you could be assessed a late fee almost immediately.What costs should I watch for when getting a personal loan?You should consider all costs associated with a personal loan, including interest and late fees. And you should be particularly wary of lenders that charge additional penalties, such as early payoff fees, application fees, and origination fees.Do all personal loan lenders charge origination fees?No, not all personal loan lenders charge origination fees. For this reason, consumers will oftentimes do well to shop around and select a lender that doesn’t charge this fee.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.
Current price of gold as of December 1, 2025
The price of gold was trading at $4,249 per ounce as of 9 a.m. Eastern Time on December 1, 2025. That’s a $5 increase from the same time yesterday and a $1,610 increase from a year ago. Gold price per ounce% ChangePrice of gold yesterday$4,245-0.09%Price of gold 1 month ago$3,864-9.06%Price of gold 1 year ago$2,639-37.89%Price of gold yesterdayGold price per ounce$4,245% Change-0.09%Price of gold 1 month agoGold price per ounce$3,864% Change-9.06%Price of gold 1 year agoGold price per ounce$2,639% Change-37.89%If you’re looking for an investment that is not tied directly to the variance of inflation, gold may be the right choice. In general, gold as an asset is typically expected to increase in value over time. One of the most common ways to purchase and manage gold is through a gold IRA, which can serve as a steadying force in a portfolio amid volatile markets. This may also be a good choice for those who want to invest in gold without the challenge of having to make storage arrangements for physical gold bullion.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical gold price chartGold is not always a home run investment. In a strong economy, stocks can perform better in the short and long term. From 1971 to 2024, the stock market delivered average annual returns of 10.7%. Gold delivered an average annual return of 7.9% over the same period.However, during times of economic uncertainty, gold is a solid option as a risk-averse investment. For this reason, some may prefer to think of it as a store of value as opposed to an investment in the way that stocks and bonds are.What does “spot gold” mean?The spot gold price is the price to buy or sell gold immediately in an over-the-counter trade. This is an effective way for investors to monitor the demands and trends of gold investment at that time. Simply stated, a higher spot gold price means there is higher demand for gold in the marketplace. Notably, unlike futures contracts, the spot price is for an immediate sale. When the future price is higher than the spot price, it is called contango. This is common when investing in commodities that have a high storage cost. When the futures price is lower than the spot price, it is called backwardation.There are plenty of different factors that can impact the spot price, which is why that figure is constantly shifting up and down. Those looking to invest in gold need to be able to deal with this level of price fluctuation.What is price spread in gold trading?A price spread is the difference between an asset’s offered purchase price vs. the price offered to sell it. Similarly, in gold investing, the two key terms are ask price and bid price. The ask price is how much it costs to buy the gold, while the bid price is how much it can be sold for. Bid prices are always lower than ask prices.The lower the spread between these two prices, the more liquid the market is. If there is a relatively small spread, that means the demand for gold is on the rise.How to invest in goldIf investing in gold immediately leads to an image of Scrooge McDuck olympic diving into a pile of coins, that’s only half right. While there are opportunities to buy physical gold bars, coins or jewelry, gold is often traded as exchange-traded funds (ETF).James Taska, a fee-based financial advisor, said, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.” Some of the most common ways to invest in gold include:Gold bars:Often referred to as bullion, this is a popular gold investing method. Offered on a per gram or ounce basis, other qualities including purity, weight, and manufacturer are typically stamped on the face of the bar. Similarly, you may encounter gold rounds.Gold coins:These are collectible coins, such as the American Gold Eagle coin. These often are sold at a higher price than bars of the same weight because they are viewed as collectibles with limited availability in the marketplace.Gold jewelry:Jewelry typically comes with aesthetic, external and subjective value, so the price may be significantly higher than the standard weight value. Gold futures contracts:A futures contract states that the investor will buy a specified amount of gold for a defined price at a future date. Futures allow investors to speculate on the price of gold in the future without needing to handle the actual physical product. Gold funds:These are mutual funds or ETFs that own gold assets. Like other ETFs in a stock portfolio, you can purchase shares in gold funds or any other mutual fund investment, and their value fluctuates based on the changes in the underlying portfolio of assets.Is it a good time to invest in gold?Ultimately, there is a relative subjectivity in determining if now is a better time to invest in gold compared to other periods. However, using gold as a way to diversify your existing portfolio can mitigate the impact of market volatility.In the current economy, gold continues to offer stability in a highly volatile period for the stock market. Prices have risen to all-time highs, with the price rising over 25% since the start of 2025, fueled by ongoing inflation and economic uncertainty. Many experts agree this is a good time to diversify your portfolio with gold.Current precious metals pricesas of 9 a.m. ET on December 1, 2025Precious MetalPrice per ounceGold$4,249Silver$58Platinum$1,681Palladium$1,450GoldPrice per ounce$4,249SilverPrice per ounce$58PlatinumPrice per ounce$1,681PalladiumPrice per ounce$1,450Silver, platinum, and palladium are popular precious metals that investors can hold in portfolios in addition to gold. Gold is typically less volatile than silver, which can have a large price range even within a 24-hour period. Additionally, because silver is a more common resource used across different industries, it is more sensitive to external economic changes.Platinum and palladium are in the same boat as silver. Investors can use these rare metals as a way to diversify a portfolio, but be wary that there is typically much more fluctuation than with gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has been in flux for several years now, and the current period of extended inflation has had a major impact. Gold can serve as an inflationary hedge in an investor’s portfolio. Additionally, because of the variance of acquisition methods, gold can be a relatively easy asset to accumulate based on an investor’s comfort level and interest. Whether you purchase gold as an IRA or as a more active investment account, investing in gold may help achieve both short- and long-term investment objectives.Frequently asked questionsWhat is the best way to own gold?Many investors are buying gold via ETFs, which allows for a managed portfolio of easily traded assets.Is gold a good investment?Gold is often a good investment for investors looking to diversify their portfolio and get a hedge against inflation. There are many ways to buy gold, making it easy to access the investment.Should I buy gold coins or gold bars?Gold coins are considered collectibles and may have a higher value for the weight of gold compared to a bar. Collectible and historical significance can make coins a more attractive asset to some investors. Additionally, U.S. minted coins might help protect investors from the risk of getting fake bars.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current refi mortgage rates report for Nov. 24, 2025
The current average refinance rate on a 30-year, fixed-rate home loan is 6.33%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Current refi rates dataConventional mortgages30-year6.33%20-year6.20%15-year5.56%10-year5.42%Jumbo mortgages30-year6.72%15-year5.89%FHA loans30-year7.25%15-year5.25%VA loans30-year5.86%15-year5.52%Note thatFortunereviewed the most recent Zillow data available as of Nov. 21.How mortgage refinancing worksA mortgage refinance essentially pays off your existing home loan with a new one. Just like when you applied for a mortgage the first time around, you’ll need to apply and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more. Note that this means your credit score will likely take a small hit due to the hard inquiry. And it also means if you don’t meet the lender’s requirements, you can be denied for a refi loan.What’s happening with mortgage rates in the market?Some observers hoped mortgage interest rates would fall in tandem cuts made by the Federal Reserve to the federal funds rate late last year. But, that didn’t happen, and mortgage rates remained stubbornly near the 7% mark—looking at the nationwide average for 30-year, fixed-rate loans—for months.Rates have remained well above the pandemic-era lows, when some homeowners snagged loans with rates in the 2% and 3% range. Many remain locked in, unwilling to move or refinance in the current environment. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners with a mortgage had a rate below 6%.Still, homeowners finally started getting some relief in late August and early September of 2025, when mortgage rates started trending noticeably downward ahead of the Fed’s Sept. 16-17 meeting—at which the central bank delivered the year’s first rate cut. The Fed followed up with a second cut to the federal funds rate at the end of October, as well.When it might make sense to refinance your mortgageAs we’ll cover more in the next section, it’s not free to refi your home loan. So, when does it make sense to accept the upfront costs and refinance? One common guideline is that if you can get a new rate that’s a full percentage point lower than your current rate, it’s worth refinancing. Using recent market conditions as an example, someone who took out a home loan at 7% might find it worth their while to refinance if rates drop and they can get a new loan with a 6% rate.It may also be worth refinancing to tap your home equity through a cash-out refi. Note that you’ll typically need to have at least 20% equity in your home for this. So, if you purchased the place with the 5% minimum down payment—or 3% for first-time homebuyers—typically available on conventional loans, it could take a while before you’re eligible for a cash-out refi.Yet another situation where you might benefit from refinancing is to change your loan term. For example, maybe you took out a 15-year mortgage intending to save on interest charges in the long run in exchange for higher monthly payments. But life is unpredictable, and maybe you’ve decided the monthly payments are spreading your budget too thin. Refinancing to a 30-year loan may offer the flexibility to make smaller monthly payments that fit your budget better.There are also cases where it can make sense to switch loan types. If you have an FHA loan with a lifetime requirement to pay mortgage insurance, for instance, refinancing so you can change your mortgage to a conventional loan could provide an opportunity to ditch that insurance cost (called MIP on an FHA loan or PMI on a conventional). Or, if you initially took out an adjustable-rate mortgage (ARM) and you’ve realized you intend to keep the loan for a significant number of years, refinancing to switch to a fixed-rate mortgage might be a smart way to avoid rate hikes when your ARM’s adjustment period kicks in.Costs to refinance your mortgageMuch like a traditional home loan taken out to purchase a property, refinancing a mortgage involves closing costs that run about 2% to 6% of the loan amount. For instance, if you do a rate-and-term refi on a $300,000 loan, you might pay anywhere from $6,000 to $18,000 in refi closing costs. Here are some of the costs you might see on your refinance loan estimate:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if your current loan servicer charges one).Different types of mortgage refi loansThere are a wide variety of mortgage refinance loans on the market, and the right one for your needs will depend on what you’re aiming to accomplish and what type of mortgage you currently have. Here are some common refi options:Rate-and-term refinance:This is the most popular refi option that allows you to lower your interest rate and/or shorten your loan term. While shortening your loan term does typically earn you a lower rate and hefty lifetime interest savings, you’ll be locked into higher monthly mortgage payments.Cash-out refinance:With a cash-out refi, you can tap your home’s equity by replacing your existing loan balance with a new, larger one and withdraw the difference in cash. You can use the money for home improvements, consolidating high-interest debt or other financial goals.No-closing-cost refinance:With this option, your lender covers your closing costs in exchange for charging you a higher interest rate. If you don’t have cash upfront for closing costs and could otherwise benefit from a refinance, this option may be worth looking into.Streamline refinance:Available to existing FHA, VA and USDA loan borrowers, these refi options involve less documentation and a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneThere’s no requirement that you refinance with the same lender you got your original mortgage from. Thus, it’s worth shopping around for the lowest rate and best service you can find. However, some lenders may offer incentives if you stick with them, such as waiving a portion of the closing costs. Since these charges can be an expensive upfront cost, it’s worth checking with your existing lender about incentives—as that might reduce the barrier to refinancing and allow you to refi more easily than you’d otherwise be able to. Finally, know that if your mortgage was purchased by Fannie Mae or Freddie Mac, you might be eligible for programs such as Refi Now and Refi Possible.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Presidential Bank review 2025: Checking account APY that might be better than your current high-yield savings
You’ve probably never heard of Presidential Bank, a small financial institution located in the Washington, DC area. It’s worth educating yourself. This bank offers generous, highly competitive return rates with its best checking accounts, savings accounts, money market accounts, and more. In our Presidential Bank review, we’ll give you the facts you need to decide whether it’s a good fit for your banking needs. Rates and fees current as of Nov. 21, 2025, and are subject to change.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Presidential BankPresidential BankChecking accounts$5 monthly fee (avoidable)Savings accountsEarn up to 4.00%CD ratesEarn up to 4.00% APYMoney marketOpen with as little as $1,000View offerat MoneyLionCompany insightsYear Founded: 1985Company Headquarters: Bethesda, MDCEO: Bruce ClevelandWho is Presidential Bank good for? Presidential Bank is likely a good option for anyone in search of a generous return rate on every deposit account. Whether you’re after checking, savings, CDs, or money market accounts, Presidential Bank is at or near the top of the heap in terms of APY.Presidential Bank can also be a great choice for those who want to keep all their banking at one establishment. Oftentimes, banks that offer return rates this generous are not full-service financial institutions—offering limited account types. Presidential offers just about anything you could want, from mortgages to lines of credit.Who shouldn’t use Presidential Bank? Primarily serving the Washington, DC area, Presidential Bank only offers a handful of brick-and-mortar locations around the nation’s capital and in Maryland and Virginia. If you don’t live near one of these areas, you won’t be able to bank in-person. That could be a deal-breaker for some would-be customers, especially as not all accounts can be opened online. Additionally, the best account options tend to come with hefty minimum deposit and balance requirements. If you’re only working with a few hundred dollars to start with, Presidential Bank may not serve you well. N/AProsTop-tier checking account APYHealthy number of CD termsSavings accounts have no transfer limitationsConsNot all account types can be opened onlineLimited physical branchesSome accounts require considerable balances to avoid feesPresidential Bank rates and productsPresidential Bank has an unusually large selection of deposit accounts, including four checking accounts, two savings accounts, and two money market accounts (MMAs). With every account type, it’s possible to get high-octane returns—though some require significant minimum deposits. Checking accountsUp to 4.12% APYSavings accountsUp to 4.00% APYCDsUp to 4.00% APYMoney Market Up to 3.87% APYBank details checked Nov. 21, 2025.Checking accountsPresidential Bank provides a whopping four checking account options. Three can be opened online—but the bank’s Regular Checking can only be opened in-branch.Most interesting is the Advantage Checking account which offers higher APY than even many high-yield savings accounts. But, to be eligible for the maximum return, you must receive a $500 + monthly direct deposit and make 7+ electronic withdrawals per month. The Advantage Checking account also unlocks the bank’s highest savings account APY, which we’ll provide more details on in a minute.Presidential Bank checking account featuresAccount opening bonus N/AMinimum opening deposit$100 –$1,500Monthly fees$5 (avoidable)APYUp to 4.12%Overdraft fees$25 (overdraft protection at $5.00 per transfer)Bank details checked Nov. 21, 2025.Advantage Checking account features:Minimum opening deposit:$500 Monthly fees:$5 (waived with $500+ monthly balance) APY:4.12% for balances up to $25,000 3.12% for higher balances 0.10% for accounts that don’t meet monthly requirements Transaction limitations:Only three checks per month (then $3 per check) Paper checks:Yes Overdraft fees:$25 (or overdraft protection at $5 per transfer) Out-of-network ATM fees:$0 (monthly $8 in reimbursements to offset ATM-operator surcharge) Checking PLUS account features:Minimum opening deposit:$1,500 Monthly fees:$5 (waived with $1,000 balance) APY:0.12% for balances up to $25,000 0.10% for higher balances Paper checks:Yes Overdraft fees:$25 (or overdraft protection at $5.00 per transfer) Out-of-network ATM fees:$0 Regular Checking account features:Minimum opening deposit:$100 Monthly fees:$5 (waived with $100+ monthly balance) APY:N/A Overdraft fees:$25 (or overdraft protection at $5 per transfer) Out-of-network ATM fees:$0 Special Checking account features:Minimum opening deposit:$500Monthly fees:$5 (waived with $500+ monthly balance) APY:0.12% for balances up to $1,000 0.10% for higher balances Paper checks:Yes (unlimited check writing ability) Overdraft fees: $25 (or overdraft protection at $5 per transfer) #qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer174 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer174 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer174 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer174 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer174 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer174 .listing:first-child { margin-top: 0; } #qsWidgetContainer174 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer174 .logo-column.flex-container, #qsWidgetContainer174 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer174 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer174 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer174 .apy-label, #qsWidgetContainer174 .curDate, #qsWidgetContainer174 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer174 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer174 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer174 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer174 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer174 .prop-value-container { align-items: stretch; } #qsWidgetContainer174 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer174 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer174 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer174 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer174 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer174 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer174 #sh-star-icon { top: -2px; } #qsWidgetContainer174 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer174 #see_more_carrier, #qsWidgetContainer174 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer174 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer174 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer174 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer174 .shmktpl-sponsored, #qsWidgetContainer174 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer174 .sh-logo { flex-shrink: 1; } #qsWidgetContainer174 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer174 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer174 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer174 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer174 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer174 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer174 .sh-first-product .sh-btn__text, #qsWidgetContainer174 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer174 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer174 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Savings accountsYou’ll have two savings account options to choose from at Presidential Bank: Advantage Savings and Premier Savings. Neither account comes with transfer limits. This differs from savings accounts at many other financial institutions which typically limit the number of times you can access your money each month. The Advantage Savings account comes with far and away the higher APY of the two. Again, you can qualify for the highest return when you’ve also got an Advantage Checking account. Presidential Bank savings account featuresAccount opening bonus N/AMinimum opening deposit$500 –$5,000 Monthly fees$0APYUp to 4.00%Overdraft fees$0Bank details checked Nov. 21, 2025.Advantage Savings account features:Minimum opening deposit:$5,000Minimum balance:$0Monthly fees:$0APY:4.00% with an Advantage Checking account (otherwise 3.50%) Transfer limitations:None Premier Savings account features:Minimum opening deposit:$500Minimum balance:$0Monthly fees:$0APY:0.50% on balances up to $35,000; 0.35% on higher balances Transfer limitations:None Money market accountsMoney market accounts can be thought of as a cross between a savings account (which traditionally comes with higher APY than a checking account) and a checking account (which gives you more flexibility to access your funds). Pro tipLearn more about the differences between MMAs and savings accounts.Presidential Bank offers two MMAs, the Money Market Advantage Checking and the Money Market Checking account. The latter can only be opened in-branch. Each allows you to spend your money via debit card and paper checks. In fact, you’ll receive unlimited free checks with these accounts—something no other Presidential Bank deposit accounts offer. Presidential Bank MMA featuresMinimum opening deposit$1,000 –$25,000Minimum balance$0Monthly fees$5 (avoidable)APYUp to 3.87%Overdraft fees$0Bank details checked Nov. 21, 2025.Money Market Advantage Checking features:Minimum opening deposit:$25,000Minimum balance:$0Monthly fees:$5 (waived with $25,000 balance) APY:0.10% on balances under $25,000 3.87% on balances between $25,000 and $250,000 1.50% on higher balances Transaction limitations:None Money Market Checking features:Minimum opening deposit:$1,000 Minimum balance:$0Monthly fees:$5 (waived with $500 balance) APY:0.15% on balances under $1,000 0.25% on balances of $1,000 to $9,999.99 0.30% on balances of $10,000+ Transaction limitations:None Certificates of depositPresidential Bank offers two types of CDs: Standard and IRA CDs. You can choose from 10 standard CD terms and four IRA CD terms. These CDs are relatively straightforward (you won’t find specialty options like bump-up, flex, or jumbo CDs), but there’s one curious exception: The 7-month CD requires that you use new money to open it. In other words, you can’t open it with money already stored with Presidential Bank. Of course, you’ll also be subject to early withdrawal penalties if you try to access money before your account matures. Depending on the length of your account term, you’ll pay between 30 days’ and 24 months’ interest. Presidential Bank CD featuresMinimum opening deposit$1,000Available term lengths30, 60, 90, 182 days; 7, 9 12, 24, 36, 60 monthsAPYUp to 4.25%Early withdrawal penalty– Terms between 30 and 60 days: 30 days’ interest – Terms between 90 days and 7 months: 3 months’ interest – Terms of 9 months: 4 months’ interest – Terms of 1 year: 6 months’ interest – Terms of 2 years: 12 months’ interest – Terms of 3 years: 18 months’ interest – Terms of 5 years: 24 months’ interestGrace period– Terms of 30 days: 1 business day – Terms of 60 days to 5 years: 7 calendar daysStandard CDsTerm lengthAPY30 days0.10%60 days0.10%90 days0.10%182 days3.50%7 months4.00%9 months3.88%12 months3.75%24 months3.00%36 months2.85%60 months2.85%30 daysAPY0.10%60 daysAPY0.10%90 daysAPY0.10%182 daysAPY3.50%7 monthsAPY4.00%9 monthsAPY3.88%12 monthsAPY3.75%24 monthsAPY3.00%36 monthsAPY2.85%60 monthsAPY2.85%Bank details checked as of Nov. 21, 2025IRA CDsTerm lengthAPY12 months4.00%24 months3.00%36 months2.85%60 months2.85%12 monthsAPY4.00%24 monthsAPY3.00%36 monthsAPY2.85%60 monthsAPY2.85%Bank details checked as of Nov. 21, 2025ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.READ BANK REVIEW12345...160Other services Presidential Bank offersPresidential Bank offers more than lucrative deposit accounts. You can also apply for: Mortgages:Whether you’re looking to buy a new home or refinance your current home, Presidential Bank has options. Home equity line of credit:Borrow the equity you’ve built in your home in the form of a line of credit. Lines of credit:Receive a revolving line of credit in exchange for providing collateral to Presidential Bank. IRAs:Presidential Bank offers self-direct individual retirement accounts, both traditional and Roth. Online banking Presidential Bank offers features common among online banking platforms. You can make payments, transfer funds, view checks, send secure messages to Presidential Bank, and more. Presidential Bank also offers a mobile app for Apple, Android, and Kindle. The Presidential Bank platform and customer supportYou can reach Presidential Bank customer service with one of two numbers: 800-383-6266 or 240-333-9059. Hours are 8 a.m. to 10 p.m. Eastern Time Monday through Friday. Presidential Bank also has an automated phone service available 24/7 at 800-317-6980. If you’d prefer to email, you can reach the bank at email@presidential.com. Presidential Bank has branches in Maryland, Virginia, and Washington, DC. Is Presidential Bank secure?Presidential Bank uses enhanced login security to help prevent fraudsters from accessing your account. It boasts of its cutting-edge technology and services to keep users safe. It also benefits from FDIC insurance. You’re covered up to $250,000 per account type per depositor. Presidential Bank user reviewsCustomers who have a bad experience with a financial institution are the ones most likely to write an online review. With that in mind, Presidential Bank gets mixed online reports from its customers. Users on Reddit and other forums praise the bank’s high interest rates and friendly, competent employees. On the other hand, some call out their small physical footprint and report concerning hiccups after account opening. While not accredited with the Better Business Bureau, Presidential Bank receives a BBB rating of an A- for failure to respond to one complaint. #qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer176 .listing:first-child { margin-top: 0; } #qsWidgetContainer176 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer176 .logo-column.flex-container, #qsWidgetContainer176 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer176 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer176 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer176 .apy-label, #qsWidgetContainer176 .curDate, #qsWidgetContainer176 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer176 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer176 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer176 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer176 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer176 .prop-value-container { align-items: stretch; } #qsWidgetContainer176 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer176 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer176 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer176 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer176 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer176 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer176 #sh-star-icon { top: -2px; } #qsWidgetContainer176 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer176 #see_more_carrier, #qsWidgetContainer176 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer176 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer176 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer176 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer176 .shmktpl-sponsored, #qsWidgetContainer176 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer176 .sh-logo { flex-shrink: 1; } #qsWidgetContainer176 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer176 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer176 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer176 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer176 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer176 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }Compare Presidential Bank alternativesIf Presidential Bank’s limited footprint or generally high minimum deposit and balance requirements give you pause, it’s worth evaluating competing institutions to store your money with. For folks seeking competitive yields and comfortable banking online, two options worth considering are Alliant Credit Union and Discover Bank. Presidential BankDiscover BankAlliant Credit UnionChecking account APYChecking account APYChecking account APY4.12%Not interest bearing (but debit card that earns up to 1% back on purchases)0.25%Savings account APYSavings account APYSavings account APY4.00%3.40%3.10%CD APYCD APYCD APY4.00%Up to 3.50%4.10%Learn moreLearn moreLearn moreView offerat MoneyLionView offerat Discover BankView offerat MoneyLionBank details checked Nov. 21, 2025Is Presidential Bank right for you?Presidential Bank may be right for you if a high APY is of paramount importance. Across the board, it offers stunning returns with its deposit accounts. Presidential Bank may also be a good fit for those who find value in unlimited transactions for savings accounts. That’s a perk you likely won’t find at many other financial institutions. Just keep in mind the bank’s extremely limited physical presence. In-person banking will only be possible for those who live around the Washington, DC, area. Not in need of a physical bank branch?Check out our picks for the best online banks of 2025. Frequently asked questionsWhere is Presidential Bank located?Presidential Bank is headquartered in Bethesda, Maryland. Its branches are in Maryland (Bethesda, Frederick, Rockville), Virginia (Ballston, Leesburg, McLean, Reston, Rosslyn, Tysons), and the District of Columbia (K-Street).Are there any ATM fees with Presidential Bank?Presidential Bank doesn’t charge ATM fees, but you may incur fees from ATM operators if you use an out-of-network option.Does Presidential Bank charge for wire transfers, and what are the current fees?Presidential Bank does not charge a fee for incoming wire transfers. Outgoing domestic transfers cost $20, outgoing international transfers cost $45, and outgoing international foreign currency transfers cost $35.How do I contact Presidential Bank customer service, and what are the support hours?You can contact Presidential Bank customer service by calling either 800-383-6266 or 240-333-9059. Customer service hours are between 8 a.m.and 10 p.m. Eastern Time from Monday to Friday.Are there any account closure fees with Presidential Bank?You’ll be changed a $5 fee if you close your account within six months from the date it was opened. This excludes CDs which come with their own unique early withdrawal fees.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current price of gold as of November 26, 2025
At 9:50 a.m. Eastern Time on Nov. 26, 2025, gold was valued at $4,151 per ounce. That’s a $30 uptick from yesterday morning and about a $1,515 gain over the past year.Gold price per ounce% ChangePrice of gold yesterday$4,121-0.72%Price of gold 1 month ago$3,982-4.07%Price of gold 1 year ago$2,636-36.50%Price of gold yesterdayGold price per ounce$4,121% Change-0.72%Price of gold 1 month agoGold price per ounce$3,982% Change-4.07%Price of gold 1 year agoGold price per ounce$2,636% Change-36.50%If you want an investment that isn’t directly impacted by inflation variance, gold may fit the bill. Gold has a long-term record of appreciating in value. One of the more common ways of buying and holding gold is a gold IRA. It’s also a practical choice for those who want to avoid the cost and burden of storing physical gold.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical gold price chartGold doesn’t outperform traditional stocks in every financial situation. In strong economic climates, stocks can deliver higher returns over both short and long periods. From 1971 to 2024, stocks averaged 10.7% in annual returns, while gold averaged 7.9%.But in uncertain economic times, gold is seen as a safe, risk-averse asset. That’s why many people view it more as a store of value than a typical investment like stocks or bonds.What does “spot gold” mean?The spot gold price is the rate for immediate transactions when buying gold over-the-counter. This figure helps investors track real-time demand and trends. Simply put, a higher spot price reflects greater demand. Unlike futures, the spot price is for instant settlement.When the future price is above the spot price, it’s called contango, which is common for commodities with high storage costs. If the futures price is below the spot price, it’s known as backwardation.Many factors can affect the spot price, causing frequent changes. Active gold investors need to be prepared for this volatility.What is price spread in gold trading?A price spread is the difference between the buying and selling price of an asset.In gold trading, the ask price is what you pay to buy, and the bid price is what you receive when selling. The bid is always lower than the ask.A smaller spread means the market is more liquid. When spreads are tight, it suggests strong demand for gold.How to invest in goldIf you picture gold investing as diving into a pile of coins, you’re only half right. While you can buy physical bars, coins, or jewelry, gold is often traded as exchange-traded funds (ETFs).Popular gold investment options include:Gold bars:Also called bullion, sold by weight, with purity and manufacturer details stamped on the bar. Gold rounds are essentially the same, with the only notable difference being the shape of the bullion. Gold coins:Collectible coins like the American Gold Eagle, often priced higher than bars of the same weight due to rarity.Gold jewelry:Priced above gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a set price in the future, allowing speculation without handling the physical metal.Gold funds:Mutual funds or ETFs invested in gold assets, with values tied to the underlying portfolio.Is it a good time to invest in gold?Whether now is the best time to invest in gold is open to interpretation. Still, adding gold can help diversify your portfolio and reduce market volatility.Gold remains a steady asset in an unpredictable market. Prices have soared to all-time highs, up over 25% since the beginning of 2025, fueled by inflation and uncertainty. Many experts suggest this is a good time to diversify with gold.Current precious metals prices as of 9:50 a.m. ET on Nov. 26, 2025Precious MetalPrice per ounceGold$4,151Silver$52Platinum$1,566Palladium$1,411GoldPrice per ounce$4,151SilverPrice per ounce$52PlatinumPrice per ounce$1,566PalladiumPrice per ounce$1,411Silver, platinum, and palladium are also favored by investors. Gold is generally less volatile than silver, which can fluctuate widely in a single day. Silver’s industrial uses make it more responsive to economic changes.Platinum and palladium act similarly to silver. While they offer diversification, they tend to be more volatile than gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has been unsettled, with ongoing inflation having a significant impact. Gold can serve as an inflation hedge in your portfolio. Thanks to various purchase methods, it’s a relatively accessible asset for most investors. Whether you invest through a gold IRA or a more hands-on account, gold can help you reach both short- and long-term financial targets.Frequently asked questionsWhat is the best way to own gold?Many investors choose gold ETFs, which offer a managed portfolio of easily traded assets.Is gold a good investment?Gold is often a solid choice for those seeking diversification and protection from inflation. There are many accessible ways to invest.Should I buy gold coins or gold bars?Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historic value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
UFB Direct Bank review 2025: A strong online banking choice for high APYs on checking and savings
Key TakeawaysUFB Direct may be a good choice for those seeking high yields on a savings account or money market account.The bank also offers a savings account specifically designed for high-net-worth individuals.However, UFB Direct does not offer certificates of deposit, so you’ll have to look elsewhere if seeking that type of investment.UFB Direct is the online-only division of Axos Bank. It offers a handful of banking products including high-yield savings accounts, money market accounts (MMAs), and mortgages. UFB Direct can be a good option if you’re looking for competitive savings rates. But they don’t provide stand-alone checking accounts or certificates of deposit (CDs), which means the bank is not a fit if you’re looking for those products. Our section on alternative bank options may help if you’re in need of those types of accounts.Rates are current as of Nov. 21, 2025 and are subject to change.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67UFB Direct at a glanceUFB DirectChecking accounts$0 monthly fee with no minimum deposit requirement (must be bundled with a savings account)Savings accountsEarn up to 3.51% annual percentage yield (APY) with no minimum deposit requirementsMoney market accountsEarn up to 3.51% APY, $10 monthly fee waived with a $5,000 balanceView offerat UFB DirectCompany insightsYear Founded: 2000Company Headquarters: San Diego, CACEO: Gregory GarrabrantsBank details checked Nov. 21, 2025.N/AProsCompetitive interest rates for savings and money market accountsCan access expanded Federal Deposit Insurance Corp. (FDIC) coverage up to $265 million for high-net-worth individualsNo fees or minimums on savings or checking accountsConsNo stand-alone checking accountDoes not offer credit cards or CDsHigh minimum balance for money market accounts to waive the monthly maintenance feeWho is UFB Direct good for?UFB Direct could be a good option for those seeking an online bank that offers a competitive high-yield savings account without any fees or minimums and ready to bundle it with a checking account to earn the maximum yield offered. It may also appeal to high-net-worth individuals who need expanded FDIC insurance up to $265 million.Who shouldn’t use UFB Direct?UFB Direct is an online bank without a stand-alone checking account and only waives up to $10 in ATM fees. For this reason, you’ll probably want to avoid UFB Direct if you need just a checking account or are frequently unable to access any of the 91,000 fee-free ATMs in its network.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.UFB Direct rates and productsUFB Direct offers high-yield savings accounts and money market accounts with competitive rates. While the bank does offer a checking account, it must be linked to an existing UFB Direct savings account and cannot be opened as a solo account. Additionally, UFB Direct offers a range of mortgage products as well as a savings account for high-net-worth individuals.UFB Direct productAPYUFB Portfolio Savings AccountUp to 3.51% APYUFB Freedom Checking AccountUp to 2.00% APYUFB Portfolio Money Market Account3.51% APYBank details checked Nov. 21, 2025UFB Portfolio Savings AccountAPYUp to 3.51% APYUFB Freedom Checking AccountAPYUp to 2.00% APYUFB Portfolio Money Market AccountAPY3.51% APYUFB Portfolio Savings accountUFB Direct offers a free, high-yield savings account with no minimum deposit requirements or monthly maintenance fees. Earn up to 3.51% APY, which is competitive with some of the best overall high-yield savings accounts. Even better, you can earn up to 3.71% when you open a UFB Freedom Checking account, as well (we’ll get to that in a moment).The account includes a complimentary ATM card that you can use to access over 91,000 ATMs nationally with daily withdrawal limits up to $510. The UFB savings account has a few additional limits:$250,000 maximum opening deposit$30,000 maximum daily transfer$60,000 maximum monthly transferUFB Direct savings account featuresMinimum opening depositNoneMonthly feesNoneTop APY3.51% APYBank details checked Nov. 21, 2025UFB Direct InsureGuard+ Savings accountUFB Direct’s InsureGuard+ Savings account functions like its standard savings account but provides expanded FDIC insurance up to $265 million. Typically, the FDIC provides standard coverage of up to $250,000 per bank. With the InsureGuard+ Savings account, UFB sweeps deposits to multiple accounts at member institutions in amounts under the standard FDIC insurance maximum.Receive just one statement and manage your money through a single relationship. Account minimums start at $245,000 and include competitive interest rates.UFB Freedom Checking accountUFB Direct doesn’t have a stand-alone checking account but does offer a checking account that you can add to other UFB accounts.With the UFB checking account, you can access your funds 24/7 with its online banking tools and take advantage of its network of ATMs as well as up to $10 in ATM fee reimbursement. The checking account offers a boost of up to 0.20% APY when paired with a savings account but you must meet certain criteria to unlock the checking account bonuses:Unlock 0.05% APY with $5,000 in monthly direct depositsEarn an additional 0.10% APY with a minimum balance of $10,000Earn an extra 0.05% APY with 10 approved debit transactions per statement cycleUFB Direct checking account featuresMinimum opening depositNoneMonthly feesNoneATM fee reimbursementUp to $10 per monthTop APY2.00% APYBank details checked Nov. 21, 2025UFB Portfolio Money Market accountUFB Direct offers a top rate on its money market accounts with the security and rates of a savings account and the ability to write checks. It also offers a free debit card. While the APY is comparable to its base savings account at 3.51% APY, it has a $10 monthly maintenance fee that can be waived with a $5,000 balance.UFB Direct money market account featuresMinimum opening depositNoneMonthly fees$10 maintenance fee waived with a $5,000 balanceTop APY3.51% APYBank details checked Nov. 21, 2025#qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer174 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer174 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer174 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer174 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer174 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer174 .listing:first-child { margin-top: 0; } #qsWidgetContainer174 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer174 .logo-column.flex-container, #qsWidgetContainer174 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer174 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer174 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer174 .apy-label, #qsWidgetContainer174 .curDate, #qsWidgetContainer174 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer174 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer174 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer174 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer174 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer174 .prop-value-container { align-items: stretch; } #qsWidgetContainer174 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer174 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer174 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer174 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer174 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer174 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer174 #sh-star-icon { top: -2px; } #qsWidgetContainer174 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer174 #see_more_carrier, #qsWidgetContainer174 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer174 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer174 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer174 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer174 .shmktpl-sponsored, #qsWidgetContainer174 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer174 .sh-logo { flex-shrink: 1; } #qsWidgetContainer174 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer174 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer174 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer174 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer174 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer174 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer174 .sh-first-product .sh-btn__text, #qsWidgetContainer174 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer174 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer174 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Other services UFB Direct offersThough UFB Bank has limited deposit products, it does offer a variety of mortgages through Axos Bank, including:Conforming mortgage loans:Conforming loans are mortgages that meet criteria set by Fannie Mae and Freddie Mac. Conforming loans are capped based on your county, but it’s $806,500 in most counties. Loan requirements include good to excellent credit and easy-to-document income.Non-conforming loans:These mortgages do not meet Fannie Mae and Freddie Mac. They are for borrowers with loans that are over the conforming limit, or less than stellar credit. You may be eligible for lender fees to be waived if you have a deposit account with UFB Direct.FHA loans:The FHA loans allow for down payments as low as 3.5%. They also have more flexible qualification guidelines with lower credit scores and down payment requirements.Portfolio loans:The Portfolio loan program provides loans from $150,000 to $30 million. These loans do not meet Fannie and Freddie guidelines, with the lender setting the terms instead.VA loans:VA loans are available to veterans, active duty members, and surviving spouses. The Department of Veterans Affairs guarantees these loans and may require no down payment.Jumbo/Super Jumbo loans:Jumbo and super jumbo loans exceed Fannie and Freddie conforming loan limits.. At Axos, these mortgages cover large loans of $30 million or more.Home equity loans/home equity lines of credit:Home equity loans allow you to borrow against the value of your home.UFB Direct offers home equity loans, HELOCs ranging from $30,000 to $250,000, and cash-out refinancing ranging from $50,000 to more than $5 million. You can apply for a mortgage online or by phone. Lender fees are waived on eligible mortgages of $250,000 or more for existing Axos or UFB Direct account holders.UFB Direct platform and customer supportUFB Direct is an online-only bank offering 24/7 online access through its desktop or mobile app. Check your account balances, view your transaction history, transfer funds, and more. You can even deposit your checks remotely using your mobile camera or computer scanner. For more information on digital banks, check out the best online banks and credit unions.You can contact customer service directly through UFB’s platform. Through its parent bank, Axos, you can access a 24/7 phone number as well as the ability to submit a secure message or use its live chat service.Is UFB Direct secure?UFB Direct is a secure bank with standard FDIC insurance of up to $250,000 with no reported data breaches. For high-net-worth individuals, it also offers the ability to insure up to $26500 million by sweeping your deposits to multiple accounts at member institutions in amounts below the $250,000 FDIC insurance maximum.UFB Direct user reviewsUFB Direct’s customers rate the bank at an average of 2.8 out of five stars according to review site, Trustpilot. The online bank has an A+ rating with the Better Business Bureau and only a small number of complaints filed, all of which have been closed. Users report that it can be challenging to contact a live customer service representative or that they’ve had issues moving money out of their accounts.Compare UFB Direct alternativesIf UFB Direct doesn’t quite suit your needs, consider SoFi and Ally as alternatives for an online bank. UFB DirectSoFi®(Member FDIC)Ally BankTop checking account APYTop checking account APYTop checking account APY2.00%0.50%Up to 0.25%Monthly feeMonthly feeMonthly feeN/AN/AN/ATop savings account APYTop savings account APYTop savings account APY3.51% (3.71% if you qualify for the checking-related boost)Get up to 3.60%.1 Get a 0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.23.30%Online only?Online only?Online only?YesYesYesLearn moreLearn moreLearn moreView offerat UFB DirectView offerat SoFiView offerat MoneyLionBank details checked Nov. 21, 2025ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67Is UFB Direct right for you?UFB Direct may be right for you if you’re seeking an online bank that offers a competitive, high-yield savings account without any fees or minimums. It may also be right for high-net-worth individuals who need FDIC insurance up to $265 million. However, it is an online-only bank that doesn’t offer a stand-alone checking account and isn’t right for those who need access to in-person branches. Frequently asked questionsIs UFB Direct safe?Yes, UFB Direct is a safe bank with standard FDIC deposit insurance up to $250,000. For high-net-worth individuals, it offers a sweep account allowing you to be protected to $265 million in expanded FDIC insurance. While it is an online-only bank, it is as safe as a traditional brick-and-mortar option.Which bank owns UFB Direct?UFB Direct is owned by Axos Bank and serves as its online-only division. Axos Bank was established in 2000 and has roughly $20 billion in assets. Axos Bank offers mortgages in addition to the traditional banking products offered by UFB Direct.Where is UFB Direct located?While UFB Direct lists its headquarters in San Diego, California, it is an online-only bank that doesn’t offer branches or its own branded network of ATMs. While it is as safe as a brick-and-mortar alternative, those who need physical locations should consider another bank.SoFi disclaimer1:Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet2: 0.70% Savings APY BoostEarn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Enroll in SoFi Plus between 9/18/25 and 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/sofi-plus SoFi Bank, N.A. Member FDIC.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current refi mortgage rates report for Dec. 3, 2025
The current average refinance rate on a 30-year, fixed-rate home loan is 6.30%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Current refi rates dataConventional mortgages30-year6.30%20-year6.19%15-year5.55%10-year5.75%Jumbo mortgages30-year7.00%15-year6.88%FHA loans30-year5.75%15-year5.63%VA loans30-year5.68%15-year5.27%Note thatFortunereviewed the most recent Zillow data available as of Dec. 2.How mortgage refinancing worksMortgage refinancing essentially involves paying off your existing home loan with a new one. Similar to when you applied for a mortgage the first time, you’ll need to apply for the refinance loan and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more. This process generally means there will be a small hit to your credit score due to the hard inquiry. And, you should be aware there’s a risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some observers thought that mortgage interest rates would fall alongside the cuts made by the Federal Reserve to the federal funds rate late last year. However, that didn’t happen, and interest rates remained stubbornly near the 7% mark—considering the nationwide average for 30-year, fixed-rate mortgages—for months. Rates did drop slightly toward the end of February, moving closer to 6.5% than had been seen in a while. Still, rates remain elevated well above pandemic-era lows, when some homeowners got mortgages with rates in the 2% and 3% range. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners carrying a mortgage had an interest rate under 6%. Many Americans have felt locked in, unwilling or unable to move or refinance while rates remained high.There was finally some relief leading up to the Fed’s meetings in September and October, with rates trending noticeably downward ahead of the September meeting and inching downward leading into the October meeting. The central bank cut the federal funds rate at both of those meetings, with a quarter percentage point reduction each time.When it might make sense to refinance your mortgageRefinancing isn’t free, so it’s crucial to weigh the costs. One rule of thumb you’ll hear referenced is that it makes sense to refi if you can secure a rate at least a percentage point lower than your current rate. For example, if rates drop and you’re able to move from a 7% rate to a 6% rate, that’s worth seriously considering.You might also want to refinance if you need to tap your home equity—this can be done via a cash-out refinance, which typically requires that you have built up at least 20% equity in your home. Refinancing can also help change your loan term or switch loan types, such as moving from an FHA loan to a conventional one to get rid of a lifetime mortgage insurance (MIP) requirement, or changing from an adjustable-rate mortgage (ARM) to a fixed-rate loan.It can also be beneficial to refinance if you want to adjust your loan term. For instance, switching from a 15-year to a 30-year mortgage can provide smaller monthly payments, which might be more manageable if your financial situation has changed from when you took out the loan.Costs to refinance your mortgageRefinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, costs might range from $6,000 to $18,000, for example. Some common costs include:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if applicable with your existing lender).Different types of mortgage refi loansSeveral types of refinance options exist, each suited to different goals:Rate-and-term refinance:This is what you’re looking for when you seek to lower your interest rate or change your loan term—though be aware if you shorten your repayment term this will almost certainly result in higher monthly payments.Cash-out refinance:Leverage your home equity by paying off your existing loan and taking out a larger loan, while receiving the difference in cash.No-closing-cost refinance:The lender covers closing costs in exchange for a higher interest rate. This is a refi to approach with educated caution, but could be worthwhile in certain cases. Streamline refinance:Available for FHA, VA, and USDA loans, offering a simpler application process and oftentimes less paperwork. Refinancing with your existing lender vs. a new oneYou’re not required to refinance with your original lender. Shopping around may help you find lower rates and possibly even better service. But, some lenders offer incentives, such as waiving closing costs, for staying with them. So you should broach the topic of refinancing with your existing lender before you make a decision. Lastly, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
SoFi® Bank, N.A. Review 2025: Digital Banking, High Yields
Key TakeawaysSoFi® is an excellent choice for consumers seeking high-APY checking and savings accounts.Note that there’s a fairly high direct deposit requirement to earn the best APY.This bank is best for people who are comfortable with digital tools and don’t need in-person branches.SoFi is a powerhouse of the online banking industry. While SoFi does not have a wide selection of accounts, its checking and savings accounts offer very competitive annual percentage yields—making these accounts attractive options for consumers seeking to earn interest on funds that they still want to keep fairly liquid.SoFi customers also have access to a network of more than 55,000 ATMs1 nationwide and can pay bills, find ATMs, send money, make mobile deposits, and more via SoFi’s website and mobile app. Rates are current as of Dec. 3, 2025, and are subject to change. SoFi at a glanceSoFi® Checking & SavingsMember FDICTop savings APYUp to up to 3.60%*Minimum Opening Deposit$0Advertiser DisclosureView offerat SoFiCompany insightsYear Founded: 2011Company Headquarters: San Francisco, CACEO: Anthony NotoAPY DisclaimerAnnual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheetBonus DisclaimerNew and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.View offerat SoFiN/AProsNo minimum deposit requirementsNo monthly account feesCompetitive rates on deposit accountsConsDirect deposit required for highest savings APYMust open both a checking and savings account (can’t have just one or the other)Direct deposit amount must total $5,000 or more within 25 calendar days to receive max bonusWho is SoFi good for?SoFi’s savings and checking account combo is a good fit for people wanting to earn a high APY on their money. It’s rare to see a checking account APY, let alone one that beats out most savings APYs from big banks. Paired with a high savings APY, these accounts can help you maximize your money.Because the savings account requires you to get direct deposits to earn the highest APY, it’s also best for people with regular paycheck deposits. Finally, you’ll need to be comfortable with online-only banking and using ATMs to get cash, as SoFi doesn’t have in-person branches.Who shouldn’t use SoFi?If you work part-time or don’t receive direct deposit, you likely won’t be able to meet the $5,000 minimum requirement to earn the account’s highest APY. In that case, SoFi wouldn’t be a great pick as you’d only earn a 1% APY on your savings—a rate you can easily exceed at another bank.Also, SoFi lacks some other banking products. If you’re also looking to open a certificate of deposit (CD) or create a money market account (MMA), you won’t be able to do that with this bank. That’s not ideal if you want to do all of your banking with one institution. And, if you prefer traditional brick-and-mortar locations or the ability to deposit cash without a fee, SoFi is probably not the bank for you.Earn an even higher APY for a limited timeNew customers who open both a checking and saving account with SoFi, member FDIC—along with enrolling in SoFi Plus—by Jan. 31, 2026 have an opportunity to earn a 4.30% annual percentage yield (APY) on their savings. This represents a 0.70% APY boost on top the standard up to 3.60% rate. The maximum time period for the boosted APY is six months. (Terms apply. Rates are variable and subject to change.)6SoFi Plus is available at no extra cost for customers with eligible direct deposit. Otherwise, the cost of membership is $10 per month as of this writing.Benefits for Plus members include a 10% boost on cash-back rewards earned with certain SoFi credit cards, a 1% match on recurring deposits to SoFi Invest (paid in rewards points) and unlimited one-on-one planning sessions from SoFi Wealth.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67SoFi rates and productsSoFi offers a combo checking and savings account option—you can’t get one without the other. Both of these accounts have no monthly fees or overdraft fees, helping you save even more cash. Unfortunately, these are the only two banking products it currently offers.SoFi productAPYOnline Checking Account0.50%High-Yield Savings Account1% to up to 3.60%Online Checking AccountAPY0.50%High-Yield Savings AccountAPY1% to up to 3.60%Checking accountsSoFi’s free checking account boasts no fees2, which can offer huge peace of mind. This means you won’t pay any monthly fees to keep the account open or fees if your account balance drops too low. For eligible customers who get at least $1,000 in direct deposits monthly, SoFi’s overdraft coverage will spot you up to $50 to cover a debit card transaction. It’s also free to access your money from certain ATMs. Since SoFi is part of the Allpoint network, you can access over 55,000 free ATMs across the country.SoFi also offers a checking account bonus of $50 or $300 depending on the direct deposit amount. To qualify, you’ll need to have a total of at least $5,000 in direct deposits within the first 25 days of having your account. If you only get direct deposits totaling $1,000 to $4,999.99, you’ll get a $50 bonus instead.Other perks we like about the SoFi checking account is the ability to get your paycheck up to two days early7and automatic roundups on debit card purchases that go straight into your savings. SoFi checking account featuresAccount opening bonus$50 or $300 (depending on direct deposit amount)Minimum opening deposit$0Monthly fees$0Top APY0.50%Overdraft coverageUp to $503ATM fees$0Overdraft fees$0Daily ATM withdrawal limit$2,000Daily debit card use$6,000Bank details checked Dec. 3, 2025#qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer174 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer174 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer174 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer174 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer174 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer174 .listing:first-child { margin-top: 0; } #qsWidgetContainer174 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer174 .logo-column.flex-container, #qsWidgetContainer174 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer174 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer174 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer174 .apy-label, #qsWidgetContainer174 .curDate, #qsWidgetContainer174 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer174 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer174 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer174 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer174 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer174 .prop-value-container { align-items: stretch; } #qsWidgetContainer174 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer174 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer174 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer174 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer174 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer174 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer174 #sh-star-icon { top: -2px; } #qsWidgetContainer174 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer174 #see_more_carrier, #qsWidgetContainer174 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer174 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer174 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer174 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer174 .shmktpl-sponsored, #qsWidgetContainer174 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer174 .sh-logo { flex-shrink: 1; } #qsWidgetContainer174 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer174 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer174 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer174 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer174 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer174 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer174 .sh-first-product .sh-btn__text, #qsWidgetContainer174 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer174 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer174 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Savings accountsSoFi’s top APY of 3.80% makes it a competitive option for a high-yield savings account. That’s typically a rate you’d see for a CD, where you’d have to lock away your money for several months or years—not a liquid account with unlimited withdrawals and deposits. But it’s worth stressing that not everyone gets the 3.80% rate. You’ll need a fair amount of direct deposits each month to qualify. Each new member will have a 30-day period to receive at least $5,000 in qualifying direct deposits. If you’re able to do that, you’ll receive the higher APY until another 30-day evaluation period begins. If you don’t, you’ll be stuck with a low 1% APY instead.SoFi savings account featuresMinimum opening deposit$0Monthly fees$0Top APYup to 3.60%Federal Deposit Insurance Corp. (FDIC) insuranceUp to $3 millionMonthly transfer limitUnlimitedInterest depositedMonthlyVault limit20Cash deposit feeUp to $4.95 (charged by partners, not SoFi)Bank details checked Dec. 3, 2025SoFi’s savings VaultsOne feature we like about SoFi’s savings is its Vaults. These are a way to set aside money for specific goals like buying a new car or saving for an emergency fund. You set a goal amount for each Vault, and then you can move dedicated funds into it whenever you’d like. You can also turn on automatic roundups and have them sent directly into your Vaults to fast-track achieving your goals.SoFi PlusSoFi offers a premium membership option, SoFi Plus, at no extra cost to customers. All that’s needed to become a SoFi Plus member is to have eligible direct deposits each month. Members can extra rewards points, its highest APYs on its savings product, cash back rewards on the SoFi credit card, personal loan rate discounts, and financial planning.How to open SoFi checking and savings accountsOpening an account with SoFi is easy, but there are several steps involved. You have to create your login, fill out the application, and agree to the legal terms. First, SoFi will ask for your name, state, email, and a password.Next, you’ll have to decide whether you want to open an individual account or a joint account. After that, you’ll provide your primary address, your date of birth, and your Social Security number.You’ll also need to provide your citizenship status. You can choose from United States citizen, green card holder, or nonpermanent resident alien. SoFi also asks about your employment status, occupation, and annual income.To make sure you’re a real person, SoFi will then ask to verify your phone number via a text message. Enter the verification code when prompted.Finally, SoFi will ask if you’re subject to backup tax withholding by the IRS. If you’re not, you’ll be asked to review the final legal documents before agreeing and creating your account.SoFi InvestWith SoFi Invest, you can trade stocks and exchange-traded funds (ETFs) with no commissions right from the SoFi app. But what sets SoFi apart from other investment services is the ability to invest in upcoming initial public offerings (IPOs) before they go public. You can also buy fractional shares of companies to help you diversify your investments.If managing your investments on your own becomes too tricky, SoFi also offers financial planners and automated investing that take care of your portfolio for you. As a bonus, SoFi is offering (at the time of writing) up to $1,000 in free stock when you fund your account with at least $25 in the first 30 days.Other services SoFi offers SoFi offers a number of financial services for personal customers and business owners, including: Student loan refinancing:SoFi’s student loan refinancing loans offer competitive fixed rates starting at 4.49% and zero fees. Private student loans:SoFi’s private student loan offerings include Master of Business Administration (MBA) loans, law school loans, undergraduate loans, parent loans, and more. Personal loans:Consumers who are on the hunt for a personal loan can apply for a SoFi loan directly online and potentially qualify for anywhere from $5,000 to $100,000. Mortgage loans:SoFi’s mortgage loans offer low down payment options, low rates, and flexible repayment terms ranging from 10 to 30 years. Auto loan refinancing:SoFi customers can compare auto refinancing rates from a network of top lenders and submit an application without any fees or obligation. Credit cards:The SoFi credit card offers unlimited 2% cash back rewards on every purchase and no annual fee.Insurance products:SoFi offers auto, life, homeowners, and renters insurance as well as a newly added cyber insurance partnership, which offers coverage to protect yourself against incidents of identity theft, cyber extortion, and more.Estate planning:For consumers who hope to create an estate plan for their financial future can do so online thanks to SoFi’s partnership with Trust & Will. SoFi members may get 20% off select services.Financial insights:Credit monitoring services, budgeting tools, investment trackers, and more are all available on SoFi’s platform. Business financing and solutions:SoFi offers small business financing, as well as tools to help businesses better support their employees.SoFi platform and customer supportCustomers can request assistance 24/7 by reaching out to SoFi via phone, chat, and even sending general questions to the X account at @SoFiSupport. This bank offers both online and mobile banking platforms, available for download on the Apple App Store and Google Play. The app currently has an average rating of 4.8 and 4.4 on each digital storefront, respectively. Is SoFi secure?SoFi uses two-factor authentication (2FA) and biometric login to keep your online account secure. It also provides real-time alerts any time you use your debit card so you can immediately identify a fraudulent transaction. If you think something is amiss, you can freeze your account instantly in the SoFi app.Additionally, SoFi is one of the few banks to offer up to $3 million in FDIC insurance. It does this through its SoFi Insured Deposit Program, which works by depositing your money into different deposit accounts at a network of participating banks. While this sounds convoluted, it won’t take any extra effort on your part, and you can still access all of your cash through SoFi.SoFi user reviewsOn the whole, SoFi Bank customer reviews are mixed. On Trustpilot, SoFi has 4.3 stars with over 9,000 reviews, and many customers appreciate how easy it is to open an account with the bank. However, many don’t like how hard it is to deposit cash—or that the process comes with a $4.95 fee.On the popular forum site Reddit, some users shared that they suffered from account lockouts for no apparent reason, preventing them from accessing their money. They reported that when this happened, they didn’t find customer support especially helpful. On the plus side, many reviewers on Reddit liked the Vault feature and how it helps them save money.Compare SoFi alternativesSoFiAlly BankChimeSavings APYSavings APYSavings APYGet up to 3.60%4 Get a 0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply. Terms apply.3.30%Up to 3.50%Savings account monthly feeSavings account monthly feeSavings account monthly fee$0$0$0Checking APYChecking APYChecking APY0.50%Up to 0.25%0%Checking account monthly feeChecking account monthly feeChecking account monthly fee$0$0$0Learn moreLearn moreLearn moreView offerat SoFiView offerat MoneyLionView offerat ChimeBank details checked Dec. 3, 2025SoFi vs. AllyAlly is also an online-only bank with a robust savings APY of 3.30%, although that’s not quite as strong as SoFi’s top rate at the time of writing. It also comes with a free checking account that can earn up to 0.25% APY, again not quite matching SoFi’s rate. Note that the Ally savings account is capped at 10 withdrawals per month, which could be limiting for some consumers. But, Ally also offers round-the-clock customer support and there’s no direct deposit requirement to get the top rates, unlike SoFi.SoFi vs. ChimeAnother online bank that doesn’t charge monthly account fees, Chime also offers checking and savings accounts. But unlike SoFi, its checking account doesn’t earn any interest. However, it does have more robust overdraft coverage. Chime’s SpotMe coverage protects you if you overdraft by as much as $200, compared to SoFi’s lower $50 limit.SoFi beats out Chime when it comes to ATM withdrawals. That’s because SoFi doesn’t charge a fee if you go to an out-of-network ATM, but Chime will charge you $2.50 per withdrawal.See more SoFi alternatives:Quorum Federal Credit Union: Competitive APYs and various account offerings, but limited customer service hours.Rising Bank: Offers mobile and online banking and zero monthly maintenance fees but a higher minimum opening deposit.Prime Alliance Bank: A diverse mix of business and personal products, but only one physical branch.Ivy Bank: Competitive high-yield savings and CDs, but no checking accounts and steep minimum deposit requirements.Is SoFi right for you?Overall, we think SoFi works well for technology-savvy customers looking to earn a generous APY. Its online-only infrastructure means you should be comfortable with navigating apps and websites to handle your financial transactions. If that’s you, the ability to earn a high APY on both your savings and checking accounts is a huge selling point. If you’re not, you’ll probably be better off finding a bank that offers brick-and-mortar locations near you instead.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Frequently asked questionsIs SoFi a real bank?Yes. SoFi is an FDIC-insured, nationally chartered bank. Does Zelle work with SoFi?Yes, SoFi offers the option to send and receive money via Zelle from your SoFi bank account. SoFi also has its own peer-to-peer (P2P) payment feature called Pay-a-Friend.Does SoFi have a minimum balance requirement?SoFi does not have any minimum balance requirements. What are the cons of SoFi?SoFi does not have any in-person branches you can bank at. Also, it has a hefty direct deposit requirement if you want to get the account opening bonus.What banks are partnered with SoFi?SoFi partners with many banks for its SoFi Insured Deposit Program, including Comerica, Citizens Bank, HSBC Bank USA, Sallie Mae Bank, Bell Bank, Morgan Stanley, and more.SoFi Disclaimers1.We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.2.We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.3.Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-ratesheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.4.Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet5.New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.6: 0.70% Savings APY BoostEarn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Enroll in SoFi Plus between 9/18/25 and 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/sofi-plus SoFi Bank, N.A. Member FDIC.7:Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
The best high-yield savings account rates on Dec. 2, 2025: Earn up to 5.00% APY
The best high-yield savings accounts are hitting rates up to 5.00% APY as of Dec. 2, 2025—and that’s genuinely impressive compared to the FDIC’s recorded national average of 0.40%. If you’re serious about making your money work harder, opting for a high-yield account over a traditional savings account is one of the best moves you can make.Whether you’re focused on building an emergency fund, saving up for that dream vacation, thinking about investing in precious metals, or planning for retirement, putting your cash into a high-yield savings account just makes sense. You’re not taking on any real risk, but you’re potentially earning hundreds more per year than you would in a traditional account.The three highest-APY accounts we’ve identified are as follows:Earn up to 5.00% with Varo Money.Earn up to 4.51% with Axos Bank.Earn up to 4.35% with Newtek Bank.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The highest savings account rates on December 2, 2025Fortunehas partnered with the financial industry consultants at Curinos to give you an accurate look at the highest savings account rates on the market. Read on to see our full list of HYSAs and find the one that’s right for your needs.What the Fortune/Curinos partnership means for youWe rely on Curinos—a firm with over thirty years tracking financial services data—to keep tabs on what rates banks are offering. Each business day, we get a report from Curinos with updated data on savings and CD APYs from a wide range of financial institutions. We build our list by doing the legwork so you don’t have to.History of savings account ratesWhile the average savings account rate has increased from the lows seen from 2020 to 2022, it’s still far below the APYs available on the most generous high-yield savings accounts on our list.Why should you choose a high-yield savings account?Real quick, let’s note “high-yield savings account” isn’t technically its own special account category. It’s just what we call any savings account offering rates that are noticeably higher than what you’ll find at your average bank. Financial professionals use the term to distinguish them from the rest of the pack.The difference usually comes down to this: traditional banks with branch locations tend to offer lower rates because they’re paying for physical infrastructure. Online banks offering high-yield accounts have stripped things down—no branches, fewer services—which means they can pass those savings on to you in the form of higher earning rates.Pro tipLearn more about the different types of savings accounts.If you’re comfortable banking online and you want to maximize what you earn, switching to a high-yield savings account could transform your returns. We’re talking about potentially hundreds of dollars more annually, depending on how much you deposit and what APY your HYSA offers.How much interest can you earn with a higher APY?Here’s a hypothetical: take $5,000 sitting untouched for a year. In an account earning 5.00% APY, you’d make significantly more than you would in a 0.40% APY account, as shown by the estimates below.Initial DepositEstimated Interest0.40% APY$5,000$225.00% APY$5,000$2560.40% APYInitial Deposit$5,000Estimated Interest$225.00% APYInitial Deposit$5,000Estimated Interest$256Moving your money from a traditional account to a high-yield option is one of the easiest financial moves you can make—and should pay off in spades.What should you look for in a high-yield savings account?When you’re evaluating accounts, keep these priorities in mind:Strong interest rates. Hunt for a competitive APY that will genuinely boost your earnings, not just a minor difference.Low or no minimums.Many high-yield accounts don’t require you to bring a big chunk of cash upfront, which is great if you’re just getting started on your saving journey.No monthly fees.Avoid accounts that charge you just to hold your money—those fees eat directly into your interest.Easy access to your funds.Make sure you can withdraw or transfer money when you need it, and pay attention to withdrawal limits or foreign ATM charges.Security.Confirm your account is FDIC-insured if it’s at a bank, or NCUA-insured if it’s a credit union. That’s your safety net.One important thing to be aware of is that you’ll owe taxes on whatever interest you earn.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Frequently asked questionsAre savings account rates going to fall?It’s possible. When the Federal Reserve adjusts its benchmark rate, banks typically follow suit. Since the Fed started cutting rates in late 2025—which is good news for people looking to borrow, but less so for savers—there’s a possibility some banks will decrease savings account rates accordingly.Can I lose money in a high-yield savings account?Before you open an account, make absolutely sure it’s FDIC or NCUA insured. That protection covers your deposits up to a $250,000 maximum per institution. Unlike funds invested in the stock market, your money in a savings account isn’t at risk of wild swings. That said, if inflation runs ahead of your APY, you could lose purchasing power over time.Is a high-yield savings account still worth it?Yes. Even with recent Fed rate cuts, plenty of high-yield savings accounts are still offering APYs approaching or even above 4.00%. They remain one of the smartest, lowest-risk ways to earn noteworthy interest on your money while keeping it accessible. If you’re willing to lock your money away, a CD might potentially give you a better rate—but for flexibility, a high-yield savings account is tough to beat.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current price of silver as of Monday, December 1, 2025
At 8:15 a.m. Eastern Time on December 1, 2025, silver was valued at $57.59 per ounce. That’s a $1.08 uptick from the same time yesterday and more than a $27 gain over the past year. Silver price per ounce% ChangePrice of silver yesterday$56.511.91%Price of silver 1 month ago$48.9117.74%Price of silver 1 year ago$30.5188.75%Price of silver yesterdaySilver price per ounce$56.51% Change1.91%Price of silver 1 month agoSilver price per ounce$48.91% Change17.74%Price of silver 1 year agoSilver price per ounce$30.51% Change88.75%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical silver performance Silver is not a get-rich-quick investment. It tends to far underperform traditional stocks over the long term. Since 1921, silver has declined around 96% against the S&P 500. In other words, if you had invested the same amount of money in both stocks and silver at the same time, your silver would now be worth 96% less than your stocks. Instead, silver is considered a comparatively safe and reliable asset that can help you to preserve the value of your money. You’ll sometimes hear it described as a “store of value.” It tends to retain its value during periods of inflation—so converting your money into silver is something like a cryogenic chamber to store your funds when inflation is weighing on your mind.Silver tends to be more volatile than gold. While gold is largely used as a store of value, silver is also widely used in industry (think electronics, medical devices, etc.). This means the value of silver is more directly susceptible to industry demands.Ads by Money. We may be compensated if you click this ad.AdWhat does “spot silver” mean? Put simply, the “spot silver” price is the current rate at which one could in theory instantly sell or buy silver. But, it’s crucial to note individual buyers will often have to pay above spot when buying silver, as there are other costs affecting the final price—think markups, shipping fees, and insurance. The spot price of silver is a benchmark that investors use to monitor real-time demand and trends. If the spot price is higher, the demand is greater. What is “price spread” in silver trading? Silver’s “price spread” is the disparity between its buying and selling price. There are two terms you should know: Ask price (what you’ll pay to purchase silver). Bid price (what you’ll earn when selling your silver). As you’d expect, the bid price is lower than the ask price. The narrower the bid-ask spread, the higher the demand for silver. SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare6 ResultsProduct DescriptionsZoe Financial : Financial AdvisorVIEW DETAILS on Zoe Financial's website FeesAdvisor fees may varyMinimum Investment$0Best ForFinding Vetted Financial AdvisorsVIEW DETAILS on Zoe Financial's website Additional FeaturesMatch with fiduciary financial advisors tailored to your needs.Plan your financial future with a trusted financial advisor.Find a fiduciary advisor who puts your interests first.Compare advisors near you—it's fast, easy, and free!Find your personalized advisor matches in just a few clicks.Connect with advisors who specialize in retirement, investments, and more.Additional FeaturesMatch with fiduciary financial advisors tailored to your needs.Plan your financial future with a trusted financial advisor.Find a fiduciary advisor who puts your interests first.Compare advisors near you—it's fast, easy, and free!Find your personalized advisor matches in just a few clicks.Connect with advisors who specialize in retirement, investments, and more.Robinhood : BrokerageDisclosureDisclosureThis advertisement contains information and materials provided by Robinhood Financial LLC, Robinhood Securities LLC and its affiliates ("Robinhood") and Publisher, a third party not affiliated with Robinhood. All investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns. Securities offered through Robinhood Financial LLC, a member of FINRA and SIPC and a wholly-owned subsidiary of Robinhood Markets, Inc. Cryptocurrency trading offered through Robinhood Crypto LLC. Robinhood Crypto and Publisher are not a members of FINRA or SIPC and cryptocurrencies are not stocks and your cryptocurrency investments are not protected by either FDIC or SIPC insurance.VIEW DETAILS on Robinhood's website Sign Up Bonus1 Free StockAccount MinimumNoneCommission FeesNoneDisclosureDisclosureThis advertisement contains information and materials provided by Robinhood Financial LLC, Robinhood Securities LLC and its affiliates ("Robinhood") and Publisher, a third party not affiliated with Robinhood. All investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns. Securities offered through Robinhood Financial LLC, a member of FINRA and SIPC and a wholly-owned subsidiary of Robinhood Markets, Inc. Cryptocurrency trading offered through Robinhood Crypto LLC. Robinhood Crypto and Publisher are not a members of FINRA or SIPC and cryptocurrencies are not stocks and your cryptocurrency investments are not protected by either FDIC or SIPC insurance.VIEW DETAILS on Robinhood's website Additional FeaturesTrade stocks and ETFs 24 hours a day, 5 days a week1 Free stock after linking your bank account ($5 - $200 value)Low brokerage margin rates starting at 5.50%$0 commission on stocks & ETFsBuy, sell and store popular cryptocurrenciesEasily transfer accounts, including deposits and brokerageAdditional FeaturesTrade stocks and ETFs 24 hours a day, 5 days a week1 Free stock after linking your bank account ($5 - $200 value)Low brokerage margin rates starting at 5.50%$0 commission on stocks & ETFsBuy, sell and store popular cryptocurrenciesEasily transfer accounts, including deposits and brokerageDatalign Advisory : Financial AdvisorVIEW DETAILS on Datalign Advisory's website FeesAdvisor fees may varyMinimum Investment$0Best ForFinding Vetted Financial AdvisorsVIEW DETAILS on Datalign Advisory's website Additional FeaturesConnect with an advisor based on your preferences and financial profileNationwide coverage, with in-person and remote advisory availableBoth asset-based and fee-based advisors availableAdditional FeaturesConnect with an advisor based on your preferences and financial profileNationwide coverage, with in-person and remote advisory availableBoth asset-based and fee-based advisors availableYieldStreet : Alternative InvestmentVIEW DETAILS on YieldStreet's website Minimum Investment$2500Investment Term3 mons- 8 yrsBest ForAlternative InvestmentsVIEW DETAILS on YieldStreet's website Additional FeaturesInnovative income-generating products with typically low stock market correlationInvest in assets backed by collateralShort term investments - 3 months to 8 yearsStrict risk management for your capital is at the heart of what we doAccess diversification strategies used by many institutional investorsAdditional FeaturesInnovative income-generating products with typically low stock market correlationInvest in assets backed by collateralShort term investments - 3 months to 8 yearsStrict risk management for your capital is at the heart of what we doAccess diversification strategies used by many institutional investorsMoomoo : Investment AccountDisclosureDisclosure 1. The deposit bonus is available only to clients who have never made a deposit or transfer before 5/29/2025. Offer is only valid for US residents with a valid SSN who are at least 18 years old. After receiving the free stocks, you will need to maintain your average assets based on the requirements for 60 days to unlock the stocks. Additional terms and conditions apply, learn more at https://www.moomoo.com/us/support/topic4_410. Get up to $1,000 in NVDA stocks with the qualifying deposit amount:Deposit $100, get $20 in NVDA stock + 8.1% APY on uninvested cashDeposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cashDeposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cashDeposit $50,000, get $1,000 in NVDA stock + 8.1% APY on uninvested cash2. Level 2 data (NYSE ArcaBank) is free for Moomoo Financial Inc. accounts with a minimum 30-day average account value of $100+. Other conditions apply, to learn more, visit moomoo.com/us/support/topic3_435VIEW DETAILS on Moomoo's website Sign Up Bonus8.1% APY on uninvested cash and get up to $1,000 in NVDA stock1Account Minimum$100Best ForUser-Friendly Tools, Data, and InsightsDisclosureDisclosure 1. The deposit bonus is available only to clients who have never made a deposit or transfer before 5/29/2025. Offer is only valid for US residents with a valid SSN who are at least 18 years old. After receiving the free stocks, you will need to maintain your average assets based on the requirements for 60 days to unlock the stocks. Additional terms and conditions apply, learn more at https://www.moomoo.com/us/support/topic4_410. Get up to $1,000 in NVDA stocks with the qualifying deposit amount:Deposit $100, get $20 in NVDA stock + 8.1% APY on uninvested cashDeposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cashDeposit $2,000, get $50 in NVDA stock + 8.1% APY on uninvested cashDeposit $50,000, get $1,000 in NVDA stock + 8.1% APY on uninvested cash2. Level 2 data (NYSE ArcaBank) is free for Moomoo Financial Inc. accounts with a minimum 30-day average account value of $100+. Other conditions apply, to learn more, visit moomoo.com/us/support/topic3_435VIEW DETAILS on Moomoo's website Additional Features$0 commission options trading13 options strategiesTrade seamlessly on mobile and desktopSupports crypto tradingFree real time level 2 data for funded accounts2Additional Features$0 commission options trading13 options strategiesTrade seamlessly on mobile and desktopSupports crypto tradingFree real time level 2 data for funded accounts2Public : BrokerageDisclosureDisclosure*Terms and Conditions apply.**This yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. Because the YTW of each bond is a function of that bond’s market price, which can fluctuate, your yield at time of purchase may be different from the yield shown here and your YTW is not “locked in” until the time of purchase. A bond’s YTW is not guaranteed; you can earn less than that YTW if you do not hold the bonds to maturity or the issuer defaults.***Rate as of 1/7/25. APY is variable and subject to changeAll investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7% yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. A bond’s yield is a function of its market price, which can fluctuate; therefore a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See Bond Account Disclosures to learn more. VIEW DETAILS on Public's website BonusEarn up to $10,000*Account Minimum$0Commission$0 on US listed stocks & ETFsDisclosureDisclosure*Terms and Conditions apply.**This yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. Because the YTW of each bond is a function of that bond’s market price, which can fluctuate, your yield at time of purchase may be different from the yield shown here and your YTW is not “locked in” until the time of purchase. A bond’s YTW is not guaranteed; you can earn less than that YTW if you do not hold the bonds to maturity or the issuer defaults.***Rate as of 1/7/25. APY is variable and subject to changeAll investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7% yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 1/7/25. A bond’s yield is a function of its market price, which can fluctuate; therefore a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See Bond Account Disclosures to learn more. VIEW DETAILS on Public's website Additional FeaturesInvest in stocks, bonds, options, ETFs, crypto and moreReceive rebates on stock & ETF options contractsLock in a 7% yield with a Bond Account**Member of FINRA, US-based companyEarn 4.1%*** APY on your cash with a high-yield cash accountEarn up to $10,000 when you transfer your portfolio to Public*Additional FeaturesInvest in stocks, bonds, options, ETFs, crypto and moreReceive rebates on stock & ETF options contractsLock in a 7% yield with a Bond Account**Member of FINRA, US-based companyEarn 4.1%*** APY on your cash with a high-yield cash accountEarn up to $10,000 when you transfer your portfolio to Public*VIEW LESS LISTINGSPowered By:Powered By:/* Loader */ #UaGRtaQEFuHKRbru .spinner { display: none; } #UaGRtaQEFuHKRbru.listingsLoading .spinner { display: block; } #UaGRtaQEFuHKRbru.listingsLoading .widget-render-result { display: none; } #UaGRtaQEFuHKRbru.listingsLoaded .widget-render-result { display: block; } #UaGRtaQEFuHKRbru.listingsLoaded .spinner { display: none; } #UaGRtaQEFuHKRbru.listingsLoading .search-result-container .spinner { display: block; } #UaGRtaQEFuHKRbru.listingsLoaded.listingsLoading .spinner { display: block; } #UaGRtaQEFuHKRbru .spinner { display: block; margin: 30px auto; width: 48px; height: 48px; } #UaGRtaQEFuHKRbru .spinner:after { content: " "; display: block; width: 32px; height: 32px; margin: 1px; border-radius: 50%; border: 10px solid #105485; border-color: transparent #105485 transparent #105485; -webkit-animation: lds-dual-ring 1.2s linear infinite; animation: lds-dual-ring 1.2s linear infinite; } @-webkit-keyframes lds-dual-ring { 0% { -webkit-transform: rotate(0deg); transform: rotate(0deg); } 100% { -webkit-transform: rotate(360deg); transform: rotate(360deg); } } @keyframes lds-dual-ring { 0% { -webkit-transform: rotate(0deg); transform: rotate(0deg); } 100% { -webkit-transform: rotate(360deg); transform: rotate(360deg); } } #UaGRtaQEFuHKRbru { font-family: Roboto,sans-serif; margin: 0; font-size: 14px; box-sizing: border-box; -webkit-user-select: none; -moz-user-select: none; -ms-user-select: none; user-select: none; -webkit-tap-highlight-color: transparent; padding: 0 32px; max-width: 1024px; margin: 0 auto; position: relative; } #UaGRtaQEFuHKRbru input.chk-btn { display: none; } #UaGRtaQEFuHKRbru input.chk-btn + label { border: 1px solid #1C96F0; background: #FFFFFF; padding: 5px 8px; cursor: pointer; border-radius: 5px; color: #1C96F0; padding: 10px 16px; font-size: 14px; } #UaGRtaQEFuHKRbru input.chk-btn:not(:checked) + label:hover { box-shadow: 0px 1px 3px; } #UaGRtaQEFuHKRbru input.chk-btn + label:active, #UaGRtaQEFuHKRbru input.chk-btn:checked + label { box-shadow: 0px 0px 3px inset; background: #1C96F0; color: #FFFFFF; } #UaGRtaQEFuHKRbru .filter-check-options-cntnr { display: flex; flex-flow: row wrap; width: 100%; align-items: center; justify-content: flex-start; margin-top: 24px; } #UaGRtaQEFuHKRbru .check-elem { display: flex; margin: 5px; } #UaGRtaQEFuHKRbru .check-elem.view-btn, #UaGRtaQEFuHKRbru .check-elem.view-less-btn { background: #E9F5FF; padding: 10px 20px; border-radius: 6px; color: #1C96F0; font-size: 14px; font-weight: bold; cursor: pointer; } #UaGRtaQEFuHKRbru .check-elem.view-btn { background: #E9F5FF; padding: 10px 20px; border-radius: 6px; color: #1C96F0; font-size: 14px; font-weight: bold; } #UaGRtaQEFuHKRbru .shmktpl-title { font-size: 42px; line-height: 51px; font-weight: 500; } #UaGRtaQEFuHKRbru .shmktpl-subtitle { font-size: 20px; color: #0A3B5F; line-height: 24px; } #UaGRtaQEFuHKRbru .sub-heading-container { display: flex; justify-content: space-between; margin-top: 10px; } #UaGRtaQEFuHKRbru .prod-desc-text { font-size: 12px; text-decoration: underline; color: #1C96F0; cursor: pointer; line-height: 16px; } #UaGRtaQEFuHKRbru .hide { display: none; } #UaGRtaQEFuHKRbru .overlay-background-blur { position: fixed; top: 0px; left: 0px; width: 100%; height: 100%; background: rgba(53, 49, 69, 0.4); z-index: 1; } #UaGRtaQEFuHKRbru .prod-desc-popup-content { top: 5%; margin-top: 20px; padding-bottom: 0; position: fixed; z-index: 1000; left: 0; right: 0; min-width: 600px; width: 80%; height: 90%; overflow-y: scroll; margin: auto; text-align: left; background-color: #fff; border: solid 1px #dcdcde; font-size: 12px; -webkit-box-shadow: -2px 2px 2px 0px rgba(220,220,222,0.75); -moz-box-shadow: -2px 2px 2px 0px rgba(220, 220, 222, 0.75); box-shadow: -2px 2px 2px 0px rgba(220, 220, 222, 0.75); -webkit-border-radius: .125rem; -moz-border-radius: .125rem; border-radius: .125rem; color: #000; line-height: 30px; box-shadow: 0px 0px 8px #0C1B2428; } #UaGRtaQEFuHKRbru .overlay-close-btn { background-image: url("data:image/svg+xml;base64,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"); height: 24px; width: 24px; right: 0; position: absolute; top: 12px; right: 12px; cursor: pointer; } #UaGRtaQEFuHKRbru .prod-desc-content-cntnr { font-size: 20px; color: #0A3C5F; } #UaGRtaQEFuHKRbru .prod-desc-content-cntnr .prod-desc-header { font-size: 20px; color: #0A3C5F; padding: 16px 25px; border-bottom: 1px solid #D0E0EE; } #UaGRtaQEFuHKRbru .product-list { display: flex; flex-flow: row wrap; } #UaGRtaQEFuHKRbru .item { flex: 1 1 calc(33.3% - 48px); align-items: unset; padding: 12px 24px; flex-flow: column; align-content: center; } #UaGRtaQEFuHKRbru .description { font-size: 12px; line-height: 18px; } #UaGRtaQEFuHKRbru .title { font-size: 12px; color: #0A3C5F; font-weight: bold; } #UaGRtaQEFuHKRbru .description-title { text-transform: uppercase; } .row-odd, .row-even { display: flex; margin-top: 12px; justify-content: space-between; } .desktop-bg { background: #E9F5FF; } .add-overlay-content { width: 400px; margin: auto; right: 3%; padding: 16px 24px; border: 2px solid #D0E0EE; border-radius: 6px; position: absolute; background: #eceef1; color: black; font-size: 12px; top: 50px; z-index: 5; } .disclosure-title { font-size: 20px; color: #0A3C5F; font-weight: normal; padding: 16px 0px; border-bottom: 1px solid #D0E0EE; } .filter-disclosure-content { font-size: 14px; color: #08283B; line-height: 22px; margin-top: 10px; max-height: 150px; overflow-y: scroll; padding-right: 10px; } .header-section { display: none; justify-content: space-between; padding: 26px 0px; border-bottom: 1px solid #D0E0EE; } .add-text { font-size: 12px; color: #1C96F0; text-decoration: underline; cursor: pointer; } .title-container { margin-top: 22px; } @media (max-width : 575px) { .filter-disclosure-content { max-height: 250px; } .add-overlay-content { width: 80%; } } #UaGRtaQEFuHKRbru input.chk-btn + label { padding: 10px 11px; } #UaGRtaQEFuHKRbru .check-elem { margin: 3px; } #UaGRtaQEFuHKRbru.minFilter .check-elem.annuity { display: none !important; } #UaGRtaQEFuHKRbru.minFilter .check-elem.businesschecking { display: none !important; } #UaGRtaQEFuHKRbru.minFilter .check-elem.view-btn { display: none; } #UaGRtaQEFuHKRbru.minFilter input.chk-btn + label { padding: 10px 11px; } #UaGRtaQEFuHKRbru .sh-msg { display: none; font-size: 20px; text-align: center; margin-top: 20px; } @media (max-width: 375px) { #UaGRtaQEFuHKRbru input.chk-btn + label { padding: 10px 8px; } #UaGRtaQEFuHKRbru.minFilter input.chk-btn + label { padding: 10px 8px; } } @media (max-width: 360px) { #UaGRtaQEFuHKRbru input.chk-btn + label { padding: 10px 3px; font-size: 12px; } #UaGRtaQEFuHKRbru.minFilter input.chk-btn + label { padding: 10px 4px; font-size: 12px; } } #UaGRtaQEFuHKRbru .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #UaGRtaQEFuHKRbru.loadingMessage .sh-loading-msg { display: block; } #UaGRtaQEFuHKRbru.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media (max-width: 650px){ #UaGRtaQEFuHKRbru .sh-loading-msg { font-size: 18px; } } #UaGRtaQEFuHKRbru .mobile { display: none; } #UaGRtaQEFuHKRbru .sh-hide { display: none; } #UaGRtaQEFuHKRbru .desktop { display: block; } #UaGRtaQEFuHKRbru .desktop-inline { display: inline-block; } #UaGRtaQEFuHKRbru .row-1, #UaGRtaQEFuHKRbru .row-2 { display: flex; } #UaGRtaQEFuHKRbru .row-1 { padding: 24px 23px 24px 24px; justify-content: space-between; } #UaGRtaQEFuHKRbru .row-2 { background: #F2F9FF 0% 0% no-repeat padding-box; width: 100%; } #UaGRtaQEFuHKRbru .row-2 .listing-description { padding: 24px 23px; width: 100%; } #UaGRtaQEFuHKRbru .logo-image-wrapper { margin: auto; width: 196px; } #UaGRtaQEFuHKRbru .logo-column { display: flex; align-items: center; } #UaGRtaQEFuHKRbru .logo-image-wrapper img { width: 100%; height: auto; } #UaGRtaQEFuHKRbru .ad-copy { margin-left: 24px; } #UaGRtaQEFuHKRbru .total-results { color: #0A3B5F; font-weight: bold; font-size: 14px; } #UaGRtaQEFuHKRbru .listing-description .disclosure-content { margin-top: 0px; } #UaGRtaQEFuHKRbru .logo-column.flex-container { flex: 0 0 20%; } #UaGRtaQEFuHKRbru .ad-copy-column.flex-container { flex: 0 0 78%; } #UaGRtaQEFuHKRbru .top-section-right { margin-left: 5px; } #UaGRtaQEFuHKRbru .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #UaGRtaQEFuHKRbru .ad-copy { margin-left: 24px; } #UaGRtaQEFuHKRbru .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #UaGRtaQEFuHKRbru .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #UaGRtaQEFuHKRbru .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #UaGRtaQEFuHKRbru .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #UaGRtaQEFuHKRbru .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #UaGRtaQEFuHKRbru .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #UaGRtaQEFuHKRbru .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #UaGRtaQEFuHKRbru .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #UaGRtaQEFuHKRbru .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #UaGRtaQEFuHKRbru .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #UaGRtaQEFuHKRbru .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #UaGRtaQEFuHKRbru .disclosure-contnr { text-align: center; } #UaGRtaQEFuHKRbru .listing-header-cntnr { margin-top: 34px; } #UaGRtaQEFuHKRbru .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #UaGRtaQEFuHKRbru .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #UaGRtaQEFuHKRbru .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #UaGRtaQEFuHKRbru .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #UaGRtaQEFuHKRbru .apy-label { font: normal normal 900 24px / 28px Roboto; } #UaGRtaQEFuHKRbru .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #UaGRtaQEFuHKRbru .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #UaGRtaQEFuHKRbru .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #UaGRtaQEFuHKRbru .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #UaGRtaQEFuHKRbru .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #UaGRtaQEFuHKRbru .additional-content { margin-top: 0px !important; } #UaGRtaQEFuHKRbru .additional-content ul li { margin-bottom: 0; } #UaGRtaQEFuHKRbru .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #UaGRtaQEFuHKRbru .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #UaGRtaQEFuHKRbru .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #UaGRtaQEFuHKRbru .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #UaGRtaQEFuHKRbru .shArrow { width: 12px; height: 7px; } #UaGRtaQEFuHKRbru span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #UaGRtaQEFuHKRbru .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #UaGRtaQEFuHKRbru .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #UaGRtaQEFuHKRbru #see_more_carrier, #UaGRtaQEFuHKRbru .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #UaGRtaQEFuHKRbru .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #UaGRtaQEFuHKRbru .apy-label p { margin-top: 0px; margin-bottom: 0px; } #UaGRtaQEFuHKRbru .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #UaGRtaQEFuHKRbru { padding: 0 26px; } #UaGRtaQEFuHKRbru .logo-image-wrapper { width: 136px; } #UaGRtaQEFuHKRbru .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #UaGRtaQEFuHKRbru .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #UaGRtaQEFuHKRbru .prop-value-container .apy-container { flex: 0 0 44%; } #UaGRtaQEFuHKRbru .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru .prop-value-container .minvalue-container { flex: 0 0 28%; } #UaGRtaQEFuHKRbru .ad-copy-top-section { margin-bottom: 15px; } #UaGRtaQEFuHKRbru .sh-row-product-title { max-width: 136px; } #UaGRtaQEFuHKRbru .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #UaGRtaQEFuHKRbru .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #UaGRtaQEFuHKRbru .logo-image-wrapper { width: 100%; max-width: 292px; } #UaGRtaQEFuHKRbru .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #UaGRtaQEFuHKRbru .ad-copy { margin-left: 0; } #UaGRtaQEFuHKRbru .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #UaGRtaQEFuHKRbru .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #UaGRtaQEFuHKRbru .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #UaGRtaQEFuHKRbru .see-more-text { padding: 16px 15px; } #UaGRtaQEFuHKRbru .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #UaGRtaQEFuHKRbru .top-section-right { margin-left: 0px; } #UaGRtaQEFuHKRbru .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #UaGRtaQEFuHKRbru.sizeone .header-section { padding: 6px 10px; } } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .row-1 { padding-left: 14px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .listing-title, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .shmktpl-button, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .prop-value-container .apy-container, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .prop-value-container .mfee-container, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .prop-value-container .mfee-container #UaGRtaQEFuHKRbru.sh-box650.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .prop-value-container .minvalue-container, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .sh-row-product-title, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .disclosure-content ul li, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box750.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box800.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box850.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box900.device-desktop .ad-copy-top-section, #UaGRtaQEFuHKRbru.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #UaGRtaQEFuHKRbru.sh-box650.device-desktop .row-1, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .row-1 , #UaGRtaQEFuHKRbru.sh-box650.device-desktop .row-2, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .row-2 , #UaGRtaQEFuHKRbru.sh-box500.device-desktop .row-1, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .row-1 , #UaGRtaQEFuHKRbru.sh-box500.device-desktop .row-2, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .row-2{ display: unset; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .ad-copy, #UaGRtaQEFuHKRbru.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .apy-label, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .apy-label, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .apy-label, #UaGRtaQEFuHKRbru.sh-box500.device-desktop .apy-label, #UaGRtaQEFuHKRbru.sh-box650.device-desktop .prop-value, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .prop-value, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .prop-value, #UaGRtaQEFuHKRbru.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box700.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box550.device-desktop .logo-image-wrapper, #UaGRtaQEFuHKRbru.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #UaGRtaQEFuHKRbru.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#UaGRtaQEFuHKRbru.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#UaGRtaQEFuHKRbru.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#UaGRtaQEFuHKRbru.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #UaGRtaQEFuHKRbru .shmktpl-title, #UaGRtaQEFuHKRbru .sub-heading-container, #UaGRtaQEFuHKRbru .filter-check-options-cntnr, #UaGRtaQEFuHKRbru .listing-header-cntnr { display: none; } #UaGRtaQEFuHKRbru.title .shmktpl-title, #UaGRtaQEFuHKRbru.subHeading .sub-heading-container, #UaGRtaQEFuHKRbru.multiSelectFilter .filter-check-options-cntnr, #UaGRtaQEFuHKRbru.resultsText .listing-header-cntnr { display: flex; } #UaGRtaQEFuHKRbru.sizeone .add-overlay-content { width: 62%; height: auto; } #UaGRtaQEFuHKRbru.sizeone .disclosure-title { padding: 6px 0px; } #UaGRtaQEFuHKRbru.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #UaGRtaQEFuHKRbru .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #UaGRtaQEFuHKRbru.sizeone .title-container { margin-top: 0; } #UaGRtaQEFuHKRbru.sizeone .non_featured_list { margin-top: 0; } #UaGRtaQEFuHKRbru.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #UaGRtaQEFuHKRbru.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #UaGRtaQEFuHKRbru .item { flex: 1 1 calc(50% - 48px); } #UaGRtaQEFuHKRbru .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #UaGRtaQEFuHKRbru .item:nth-of-type(4n+3), #UaGRtaQEFuHKRbru .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #UaGRtaQEFuHKRbru .item:nth-of-type(4n+1), #UaGRtaQEFuHKRbru .item:nth-of-type(4n+1) + * { background-color: #fff; } #UaGRtaQEFuHKRbru .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #UaGRtaQEFuHKRbru .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #UaGRtaQEFuHKRbru .desktop, #UaGRtaQEFuHKRbru .desktop-inline { display: none; } #UaGRtaQEFuHKRbru .mobile { display: block !important; } #UaGRtaQEFuHKRbru { padding: 0 18px; } #UaGRtaQEFuHKRbru .shmktpl-title { font-size: 24px; line-height: 29px; } #UaGRtaQEFuHKRbru .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #UaGRtaQEFuHKRbru .add-overlay-content { width: 80%; height: auto; } #UaGRtaQEFuHKRbru .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #UaGRtaQEFuHKRbru .row-1 { flex-flow: column; padding: 16px; } #UaGRtaQEFuHKRbru .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #UaGRtaQEFuHKRbru .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #UaGRtaQEFuHKRbru .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #UaGRtaQEFuHKRbru .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #UaGRtaQEFuHKRbru .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #UaGRtaQEFuHKRbru .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #UaGRtaQEFuHKRbru .prop-value { margin-top: 0; } #UaGRtaQEFuHKRbru .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #UaGRtaQEFuHKRbru .non_featured_list { margin-top: 18px; } #UaGRtaQEFuHKRbru .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #UaGRtaQEFuHKRbru .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #UaGRtaQEFuHKRbru .item:nth-child(3n), #UaGRtaQEFuHKRbru .desktop-bg { background: none; } #UaGRtaQEFuHKRbru .prod-desc-popup-content { padding: 0; } #UaGRtaQEFuHKRbru .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #UaGRtaQEFuHKRbru .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #UaGRtaQEFuHKRbru .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #UaGRtaQEFuHKRbru .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #UaGRtaQEFuHKRbru .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #UaGRtaQEFuHKRbru .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #UaGRtaQEFuHKRbru .disclosure-content ul { padding-left: 14px; line-height: 28px; } #UaGRtaQEFuHKRbru .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #UaGRtaQEFuHKRbru .additional-features { flex: 0 0 100%; } #UaGRtaQEFuHKRbru .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #UaGRtaQEFuHKRbru.sizeone .listing-header-cntnr { display: none; } #UaGRtaQEFuHKRbru.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #UaGRtaQEFuHKRbru .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #UaGRtaQEFuHKRbru .prod-desc-popup-content { position: fixed; } } #UaGRtaQEFuHKRbru.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #UaGRtaQEFuHKRbru.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #UaGRtaQEFuHKRbru.listingAlignment .logo-image-wrapper img { width: 100%; } #UaGRtaQEFuHKRbru.listingAlignment { padding: 0px; } #UaGRtaQEFuHKRbru.listingAlignment .listing-title { font-size: 14px; } #UaGRtaQEFuHKRbru.listingAlignment .listing-title span { font-size: 14px; } #UaGRtaQEFuHKRbru.listingAlignment .row-1 { padding: 26px 10px; } #UaGRtaQEFuHKRbru.listingAlignment .prop-name { font-size: 10px; } #UaGRtaQEFuHKRbru.listingAlignment .prop-value { font-size: 14px } #UaGRtaQEFuHKRbru.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #UaGRtaQEFuHKRbru.listingAlignment .logo-column.flex-container { flex: unset; } #UaGRtaQEFuHKRbru.listingAlignment .prop-conatiner { flex: unset; } #UaGRtaQEFuHKRbru.listingAlignment .ad-copy-column.flex-container { flex: unset; } #UaGRtaQEFuHKRbru.listingAlignment .cta-column.flex-container { flex: unset; } #UaGRtaQEFuHKRbru.listingAlignment .disclosure-content ul li::before { content: unset; } #UaGRtaQEFuHKRbru.listingAlignment .disclosure-content ul li { list-style: disc; } } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #UaGRtaQEFuHKRbru.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #UaGRtaQEFuHKRbru.ctaAlignment .cta-column.flex-container { display: block !important; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button { font-size: 16px; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #UaGRtaQEFuHKRbru.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #UaGRtaQEFuHKRbru .sh-no-listing-msg { padding: 20px 0px; } #UaGRtaQEFuHKRbru .sh-widget-footer-MBT { display: none; } #UaGRtaQEFuHKRbru.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #UaGRtaQEFuHKRbru.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #UaGRtaQEFuHKRbru.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #UaGRtaQEFuHKRbru .sh-widget-footer-QS { display: none; } #UaGRtaQEFuHKRbru.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #UaGRtaQEFuHKRbru.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #UaGRtaQEFuHKRbru.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title, #UaGRtaQEFuHKRbru.customizeColorEffect .prop-name, #UaGRtaQEFuHKRbru.customizeColorEffect .prop-value, #UaGRtaQEFuHKRbru.customizeColorEffect .curDate, #UaGRtaQEFuHKRbru.customizeColorEffect span.current-date, #UaGRtaQEFuHKRbru.customizeColorEffect .disclosure-content ul li, #UaGRtaQEFuHKRbru.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #UaGRtaQEFuHKRbru.customizeColorEffect .add-text, #UaGRtaQEFuHKRbru.customizeColorEffect .see-more-text, #UaGRtaQEFuHKRbru.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #UaGRtaQEFuHKRbru.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #UaGRtaQEFuHKRbru.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #UaGRtaQEFuHKRbru.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #UaGRtaQEFuHKRbru.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #UaGRtaQEFuHKRbru.sizeone.customizeColorEffect .header-section, #UaGRtaQEFuHKRbru.customizeColorEffect .row-2 { background: #E9F0EC; } #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title { display: unset; } #UaGRtaQEFuHKRbru.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title .prod-name:hover, #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title:hover, #UaGRtaQEFuHKRbru.customizeColorEffect .add-text:hover, #UaGRtaQEFuHKRbru.customizeColorEffect .disclosure-contnr .text:hover, #UaGRtaQEFuHKRbru.customizeColorEffect .see-more-text:hover { color: #EB0017; } #UaGRtaQEFuHKRbru.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #UaGRtaQEFuHKRbru.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #UaGRtaQEFuHKRbru.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #UaGRtaQEFuHKRbru.customizeColorEffect .listing-title { display: block; } #UaGRtaQEFuHKRbru.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #UaGRtaQEFuHKRbru.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #UaGRtaQEFuHKRbru .sh-right-arrow { display: none; } #UaGRtaQEFuHKRbru.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #UaGRtaQEFuHKRbru .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #UaGRtaQEFuHKRbru.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #UaGRtaQEFuHKRbru.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #UaGRtaQEFuHKRbru{position:relative;}.add-overlay-content{right: 4%;}#UaGRtaQEFuHKRbru .shmktpl-button span.btn__text::after{display:none;} #UaGRtaQEFuHKRbru .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #UaGRtaQEFuHKRbru .shmktpl-button:hover{background:#0E86DE;} #UaGRtaQEFuHKRbru .add-text:hover {color:#0E86DE;} #UaGRtaQEFuHKRbru .listing-title .prod-name:hover{color:#0E86DE;} #UaGRtaQEFuHKRbru .disclosure-contnr .text:hover{color:#0E86DE;} #UaGRtaQEFuHKRbru .see-more-text{width:68px} #UaGRtaQEFuHKRbru .see-more-text:hover{color:#0E86DE;} #UaGRtaQEFuHKRbru .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }How to invest in silver Investing in silver can take many different forms. You can choose to collect physical silver, or you can (more commonly) invest in silver exchange-traded funds (ETFs).The latter allows you to buy shares in a fund that holds silver—meaning you won’t have to store and insure it yourself. Popular silver investment options include: Silver bullion.Sold as bars or rounds, you can purchase these by weight and purity. Silver coins.While coins and rounds may look similar, coins are government-minted currency. There are many silver coin options that tend to price higher than standard bullion, including American Silver Eagle and Silver Maple Leaf coins due to factors such as rarity and government backing. Silver jewelry.Silver crafted into jewelry prices above silver bullion of equal purity. Silver mining stocks.Purchasing stock in a company that mines silver allows you to bet on silver without owning any metals yourself. Silver investments, such as silver bullion and coins, follow the “three nines fine” rule to be traded on exchange platforms. If it’s less than 99.9% pure, it’s typically considered a collectible or industrial-grade. The best silver IRA companies can walk you through the specifics.Is it a good time to invest in silver? Silver is doing well in 2025, rising nearly 25% year-to-date. It’s currently priced higher than any time in the previous decade. Still, the answer as to whether now is a good time to invest in silver is subjective. For example, if you’re worried about increased inflation, adding precious metals to your portfolio can be a smart choice. Or, if you’re looking toward an impending surge in silver demand (perhaps from increasing popularity in green initiatives that require silver, such as solar equipment) that could drive up value, buying silver might make sense. Current precious metals prices as of 8:15 a.m. ET on December 1, 2025 Precious metal Price per ounceGold$4,256.65Silver$57.59Platinum$1,686.15Palladium$1,478.67GoldPrice per ounce$4,256.65SilverPrice per ounce$57.59PlatinumPrice per ounce$1,686.15PalladiumPrice per ounce$1,478.67Gold, platinum, and palladium are also investor favorites. Platinum and palladium typically act similarly to silver in volatility. They’ve got a smaller global market compared to gold, meaning even seemingly trifling market changes can result in big price fluctuations. Gold, meanwhile, tends to be less volatile overall than these metals.Pro tipWant to stick with gold over other precious metals? See our recommendations for the best gold IRA companies. The takeaway With the U.S. economy experiencing unique uncertainty of late, precious metals may be an investment on your radar. Silver has outpaced gold in 2025 in terms of growth, and some experts suspect a boom in the coming years that could result in silver pricing at an all-time high over again. Silver is a very accessible investment, especially compared to the price of gold. Even if you’re reluctant to hold physical coins or bars, you can choose to buy silver ETFs or silver mining stocks to ride the expert-predicted silver wave. Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Experts recommend between 10% and 15% of your portfolio to be in silver—with no more than 20% in total invested in precious metals. Can silver be held in an IRA?Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA. That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.What’s driving silver prices in 2025? Silver has been increasing in value due to a combination of scarcity and both industrial and investor demand.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Rate Mortgage review 2025
One of the biggest mortgage lenders in terms of dollar volume is Rate Mortgage, ranking 6th only behind juggernauts like Chase, U.S. Bank, and Rocket Mortgage, per recent Home Mortgage Disclosure Act numbers. You may know the lender under its previous title, “Guaranteed Rate,” which was rebranded simply to “Rate” in 2024.With its laundry list of loan options and unique programs that subsidize low- to moderate-income buyers, Rate Mortgage does a lot of things well. But is it the right institution to fulfill your homebuying goals? Here’s a rundown of what you can expect from Rate.Lender details checked Nov. 20, 2025, and are subject to change.Rate MortgageMinimum credit score620States available50Mortgage loan optionsFixed-rate, adjustable-rate, conventional, jumbo, FHA, VA, USDA, interest-only, non-QM, physician, reverseView offerat BankrateApplication process Rate has a simple online mortgage process that starts with PowerBid, its signature preapproval process that could potentially have you preapproved in just five minutes. The loan application takes approximately 10-15 minutes and you could be approved the same day. According to Rate, it typically takes 30-45 days to close on a loan, but you could close in as little as 10 days.Who its best for Rate is a strong choice for borrowers who want a smooth online loan process. And thanks to its same-day approval and closings in as little as 10 days, it could be a good option for borrowers who want an expedited mortgage process too. Company informationYear Founded: 2000Company Headquarters: Chicago, ILCEO: Victor F. Ciardelli IIIWho is Rate Mortgage best for?Most features of Rate Mortgage are relatively standard across mortgage lenders, but it does have a handful of unique features that will appeal to certain borrowers.First, it’s good for those who want to service their mortgage in-person. Rate offers more than 340 branches across 47 states. This is a perk that fully digital lenders, such as Rocket Mortgage, don’t offer.Rate Mortgage also offers certain loan types that you won’t find with every lender. As an example, Rate issues non-qualified mortgages (non-QMs) which cater to those without a Social Security number, the self-employed, and real estate investors.And because Rate Mortgage publishes its rates online, it’s also helpful for those still in the rate shopping stage. Some lenders require that you reach out to customer service to learn current rates—but it just takes a few clicks on the Rate Mortgage website.N/AProsDisplays rates onlineWide selection of loan optionUp to $2,000 grant to help with down paymentConsHistorically below-average satisfaction rating with J.D. PowerSome loans may be sold to third partiesRate Mortgage home loan optionsRate Mortgage issues standard loan type, but you’ll also find some more niche options.Conventional loansThe most flexible type of mortgage, a conventional loan can be used for nearly any property type—from single-family homes to investment properties. Rate Mortgage offers 15-year fixed, 30-year fixed, and adjustable rate mortgages (ARMs).You can also use programs like Fannie Mae HomeReady with a conventional loan, which provides up to 97% financing.FHA loansThis is a government-backed loan that extends more flexibility to would-be homebuyers who have less-than-stellar credit profiles. FHA loans require as little as 3.5% down (depending on your credit score). However, you’ll have to pay Mortgage Insurance Premium payments.USDA loansGovernment-backed USDA loans are designed to help those with low- or moderate-income who are interested in purchasing a home in eligible rural areas. Uniquely, no down payment is required—and mortgage insurance costs are typically lower, too.VA loansEligible service members, veterans, and spouses can use a VA home loan, backed by the Department of Veterans Affairs, to buy a home with several conveniences and money-saving benefits. For example, you can buy with no minimum credit score requirement, no lender fee when you close, and potentially no down payment.Jumbo loansA jumbo loan is a non-conforming loan that allows you to buy a more expensive home than a conventional mortgage may cover. For example, conforming loans eligible for Fannie Mae and Freddie Mac to take on are typically capped at $806,500 (though the conforming loan limit is sometimes higher based on location). If the home you want is more expensive than that, a jumbo loan may be necessary.Through Rate Mortgage, you can open a jumbo loan with as little as 10% down. Some lenders require 20% down, so this is an advantage of opening your loan through Rate.Closed-end second mortgagesEffectively a home equity loan, a closed-end second mortgage allows you to borrow against the equity you’ve built into your home by receiving a lump sum of cash. You’ll then be put on an installment plan until that equity has been repaid into your home. They can be agreat resource for things like debt consolidation or a large emergency purchase that you can’t otherwise afford.Home equity lines of credit (HELOC)Similar to a home equity loan, a HELOC is a revolving line of credit backed by your home’s equity. When you use a portion of your credit line, your borrowing amount will decrease. Pay it back, and your credit line will replenish (just like a credit card).In general, your line of credit will stay open for 10 years. You’ll then have to repay your outstanding balance—up to 20 years or more.Reverse mortgages A reverse mortgage with Rate is another way to borrow against your home’s equity. Those aged 62 or older and with at least 60% equity built in their home can request a reverse mortgage to avoid mortgage payments and receive money to help fund living expenses. This diminishes the profit you’ll make when selling the house, as a portion of your profit will go toward repaying the loan. Non-qualified mortgagesA non-qualified mortgage (non-QM) helps those in unique situations to buy a home. Rate Mortgage offers the following non-QM options:Bank Statement: For those who don’t have traditional income (say, from a W-2), lenders look at your bank statements instead of your paystubs. This is great for investors, real estate agents, etc.Full Doc: Fully documented home loans require that you give the lender your bank/investment account statements proving you’ve got the means to cover the down payment and any closing costs—in addition to verification of employment. This can potentially result in better loan terms and options.ITIN: Even if you don’t have a Social Security number, it’s possible to still buy a home with an Individual Taxpayer Identification Number (ITIN) home loan. As long as you’ve got an ITIN, another form of identification (like a driver’s license), and proof of employment history, you may be eligible.DSCR: A debt service coverage ratio home loan is for anyone interested in buying an “income-producing” property, such as an apartment building they intend to rent. You may be able to use the cash flow of the property to receive approval instead of your own personal income.Self Employed 1099: This loan is designed for the self-employed (think freelancers, business owners, etc.).Home renovation loans If you’d like to give your home a facelift, a home renovation loan can be a smart way to finance it. You can borrow based on the value of your property after you implement your desired improvements.RefinancingRate Mortgage also offers refinancing options for your home, which can potentially reduce monthly payments if interest rates have dropped. You can even refinance beyond what you currently owe to get some extra cash for needs like debt consolidation. Does Rate Mortgage offer discounts or assistance?Fannie Mae HomeReady and Freddie Mac Home PossibleFor conventional loans, Rate Mortgage loans qualify for popular assistance programs from Fannie Mae and Freddie Mac.Fannie Mae HomeReady and Freddie Mac Home Possible are programs that provide qualified low- to moderate-income buyers the ability to buy a home with a down payment as little as 3%. Just note that you’ll pay private mortgage insurance until you’ve achieved 20% equity in your home.Additionally, these programs are lenient when it comes to the source of funds for your down payment. Money from grants and gifts from relatives is acceptable, and unsecured loans may even qualify in certain circumstances (which is unusual).“OneDown” by RateRate Mortgage offers a program called OneDown which further lowers the amount you need for a down payment.If you make between 51% and 80% of the Area Median Income of your location, this program provices either $2,000 or 2% of the home’s purchase price, whichever is lower. This is a grant that you don’t need to pay back. And if you make 50% or below the Area Median Income, you can potentially receive up to $2,500.OneDown will also provide a $1,000 closing cost credit to offset lender fees, as of this writing.How to apply for a home loan with Rate MortgageRate Mortgage makes the home loan application process quick and easy. You’ll begin by stipulating whether you’d like to buy or refinance. Answer a few questions about yourself, including your location, credit score, the estimated price of the home you want, and your down payment.After that, you’ll enter more property information, specifics about your income, and reveal any assets that may boost you towards an approval. Rate says it will never sell your information to third parties.If you have any application questions, you can contact Rate at 833-539-1346 or send a message at direct.quote@rate.com.Is Rate Mortgage reputable?Rate Mortgage maintains an A+ rating with the Better Business Bureau, which typically means it responds to complaints. However, it receives only 2.42 out of 5 stars. A rating like that can generally be attributed to the fact that disgruntled customers are more vocal than satisfied customers.Still, Rate Mortgage scored a little below average on the J.D. Power 2025 U.S. Mortgage Origination Satisfaction Study. While the study average was a score of 760, Rate scored a 755.Alternatives to Rate MortgageRocket Mortgage Rocket Mortgage is a digital lender that offers a wide range of loan options (though it does lack USDA loans). It’s good for low- to moderate-income customers thanks to its various programs, and it provides solutions to those struggling to come up with a down payment.Rocket Mortgage doesn’t have any physical branches, so you can’t service your loan in-person as you can do with Rate Mortgage.Rocket MortgageTrustpilot Rating4.6 out of 5Trustpilot Reviews38,411Loan origination volume as of July 31$29.1 billionView offerat Rocket MortgageCompany insightsYear Founded: 1985Company Headquarters: Detroit, MICEO: Jay BrayFortune Rankings#619on the 2025 Fortune 500 list#28on Fortune’s 2025 100 Best Companies to Work For list#29on Fortune’s 2024 Best Large Workplaces for Parents list#62on Fortune’s 2024 Best Large Workplaces for Women list#2on Fortune’s 2024 Best Large Workplaces in Real Estate list#92on Fortune’s 2024 Best Large Workplaces for Millennials list#2on Fortune’s 2023 Best Large Workplaces in Financial Services and Insurance listMovement MortgageMovement Mortgage is an “impact lender,” directing up to 50% of its profit into the communities it works with. It provides plenty of loan types, and it prides itself on its speedy underwriting process and closing time. Movement Mortgage doesn’t disclose its rates online, however, which can be a frustrating experience for those in the rate shopping stage. Similar to Rate Mortgage, Movement offers hundreds of physical branches around the U.S., so it’s great for those who prefer an in-person experience.Movement MortgageMinimum credit score580 (for FHA and VA loans)States available50Mortgage loan optionsConventional, HomeReady, jumbo, high balance, FHA, VA, USDA, renovation, construction, reverseView offerat BankrateApplication processMovement Mortgage has two options when you’re ready to apply for your loan: you can contact a loan officer or start your application online. And, Movement even allows you to see a customized rate quote based on your unique situation without having to get prequalified or get a hard inquiry in your credit report.Who its best for Movement Mortgage will stand out for borrowers who want to make an impact with their dollars. The lender uses its profits to give back to its local communities. Through the Movement Foundation, the company has donated $377 million to the neighborhoods it serves. Company informationYear Founded: 2008Company Headquarters: Indian Land, SCCEO: Casey CrawfordIs Rate Mortgage right for you? Rate Mortgage may not suit every single potential homebuyer or would-be refinancer. But it’s got just about everything you could want, from non-QM options to financial assistance programs, which covers the vast majority of buyer profiles.Again, Rate Mortgage also comes with the added benefit of brick-and-mortar branches for those who are most comfortable talking face-to-face. For something as important as a mortgage, it’s good to have the option to hash things out in-person.But one of the most important details when deciding if a lender is right for you is the interest you’ll pay. If after comparing multiple lenders you find that Rate Mortgage offers one of the most competitive rates, you should consider it a serious candidate.How we evaluated this mortgage lenderTo impartially evaluate Rate Mortgage, Fortune reviewed elements likely to matter most to a majority of customers, from average customer rating to selection of home loan options. Fortune also considered Rate Mortgage’s accessibility and the programs it offers to help those with varying income levels and credit profiles.Frequently asked questionsWhat’s the difference between Rate Mortgage and Guaranteed Rate?Rate Mortgage was originally called Guaranteed Rate. It was rebranded in July 2024.How long does it take to get approved for a Rate Mortgage loan?You can potentially be preapproved for a mortgage with Rate in as little as five minutes. Rate advertises that you can get your documents signed in as little as one day and achieve actual approval in as little as 10 days.What is Rate Mortgage OneDown?Rate’s “OneDown” program is for borrowers who make no more than 80% of the Area Median Income of their location. Depending on your income, Rate will cover up to 2% (or up to $2,500, whichever is less) of your down payment. Combined with programs like Fannie Mae HomeReady, OneDown gives you the ability to open a mortgage with as little as 1% down. It also confers additional credits to offset closing costs.Does Rate Mortgage publish rates online?Rate Mortgage does publish its rates online—something you won’t find with every lender.How many branches does Rate Mortgage have?Rate Mortgage has well over 300 branches across the U.S. That’s considerably fewer than some other lenders, such as Movement Mortgage, but it’s still nice to have the option of visiting a branch if you need an in-person interaction.
Current refi mortgage rates report for Nov. 26, 2025
The current average refinance rate on a 30-year, fixed-rate home loan is 6.38%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Current refi rates dataConventional mortgages30-year6.38%20-year6.53%15-year5.55%10-year5.42%Jumbo mortgages30-year6.64%15-year6.00%FHA loans30-year6.25%15-year5.21%VA loans30-year5.74%15-year5.50%Note thatFortunereviewed the most recent Zillow data available as of Nov. 25.How mortgage refinancing worksMortgage refinancing essentially involves paying off your existing home loan with a new one. Similar to when you applied for a mortgage the first time, you’ll need to apply for the refinance loan and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more. This process generally means there will be a small hit to your credit score due to the hard inquiry. And, you should be aware there’s a risk of denial if you don’t meet the lender’s requirements. What’s happening with mortgage rates in the market?Some observers thought that mortgage interest rates would fall alongside the cuts made by the Federal Reserve to the federal funds rate late last year. However, that didn’t happen, and interest rates remained stubbornly near the 7% mark—considering the nationwide average for 30-year, fixed-rate mortgages—for months. Rates did drop slightly toward the end of February, moving closer to 6.5% than had been seen in a while. Still, rates remain elevated well above pandemic-era lows, when some homeowners got mortgages with rates in the 2% and 3% range. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners carrying a mortgage had an interest rate under 6%. Many Americans have felt locked in, unwilling or unable to move or refinance while rates remained high.There was finally some relief leading up to the Fed’s meetings in September and October, with rates trending noticeably downward ahead of the September meeting and inching downward leading into the October meeting. The central bank cut the federal funds rate at both of those meetings, with a quarter percentage point reduction each time.When it might make sense to refinance your mortgageRefinancing isn’t free, so it’s crucial to weigh the costs. One rule of thumb you’ll hear referenced is that it makes sense to refi if you can secure a rate at least a percentage point lower than your current rate. For example, if rates drop and you’re able to move from a 7% rate to a 6% rate, that’s worth seriously considering.You might also want to refinance if you need to tap your home equity—this can be done via a cash-out refinance, which typically requires that you have built up at least 20% equity in your home. Refinancing can also help change your loan term or switch loan types, such as moving from an FHA loan to a conventional one to get rid of a lifetime mortgage insurance (MIP) requirement, or changing from an adjustable-rate mortgage (ARM) to a fixed-rate loan.It can also be beneficial to refinance if you want to adjust your loan term. For instance, switching from a 15-year to a 30-year mortgage can provide smaller monthly payments, which might be more manageable if your financial situation has changed from when you took out the loan.Costs to refinance your mortgageRefinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, costs might range from $6,000 to $18,000, for example. Some common costs include:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if applicable with your existing lender).Different types of mortgage refi loansSeveral types of refinance options exist, each suited to different goals:Rate-and-term refinance:This is what you’re looking for when you seek to lower your interest rate or change your loan term—though be aware if you shorten your repayment term this will almost certainly result in higher monthly payments.Cash-out refinance:Leverage your home equity by paying off your existing loan and taking out a larger loan, while receiving the difference in cash.No-closing-cost refinance:The lender covers closing costs in exchange for a higher interest rate. This is a refi to approach with educated caution, but could be worthwhile in certain cases. Streamline refinance:Available for FHA, VA, and USDA loans, offering a simpler application process and oftentimes less paperwork. Refinancing with your existing lender vs. a new oneYou’re not required to refinance with your original lender. Shopping around may help you find lower rates and possibly even better service. But, some lenders offer incentives, such as waiving closing costs, for staying with them. So you should broach the topic of refinancing with your existing lender before you make a decision. Lastly, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current refi mortgage rates report for Nov. 27, 2025
The current average refinance rate on a 30-year, fixed-rate home loan is 6.13%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Current refi rates dataConventional mortgages30-year6.13%20-year6.53%15-year5.46%10-year5.42%Jumbo mortgages30-year6.76%15-year5.89%FHA loans30-year7.25%15-year5.19%VA loans30-year5.51%15-year5.23%Note thatFortunereviewed the most recent Zillow data available as of Nov. 26.How mortgage refinancing worksBoiled down to the basics, mortgage refinancing involves paying off your existing loan with a new one. This process requires meeting the lender’s criteria as is the case for any loan—including your credit profile, income verification, and debt-to-income (DTI) ratio. The application process may knock your credit score a little bit due to a hard inquiry, and there’s also the risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some observers had hoped that mortgage interest rates might decrease following the Federal Reserve’s cuts to the federal funds rate late last year. But mortgage rates long remained near 7% for 30-year, fixed-rate loans nationwide. Mortgage interest rates remain significantly elevated compared to the pandemic-era lows in the range of 2% and 3%. As of the third quarter of 2024, 82.8% of homeowners with mortgages had rates below 6%, according to Redfin. This means a large number of Americans have been experiencing the lock-in effect, unable to move or refinance because they’re hanging onto a once-in-a-lifetime rate. However, some relief came in sight toward the end of August and beginning of September 2025 and continued in October. Mortgage rates trended noticeably downward, averaging closer to 6% for 30-year, fixed-rate loans than had been seen in almost a year. This was largely connected with markets anticipating the Fed would cut the federal funds rate when it met Sept. 16-17.The central bank delivered on this expectation, reducing its benchmark rate by a quarter percentage point in September, and followed up with another quarter percentage point cut in October.When it might make sense to refinance your mortgageRefinancing comes with upfront costs, so it’s important to consider when it’s beneficial. One guideline you’ll often hear is that it makes sense to refi if you can secure a rate at least a percentage point lower than your current rate. For instance, if you took out a loan at 7% and rates have since declined, refinancing at 6% would probably be a smart call in terms of long-term savings.You might also refinance to tap into your home equity via a cash-out refinance (which typically requires that you have at least 20% equity built up). Refinancing can also help if you want to change your loan term or switch loan types, such as moving from an FHA loan to a conventional loan to get rid of the FHA loan’s lifetime mortgage insurance (MIP) requirement, or from an adjustable-rate mortgage to a fixed-rate mortgage to avoid the potential for rate hikes.Additionally, refinancing can be beneficial if you want to adjust your loan term. For example, switching from a 15-year to a 30-year mortgage can allow for smaller monthly payments, which might be more manageable if your financial situation has changed.Costs to refinance your mortgageRefinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, costs might range from $6,000 to $18,000. Some common costs include:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if applicable in the terms of your current loan).Different types of mortgage refi loansThere are many types of mortgage refinance loans available, and the right one for you will depend on what you’re trying to do and what type of mortgage you currently have. Here are some common refi types:Rate-and-term refinance:This is probably the most popular refi, offering the chance to secure a lower interest rate or change your loan term. Just know that if you choose to shorten your loan term, while that does typically come with a lower rate and meaningful lifetime interest savings, you’ll have to budget for higher monthly mortgage payments.Cash-out refinance:With a cash-out refi, you can tap your home’s equity by paying off your existing loan balance and accepting a new, larger one. You withdraw the difference in cash. That money can then be used for home improvements, consolidating high-interest debt, or virtually any other financial goal you may have.No-closing-cost refinance:Approach this one with a healthy level of skepticism. With this type of refi, your lender covers the closing costs in exchange for charging a higher interest rate. If you don’t have cash on hand for closing costs and could otherwise benefit from a refinance, this option may be worth a look.Streamline refinance:Available to existing FHA, VA and USDA loan borrowers, a streamline refi will typically involve less documentation and offer a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneYou’re not required to refinance with your original lender. Shopping around might potentially help you find better rates and service. That said, some lenders offer incentives, such as waiving closing costs, for staying with them. So you should at least do the due diligence of checking with your existing lender before making a decision. Also, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Earn up to 4.18% APY with the best CD rates available on Dec. 3, 2025
You’ve still got time to earn solid returns in a certificate of deposit, but don’t delay. The Federal Reserve cut interest rates three times in 2024, and made two long-awaited cuts in 2025 at its September and October meetings, which means average CD yields are well off their past record highs.Currently, the best CD rates offer up to 4.18% annual percentage yield. If you fund a certificate of deposit on December 3, 2025, you could lock in a higher rate for years, depending on what term length best fits your financial objectives.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.#qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer176 .listing:first-child { margin-top: 0; } #qsWidgetContainer176 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer176 .logo-column.flex-container, #qsWidgetContainer176 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer176 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer176 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer176 .apy-label, #qsWidgetContainer176 .curDate, #qsWidgetContainer176 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer176 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer176 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer176 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer176 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer176 .prop-value-container { align-items: stretch; } #qsWidgetContainer176 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer176 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer176 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer176 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer176 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer176 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer176 #sh-star-icon { top: -2px; } #qsWidgetContainer176 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer176 #see_more_carrier, #qsWidgetContainer176 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer176 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer176 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer176 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer176 .shmktpl-sponsored, #qsWidgetContainer176 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer176 .sh-logo { flex-shrink: 1; } #qsWidgetContainer176 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer176 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer176 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer176 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer176 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer176 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }The best CD rates on December 3, 2025: Earn up to 4.18%The highest CD rate of 4.18% is offered by Citibank on its three-month CD. Note that the rates Citi offers may vary depending on your location, so some savers may wish to consider runners-up MYSB Direct and Bread Savings instead.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the highest CD rates on the market:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with some or all of the institutions on the list above, that’s no accident. Big banks—Chase, PNC, and U.S. Bank, for example—are more focused on products like loans and credit cards rather than certificates of deposit. Consequently, they tend to offer CD rates that can suffer in comparison to smaller regional institutions or online banks.CD rates news 2025CD investors should understand that market rates are closely tied to Federal Reserve policy decisions, more specifically changes to the fed funds rate. Staying informed about fed interest rate policy is vital for anyone investing in certificates of deposit.The Fed cut rates three times in 2024, with the final rate reduction in December fixing fed funds at 4.25%-4.50%. The central bank cut rates to support the economy as inflation finally began to subside after its pandemic surge. As a consequence, CD rates came off their recent highs.At its Sept. 16-17, 2025 meeting, the Fed initiated the first rate cut of the year, and followed up with another cut when it met Oct. 28-29. Now, the federal funds rate stands at 3.75%-4.00%. Some CD offerings dipped around the time these cuts rolled out.There’s one more Fed meeting on the calendar this year, with the next one set for Dec. 9-10. CD rates could well dip further if banks anticipate the Fed will enact another cut.The strong average CD yields of 2022 and 2023 were a direct result of the Fed’s post-pandemic rate hike campaign. From March 2022 through July 2023, the FOMC hiked interest rates eleven times, taking fed funds from zero to 5.25%-5.50%. The central bank took action as inflation grew at higher rates than at any time since the 1980s.Remember, current CD rates aren’t far off their recent highs. Investors have an opportunity to secure attractive rates on both short-term and long-term certificates. By placing a larger lump sum into your CD account, you can earn substantial interest.Historical CD ratesIn the early 1980s, CD rates surged into double digits, starkly contrasting with lower rates in 2025. By 2019, however, the APY for a 5-year CD had slightly exceeded 3.00%.Throughout the early 2020s, top rates typically remained below 1.00% APY. In recent years, rates saw a significant increase, with the best offerings surpassing 5.00% APY in 2024. In 2025, however, we’ve seen many rates just under or just above the 4.00% mark.How to get a good CD rateDetermining what constitutes a good CD rate involves striking a balance between the highest rate available and your willingness to lock your money up for a specified term. For instance, investing a large sum in a five-year CD yielding 5.00% may not be a good choice if you need the money sooner or if you believe interest rates could start rising again. But generally speaking, rates that exceed the national average are considered worthwhile. Key factors to consider when comparing CDs include:Term length:Ensure it aligns with your savings goals and timeline.APY:Higher rates typically are offered for longer terms.Minimum deposit:Make sure you can meet the required initial balance.Penalties:Understand the costs associated with withdrawing funds before maturity.Deposit insurance:Verify that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)-insured for deposit protection.Note that online banks typically offer better CD yields—just be mindful of any minimum balance requirements and associated fees. Choosing a bank over a broker can sometimes help avoid unnecessary fees.Look into offerings from online banksOnline banks and fintech companies generally offer more competitive rates than big national banks. Large financial institutions primarily earn revenue from interest on loans, fees, and investments in securities.In contrast, smaller banks and online fintech companies attract customers with competitive APYs on deposit accounts. Moreover, online banks typically operate with lower overhead costs, allowing them to pass better rates on to their clients.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.READ BANK REVIEW12345...160Set up a CD ladderCD ladders are perfect for savers who are hesitant to commit funds for extended periods of time. By diversifying savings across CDs with different maturity dates, you can benefit from both short-term accessibility and higher long-term interest rates.For instance, say you invest $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD matures, you can reinvest the funds into a new 3-year CD. This approach allows annual access to your money along with the accrued interest.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current ARM mortgage rates report for Dec. 2, 2025
If you’re planning to buy a home and the idea of a mortgage with an interest that fluctuates doesn’t scare you, you might be the target customer base for adjustable-rate mortgages. While fixed-rate mortgages are by far more popular, ARMs can be a smart financing option for folks who intend to rent out or flip the property they’re buying, or who know they’ll move before the ARM’s fixed-rate period ends and adjustment periods begin.Keep reading and we’ll explain what’s involved with an ARM, evaluate when you might want to consider an ARM instead of a fixed-rate mortgage, and look at ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Average ARM mortgage ratesFortune reviewed the most recent data available as of Dec. 1. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.625%5.875%6.000%APR6.477%6.462%6.553%Interest RateBank of America 7/6 ARM5.625%U.S. Bank 7/6 ARM5.875%Zillow Home Loans 7/6 ARM6.000%APRBank of America 7/6 ARM6.477%U.S. Bank 7/6 ARM6.462%Zillow Home Loans 7/6 ARM6.553%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesApproximately 92% of households with mortgages opt for fixed-rate home loans. Unlike adjustable-rate mortgages (ARMs), which feature interest rates that may change after an initial fixed period, fixed-rate mortgages maintain the same interest rate throughout the loan’s term. It’s no surprise that this stability makes them a popular choice.Still, ARMs can be advantageous in certain scenarios. In fact, you might find yourself among the 8% of mortgage holders who see this type of loan as an opportunity.When you might consider an adjustable-rate mortgageHere are three groups of homebuyers who might benefit from considering an ARM:Short-term/starter home buyers:If you’re confident you won’t stay in your home long-term, an ARM can be a strategic choice. You can likely enjoy the lower fixed-period rate and sell the property before the adjustment phase begins.Real estate investors:ARMs appeal to investors for similar reasons as in the point above. These buyers may secure a low initial rate, then sell the property before the adjustment period starts or adjust the monthly rent amount if the rate increases.Buyers during high-interest-rate periods:Buyers may turn to ARMs when rates are high, as these loans can sometimes offer lower initial rates and potentially even reduced rates later if economic conditions improve.Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs begin with a fixed interest rate for a set duration—commonly three, five, seven, or 10 years—before transitioning into an adjustment period. During the adjustment phase, several factors influence rate changes. These include:Benchmark rates:Many ARMs base their rates on benchmarks like the Secured Overnight Financing Rate (SOFR), which reflects the cost banks themselves face for borrowing cash. The U.S. Treasury publishes a new SOFR daily.Margins:Lenders add a fixed margin to the benchmark rate to calculate your ARM’s interest rate. Margins typically range from 2% to 3.5%, but of course will vary based on factors like the loan, the lender, and your creditworthiness. Rate caps:Caps limit how much your rate can increase during specific periods or over the loan’s lifetime. These include initial adjustment caps, subsequent caps, and lifetime caps.It’s typical for ARMs to have 30-year terms. Common ARM structures include the 5/1 ARM (five years fixed, then annual adjustments) and the 10/6 ARM (10 years fixed, then adjustments every six months). There are also structures such as 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageIf circumstances change after you take out an ARM, such as if you decide you’re going to stay in the home longer than expected, it may be beneficial to refinance to a fixed-rate loan. For example, many Millennial and Gen Z homeowners can’t afford to upgrade and are making do with their starter homes. So, know that you’re not alone if you crunch the numbers and determine the smart move is staying put until the market improves.The process of refinancing from an ARM to a fixed-rate mortgage is much the same as refinancing from a fixed-rate loan to another fixed-rate loan. You’ll shop rates at various lenders, provide documentation, close on your new loan, and pay off the old one.If circumstances change—such as deciding to stay in your home longer—you can refinance from an ARM to a fixed-rate loan. This process is similar to refinancing other mortgage types: shop rates, provide documentation, close on your new loan, and pay off the old one.Pros and cons of adjustable-rate mortgagesAs with any mortgage type, ARMs have their benefits and their drawbacks. Working with a trusted loan officer can help you settle on the right mortgage for your needs. But, here are some basics to be aware of as you start your journey.N/AProsChance for lower initial interest rates compared to fixed-rate loans.Potential for lower monthly payments if rates drop prior to adjustments. Possibility for less stringent borrower requirements.ConsMonthly payments may also increase after the fixed period ends.Complex terms make rate shopping more challenging than with fixed-rate loans.Less long-term stability compared to fixed-rate mortgages.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
The best high-yield savings account rates on Nov. 27, 2025: Earn up to 5.00% APY
Right now, top high-yield savings accounts are offering up to 5.00% APY as of Nov. 27, 2025—and that blows away the FDIC’s national average of 0.40%. For savers who actually want their money to earn something, that’s worth paying attention to.Whether you’re socking away an emergency fund, saving for something big like a vacation, putting away money ahead of buying gold or silver, or thinking long-term about retirement goals, a high-yield savings account deserves serious consideration. It’s a no-fuss way to get real returns.The three highest-APY accounts we’ve identified are as follows:Earn up to 5.00% with Varo Money.Earn up to 4.51% with Axos Bank.Earn up to 4.35% with Newtek Bank.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The highest savings account rates on November 27, 2025Fortunehas partnered with the financial industry consultants at Curinos to give you an accurate look at the highest savings account rates on the market. Varo Money takes the top spot, followed by Axos Bank and Newtek Bank. Read on to see our full list of HYSAs and find the one that’s right for your needs.What the Fortune/Curinos partnership means for youWe partner with Curinos—an industry leader that has operated in the financial services space for over three decades—to track daily rates across savings accounts and CDs from a wide range of institutions. That consistent stream of reports helps us build a genuinely useful resource to point you toward accounts worth your attention.History of savings account ratesWhile the average savings account rate has increased from the lows seen from 2020 to 2022, it’s still far below the APYs available on the most generous high-yield savings accounts on our list.Why should you choose a high-yield savings account?Let’s first clarify that “high-yield savings account” isn’t an official product category. It’s shorthand for any savings account at a bank or credit union offering rates that significantly outpace the industry average.In many cases, high-yield savings accounts are offered by online banks rather than those with brick-and-mortar branches. By not having to pay for branch infrastructure, and oftentimes by offering a slimmed-down selection of products, online banks can provide higher rates to their customers.Pro tipLearn more about different types of savings accounts.If you’re comfortable with online banking, switching to a high-yield account can substantially boost the interest you earn on your savings. Depending on your balance and account’s specific APY, you could potentially pocket hundreds more each year versus sticking with a traditional savings account.How much interest can you earn with a higher APY?Here’s a hypothetical to illustrate why HYSAs are worthwhile. Imagine $5,000 sitting untouched for a year. The estimates below show what one might earn in an account with a 5.00% APY compared to one with a mere 0.40% APY (assuming the APY stays consistent over this period).Initial DepositEstimated Interest0.40% APY$5,000$225.00% APY$5,000$2560.40% APYInitial Deposit$5,000Estimated Interest$225.00% APYInitial Deposit$5,000Estimated Interest$256It’s a relatively easy change to make, and one that offers a real, tangible financial benefit.What should you look for in a high-yield savings account?When you’re shopping around, prioritize these elements:Solid interest rates.Hunt for APYs that’ll actually make a difference in what you earn.Low or zero minimums.Most high-yield accounts won’t force you to start with thousands, which helps if you’re beginning your savings journey.Lack of fees.Steer clear of accounts charging monthly maintenance fees that’ll gnaw away at your interest.Accessible funds.Confirm you can withdraw or transfer money freely—be cognizant of withdrawal restrictions or foreign ATM charges.Protected deposits.Make sure you’ve got FDIC insurance for bank accounts or NCUA insurance for credit union accounts.Do be aware you’ll owe taxes on the interest you earn.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67Frequently asked questionsAre savings account rates going to fall?Potentially. When the Federal Reserve adjusts its benchmark federal funds rate, financial institutions follow along in many instances. Since the Fed kicked off some recent rate cuts in late 2025—good news for borrowers, less so for savers—there’s a legitimate possibility of some savings account rates going down as well.Can I lose money in a high-yield savings account?As long as your account is insured by the FDIC or NCUA, your deposits are protected up to a $250,000 maximum per institution. And, unlike stock investments, your savings account balance isn’t at the mercy of market swings, though inflation running ahead of your APY could eat away at your purchasing power.Is a high-yield savings account still worth it?Yes. Despite recent Fed rate cuts, numerous high-yield savings accounts still deliver near or even over 4.00% APY. These accounts are effectively the best option for earning substantial interest on your money while keeping it readily accessible. However, if you’re open to locking your funds away for a set period of a time, a CD could be worth considering as an alternative.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current ARM mortgage rates report for Nov. 24, 2025
While the bulk of homebuyers choose fixed-rate mortgages, there are cases where you might want to look closely at an adjustable-rate mortgage instead. For example, ARMs can be a smart option for folks buying a property to rent out or flip, or intending to move within a few years—meaning you’d move before the ARM’s introductory fixed-rate period ends and adjustments begin.Read on and we’ll explain how an ARM works, when you might want to consider an ARM over a fixed-rate loan, and look at current ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Average ARM mortgage ratesFortune reviewed the most recent data available as of Nov. 21. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.500%5.875%6.000%APR6.391%6.524%6.607%Interest RateBank of America 7/6 ARM5.500%U.S. Bank 7/6 ARM5.875%Zillow Home Loans 7/6 ARM6.000%APRBank of America 7/6 ARM6.391%U.S. Bank 7/6 ARM6.524%Zillow Home Loans 7/6 ARM6.607%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesAbout 92% of households with mortgages have fixed-rate home loans. Unlike ARMs, where the interest rate can fluctuate after an initial fixed-rate period, your rate is the same for the life of the loan when you have a fixed-rate mortgage. It’s easy to see why that’s a popular option.However, ARMs can make sense in certain situations. In other words, you might find you’re among the roughly 8% of mortgage holders who decide this type of loan offers an opportunity. When you might consider an adjustable-rate mortgageHere are three categories of homebuyer for whom ARMs can be helpful:Buyers of temporary or “starter homes.”If you’re fairly confident you won’t be in your home for long, an ARM might be a strategic choice since you can take advantage of the low fixed-period interest rate and then sell the home before the adjustment period hits. Investors.Many real estate investors like ARMs for a similar reason. They may secure a low interest rate upfront, and as the adjustment period approaches in three, five, or seven years, can adjust the rent to reflect the new mortgage payment or flip the property and buy the next one. Buyers during periods of high interest rates.Finally, many buyers go out on a limb with an adjustable-rate mortgage during periods of high interest since it’s more likely to offer a lower rate upfront andon the back end, assuming things cool off by the time your fixed period expires. Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs typically start off with a low, fixed interest rate for a set period of time—such as three, five, seven or 10 years—and after the “fixed period” expires, the “adjustment period” begins. Here’s where things get interesting. During the adjustment period, the interest rate on your ARM can fluctuate based on several key factors, including: Benchmark rates.ARMs commonly get their base interest rate from a benchmark called the Secured Overnight Financing Rate (SOFR). The U.S. Treasury publishes a new SOFR each morning as a way to tell banks and lenders “hey, here’s the cost of borrowing cash today.” That, in turn, helps lenders set market-appropriate interest rates for various products from auto loans to mortgages. Margins.The margin is a fixed percentage that your lender adds to the index to come up with your ARM interest rate. So if you have an ARM tied to the SOFR and the SOFR is 5% while your margin is 2%, your ARM rate will be 7%. Margins typically range between 2% and 3.5% and can vary based on the lender, loan and your creditworthiness. Margins are also set in stone as part of the loan agreement, so it’s best to shop around to see which lenders can offer more competitive margins. Rate caps.Finally, rate caps put a limit on how much your rate can rise throughout the course of the loan. “Initial” adjustment caps control how much the rate can rise the first time, “subsequent” adjustment caps dictate how it can rise after the initial cap, and “lifetime” adjustment caps put a limit on how much your interest rate can increase in total. The most common ARM length may be the 5/1, meaning the loan has a fixed interest rate for five years, and once that expires, the interest rate will start changing every one year for 25 years (most ARMs have 30-year terms). Another common ARM length is the 10/6, meaning you’ll have a 10-year fixed period and a 20-year adjustment period during which the interest rate will change every six months. You may also see 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageSometimes, even if it was advantageous to buy your property using an ARM, you eventually realize a fixed-rate mortgage would be preferable looking ahead. For instance, maybe you’ve decided your first home is going to be a long-term home after all. You’re not alone if that’s the situation—research from 2024 found that a substantial number of Millennial and Gen Z homeowners can’t afford to upgrade and are making do with their starter homes.Regardless of the specific reason, know that it is possible to refi from an ARM to a fixed-rate mortgage. In fact, it’s probably a fairly common reason for ARM holders to refinance. Refinancing from an ARM to a fixed-rate mortgage isn’t rocket science, and works pretty much like refinancing from fixed-to-fixed. You’ll apply with multiple lenders to find the best rates, provide the necessary documentation, close on your new loan and pay your old loan in full.Pros and cons of adjustable-rate mortgagesLike any other mortgage type, ARMs come with a mix of pros and cons. While your lender can ultimately decide which mortgage type is right for you, knowing the basics can help you budget and navigate the early steps of the process: N/AProsPossibility for a lower interest rate upfront.Lenders typically offer lower interest rates for ARMs than fixed-rate mortgages during the initial (aka fixed) period. Lower borrower requirements.Because monthly payments start out lower, many lenders may ease requirements for ARM borrowers compared to fixed-rate borrowers (e.g. potentially accepting borrowers with 50% DTI). Monthly payments may decrease.If interest rates drop between now and when your fixed period ends, you may find yourself paying an even lower monthly payment. ConsBut, monthly payments may go up.Once your fixed rate expires, your interest rate can rise as high as the lifetime cap allows (often up to 5 percentage points higher than your starting rate). To illustrate, if the interest rate on a $400,000 principal rose from 7% to 12% overnight, the monthly payment would rise from something like $2,661 to around $4,114—a leap of $1,453, or 54.6% to put it another way.Difficult to rate shop.When discount points are removed from the equation, fixed-rate mortgage offers from Lenders No. 1 and No. 2 will be relatively easy to compare apples to apples. ARMs, however, have numerous moving parts and it can be difficult to find the right deal upfront. Less peace of mind.Even as the cost of taxes and insurance rises, fixed-rate borrowers have the peace of mind knowing that their fundamental mortgage payment will never change. ARM borrowers may enjoy lower rates upfront and possibly lower rates long term, but they won’t enjoy that long-term sense of stability.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Best money market accounts of December 2025
Key TakeawaysThe best money market accounts in December 2025 offer APYs significantly higher than the national average, with top rates currently reaching around 4.00%, compared to the national average of 0.58%.Money market accounts combine features of both savings and checking accounts, providing flexibility through check-writing privileges and debit card access, but earning a higher interest rate than checking accounts typically offer.Some of our top picks are accounts that can be opened with no minimum deposit or with a deposit as low as $100.You’ve probably heard that cash is king. We propose a different twist on that saying—an interest-bearing account where you can easily access your money and avoid early withdrawal penalties is king. If you agree, consider getting a money market account, which can be thought of as a unique combination of a checking and savings account. Currently, some of the best money market accounts offer annual percentage yields (APYs) as high as 4.00%.And luckily, it’s pretty easy to find these top-paying accounts. We’ve rounded up our favorites so you can find the best account for your unique needs.Our top picks for the best money market accounts of December 2025BankMax APYMinimum opening depositSee detailsFirst Foundation Bank4.00%$1,000View offerat MoneyLionQuontic Bank4.25%$100View offerat QuonticAll America Bank3.85%$500View offerat MoneyLionSallie Mae Bank3.85%$0View offerat BankrateAlly Bank3.30%$0View offerat MoneyLionFirst Foundation BankView offerat MoneyLionMax APY4.00%Minimum opening deposit$1,000Quontic BankView offerat QuonticMax APY4.25%Minimum opening deposit$100All America BankView offerat MoneyLionMax APY3.85%Minimum opening deposit$500Sallie Mae BankView offerat BankrateMax APY3.85%Minimum opening deposit$0Ally BankView offerat MoneyLionMax APY3.30%Minimum opening deposit$0Bank details reviewed on Dec. 2, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67Find the best money market account for youFirst Foundation BankFirst Foundation BankMax APYUp to 4.00%Minimum Opening Deposit$1,000View offerat MoneyLionCompany insightsYear Founded: 1990Company Headquarters: Dallas, TXCEO: Thomas C. SchaferFortune Rankings#89on Fortune’s 2020 100 Fastest-Growing Companies list.View offerat MoneyLionWhy we like this MMAWhen you opt for an online MMA with First Foundation, you can earn an APY of 4.00%. And whenever you’re ready to access the money in your account, you can do so with a debit card, available by request, or checks.What you should knowTo open an account, you’ll need to have a nest egg already built up: the minimum opening deposit is $1,000 . If you’re well established in your financial journey that may not be an obstacle. But, for new savers, other accounts on this list with no minimum deposit or with a low deposit in the vicinity of $100 may be a better option.Also, know that in general, withdrawals are capped at six per month.First Foundation Bank MMA details reviewed on Dec. 2, 2025.Learn moreRead our full review of First Foundation Bank.Quontic BankQuontic BankMax APYUp to 4.25%Minimum Opening Deposit$100View offerat QuonticCompany insightsYear Founded: 2009Company Headquarters: Astoria, NYCEO: Steve SchnallView offerat QuonticWhy we like this MMAQuontic’s money market account offers a stellar 4.25% APY, very low opening minimum deposit, and no maintenance fees. Plus, you get check-writing abilities and a debit card, so you can access your cash easily. If you ever need to contact customer service, you can reach out via phone call, audio chat on your computer, or text chat. What you should knowThere is a minimum opening deposit for this account, but it’s comparatively affordable: just $100 . Also, customers are limited to six transfers from the account per statement cycle. Quontic Bank MMA details reviewed on Dec. 2, 2025.Learn moreRead our full review of Quontic Bank.All America BankAll America BankMax APYUp to 3.85%Minimum Opening Deposit$500View offerat MoneyLionCompany insightsYear Founded: 1969Company Headquarters: Mustang, OKCEO: Todd HuckabayView offerat MoneyLionWhy we like this MMAAll America Bank’s Mega Money Market checking offers a generous 3.85% APY with no minimums or monthly fees. For easy access to your funds, you’ll receive a debit card.What you should knowThe account allows for six fee-free withdrawals or transfers per billing cycle. Debits beyond that number will incur a fee of $5 each.Also, if you’re looking for a place to store a six-figure amount of cash, know that the 3.85% APY is only on balances up to $100,000 . Finally, at $500 , the minimum opening deposit for this account is not the largest among accounts featured here, but it’s also not the most affordable.All America Bank MMA details reviewed on Dec. 2, 2025.Sallie Mae BankSallie Mae BankMax APYUp to 3.85%Minimum Opening Deposit$0View offerat BankrateCompany insightsYear Founded: 1972Company Headquarters: Newark, DECEO: Jonathan W. WitterView offerat BankrateWhy we like this MMAOne of the top features with this account is that there are no limits on withdrawals from your MMA, meaning it’s an excellent choice for consumers who need flexibility and access to their money. Sallie Mae Bank used to cap withdrawals at five, but did away with that restriction during the coronavirus pandemic. Plus, the Sallie Mae MMA earns a competitive APY of 3.85%. There’s no minimum balance, the account charges no monthly fees, and you can write checks from it. What you should knowNote that if your MMA is dormant with a balance of $100 or less and no activity over the past 12 months, Sallie Mae Bank may close the account.Sallie Mae Bank MMA details reviewed on Dec. 2, 2025.Learn more:Read our roundup of Sallie Mae’s CD rates.Ally BankAlly BankMax APYUp to 3.30%Minimum Opening Deposit$0View offerat BankrateCompany insightsYear Founded: 1919Company Headquarters: Detroit, MichiganCEO: Michael RhodesFortune Rankings#255on the 2025 100 Best Companies to Work For Ranking.#160on Fortune’s 2025 America’s Most Innovative Companies Ranking.#18on Fortune’s 2024 Best Large Workplaces in Financial Services and Insurance list.#40on Fortune’s 2024 Sector Leaders: Financials list.View offerat BankrateWhy we like this MMAAlly Bank’s money market account has a 3.30% APY and no minimum opening deposit or monthly fees. These features make this money market account a great option for those starting to build their savings. You’ll also have plenty of access to your funds when banking with Ally—you’ll get checks and a debit card with your account. What you should knowFor certain types of withdrawals—which include online and mobile banking transfers, telephone transfers, overdraft transfer service, checks and point-of-sale transactions—customers are limited to 10 withdrawals per month. While Ally won’t charge you a fee for going over that number, if it happens more than on rare occasions, the bank will close your account.Still, many MMAs cap withdrawals at six per statement period, so a cap of 10 may actually be a feature for customers who need more frequent access to their money. Ally Bank MMA details reviewed on Dec. 2, 2025.Learn moreRead our roundup of Ally Bank CD rates.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.What you should know about money market accountsA money market account is like a combination between a checking account and a savings account. These accounts typically offer higher APYs than checking accounts and, in many cases, identical features such as check-writing abilities, debit card access, and the ability to make withdrawals and deposits via ATM. But unlike checking accounts, there may be a limit on the number of withdrawals—oftentimes set at six—made from your money market account each month. And not all money market accounts provide all the features mentioned above.It’s also not unusual for money market accounts to be tiered, offering higher APYs on higher balances. There may also be a minimum opening deposit or a balance you must maintain to avoid paying maintenance fees. That is to say, certain money market accounts may only be worth it to you if you have the funds on hand to keep a substantial balance in there.Pros and cons of money market accountsMoney market accounts are useful financial tools, offering higher APYs than traditional checking or savings accounts. But it’s important to understand some of the pros and cons before opening one. N/AProsCan earn higher rates than the typical checking account.Money is more accessible than in some other deposit accounts.ConsMight require a substantial balance to earn the best APY.Withdrawal frequency might be more limited than a checking account.How to choose the best money market account for youWhen deciding between money market accounts, important features to consider include:Interest rate:A higher APY means your account will earn more interest annually. Account minimums:Many financial institutions require a minimum deposit or balance to open an account and earn a certain APY. While some institutions offer accounts with no minimum opening deposit amount or minimums as low as $10, others impose larger sums to get started. You may face fees and penalties if your balance falls below the required minimum balance.Fees:Fees can eat into your balance, whether big or small. Before opening an account, read the fine print to determine if your account charges any monthly maintenance, withdrawal, or low-balance fees. You’ll also want to look for balance thresholds that might get these fees waived.Withdrawal rules: If you expect to make frequent withdrawals from your MMA, you’ll want to know if there’s a monthly cap. You’ll also want to know your options for accessing your funds, like whether you get a debit card or check-writing privileges.Alternatives to money market accountsThink of a money market as a hybrid between a savings account and a checking account: You can earn a solid interest rate on your savings and have flexible access to your cash when needed. When deciding what type of deposit account is best for you—a savings account, CD, or checking account—you should consider your financial goals, how much liquidity you need, and whether you want a fixed or variable interest rate.MMAs vs. savings accountsThere are many similarities between money market accounts and savings accounts: Both offer higher APYs than checking accounts, are covered FDIC or NCUA insurance, and typically have monthly withdrawal limitsHowever, there are some differences between the two accounts. With a money market account, customers typically have easy access to cash via ATM, debit card, or checks. Yet with a savings account, customers are typically limited to accessing their cash via electronic transfer. MMAs vs. CDsWhile money market accounts offer variable APYs, CDs provide a fixed interest rate when you lock up your money for a set amount of time, usually a few months or years. CDs, unlike money market accounts, offer no liquidity—if you need to access your cash before the CD’s term is up, you’ll have to pay an early withdrawal penalty which is worth a few months of interest.Since CDs require you to tie your money up for a fixed period, these deposit accounts are best for a financial goal in the future such as saving up for a housing down payment. On the other hand, money market accounts can be a good place to store cash you need immediately like for an emergency fund.MMAs vs. checking accountsChecking accounts are typically used for everyday expenses like your credit card bill or rent payments. These accounts offer low variable interest rates as they’re not meant for long-term saving. You may be able to access your cash with an ATM or debit card, checks, and electronic transfer.If you’re seeking a higher APY, a money market account offers higher interest rates than checking accounts. Customers, however, may be limited in the number of withdrawals they can make from their money market account.Are money market accounts safe? Your money is safe in a money market account if your bank or credit union is insured by the Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA), respectively. These organizations insure your deposits of up to $250,000 per depositor, per account, per ownership category in the unlikely event of bank failure. You can check if your bank or credit union is covered by FDIC or NCUA insurance through their websites.Methodology The Fortune team analyzed more than 40 banks and credit unions across the country. All banks that made the cut are available no matter where you live in the U.S. Here are the key elements we considered:APY:APY is the interest you earn on the balance you carry in your account; the higher the APY, the higher it likely will be on our list.Minimum opening or required deposit:This is the minimum dollar amount you’ll need to invest to open an account. Banks that required little or no minimum deposit scored higher on our list.Minimum balance to receive the APY:This is the minimum dollar amount you’ll need to keep in your account to earn its APY. Banks that required little or no minimum balance scored higher on our list.Maintenance fees:Some banks charge fees to keep the account open, ranging from $0 to $20 monthly. These fees may be waived if customers maintain a certain minimum balance.Access to funds:Banks will offer various ways to withdraw funds from your account (e.g., checks, debit cards, and ATM cards). We looked at whether banks offered debit cards and check writing privileges, with those offeringbothorone optionhigher than those with fewer options. Customer service:Being able to reach your bank in multiple ways (e.g., email, phone, chat support) is critical. We ranked places with more options higher than those with fewer options, with the most weight toward being able to reach the bank by phone.Rates and fees are subject to change. All the accounts on this list are NCUA- or FDIC-insured.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67Frequently asked questions (FAQs)What determines the APY on the money market account?Your individual bank or credit union determines money market account APYs and may fluctuate in response to macroeconomic changes, changes to the federal funds rate, and more.Are money market accounts taxed?Any interest earned on your money market account balance is considered taxable income and is reported to the IRS on Form 1099-INT.Are money market accounts and money market funds the same?No. Money market accounts are deposit accounts offered by your bank or credit union that are liquid and federally insured. Money market funds are a type of mutual fund that invests in debt securities and may pay a small amount of interest on a monthly basis. These funds are not federally insured.Do money market accounts come with debit cards?Many money market accounts offer debit cards, but not all do. Check with your financial institution to confirm that your MMA has a debit card.Can you write checks from money market accounts?Many money market accounts offer check-writing privileges, although some financial institutions may charge an additional fee for ordering checks.Can you lose the money you invest in a money market account?Money market accounts are considered deposit accounts, so they’re generally thought of as pretty riskless as long as your bank or credit union has FDIC or NCUA insurance—which provides up to $250,000 of coverage.Do money market accounts have a fixed interest rate?Money market accounts offer variable interest rates tied to the federal funds rate, or the interest rate set by the Federal Reserve. This means that the APY you receive on your account varies based on Fed policy.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current price of gold as of December 3, 2025
At 10 a.m. Eastern Time on December 3, 2025, gold was valued at $4,224 per ounce. That’s the same price from the same time yesterday and $1,575 gain over the past year.Gold price per ounce% ChangePrice of gold yesterday$4,2240%Price of gold 1 month ago$3,887-7.98%Price of gold 1 year ago$2,649-37.29%Price of gold yesterdayGold price per ounce$4,224% Change0%Price of gold 1 month agoGold price per ounce$3,887% Change-7.98%Price of gold 1 year agoGold price per ounce$2,649% Change-37.29%If you want an investment that isn’t directly impacted by inflation variance, gold may fit the bill. Gold has a long-term record of appreciating in value. One of the more common ways of buying and holding gold is a gold IRA. It’s also a practical choice for those who want to avoid the cost and burden of storing physical gold.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical gold price chartGold doesn’t outperform traditional stocks in every financial situation. In strong economic climates, stocks can deliver higher returns over both short and long periods. From 1971 to 2024, stocks averaged 10.7% in annual returns, while gold averaged 7.9%.But in uncertain economic times, gold is seen as a safe, risk-averse asset. That’s why many people view it more as a store of value than a typical investment like stocks or bonds.What does “spot gold” mean?The spot gold price is the rate for immediate transactions when buying gold over-the-counter. This figure helps investors track real-time demand and trends. Simply put, a higher spot price reflects greater demand. Unlike futures, the spot price is for instant settlement.When the future price is above the spot price, it’s called contango, which is common for commodities with high storage costs. If the futures price is below the spot price, it’s known as backwardation.Many factors can affect the spot price, causing frequent changes. Active gold investors need to be prepared for this volatility.What is price spread in gold trading?A price spread is the difference between the buying and selling price of an asset.In gold trading, the ask price is what you pay to buy, and the bid price is what you receive when selling. The bid is always lower than the ask.A smaller spread means the market is more liquid. When spreads are tight, it suggests strong demand for gold.How to invest in goldIf you picture gold investing as diving into a pile of coins, you’re only half right. While you can buy physical bars, coins, or jewelry, gold is often traded as exchange-traded funds (ETFs).Popular gold investment options include:Gold bars:Also called bullion, sold by weight, with purity and manufacturer details stamped on the bar. Gold rounds are essentially the same, with the only notable difference being the shape of the bullion. Gold coins:Collectible coins like the American Gold Eagle, often priced higher than bars of the same weight due to rarity.Gold jewelry:Priced above gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a set price in the future, allowing speculation without handling the physical metal.Gold funds:Mutual funds or ETFs invested in gold assets, with values tied to the underlying portfolio.Is it a good time to invest in gold?Whether now is the best time to invest in gold is open to interpretation. Still, adding gold can help diversify your portfolio and reduce market volatility.Gold remains a steady asset in an unpredictable market. Prices have soared to all-time highs, up over 25% since the beginning of 2025, fueled by inflation and uncertainty. Many experts suggest this is a good time to diversify with gold.Current precious metals pricesas of 9:10 a.m. ET on December 3, 2025Precious MetalPrice per ounceGold$4,224Silver$58Platinum$1,638Palladium$1,448GoldPrice per ounce$4,224SilverPrice per ounce$58PlatinumPrice per ounce$1,638PalladiumPrice per ounce$1,448Silver, platinum, and palladium are also favored by investors. Gold is generally less volatile than silver, which can fluctuate widely in a single day. Silver’s industrial uses make it more responsive to economic changes.Platinum and palladium act similarly to silver. While they offer diversification, they tend to be more volatile than gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has been unsettled, with ongoing inflation having a significant impact. Gold can serve as an inflation hedge in your portfolio. Thanks to various purchase methods, it’s a relatively accessible asset for most investors. Whether you invest through a gold IRA or a more hands-on account, gold can help you reach both short- and long-term financial targets.Frequently asked questionsWhat is the best way to own gold?Many investors choose gold ETFs, which offer a managed portfolio of easily traded assets.Is gold a good investment?Gold is often a solid choice for those seeking diversification and protection from inflation. There are many accessible ways to invest.Should I buy gold coins or gold bars?Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historic value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current refi mortgage rates report for Nov. 25, 2025
The current average refinance rate on a 30-year, fixed-rate home loan is 6.28%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Ads by Money. We may be compensated if you click this ad.AdCurrent refi rates dataConventional mortgages30-year6.28%20-year6.54%15-year5.64%10-year5.42%Jumbo mortgages30-year7.09%15-year6.25%FHA loans30-year5.63%15-year5.25%VA loans30-year5.80%15-year5.53%Note thatFortunereviewed the most recent Zillow data available as of Nov. 24.How mortgage refinancing worksMortgage refinancing involves replacing your existing home loan with a new one. Similar to your initial mortgage application, you’ll need to apply and meet lender criteria, including your credit profile, income verification, debt-to-income (DTI) ratio, and more. This process typically results in a small hit to your credit score due to the hard inquiry, and there’s a risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some observers had hoped that mortgage interest rates would decrease following the Federal Reserve’s cuts to the federal funds rate late last year. However, mortgage rates remained stubbornly near the 7% mark for 30-year, fixed-rate loans nationwide. Although rates dipped slightly toward the end of February, moving closer to 6.5%, they remain significantly higher than the pandemic-era lows in the range of 2% and 3%. As of the third quarter of 2024, 82.8% of homeowners with mortgages had rates below 6%, according to a Redfin report. That means a significant chunk of homeowners have been locked in, unwilling or unable to move or refinance with rates as high as they are currently. Still, homeowners got some relief starting in late August and early September of 2025, when mortgage rates started trending downward ahead of the Sept. 16-17 Fed meeting. They dropped to a low not seen in almost a year, and the Fed delivered a much anticipated reduction of a quarter percentage point to the federal funds rate. The central bank followed up with a second cut of the same amount at its October meeting.When it might make sense to refinance your mortgageRefinancing isn’t free, so it’s crucial to weigh the costs before you apply for a refi. A guideline you’ll often hear is that refinancing makes sense if you can secure a rate that’s a full percentage point lower than your current rate. For example, if you have a 7% loan, refinancing when you’re able to land a 6% rate could be a smart move to save on interest charges over the life of your loan. You might also consider a cash-out refinance to tap into your home equity—which typically requires at least 20% equity in your home. Homeowners have significant flexibility to use the cash disbursement from such a refi however they please, as there aren’t generally restrictions on what you can do with the cash portion of a cash-out refi. For example, you’re free to invest those funds, use them to cover a down payment on a vacation home or rental property, or pay off credit card debt. Refinancing can also allow you to change your loan term. For instance, someone originally took out a 15-year mortgage but finds their budget stretched may benefit from switching to a 30-year term for a smaller monthly payment. And, refinancing can be a way to switch loan types, like moving from an FHA loan to a conventional one to get rid of your FHA loan’s lifetime mortgage insurance (MIP) requirement, or from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage.Costs to refinance your mortgageRefinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, you might pay between $6,000 and $18,000, for example. Some common costs include:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if applicable with your current loan).Different types of mortgage refi loansThere are a wide variety of mortgage refinance loans out there, and the right one for your needs will depend on your goals and what type of mortgage you currently have. Here are some common refi options:Rate-and-term refinance:This is probably the most popular type of refi. It lets you lower your interest rate and/or change your loan term. Note if you opt for a shorter term, while that does typically earn you a lower rate and substantial lifetime interest savings, you’ll be stuck with higher monthly mortgage payments.Cash-out refinance:A cash-out refi taps your home’s equity by replacing your existing loan balance with a new, larger one and withdrawing the difference in cash. You can use the money for a wide variety of purposes, including home improvements, consolidating high-interest debt, or other financial goals.No-closing-cost refinance:With this type of refi, the lender covers closing costs in exchange for levying a higher interest rate. If you don’t have the cash on hand to pay for closing costs and could otherwise benefit from a refinance, this option might be worth evaluating.Streamline refinance:These refis are for existing FHA, VA and USDA loan borrowers, and generally involve less documentation plus offer a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneYou’re not obligated to refinance with your original lender, and shopping around can help you find the lowest interest rate available to you and perhaps the best service as well. However, your existing lender might offer incentives, such as waiving closing costs, if you stay with them. So you should at least broach the topic with your current lender.Also, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Best savings account bonuses for December 2025
Key TakeawaysLeading savings account bonuses in December 2025 can reach up to $1,500 , with top offers from banks like Chase, PNC, and Alliant Credit Union, often requiring new customers to deposit and maintain significant balances for a set period.Most bonuses are available only to new customers and typically require you to open a new account, deposit a minimum qualifying amount (sometimes $10,000 or more), and maintain that balance for a timeline that might range from 60 to 90 days.While these bonuses can boost your savings, always review eligibility rules and consider other account features-such as APY, fees, and digital tools to ensure the account meets your long-term financial needs.Savings account bonuses can be a lucrative incentive to anyone in the market for a new deposit account. Who wouldn’t want to earn a couple hundred dollars just for making a switch to something that serves you better? The right savings account for your needs can be an important part of your strategy for long-term financial health. It’s a place to build and store an emergency fund, save for important goals or just provide a financial cushion. Choosing the right savings account for your needs will depend on a number of factors, including how you plan to use your account, any fees and the rate of interest you’ll earn. If you’re looking to switch banks or simply add a new savings account to your roster, a bank account bonus can be a lucrative incentive to choose a particular institution. Many savings account bonuses run between $200 to $350 but there are standouts offering even more.Editor’s Picks: Best savings account bonuses of December 2025Bank and account(s)Max bonusOffer expiration dateLearn moreCapital One 360 Performance Savings$1,500UnspecifiedView offerat BankratePNC Virtual Wallet with Performance Select$400December 8, 2025View offerat MoneyLionSoFi® Checking and Savings (Member FDIC)$50 or $300 (depending on direct deposit amount)1January 31, 2026View offerat SoFiTD Bank Simple Savings$200January 31, 2026View offerat MoneyLionAlliant Credit Union High Rate Savings$100December 31, 2025View offerat MoneyLionCapital One 360 Performance SavingsView offerat BankrateMax bonus$1,500Offer expiration dateUnspecifiedPNC Virtual Wallet with Performance SelectView offerat MoneyLionMax bonus$400Offer expiration dateDecember 8, 2025SoFi® Checking and Savings (Member FDIC)View offerat SoFiMax bonus$50 or $300 (depending on direct deposit amount)1Offer expiration dateJanuary 31, 2026TD Bank Simple SavingsView offerat MoneyLionMax bonus$200Offer expiration dateJanuary 31, 2026Alliant Credit Union High Rate SavingsView offerat MoneyLionMax bonus$100Offer expiration dateDecember 31, 2025Details accurate as of December 3, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67Find the best savings account bonus offer for youCapital One 360 Performance Savings: Up to $1,500 bonusCapital One 360 Performance SavingsMax bonus amount$1,500Offer expiration dateUnspecifiedView offerat BankrateCompany insightsYear Founded: 1994Company Headquarters: McLean, VACEO: Richard FairbankFortune Rankings#82on the 2025 Fortune 500 list#15on Fortune’s 2025 America’s Most Innovative Companies listHonorable mentionon Fortune’s 2025 World’s Most Admired Companies list#20on Fortune’s 2024 Financial Sector Leaders list.#36on Fortune’s 2025 100 Best Companies to Work For list.#23on Fortune’s 2024 Best Large Workplaces for Parents list.#4on Fortune’s 2024 Best Large Workplaces in Financial Services and Insurance.#304on Fortune’s 2024 Global 500.#36on Fortune’s 2024 100 Best Large Workplaces for Millenials.#70on Fortune’s 2023 100 Best Large Workplaces for Women.Why we like this bonusCapital One currently offers an incredibly generous reward for depositing considerable external funds to a new high-yield savings account. Make an eligible deposit within the first 15 days of account opening, and you’ll earn a welcome bonus between $300 and $1,500. You’ll earn 3.50% APY while you’re at it.What you should knowThe exact bonus you’ll earn depends on the amount of money you deposit:$20,000 deposit — $300 bonus$50,000 deposit — $750 bonus$100,000 deposit — $1,500 bonusTo qualify, you’ll open a Capital One 360 Performance Savings account and fund it with money not currently stored with Capital One. Maintain your account balance for 90 days after the initial 15-day hold period, and your bonus will deposit within 60 days later.Capital One savings accounts don’t charge maintenance fee, either—so you won’t have to worry about monthly fees eroding the value of your bonus.It’s worth noting that you won’t be eligible for this bonus if you are (or were) a primary or secondary account holder with Capital One since Jan. 1, 2022, for either a 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now, or Confidence Savings account. Offer details reviewed on December 3, 2025.Learn moreRead our full review of Capital One Bank and our roundup of Capital One CD rates.PNC Virtual Wallet with Performance Select: Up to $400 bonusPNC Bank: Virtual Wallet with Performance SelectMax bonus amount$400Offer expiration dateDecember 8, 2025View offerat MoneyLionCompany insightsYear Founded: 1865Company Headquarters: Pittsburgh, PACEO: Bill DemchakFortune Rankings#131on the 2025 Fortune 500 list#71on Fortune’s 2025 America’s Most Innovative Companies listHonorable mentionon Fortune’s 2025 World’s Most Admired Companies list#32on Fortune’s 2024 Financial Sector Leaders list.Why we like this bonusWhile it doesn’t quite match the $1,500 bonus from Capital One cited above, the chance to earn $400 from PNC is still pretty generous compared to other bonuses out there. You can open linked checking and savings accounts with PNC, and you’ll have 60 days to meet the direct deposit requirement. Those who aren’t sure they can meet the savings deposit requirement for the more lucrative Capital One bonus—but who can meet PNC’s requirement of $5,000 or more in direct deposits—may prefer to target this bonus instead.What you should knowBe aware this offer’s availability may vary depending on your location. To earn the $400 bonus, you’ll need to open the accounts with PNC and have $5,000 or more in qualifying direct deposits within 60 days. Your account must remain open to receive the bonus, which should be credited in 60 to 90 days. There’s a monthly service fee but it can be avoided by keeping a balance of at least $5,000 combined in your accounts, or by continuing to receive $5,000+ in direct deposits. Offer details reviewed on December 3, 2025.Learn more:Read our full review of PNC Bank.SoFi Checking & Savings: Up to $300 bonusSoFi Checking & SavingsMember FDICMax bonus amount$50 or $300 * (depending on direct deposit amount)Offer expiration dateJan. 31, 2026Advertiser DisclosureView offerat SoFiCompany insightsYear Founded: 2011Company Headquarters: San Francisco, CACEO: Anthony NotoBonus DisclaimerNew and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.Why we like this bonusIf you’re looking for a good place to park your savings long term, the APY on a SoFi high-yield savings account makes it an attractive option: up to 3.60%2 at the time of writing. Plus, the checking account’s APY is 0.50%, which is a pretty good deal considering traditional checking accounts generally yield no interest at all. In short, banking with SoFi can continue to reward you even after you’ve earned the $300 bonus as a new customer.Earn an even higher APY for a limited timeNew customers who open both a checking and saving account with SoFi, member FDIC—along with enrolling in SoFi Plus—by Jan. 31, 2026 have an opportunity to earn a 4.30% annual percentage yield (APY) on their savings. This represents a 0.70% APY boost on top the standard up to 3.60%% rate. The maximum time period for the boosted APY is six months. (Terms apply. Rates are variable and subject to change.)3SoFi Plus is available at no extra cost for customers with eligible direct deposit. Otherwise, the cost of membership is $10 per month as of this writing.Benefits for Plus members include a 10% boost on cash-back rewards earned with certain SoFi credit cards, a 1% match on recurring deposits to SoFi Invest (paid in rewards points) and unlimited one-on-one planning sessions from SoFi Wealth.What you should knowPerhaps the biggest hurdle to obtaining this bonus is the short amount of time to meet the qualifying activity: You must be able to direct deposit $5,000 in a pretty short time frame. The clock starts ticking once your first dollar is direct deposited and you must meet the $5,000 requirement within 25 days. Those who fall short of the requirement but direct deposit at least $1,000 earn a much smaller bonus—a mere $50.Offer details reviewed on December 3, 2025.TD Bank Simple Savings: Up to $200 bonusTD Bank Simple SavingsMax bonus amount$200Offer expiration dateJanuary 31, 2026View offerat MoneyLionCompany insightsYear Founded: 1955Company Headquarters: Cherry Hill, NJCEO: Leo SalomFortune Rankings#47on Fortune’s 2024 Best Large Workplaces in Fiancial Services and Insurance list#48on Fortune’s 2023 America’s Most Innovative Companies listWhy we like this bonusWith a $200 bonus in exchange for a $10,000 deposit into savings, the TD Bank Simple Savings isn’t the most generous or the easiest to earn. Still, it’s a decent bonus for those who have $10,000 they’re willing to move into a new account and keep there for a while. TD Bank’s Simple Savings account also offers some great automated savings tools that may help as you strive to increase your nest egg. What you should knowYou must deposit at least $10,000 within 20 days of account opening, and must keep at least $10,000 in the account for 90 days or longer past the initial 20-day period. If you meet requirements, the bonus should be paid out within 180 days of account opening.Offer details reviewed on December 3, 2025.Alliant Credit Union Ultimate Opportunity Savings: Up to $100 bonusAlliant Credit Union Ultimate Opportunity SavingsMax bonus amount$100Offer expiration dateDecember 31, 2025View offerat MoneyLionCompany insightsYear Founded: 1935Company Headquarters: Chicago, ILCEO: Dennis DevineFortune Rankings#16on the 2020 Best Small and Medium Workplaces in Financial Services and Insurance listWhy we like this bonusIf you’re just starting out on the journey of building your savings, and don’t have the large sums required by some other banks on this list, the welcome offer from Alliant Credit Union may be a good fit. In partnership with Suze Orman, Alliant is promoting what they call the Ultimate Opportunity Savings Account. Customers who deposit at least $100 per month for 12 consecutive months can earn a $100 bonus.The savings account also offers an APY of 3.10% as of this writing, which is pretty solid. And, if you’re used to credit unions having restrictive membership requirements, you can breathe easy. You may be able to qualify for membership through where you live or work, or based on your employment. But if not, there’s an option to join by having Alliant make a one-time $5 contribution on your behalf to the Alliant Credit Union Foundation.What you should knowYou must open your account through the Suze Orman promotion to be eligible for the bonus. Your first $100 should be deposited within 30 days of opening the account, the average daily balance should be a minimum of $100, and the account balance should be at least $1,200 by the end of the 12-month qualification period. Once requirements have been met, assuming your account is open and in good standing, the $100 bonus should post within four weeks. Offer details reviewed on December 3, 2025.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.When is a good time to look for a savings account bonus?Ideally, the best time to look for a savings account bonus is when you’re in the market for a new account. Whether you’re looking to shift funds from an existing account or augment your current savings strategy, if you’re going to open the account anyway, getting a one-time account bonus is the icing on the cake.Bank account bonuses, including those on savings accounts, can rise and fall at various times throughout the year. When you’re evaluating a new savings account, check to see if the bank lists an expiration date on their bonus offer so you’ll know if you have a deadline to make your decision. A quick Internet search to see how any current offers compare to any previous offers can help you decide if the time is right to sign up for a particular account or if you might have a better shot at a higher offer if you wait.Why do banks have sign-up bonuses?In 2024, 13% of bank customers indicated that they were likely to switch banks within the following 12 months, according to a J.D. Power U.S. Retail Banking Satisfaction Study. When you’re evaluating switching to a new account at a new institution, banks offer sign-up bonuses as a strategic marketing tool to attract your business.These incentives, which can range from $100 to $1,000 or more, are meant to encourage you to open a new account and maintain it for a specified period as a condition of receiving the bonus. With these offers, banks aim to establish long-term relationships with customers—once you open an account, the hope is that you’ll be more likely to use their other financial products and services, such as credit cards, loans, or investment options.How are bank account bonuses taxed?The IRS considers bank account bonuses taxable income, typically reported on Form 1099-INT or Form 1099-MISC. This means you’ll need to include the bonus amount when filing your taxes, which will be taxed at your regular income tax rate.This differs from most credit card sign-up bonuses in that these offers typically require a set amount of spending to earn, and are therefore considered rebates on your spending and not taxable.It’s important to note that, even if you don’t receive a 1099 form from the bank for a new savings account bonus, you’re still obligated to report the bonus on your tax return. To avoid surprises come tax season, it’s wise to set aside a portion of your bonus to cover potential tax liabilities. Consider consulting with a tax professional to understand how a bank bonus might impact your overall tax situation.What to look for when getting a new savings accountWhile the allure of a sign-up bonus can be tempting, look beyond the initial offer and consider the long-term implications of opening a new savings account. You don’t want to go through the process of opening a new account to get the bonus, only to be stuck with an account that has high monthly fees that will eat into your savings or has a requirement to keep the account to get the bonus for an amount of time that may not suit your long-term needs. Make sure the account also offers features that will be meaningful to you like an ability to write checks or make withdrawals at a pace that fits your needs.Here are some key factors to be aware of before committing to any new accountMonthly maintenance fees:Many banks charge monthly fees on savings accounts that can cut into your principal. Look for accounts that don’t have a monthly fee, or at least waive these fees if you maintain a minimum balance or set up direct deposits (and ensure you can stick to the requirements).Low APYs:Don’t let a high sign-up bonus distract you from an account with no or a low annual percentage yield (APY). A higher APY can be more valuable in the long run than a one-time bonus.Minimum balance requirements:Some accounts require you to maintain a hefty minimum balance to open an account, avoid fees or earn the advertised interest rate. Make sure you can comfortably meet these requirements.Account closure fees:Some banks charge a fee if you close your account within a certain time frame after opening it. Be aware of these potential penalties—especially if you swap banks frequently to get bonuses.Limited withdrawals:Some savings accounts have restrictions on the number of withdrawals you can make per month. Understand these limitations before opening an account.Bonus requirements:Read the fine print on bonus offers carefully. To qualify for the bonus, you may need to complete specific actions, such as setting up direct deposits or maintaining a minimum balance for a certain period.Do actions by the Fed impact your savings account?In short, yes. The Federal Reserve does not directly set the annual percentage yield (APY) on your savings account. That’s set by your bank or credit union. However, financial institutions often adjust the rates they offer when the Fed hikes or cuts the federal funds rate.The Fed decreased the federal funds rate three times in the fourth quarter of 2024. Then throughout much of 2025 the central bank kept its benchmark rate steady at 4.25%-4.50%. The last two meetings have changed course, each cutting rates by 0.25%. At the latest Federal Open Market Committee (FOMC), the Fed reduced its benchmark rate to 3.75%-4.00%. It’s likely that at least some financial institutions will decrease their savings account APYs to reflect that decision.There are also FOMC meetings on the calendar for December, which could potentially result in further cuts to the federal funds rate.Note that financial institutions may also change the rates they offer for reasons not connected to Fed actions.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67Frequently asked questions (FAQs)How can I get a bank account bonus?Some banks will offer eligible new account holders a cash bonus for opening a new account with their institution. There are strings attached however. For example, you may have to deposit a minimum account within a specified period of time to earn the bonus and/or keep the account open with those funds for a minimum period of time. Most of the time the qualifying opening deposit has to be via ACH or direct deposit to be eligible for the bonus. Make sure you fully understand the terms and conditions of any bank account bonus you’re considering.Are bank account bonuses taxable?Yes, bank account bonuses are considered interest income, which is taxable. Even if you do not receive a 1099 form for any bonus you’ve received, it’s still your responsibility to report this interest on your taxes.Are bank account bonuses worth it?That depends on your circumstances. If you’re already in the market for a new bank account and an account that fits your needs offers one, there’s little reason not to go for it, just make sure you’re clear on the terms required to earn the bonus.Should I have more than one savings account?Whether or not you own one or more savings accounts is a personal decision. Some people may prefer to have different savings accounts for different savings goals, such as earmarking one for emergency savings and another for savings goals etc. But some may find it too cumbersome to track more than one savings account, especially if they are split between different institutions. There’s no one best choice for everyone, just the best choice for you.Can I open multiple accounts and get the bonus at all of them?You typically can’t open multiple accounts at the same institution and earn a bonus on all of them, but if you can meet the requirements across multiple banks, you may be able to earn bonuses with different banks.SoFi disclaimer1:New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.2:Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet3: 0.70% Savings APY BoostEarn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Enroll in SoFi Plus between 9/18/25 and 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/sofi-plus SoFi Bank, N.A. Member FDIC.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current price of silver as of Tuesday, November 25, 2025
At 8:15 a.m. Eastern Time on Nov. 25, 2025, silver stood at $51.41 per ounce. That marks a $1.15 increase from this time yesterday and more than a $21 rise compared with one year ago.Silver price per ounce% ChangePrice of silver yesterday$50.26+2.28%Price of silver 1 month ago$48.66+5.65%Price of silver 1 year ago$30.30+69.66%Price of silver yesterdaySilver price per ounce$50.26% Change+2.28%Price of silver 1 month agoSilver price per ounce$48.66% Change+5.65%Price of silver 1 year agoSilver price per ounce$30.30% Change+69.66%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Historical silver performance Silver isn’t a shortcut to quick wealth. Over extended periods, it lags traditional equities significantly. Since 1921, silver’s value has underperformed the S&P 500 by roughly 96%. In practical terms, an equal investment split between silver and stocks back then would mean the silver portion would be worth something in the realm of 96% less than your stock. However, silver is viewed as a relatively stable asset suited to preserve purchasing power. Often called a “store of value,” it generally holds up in inflationary environments. It can act as a buoy for your funds when inflation rises. Compared with gold, silver exhibits more volatility. Gold’s primary role is as a value haven—whereas silver also serves many industrial uses. Because of this industrial demand, swings can have a more pronounced impact on silver’s pricing.What does “spot silver” mean? Simply put, the “spot silver” price reflects the rate at which silver can be bought or sold instantly. But in practice, you’ll usually pay above spot to cover markups, shipping, insurance, and other expenses. Investors track the spot price as a benchmark for real-time demand and market trends. A higher spot rate shows elevated demand.What is “price spread” in silver trading? The “price spread” refers to the gap between silver’s purchase and sale prices. Key terms include: Ask price.This refers to what you pay to acquire silver Bid price.This refers to what you receive when you sell silver As expected, the bid price sits below the ask price. A narrow spread indicates high demand for silver. How to invest in silver You have options if you’re looking to put your money in silver. Broadly, these can be categorized as physical ownership or silver exchange-traded funds (ETFs). ETFs are more common and let you purchase shares in a fund that holds silver, removing the need to handle storage or insurance personally. Common silver investments include: Silver bullion.This includes bars or rounds sold by weight and purity. Silver coins.Think minted currency like American Silver Eagles or Silver Maple Leafs, often priced with a premium for rarity and government guarantee. Silver jewelry. Specifically, crafted pieces that are worth more than equivalent-purity bullion. Silver mining stocks.This type of investment refers to shares in companies that extract silver, giving you indirect exposure. On exchanges, silver bullion and coins must meet the “three nines fine” standard (99.9% purity). Anything less is generally treated as collectible or industrial grade. Read our post on the best silver IRA companies for more details on the best way to invest in precious metals.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }Is it a good time to invest in silver? In 2025, silver’s price has climbed nearly 25% year-to-date, reaching levels unseen in the past decade. Whether it’s the right time to buy depends on your outlook. If inflation concerns weigh on you, precious metals can act as hedge. Likewise, anticipated surges in industrial demand—from renewable energy to electronics—could potentially fuel further gains. Current precious metals prices as of 8:15 a.m. ET on Nov. 25, 2025 Precious metal Price per ounceGold$4,145.70Silver$51.41Platinum$1,557.70Palladium$1,395.65GoldPrice per ounce$4,145.70SilverPrice per ounce$51.41PlatinumPrice per ounce$1,557.70PalladiumPrice per ounce$1,395.65Gold, platinum, and palladium are still very popular with investors. Platinum and palladium often mirror silver’s volatility; their smaller markets magnify price swings. Gold, by contrast, tends to be the least volatile of the four.Pro tipPrefer gold? Check out our list of the best gold IRA companies.The takeaway With ongoing economic uncertainty, precious metals are worth considering. Silver’s 2025 performance has outpaced gold’s, and many analysts predict the likelihood of further upside—potentially driving silver to record highs. Given its affordability relative to gold, silver is an accessible entry point into the world of precious metal investing. Whether you choose physical coins and bars, ETFs, or mining stocks, you can set yourself up to benefit from the next silver rally.Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Advisors generally recommend allocating not more than 10% to 15% to silver, keeping total precious-metals exposure at or below 20%.Can silver be held in an IRA?Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA. That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.What’s driving silver prices in 2025? A mix of constrained supply and rising industrial demand, plus investor demand, has pushed silver prices higher this year. Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current mortgage rates report for Nov. 26, 2025: Rates dip a little
The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.189%, according to data available from mortgage data company Optimal Blue. That’s down about 3 basis points from the prior day’s report, and down about 6 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.189%One week ago6.249%One month ago6.167%30-year jumboCurrent rate6.454%One week ago6.628%One month ago6.310%30-year FHACurrent rate6.029%One week ago6.089%One month ago6.033%30-year VACurrent rate5.841%One week ago5.960%One month ago5.748%30-year USDACurrent rate5.959%One week ago6.088%One month ago6.044%15-year conventionalCurrent rate5.424%One week ago5.529%One month ago5.415%Note thatFortunereviewed Optimal Blue’s latest available data on Nov. 25, with the numbers reflecting home loans locked in as of Nov. 24. What’s happening with mortgage rates in the market?If it seems that 30-year mortgage rates have been lingering near 7% for what feels like forever, that’s barely an exaggeration. Many thought that rates would decrease when the Federal Reserve initiated cuts to the federal funds rate last year, but that didn’t happen. There was a momentary decline before the September 2024 Fed meeting, but rates quickly jumped back up afterward.Indeed, by January 2025 the average rate on a 30-year, fixed-rate mortgage surpassed 7% for the first time since last May, as reported by Freddie Mac data. That’s jarringly high compared to the historic average low of 2.65% recorded in January 2021, when the government was still working to stimulate the economy and avert a pandemic-induced economic slump.Short of another widespread disaster, experts agree we won’t encounter mortgage rates in the 2% to 3% range during our lifetimes. And, with President Donald Trump pursuing policies like tariffs and deportations, some observers have worried the labor market could contract and inflation could resurge.Against this backdrop, U.S. homebuyers have long grappled with high mortgage rates—though some can could find ways to make their purchase more economical such as negotiating rate buydowns with a builder when acquiring newly constructed property. Homebuyers finally got more substantial relief starting in late August 2025. Rates trended noticeably downward ahead of the Fed’s September meeting and inched downward leading into the October meeting.As expected, the Fed delivered a rate cut of a quarter percentage point to the federal funds rate in September, and followed up with a quarter percentage point cut in October as well. There’s one more Fed meeting on the calendar for December, so an additional cut is possible (though far from certain) at that point.How to get the best mortgage rate you canWhile economic conditions are beyond your control, your financial profile as an applicant also has a substantial impact on the mortgage rate you’re offered. With that in mind, aim to do the following:Ensure your credit is in excellent condition.The minimum credit score for a conventional mortgage is generally 620 (for FHA loans, you may qualify with a score of 580 or a score as low as 500 with a 10% down payment). However, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score considerably higher. For instance, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier.Maintain a low debt-to-income (DTI) ratio.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. When applying for a mortgage, it’s typically best to have a DTI of 36% or below, though you may be approved with a DTI as high as 43%.Get prequalified with multiple lenders.Consider trying a mix of large banks, local credit unions, and online lenders and comparing offers. Additionally, connecting with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will best meet your needs. Just ensure that when you’re comparing rates, you’re doing so on common ground—if one estimate involves purchasing mortgage discount points and another doesn’t, it’s important to recognize there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartAn important element of context for the discussion about high mortgage rates is that rates around 7% feel high because rates between 2% and 3% are fresh in consumers’ minds. Those rates were possible due to government action aimed at preventing recession as the country grappled with the unprecedented coronavirus pandemic.However, under more normal economic conditions, experts agree we’re unlikely to see such exceptionally low interest rates again. Historically, rates in the vicinity of 7% are not unusually high.Consider this St. Louis Fed (FRED) chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. From the 1970s through the 1990s, such rates were more or less the norm, with a significant spike in the early 1980s. In fact, September, October, and November of 1981 all saw mortgage interest rates exceeding 18%.That said, this historical perspective offers little consolation to homeowners who may want to move but are locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners from moving when they otherwise would have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe state of the U.S. economy is probably the main thing that affects mortgage rates. If lenders think inflation is on the horizon, they’ll likely raise rates to protect their ability to turn a profit. Another key issue in the grand scheme of things is the national debt. When the government has to borrow to cover its spending, that exerts upward pressure on interest rates.The demand for home loans is important too. If mortgage applications are scarce, lenders might lower rates to drum up business. But if loans are in high demand, they may raise interest rates to cover their costs.And, the Federal Reserve’s decisions play a role too. The Fed can impact mortgage rates by changing the federal funds rate and by how it manages its balance sheet. The federal funds rate probably gets the most attention between these two. When it changes, mortgage rates often follow. But remember, the Fed doesn’t set mortgage rates directly, and they don’t always move exactly with the fed funds rate.The Fed also influences interest rates on long-term financial products through its balance sheet. In tough economic times, it can buy assets like mortgage-backed securities (MBS) to boost the economy. But recently, the Fed has been letting its balance sheet shrink, not replacing assets as they mature. This tends to push rates up. So while everyone focuses on Fed rate decisions, what it does with its balance sheet might be even more important for your mortgage rate.Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with various lenders are both crucial steps in obtaining the best mortgage for your situation.If your credit is excellent, opting for a conventional mortgage might be a great choice for you. However, if your score is below 600, an FHA loan may provide an opportunity that a conventional loan would not.When it comes to exploring your options with different banks, credit unions, and online lenders, it can make a significant difference in what you pay each year. Freddie Mac research indicates that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current price of gold as of November 21, 2025
The price of gold stood at $4,073 per ounce as of 9:10 a.m. Eastern Time on Nov. 21, 2025. This marks a $9 decrease compared to the same time yesterday and a $1,366 jump from a year prior.Gold price per ounce% ChangePrice of gold yesterday$4,082+0.22%Price of gold 1 month ago$4,208+3.31%Price of gold 1 year ago$2,716-33.32%Price of gold yesterdayGold price per ounce$4,082% Change+0.22%Price of gold 1 month agoGold price per ounce$4,208% Change+3.31%Price of gold 1 year agoGold price per ounce$2,716% Change-33.32%For those seeking an investment that isn’t directly linked to inflation fluctuations, gold could be a suitable option. Historically, gold tends to appreciate over time. A gold IRA is one of the most popular ways to buy and hold gold, providing portfolio stability during turbulent markets. It’s also a practical solution for investors who prefer not to deal with the logistics of storing physical gold bullion.Historical gold price chartGold isn’t always a guaranteed winner. In robust economic periods, equities can outperform both in the short and long run. From 1971 through 2024, the stock market’s average annual return was 10.7%, while gold’s was 7.9% over the same span.Still, during periods of economic instability, gold is considered a safer, risk-averse asset. Many investors view it more as a store of value than as an investment like stocks or bonds.What does “spot gold” mean?The spot gold price refers to the immediate purchase or sale price of gold in an over-the-counter transaction. This metric helps investors gauge current demand and market trends. Put simply, a higher spot gold price signals stronger demand. Unlike futures contracts, the spot price is for instant delivery.If the future price exceeds the spot price, this is known as contango, common in commodities with significant storage costs. If the futures price is below the spot price, the market is in backwardation.Numerous factors can influence the spot price, causing it to fluctuate frequently. Prospective gold investors should be comfortable with this level of price volatility.What is price spread in gold trading?A price spread is the gap between the price at which an asset can be purchased and the price at which it can be sold.In gold trading, these are called the ask price (the cost to buy) and the bid price (the amount you’d receive selling). The bid price is always less than the ask price.A narrower spread indicates a more liquid market. When the spread is tight, it suggests rising demand for gold.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of silver for December 8, 2025.How to invest in goldIf your mind jumps to Scrooge McDuck diving into gold coins when you think of gold investment, that’s only partly accurate. While buying physical gold bars, coins, or jewelry is possible, gold is frequently traded via exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, notes, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Common gold investment options include:Gold bars:Known as bullion, these are sold by weight (gram or ounce), with purity, weight, and manufacturer details stamped on the bar. Gold rounds are another form you may find bullion in.Gold coins:Collectibles like the American Gold Eagle often carry a premium over bars of equivalent weight due to their rarity and collectible status.Gold jewelry:Jewelry’s price usually exceeds its gold content value due to design and craftsmanship.Gold futures contracts:These allow investors to agree on a set price for gold at a future date, enabling speculation without physical delivery.Gold funds:Mutual funds or ETFs holding gold assets. Like other ETFs, their value fluctuates with the underlying holdings.Is it a good time to invest in gold?Determining whether now is the optimal time to invest in gold is somewhat subjective. However, gold can help diversify portfolios and cushion against market swings.Currently, gold remains a stable asset amid high market volatility. Prices have reached record levels, climbing over 25% since early 2025, driven by persistent inflation and economic uncertainty. Many experts recommend adding gold to diversify holdings.Current precious metals pricesas of 9:10 a.m. ET on Nov. 21, 2025Precious MetalPrice per ounceGold$4,073Silver$50Platinum$1,517Palladium$1,395GoldPrice per ounce$4,073SilverPrice per ounce$50PlatinumPrice per ounce$1,517PalladiumPrice per ounce$1,395Silver, platinum, and palladium are also popular portfolio additions. Gold is generally less volatile than silver, which can swing widely even within a single day. Silver’s industrial uses make it more sensitive to economic shifts.Platinum and palladium behave similarly to silver. While these rare metals can add diversification, they tend to fluctuate more than gold.The takeawayThe U.S. economy has experienced significant changes in recent years, with prolonged inflation taking a toll. Gold can act as an inflation hedge within a portfolio. Thanks to various acquisition methods, it’s a relatively accessible asset for investors, regardless of experience. Whether you choose a gold IRA or a more active investment account, gold can help achieve both short- and long-term financial goals.Frequently asked questionsWhat is the best way to own gold?Many investors prefer gold ETFs, which offer a managed selection of easily traded assets.Is gold a good investment?Gold is often chosen by those seeking portfolio diversification and inflation protection. There are many accessible ways to invest in gold.Should I buy gold coins or gold bars?Gold coins are considered collectibles and may have a higher value per ounce than bars. Their collectible and historical appeal can make them attractive to some investors. Additionally, U.S. minted coins can help safeguard buyers against counterfeit bars.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current price of silver as of Wednesday, December 3, 2025
As of 8:15 a.m. Eastern Time, silver traded at $58.79 per ounce. That’s up $1.19 from yesterday at this hour and represents a gain of more than $27 over the past 12 months.Silver price per ounce% ChangePrice of silver yesterday$57.60+2.06%Price of silver 1 month ago$48.70+20.71%Price of silver 1 year ago$31.03+89.46%Price of silver yesterdaySilver price per ounce$57.60% Change+2.06%Price of silver 1 month agoSilver price per ounce$48.70% Change+20.71%Price of silver 1 year agoSilver price per ounce$31.03% Change+89.46%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical silver performance Silver is not typically a high-growth play. Historically, it trails other investment options, like stocks. From 1921 onward, silver has underperformed the S&P 500 by about 96%. That means an equal sum invested in silver and stocks back then would now be worth 96% less in silver holdings than stocks. Instead, silver is prized for its stability and its power to hedge against inflation. Often dubbed a “store of value,” it tends to sustain purchasing power when inflation climbs. Compared with gold, silver prices generally swing more sharply due to industrial demand—solar equipment, healthcare devices, and more—whereas gold is almost purely a safe-haven asset.What does “spot silver” mean? “Spot silver” refers to the live market rate at which silver can be bought or sold instantly. That said, real-world buyers usually pay a premium over spot for markups, shipping, insurance, and other fees. The spot price serves as a gauge of immediate market demand: a higher spot price means stronger buying interest. What is “price spread” in silver trading? The term “price spread” describes the difference between the buying (ask) and selling (bid) prices for silver. Here’s how those terms are defined. Ask price:the cost to purchase silver. Bid price:the amount you receive when you sell silver. A narrower spread indicates high demand. How to invest in silver Silver exposure can be achieved through physical ownership or via silver-backed exchange-traded funds (ETFs). ETFs let you own a stake in a fund that holds silver, sparing you storage and insurance responsibilities. Key silver investment options include: Bullion bars and rounds.These are sold by weight and purity Government-minted silver coins.Iconic examples include American Silver Eagles and Canada’s Silver Maple Leafs, which often trade at premiums for their rarity and backing. Silver jewelry.Custom pieces that fetch prices above equal-purity bullion. Silver mining equities.Stocks in companies extracting silver, offering a sort of indirect investment in silver. On exchanges, bullion and coins must meet a minimum 99.9% purity. Lower-purity silver generally falls into collectible or industrial categories. Our guide to the best silver IRA companies provide more information on how to shrewdly invest in silver (and other precious metals).#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }Is it a good time to invest in silver? Silver has surged nearly 25% in 2025, hitting its highest levels in over a decade. Deciding whether to invest now depends on your unique attitude toward the market. If inflation is top of mind, adding precious metals can be prudent. Or, if you foresee rising industrial applications—such as electronics—demand could potentially push prices even higher. Current precious metals prices as of 8:15 a.m. ET on December 3, 2025Precious metal Price per ounceGold$4,220.10Silver$58.79Platinum$1,638.70Palladium$1,461.89GoldPrice per ounce$4,220.10SilverPrice per ounce$58.79PlatinumPrice per ounce$1,638.70PalladiumPrice per ounce$1,461.89Gold remains the benchmark metal, while platinum and palladium exhibit volatility patterns similar to silver due to smaller market caps. Gold’s larger market makes it comparatively stable.Pro tipLooking for gold over silver? Explore our picks for the best gold IRA companies. The takeaway With economic volatility persistent in the current market, precious metals deserve at least a quick look. Silver’s 2025 performance has outshined gold’s, and many experts forecast the likelihood of seeing further upside, potentially pushing silver to record levels. Silver’s lower entry cost compared with gold also makes it an accessible hedge. Whether through physical bullion, ETFs, or mining stocks, you can position yourself to benefit from anticipated silver demand.Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Many advisors suggest allocating no more than between 10% and 15% to silver, keeping total precious metal holdings under 20%.Can silver be held in an IRA?Yes—IRA-eligible silver coins and bars (99.9% pure) stored with an IRS-approved custodian qualify. Coins with lower silver content, such as pre-1965 U.S. coins that often have around 90% purity and are known as constitutional silver, aren’t permitted. But of course, silver coins and jewelry that doesn’t hit the 99.9% purity level can still be collected or worn outside of retirement accounts.What’s driving silver prices in 2025? Silver’s ascent this year reflects tight supplies and robust demand from both industrial users and investors.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current price of gold as of November 24, 2025
The price of gold was trading at $4,082 per ounce as of 9:55 a.m. Eastern Time as of November 24, 2025. That’s an $11 increase compared to the day before and about a $1,456 increase from a year ago. Gold price per ounce% ChangePrice of gold yesterday$4,071-0.27%Price of gold 1 month ago$4,107+0.61%Price of gold 1 year ago$2,626-35.67%Price of gold yesterdayGold price per ounce$4,071% Change-0.27%Price of gold 1 month agoGold price per ounce$4,107% Change+0.61%Price of gold 1 year agoGold price per ounce$2,626% Change-35.67%If you’re looking for an investment that is not tied directly to the variance of inflation, gold may be the right choice. In general, gold as an asset is typically expected to increase in value over time. One of the most common ways to purchase and manage gold is through a gold IRA, which can serve as a steadying force in a portfolio amid volatile markets. This may also be a good choice for those who want to invest in gold without the challenge of having to make storage arrangements for physical gold bullion.Historical gold price chartGold is not always a home run investment. In a strong economy, stocks can perform better in the short and long term. From 1971 to 2024, the stock market delivered average annual returns of 10.7%. Gold delivered an average annual return of 7.9% over the same period.However, during times of economic uncertainty, gold is a solid option as a risk-averse investment. For this reason, some may prefer to think of it as a store of value as opposed to an investment in the way that stocks and bonds are.What does “spot gold” mean?The spot gold price is the price to buy or sell gold immediately in an over-the-counter trade. This is an effective way for investors to monitor the demands and trends of gold investment at that time. Simply stated, a higher spot gold price means there is higher demand for gold in the marketplace. Notably, unlike futures contracts, the spot price is for an immediate sale. When the future price is higher than the spot price, it is called contango. This is common when investing in commodities that have a high storage cost. When the futures price is lower than the spot price, it is called backwardation.There are plenty of different factors that can impact the spot price, which is why that figure is constantly shifting up and down. Those looking to invest in gold need to be able to deal with this level of price fluctuation.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of silver for December 8, 2025.What is price spread in gold trading?A price spread is the difference between an asset’s offered purchase price vs. the price offered to sell it. Similarly, in gold investing, the two key terms are ask price and bid price. The ask price is how much it costs to buy the gold, while the bid price is how much it can be sold for. Bid prices are always lower than ask prices.The lower the spread between these two prices, the more liquid the market is. If there is a relatively small spread, that means the demand for gold is on the rise.How to invest in goldIf investing in gold immediately leads to an image of Scrooge McDuck olympic diving into a pile of coins, that’s only half right. While there are opportunities to buy physical gold bars, coins or jewelry, gold is often traded as exchange-traded funds (ETF).James Taska, a fee-based financial advisor, said, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.” Some of the most common ways to invest in gold include:Gold bars:Often referred to as bullion, this is a popular gold investing method. Offered on a per gram or ounce basis, other qualities including purity, weight, and manufacturer are typically stamped on the face of the bar. Similarly, you may encounter gold rounds.Gold coins:These are collectible coins, such as the American Gold Eagle coin. These often are sold at a higher price than bars of the same weight because they are viewed as collectibles with limited availability in the marketplace.Gold jewelry:Jewelry typically comes with aesthetic, external and subjective value, so the price may be significantly higher than the standard weight value. Gold futures contracts:A futures contract states that the investor will buy a specified amount of gold for a defined price at a future date. Futures allow investors to speculate on the price of gold in the future without needing to handle the actual physical product. Gold funds:These are mutual funds or ETFs that own gold assets. Like other ETFs in a stock portfolio, you can purchase shares in gold funds or any other mutual fund investment, and their value fluctuates based on the changes in the underlying portfolio of assets.Is it a good time to invest in gold?Ultimately, there is a relative subjectivity in determining if now is a better time to invest in gold compared to other periods. However, using gold as a way to diversify your existing portfolio can mitigate the impact of market volatility.In the current economy, gold continues to offer stability in a highly volatile period for the stock market. Prices have risen to all-time highs, with the price rising over 25% since the start of 2025, fueled by ongoing inflation and economic uncertainty. Many experts agree this is a good time to diversify your portfolio with gold.Current precious metals prices as of 9:55 a.m. ET on November 24, 2025Precious MetalPrice per ounceGold$4,082Silver$50Platinum$1,534Palladium$1,391GoldPrice per ounce$4,082SilverPrice per ounce$50PlatinumPrice per ounce$1,534PalladiumPrice per ounce$1,391Silver, platinum, and palladium are popular precious metals that investors can hold in portfolios in addition to gold. Gold is typically less volatile than silver, which can have a large price range even within a 24-hour period. Additionally, because silver is a more common resource used across different industries, it is more sensitive to external economic changes.Platinum and palladium are in the same boat as silver. Investors can use these rare metals as a way to diversify a portfolio, but be wary that there is typically much more fluctuation than with gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has been in flux for several years now, and the current period of extended inflation has had a major impact. Gold can serve as an inflationary hedge in an investor’s portfolio. Additionally, because of the variance of acquisition methods, gold can be a relatively easy asset to accumulate based on an investor’s comfort level and interest. Whether you purchase gold as an IRA or as a more active investment account, investing in gold may help achieve both short- and long-term investment objectives.Frequently asked questionsWhat is the best way to own gold?Many investors are buying gold via ETFs, which allows for a managed portfolio of easily traded assets.Is gold a good investment?Gold is often a good investment for investors looking to diversify their portfolio and get a hedge against inflation. There are many ways to buy gold, making it easy to access the investment.Should I buy gold coins or gold bars?Gold coins are considered collectibles and may have a higher value for the weight of gold compared to a bar. Collectible and historical significance can make coins a more attractive asset to some investors. Additionally, U.S. minted coins might help protect investors from the risk of getting fake bars.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current refi mortgage rates report for Nov. 14, 2025
The current average refinance rate on a 30-year, fixed-rate home loan is 6.36%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.36%20-year6.28%15-year5.57%10-year5.84%Jumbo mortgages30-year7.47%15-year7.22%FHA loans30-year6.00%15-year5.25%VA loans30-year5.78%15-year5.47%Note thatFortunereviewed the most recent Zillow data available as of Nov. 13.How mortgage refinancing worksBoiled down to the basics, a mortgage refinance replaces your existing home loan with a new one. As when you applied for a mortgage to purchase your home, you’ll need to apply and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more. This process typically results in a small hit to your credit score due to a hard inquiry. And, be aware there’s a risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some market watchers had hoped that mortgage interest rates would fall as the Federal Reserve made several cuts to the federal funds rate late last year. However, that didn’t happen, and mortgage rates remained stubbornly near the 7% mark—considering the nationwide average for 30-year, fixed-rate loans—for months. Rates have long remained well above the pandemic-era lows, when some homeowners were able to get rates in the 2% or 3% ranges. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners with a mortgage had a rate below 6%. Many have been essentially locked in with their existing home loans, unable or unwilling to move or refinance in the current environment.But homeowners finally got a little relief starting in late August and early September of 2025. Mortgage rates dropped in a noticeable way ahead of the Sept. 16-17 Fed meeting, where the central bank delivered a widely anticipated rate cut of a quarter percentage point. Then, the Fed followed up with a second cut of a quarter percentage point at the end of October.When it might make sense to refinance your mortgageAs we’ll cover more in the section below this one, it’s not free to refi your home loan. So, when does it make sense to accept the upfront costs and refinance? One rule of thumb many experts use is that if you can get a new rate a full percentage point lower than the one you have right now, it’s probably worth refinancing. Using recent market conditions as an example, someone who took out a home loan at 7% should strongly consider a refi if market conditions are in a place where that homeowner could now get a 6% rate.It may also be strategic to refinance if you want to tap your home equity through a cash-out refi. Be aware you’ll typically need to have at least 20% equity in your home to be able to do this. So, for those who got into their home with the 5% minimum down payment generally available on conventional mortgages, it could take a while before you’re in a place to leverage a cash-out refi. Yet another case where a refi can help is to change your loan term. For example, maybe you applied for a 15-year mortgage when you bought the home, knowing that in exchange for higher monthly payments you’d save a boatload on interest charges over time. But then, your circumstances changed and now your monthly payments are stretching your budget. Refinancing to a 30-year loan might give you much-needed flexibility to make lower payments in that situation.You may also wish to refi if you’re hoping to switch loan types. Maybe you have an FHA loan with lifetime mortgage insurance (called MIP on this type of loan) requirements, and you want to switch to a conventional loan to get rid of this. Or perhaps you took out an adjustable-rate mortgage (ARM) but now you’ve decided to stay in the home for a longer time and don’t want to deal with the chance of rate hikes during the adjustment period. In that case, refinancing to a fixed-rate home loan could make sense. Costs to refinance your mortgageMuch like the traditional home loan you likely took out to buy your house, refinancing a mortgage involves closing costs that can run about 2% to 6% of the loan amount. For instance, if you do a rate-and-term refi on a $300,000 loan, you might pay anywhere from $6,000 to $18,000 in refi closing costs.Here are some costs you might see listed on your refinance loan estimate:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if your current loan servicer charges one).Different types of mortgage refi loansThere are many types of mortgage refinance loans available, and the one you need will depend on your goals and also on your existing mortgage. Here are some common refi options to consider:Rate-and-term refinance:This is likely the most popular refi option and offers a chance to lower your interest rate and/or get a different loan term. Just know if you opt for a shorter loan term, while that typically earns you a lower rate and also hefty lifetime interest savings, you’ll be committing to higher monthly payments.Cash-out refinance:With a cash-out refi, you tap your home’s equity by replacing your existing loan balance with a larger one and taking the difference in cash. You can use the money for home improvements, consolidating high-interest debt, or virtually any other financial goal.No-closing-cost refinance:With this type of refi, the lender covers closing costs but charges you a higher interest rate. If you don’t have cash upfront for closing costs and think you could otherwise benefit from a refinance, this option may be worth a look. But approach it with careful scrutiny.Streamline refinance:These are generally available to existing FHA, VA and USDA loan borrowers, and will typically involve less documentation and a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneYou’re not obligated to stick with the lender you got your original mortgage from when you refi. In fact, it’s probably worth shopping around for the lowest rate and best service you can find. However, some lenders may offer incentives if you stay with them, such as waiving a portion of the closing costs. Since these upfront charges can be something of a barrier to those who want to refinance, incentives can make a refi more feasible, and it’s worth broaching the conversation with your lender.Lastly, know that if your mortgage was purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.
Current ARM mortgage rates report for Dec. 3, 2025
While the bulk of homebuyers choose fixed-rate mortgages, there are cases where you might want to look closely at an adjustable-rate mortgage instead. For example, ARMs can be a smart option for folks buying a property to rent out or flip, or intending to move within a few years—meaning you’d move before the ARM’s introductory fixed-rate period ends and adjustments begin.Read on and we’ll explain how an ARM works, when you might want to consider an ARM over a fixed-rate loan, and look at current ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Average ARM mortgage ratesFortune reviewed the most recent data available as of Dec. 5. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.625%5.875%6.250%APR6.384%6.471%6.677%Interest RateBank of America 7/6 ARM5.625%U.S. Bank 7/6 ARM5.875%Zillow Home Loans 7/6 ARM6.250%APRBank of America 7/6 ARM6.384%U.S. Bank 7/6 ARM6.471%Zillow Home Loans 7/6 ARM6.677%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesAbout 92% of households with mortgages have fixed-rate home loans. Unlike ARMs, where the interest rate can fluctuate after an initial fixed-rate period, your rate is the same for the life of the loan when you have a fixed-rate mortgage. It’s easy to see why that’s a popular option.However, ARMs can make sense in certain situations. In other words, you might find you’re among the roughly 8% of mortgage holders who decide this type of loan offers an opportunity. When you might consider an adjustable-rate mortgageHere are three categories of homebuyer for whom ARMs can be helpful:Buyers of temporary or “starter homes.”If you’re fairly confident you won’t be in your home for long, an ARM might be a strategic choice since you can take advantage of the low fixed-period interest rate and then sell the home before the adjustment period hits. Investors.Many real estate investors like ARMs for a similar reason. They may secure a low interest rate upfront, and as the adjustment period approaches in three, five, or seven years, can adjust the rent to reflect the new mortgage payment or flip the property and buy the next one. Buyers during periods of high interest rates.Finally, many buyers go out on a limb with an adjustable-rate mortgage during periods of high interest since it’s more likely to offer a lower rate upfront andon the back end, assuming things cool off by the time your fixed period expires. Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs typically start off with a low, fixed interest rate for a set period of time—such as three, five, seven or 10 years—and after the “fixed period” expires, the “adjustment period” begins. Here’s where things get interesting. During the adjustment period, the interest rate on your ARM can fluctuate based on several key factors, including: Benchmark rates.ARMs commonly get their base interest rate from a benchmark called the Secured Overnight Financing Rate (SOFR). The U.S. Treasury publishes a new SOFR each morning as a way to tell banks and lenders “hey, here’s the cost of borrowing cash today.” That, in turn, helps lenders set market-appropriate interest rates for various products from auto loans to mortgages. Margins.The margin is a fixed percentage that your lender adds to the index to come up with your ARM interest rate. So if you have an ARM tied to the SOFR and the SOFR is 5% while your margin is 2%, your ARM rate will be 7%. Margins typically range between 2% and 3.5% and can vary based on the lender, loan and your creditworthiness. Margins are also set in stone as part of the loan agreement, so it’s best to shop around to see which lenders can offer more competitive margins. Rate caps.Finally, rate caps put a limit on how much your rate can rise throughout the course of the loan. “Initial” adjustment caps control how much the rate can rise the first time, “subsequent” adjustment caps dictate how it can rise after the initial cap, and “lifetime” adjustment caps put a limit on how much your interest rate can increase in total. The most common ARM length may be the 5/1, meaning the loan has a fixed interest rate for five years, and once that expires, the interest rate will start changing every one year for 25 years (most ARMs have 30-year terms). Another common ARM length is the 10/6, meaning you’ll have a 10-year fixed period and a 20-year adjustment period during which the interest rate will change every six months. You may also see 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Refinancing from an ARM to a fixed-rate mortgageSometimes, even if it was advantageous to buy your property using an ARM, you eventually realize a fixed-rate mortgage would be preferable looking ahead. For instance, maybe you’ve decided your first home is going to be a long-term home after all. You’re not alone if that’s the situation—research from 2024 found that a substantial number of Millennial and Gen Z homeowners can’t afford to upgrade and are making do with their starter homes.Regardless of the specific reason, know that it is possible to refi from an ARM to a fixed-rate mortgage. In fact, it’s probably a fairly common reason for ARM holders to refinance. Refinancing from an ARM to a fixed-rate mortgage isn’t rocket science, and works pretty much like refinancing from fixed-to-fixed. You’ll apply with multiple lenders to find the best rates, provide the necessary documentation, close on your new loan and pay your old loan in full.Pros and cons of adjustable-rate mortgagesLike any other mortgage type, ARMs come with a mix of pros and cons. While your lender can ultimately decide which mortgage type is right for you, knowing the basics can help you budget and navigate the early steps of the process: N/AProsPossibility for a lower interest rate upfront.Lenders typically offer lower interest rates for ARMs than fixed-rate mortgages during the initial (aka fixed) period. Lower borrower requirements.Because monthly payments start out lower, many lenders may ease requirements for ARM borrowers compared to fixed-rate borrowers (e.g. potentially accepting borrowers with 50% DTI). Monthly payments may decrease.If interest rates drop between now and when your fixed period ends, you may find yourself paying an even lower monthly payment. ConsBut, monthly payments may go up.Once your fixed rate expires, your interest rate can rise as high as the lifetime cap allows (often up to 5 percentage points higher than your starting rate). To illustrate, if the interest rate on a $400,000 principal rose from 7% to 12% overnight, the monthly payment would rise from something like $2,661 to around $4,114—a leap of $1,453, or 54.6% to put it another way.Difficult to rate shop.When discount points are removed from the equation, fixed-rate mortgage offers from Lenders No. 1 and No. 2 will be relatively easy to compare apples to apples. ARMs, however, have numerous moving parts and it can be difficult to find the right deal upfront. Less peace of mind.Even as the cost of taxes and insurance rises, fixed-rate borrowers have the peace of mind knowing that their fundamental mortgage payment will never change. ARM borrowers may enjoy lower rates upfront and possibly lower rates long term, but they won’t enjoy that long-term sense of stability.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
What is a HELOC (home equity line of credit)?
Do you have large upcoming expenses which you’re not entirely sure how to finance? You may lean instinctively toward a personal loan—or worse, carrying a balance on a credit card.If you’re a homeowner, you may have another option. A home equity line of credit (HELOC) can be a convenient way to borrow against the value of your home. There are several advantages to this method of financing, but it also comes with significant risk. Here’s what you need to know about taking out a HELOC.What is a HELOC?A home equity line of credit is a type of loan that allows you to borrow from the equity you’ve built in your property. Equity is simply the value of your home minus the amount you owe on your loan.A HELOC is a secured loan that uses your home as collateral. Secured loans often benefit from lower interest rates—but they can also result in forfeiting your collateral if you default on your loan. In other words, you could lose your home if you fail to repay your HELOC.To take out a HELOC, you typically need to have built more than 15% equity in your home. Most lenders require that you keep between 15% and 20% equity in your home. For example, if your home is worth $400,000 and you owe $200,000, you’ve built 50% equity. A lender requiring you to keep 20% equity in your property would hypothetically allow you to borrow up to 30% of your equity, or $120,000.Depending on the amount of equity you’ve got, taking out a HELOC can be a good option when you need more funds than would be offered with a traditional personal loan (often capped at $100,000).How does a HELOC work?A HELOC is a revolving line of credit—it works similar to a credit card.Instead of receiving a lump sum of cash as is the case with a standard personal loan, you receive access to a credit line that increases and decreases as you spend and repay your balance. You’ll only pay interest on your balance; the money you don’t spend won’t cost you as it sits and waits to be deployed.A HELOC often consists of two phases:The “draw” period. Depending on the specific terms, you may get up to 10 years to use your line of credit.The “repayment” period. After the draw period, you’ll no longer be able to spend on your credit line and you must repay what you currently owe. You can pay it all back at once or begin a monthly installment plan. You’ll often receive up to 20 years to repay what you owe.If you’d like to keep your HELOC after the draw period, you may be able to refinance it for another 10 years.Taking out a HELOC isn’t free. You’ll often pay closing costs like an origination fee, home appraisal fee, title search fee, and more. You could pay up to 5% of your loan amount in fees.When does a HELOC make sense?First and foremost, if you suspect for a second that you’ll have trouble repaying your HELOC, it’s not a good idea. Again, this loan is backed by your home—so defaulting can mean losing your property to the lender.A HELOC can be a smart move for those with larger ongoing purchases that can’t be paid off within a few months. For example, if you’re renovating your home in increments and find yourself making large purchases a handful of times each year, you may choose to finance it with a low-APR HELOC instead of a high-APR credit card.Other justifiable uses include:Emergency expensesCar repairsHealth expensesA HELOC may not make sense for impulse buyers. If you’re considering a HELOC for a recreational purchase that you don’t currently have the funds to afford—think vacations, jewelry, electronics, etc.—a HELOC isn’t a good idea. Don’t allow a HELOC to enable overspending.Pros and cons of a HELOCPros:Potentially borrow more than you’ll get from a traditional personal loanOnly pay interest on the funds you useTypically lower APR than credit cards and personal loansCons:Defaulting on your loan can result in losing your homeInterest rates are often variable (unlike a traditional personal loan)Lowers your home equity until repaidHow to qualify for a HELOCQualifying for a HELOC is a bit more involved than, say, the average credit card or personal loan requirements. In addition to details like potential home appraisal, notary involvement, and title searches, you’ll need a good credit profile and debt-to-income ratio (below 40% is ideal). You’ll also need to have built more than 15% or 20% equity in your home.When opening a HELOC, be prepared to show proof of employment and income. Lacking either of these can disqualify you, as well.HELOC vs. home equity loanA home equity line of credit differs from a home equity loan in one major way: One is a revolving line of credit and the other is an installment loan:A home equity loan dumps a sum of cash into your bank account and enrolls you in equal monthly payments until the money is paid back—including interest.A HELOC provides no cash upfront. You’ll get a credit limit that you can spend and repay as you choose.A home equity loan is likely a better choice if you need a lot of money upfront for an expense and you don’t want to be subject to fluctuating interest rates. It’s also ideal if you don’t foresee continually needing to draw from your equity. For example, consolidating existing high-interest debts from other accounts is oftentimes a good use of a home equity loan.On the other hand, a HELOC is better if you plan to (or suspect you might) frequently make large purchases and pay them off. A HELOC also functions as a better emergency tool than a home equity loan, as you won’t pay interest unless you spend it.Alternatives to a HELOCA HELOC isn’t the only way to finance your large (or small) purchases. Here are other common options that may better suit your needs in some situations:Personal loan:Unsecured personal loans generally come with higher APYs than HELOCs, but at least you aren’t putting your home up as collateral. If you need a lump sum totaling less than $100,000, it could be a fair option.Credit card:If you’re seeking a revolving credit line for daily purchases that you can easily pay back each month—generally avoiding interest charges if you pay in full each statement cycle—a credit card is a better choice. Many earn rewards on purchases and come with purchase insurance. Some even offer a 0% introductory APR for a year or two.Cash-out refinance:If mortgage interest rates have decreased considerably since you took out your loan, you may benefit from refinancing your mortgage for more than you owe. You can put the difference in your pocket.Frequently asked questionsHow much can I borrow with a HELOC?Many lenders allow you to borrow between 80% and 85% of your home equity when taking out a HELOC.Can I convert my HELOC to a fixed rate?Some financial institutions allow you to convert a portion of your HELOC to a fixed interest rate.How does a HELOC affect my credit score?When taking out a HELOC, your credit report will sustain a hard credit inquiry. This will temporarily ding your credit score. However, your credit score will likely bounce back and even increase with responsible credit usage.Does a HELOC have annual fees?Some (but not all) HELOCs charge annual fees.How do I calculate my home equity?To calculate your home equity, simply subtract your loan amount from the current value of your home. For example, if your home is worth $250,000 and you owe $200,000, you have $50,000 (or 20%) in equity.
First Foundation Bank review 2025: A limited online footprint and an emphasis on service
Key TakeawaysFirst Foundation doesn’t have as robust a digital presence as some competitors.Certain deposit accounts do offer very competitive rates.This bank may be best for customers who value a more personal touch.Founded in 2007, First Foundation is a Federal Deposit Insurance Corp. (FDIC)-insured bank with 30 branches in California, Florida, Hawaii, Nevada, and Texas. Its parent company is Texas-based First Foundation Inc., which also operates the wealth management company First Foundation Advisors.First Foundation Bank was created initially to serve wealth advisory clients but has since expanded to offer consumer accounts to appeal to a broader base of consumers with more varied banking needs. It puts a strong focus on customer service and a high-touch banking experience, but it has a more limited digital experience as a result, with only a small handful of accounts are available to be opened online. All rates and fees are current as of Nov. 21, 2025, and are subject to change. First FoundationFirst Foundation BankChecking accountsStarting at a $100 opening depositSavings accountsEarn up to 4.00% APYCertificate of deposit (CD) ratesEarn up to 4.00% APY on a four-month CD (APY)View offerat MoneyLionCompany insightsYear Founded: 1990Company Headquarters: Dallas, TXCEO: Thomas C. SchaferFortune Rankings#89on Fortune’s 2020 100 Fastest-Growing Companies list.View offerat MoneyLionWho is First Foundation good for?First Foundation is likely best for someone who lives near one of its 30 local branches and values a personal touch to their banking experience. While it offers a handful of banking services on its website and mobile app, it is not as comprehensive as some other banks that are set up to be 100% digital. However, the bank has solid account options and appears to provide great customer service as well. Customer reports are generally positive, so if the limited ability to open an account online isn’t an issue for you, First Foundation may be a strong choice. Who shouldn’t use First Foundation?Those who want a seamless and fully digital banking experience may want to look elsewhere. If you prefer to do all your banking online, then you might potentially find banking with First Foundation a frustrating experience. N/AProsCompetitive interest ratesStrong customer serviceGood account varietyConsSome accounts can only be opened in personThe interest-bearing checking account has a monthly fee (waivable)Limited physical footprintADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67First Foundation rates and productsIn addition to savings accounts, First Foundation offers several consumer account options including a variety of checking accounts, money market accounts (MMAs), and certificates of deposit (CDs).Checking accountsUp to 0.03% APYSavings accounts4.00% APYCDsEarn up to 4.00% APY on a four-month CD (APY)Money Market accountsEarn up to 4.00% APY Bank details checked Nov. 21, 2025.Checking accountsFirst Foundation Bank offers three checking accounts: Personal Checking, Personal Interest Checking, and Senior Interest Checking. All three accounts have a debit card, Zelle, bill pay, and mobile deposits. First Foundation will also reimburse up to $20 in ATM fees per month from ATMs nationwide. Bank details checked Nov. 21, 2025.Personal CheckingThe Personal Checking account charges no monthly fee and requires a $100 minimum opening deposit. It is also the only checking account that does not accrue any interest. You can open this account online if you are already a First Foundation customer. If you don’t yet have a First Foundation account, you can open a savings account online first and then open this checking account once you have an online login. Otherwise, you can go to a branch and open the account in person.First Foundation Personal Checking account featuresAccount opening bonusNoneMinimum opening deposit$100Monthly fees$0Top APY0% Personal Interest CheckingThe Personal Interest Checking account has a $20 monthly fee, which will be waived if you maintain a minimum daily balance of $2,500. This account does earn interest. However, this account is not available to open online and is only available through local branch locations.First Foundation Personal Interest checking account featuresAccount opening bonusNoneMinimum opening deposit$100Monthly fees$20Top APY0.03% APYSenior Interest CheckingThe Senior Interest Checking account features exclusive extras available to customers who are 55 and over, such as free basic checks and no minimum balance requirements. This account also earns up to 0.03% APY.Only existing customers are able to open this account online—you can open an online savings account first or visit a branch and open the account in person.First Foundation Senior Interest checking account featuresAccount opening bonusNoneMinimum opening deposit$100Monthly fees$0Top APY0.03%#qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer174 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer174 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer174 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer174 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer174 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer174 .listing:first-child { margin-top: 0; } #qsWidgetContainer174 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer174 .logo-column.flex-container, #qsWidgetContainer174 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer174 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer174 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer174 .apy-label, #qsWidgetContainer174 .curDate, #qsWidgetContainer174 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer174 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer174 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer174 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer174 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer174 .prop-value-container { align-items: stretch; } #qsWidgetContainer174 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer174 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer174 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer174 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer174 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer174 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer174 #sh-star-icon { top: -2px; } #qsWidgetContainer174 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer174 #see_more_carrier, #qsWidgetContainer174 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer174 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer174 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer174 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer174 .shmktpl-sponsored, #qsWidgetContainer174 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer174 .sh-logo { flex-shrink: 1; } #qsWidgetContainer174 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer174 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer174 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer174 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer174 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer174 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer174 .sh-first-product .sh-btn__text, #qsWidgetContainer174 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer174 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer174 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Savings accountsFirst Foundation’s savings account can be opened online and is available to clients anywhere in the country. This high-yield savings account earns 4.00% APY and charges an avoidable $3 maintenance fee.Know that a $1,000 minimum deposit is required to open this savings account. The opening deposit for the online savings account must be “new money,” meaning it must come from a bank other than First Foundation. You must first open an online savings account with First Foundation Bank in order to have the online checking account. ATM cards for the online savings account are available upon request.Bank details checked Nov. 21, 2025.First Foundation Online Savings account featuresAccount opening bonusNoneMinimum opening deposit$1,000Monthly fees$0Top APY4.00%You can learn more about how high-yield savings accounts work here.Online money market accountsMMAs can be thought of as a hybrid of a savings account and a checking account. They typically earn interest like a savings account but allow access to funds in a similar manner as a checking account. You can learn more about how MMAs work here. The First Foundation Online Money Market account charges no monthly maintenance fee and requires a minimum deposit of $1,000 in “new money” to open (meaning you can’t transfer the funds from an existing First Foundation account). It earns a 4.00% APY, includes a debit card upon request and has check writing capabilities.New customers can open this account online.Bank details checked Nov. 21, 2025.First Foundation MMA featuresAccount opening bonusNoneMinimum opening deposit$1,000Monthly fees$0Top APY4.00%Certificates of depositWhen opening a CD account with First Foundation, you will get access to online and mobile banking. There are two CDs available, a four-month and a 12-month. Both can be opened online with a minimum deposit of $2,500. Both have interest that is compounded daily and credited monthly.When opening a CD, you typically get a fixed interest rate in exchange for locking your money up for a specified period of time. If you withdraw the funds before the term of the CD, you usually have to pay an early withdrawal penalty. At First Foundation, that penalty is 90 days for the 4-month CD and 180 days of interest for the 12-month CD. First Foundation CD featuresMinimum opening deposit$2,500Available term lengths4 months and 12 monthsTop APYEarn up to 4.00% APY on a four-month CDEarly withdrawal penaltyEarly withdrawal penalty of 180 days interest applies to withdrawals made at any time before the CD’s maturity.See our top picks for best certificates of deposit here.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.READ BANK REVIEW12345...160Other services First Foundation offersIn addition to personal deposit accounts, First Foundation Bank offers a full spectrum of additional services ranging from business accounts to real estate lending services, and residential mortgage loans. Additional services include:Business banking, including checking, savings, money markets, and CDsLines of credit and term loansOwner-occupied real estate financingSmall Business Administration (SBA) lendingEquipment financingBusiness credit cardsMultifamily lendingCommercial real estate (CRE) lendingRental property loansMortgages for primary residence purchases, vacation or secondary residences, and investment propertiesCredit cardsInvestment managementThe First Foundation platform and customer supportFirst Foundation Bank offers online and mobile banking. Both platforms can be used to track your account activity, pay bills online, transfer funds, send person-to-person payments via Zelle, and more.The bank’s customer service representatives can be reached via phone at 888-405-4332. Service hours are Monday through Thursday from 5 a.m. until 8 p.m. Pacific Time, Friday from 5 a.m. until 6 p.m. PT, and Saturday from 6 a.m. until 2:30 p.m. PT. You can also email the bank for support with digital accounts at newaccount@ff-inc.com.The customer service phone number also provides automated support 24 hours a day, seven days a week.Virtual help is also available via Webex from the bank’s website, which features a knowledge center with videos explaining many of its services.First Foundation user reviewsFirst Foundation Bank only has two written reviews on Trustpilot and minimal comments on Reddit, however the few comments that do exist are mostly positive. Users of the app on both the Apple App store and Google Play give it high praise, with iOS users overall giving it 4.6 stars out of five and Google Play users rating it 4.1 stars out of five.Compare First Foundation alternativesIf you’re seeking a bank that may have a more robust digital footprint, SoFi or Quontic might provide that along with high-yield account options.First FoundationQuontic BankSoFi® (Member FDIC)Top savings APYTop savings APYTop savings APY4.00%3.75%Get up to 3.60%.1 Get a 0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.2Top checking APYTop checking APYTop checking APY0.03%1.10%0.50%Top CD APYTop CD APYTop CD APY4.00% APY on a 4-month CD3.75% on a 6-month CDN/ALearn moreLearn moreLearn moreView offerat MoneyLionView offerat MoneyLionView offerat SoFiBank details checked Nov. 21, 2025.Is First Foundation right for you?Customers who live near a First Foundation Bank location may have the best experience. While the bank does have a website and mobile app, it leans toward personalized in-person banking. First Foundation seems to value the human connection of serving their local communities. That said, it does offer solid accounts with competitive rates, and in-person banking is only required to open select accounts.Frequently asked questionsIs First Foundation a real bank?Yes, First Foundation is both an online bank and maintains local branches in California, Florida, Nevada, Hawaii, and Texas.Is First Foundation secure?First Foundation Bank is a secure and trustworthy bank. It is FDIC-insured so your funds are protected up to $250,000 per account type, per owner. The bank also utilizes all the security measures you should expect from a bank, such as encryption, two-factor authentication (2FA), staff training, and updated software. Does First Foundation have Zelle?Yes, First Foundation Bank’s mobile app and online banking platform include Zelle in the bill pay function.How long has First Foundation been in business?The founder of First Foundation, Rick Keller, began providing fee-only financial services in 1990. He established First Foundation Bank in 2007 to add banking to the list of services he offered.SoFi disclaimer1:Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet2: 0.70% Savings APY BoostEarn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Enroll in SoFi Plus between 9/18/25 and 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/sofi-plus SoFi Bank, N.A. Member FDIC.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current price of gold as of November 13, 2025
As of 9:15 a.m. Eastern Time on November 13, 2025, gold was priced at $4,220 per ounce. This represents an $85 rise from yesterday at the same hour and an increase of over $1,656 compared to one year ago.Gold price per ounce% ChangePrice of gold yesterday$4,135-2.01%Price of gold 1 month ago$4,078-3.36%Price of gold 1 year ago$2,564-39.24%Price of gold yesterdayGold price per ounce$4,135% Change-2.01%Price of gold 1 month agoGold price per ounce$4,078% Change-3.36%Price of gold 1 year agoGold price per ounce$2,564% Change-39.24%If you’re searching for an investment that doesn’t move in lockstep with inflation, gold could be a smart pick. Over time, gold has generally shown an upward trend in value. Many investors use a gold IRA to buy and hold gold, which can help stabilize a portfolio during market swings. It’s also a convenient option for those who want to avoid the hassle of storing physical gold.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold isn’t always the top performer. In times of economic strength, stocks can yield better returns both short and long term. Between 1971 and 2024, the average annual return for stocks was 10.7%, while gold averaged 7.9% annually.Nevertheless, gold is often favored as a low-risk asset during economic uncertainty. For this reason, some investors treat it more as a store of value than as a traditional investment like stocks or bonds.What does “spot gold” mean?The spot price of gold is the current price for immediate purchase or sale in the over-the-counter market. This price helps investors track gold demand and market trends in real time. In simple terms, a higher spot price indicates stronger demand for gold. Unlike futures, the spot price refers to immediate delivery.When the price for future delivery is higher than the spot price, it’s called contango, which is typical for commodities with storage costs. If the futures price is below the spot price, it’s known as backwardation.Numerous variables can affect the spot price, making it highly volatile. Investors in gold should be prepared for these price swings.What is price spread in gold trading?The price spread is the difference between an asset’s buying price and its selling price.In gold markets, the ask price is the cost to purchase, while the bid price is what you’d get for selling. The bid is always lower than the ask.A smaller spread means the market is more liquid. When spreads are narrow, it usually points to increased gold demand.How to invest in goldIf you imagine gold investing as a cartoonish dive into a pile of coins, that’s only part of the story. While physical gold bars, coins, or jewelry are options, most gold trading happens through exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, says, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Some common gold investment methods include:Gold bars:Also called bullion, these are sold by weight, with details like purity and manufacturer marked on the bar. There are also gold rounds.Gold coins:Collectibles such as the American Gold Eagle coin, often sold at a premium due to their rarity.Gold jewelry:Priced above the gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a set price in the future, letting investors speculate on price movements without handling the metal.Gold funds:Mutual funds or ETFs invested in gold assets, whose value changes with the underlying holdings.Is it a good time to invest in gold?Deciding if now is the best time to buy gold is subjective. Still, gold can help diversify your portfolio and reduce the impact of market volatility.Gold remains a stable choice amid market turbulence. Prices have surged to record highs, up over 25% since early 2025, driven by inflation and uncertainty. Many experts see this as a good time to add gold for diversification.Current precious metals pricesas of 9:15 a.m. ET on November 13, 2025Precious MetalPrice per ounceGold$4,220Silver$53Platinum$1,598Palladium$1,456GoldPrice per ounce$4,220SilverPrice per ounce$53PlatinumPrice per ounce$1,598PalladiumPrice per ounce$1,456Silver, platinum, and palladium are also popular among investors. Gold is usually less volatile than silver, which can see significant price swings even within a day. Silver’s widespread industrial use makes it more sensitive to economic trends.Platinum and palladium share similar traits with silver. While they offer diversification benefits, they tend to be more volatile than gold.SponsoredAdvertiser DisclosureAdvertiser DisclosureCompare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare /* Loader */ #ZIzuiRaibTOKAVdO .spinner { display: none; } #ZIzuiRaibTOKAVdO.listingsLoading .spinner { display: block; } #ZIzuiRaibTOKAVdO.listingsLoading .widget-render-result { display: none; } #ZIzuiRaibTOKAVdO.listingsLoaded .widget-render-result { display: block; } #ZIzuiRaibTOKAVdO.listingsLoaded .spinner { display: none; } #ZIzuiRaibTOKAVdO.listingsLoading .search-result-container .spinner { display: block; } #ZIzuiRaibTOKAVdO.listingsLoaded.listingsLoading .spinner { display: block; } #ZIzuiRaibTOKAVdO .spinner { display: block; margin: 30px auto; width: 48px; height: 48px; } #ZIzuiRaibTOKAVdO .spinner:after { content: " "; display: block; width: 32px; height: 32px; margin: 1px; border-radius: 50%; border: 10px solid #105485; border-color: transparent #105485 transparent #105485; -webkit-animation: lds-dual-ring 1.2s linear infinite; animation: lds-dual-ring 1.2s linear infinite; } @-webkit-keyframes lds-dual-ring { 0% { -webkit-transform: rotate(0deg); transform: rotate(0deg); } 100% { -webkit-transform: rotate(360deg); transform: rotate(360deg); } } @keyframes lds-dual-ring { 0% { -webkit-transform: rotate(0deg); transform: rotate(0deg); } 100% { -webkit-transform: rotate(360deg); transform: rotate(360deg); } } #ZIzuiRaibTOKAVdO { font-family: Roboto,sans-serif; margin: 0; font-size: 14px; box-sizing: border-box; -webkit-user-select: none; -moz-user-select: none; -ms-user-select: none; user-select: none; -webkit-tap-highlight-color: transparent; padding: 0 32px; max-width: 1024px; margin: 0 auto; position: relative; } #ZIzuiRaibTOKAVdO input.chk-btn { display: none; } #ZIzuiRaibTOKAVdO input.chk-btn + label { border: 1px solid #1C96F0; background: #FFFFFF; padding: 5px 8px; cursor: pointer; border-radius: 5px; color: #1C96F0; padding: 10px 16px; font-size: 14px; } #ZIzuiRaibTOKAVdO input.chk-btn:not(:checked) + label:hover { box-shadow: 0px 1px 3px; } #ZIzuiRaibTOKAVdO input.chk-btn + label:active, #ZIzuiRaibTOKAVdO input.chk-btn:checked + label { box-shadow: 0px 0px 3px inset; background: #1C96F0; color: #FFFFFF; } #ZIzuiRaibTOKAVdO .filter-check-options-cntnr { display: flex; flex-flow: row wrap; width: 100%; align-items: center; justify-content: flex-start; margin-top: 24px; } #ZIzuiRaibTOKAVdO .check-elem { display: flex; margin: 5px; } #ZIzuiRaibTOKAVdO .check-elem.view-btn, #ZIzuiRaibTOKAVdO .check-elem.view-less-btn { background: #E9F5FF; padding: 10px 20px; border-radius: 6px; color: #1C96F0; font-size: 14px; font-weight: bold; cursor: pointer; } #ZIzuiRaibTOKAVdO .check-elem.view-btn { background: #E9F5FF; padding: 10px 20px; border-radius: 6px; color: #1C96F0; font-size: 14px; font-weight: bold; } #ZIzuiRaibTOKAVdO .shmktpl-title { font-size: 42px; line-height: 51px; font-weight: 500; } #ZIzuiRaibTOKAVdO .shmktpl-subtitle { font-size: 20px; color: #0A3B5F; line-height: 24px; } #ZIzuiRaibTOKAVdO .sub-heading-container { display: flex; justify-content: space-between; margin-top: 10px; } #ZIzuiRaibTOKAVdO .prod-desc-text { font-size: 12px; text-decoration: underline; color: #1C96F0; cursor: pointer; line-height: 16px; } #ZIzuiRaibTOKAVdO .hide { display: none; } #ZIzuiRaibTOKAVdO .overlay-background-blur { position: fixed; top: 0px; left: 0px; width: 100%; height: 100%; background: rgba(53, 49, 69, 0.4); z-index: 1; } #ZIzuiRaibTOKAVdO .prod-desc-popup-content { top: 5%; margin-top: 20px; padding-bottom: 0; position: fixed; z-index: 1000; left: 0; right: 0; min-width: 600px; width: 80%; height: 90%; overflow-y: scroll; margin: auto; text-align: left; background-color: #fff; border: solid 1px #dcdcde; font-size: 12px; -webkit-box-shadow: -2px 2px 2px 0px rgba(220,220,222,0.75); -moz-box-shadow: -2px 2px 2px 0px rgba(220, 220, 222, 0.75); box-shadow: -2px 2px 2px 0px rgba(220, 220, 222, 0.75); -webkit-border-radius: .125rem; -moz-border-radius: .125rem; border-radius: .125rem; color: #000; line-height: 30px; box-shadow: 0px 0px 8px #0C1B2428; } #ZIzuiRaibTOKAVdO .overlay-close-btn { background-image: url("data:image/svg+xml;base64,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"); height: 24px; width: 24px; right: 0; position: absolute; top: 12px; right: 12px; cursor: pointer; } #ZIzuiRaibTOKAVdO .prod-desc-content-cntnr { font-size: 20px; color: #0A3C5F; } #ZIzuiRaibTOKAVdO .prod-desc-content-cntnr .prod-desc-header { font-size: 20px; color: #0A3C5F; padding: 16px 25px; border-bottom: 1px solid #D0E0EE; } #ZIzuiRaibTOKAVdO .product-list { display: flex; flex-flow: row wrap; } #ZIzuiRaibTOKAVdO .item { flex: 1 1 calc(33.3% - 48px); align-items: unset; padding: 12px 24px; flex-flow: column; align-content: center; } #ZIzuiRaibTOKAVdO .description { font-size: 12px; line-height: 18px; } #ZIzuiRaibTOKAVdO .title { font-size: 12px; color: #0A3C5F; font-weight: bold; } #ZIzuiRaibTOKAVdO .description-title { text-transform: uppercase; } .row-odd, .row-even { display: flex; margin-top: 12px; justify-content: space-between; } .desktop-bg { background: #E9F5FF; } .add-overlay-content { width: 400px; margin: auto; right: 3%; padding: 16px 24px; border: 2px solid #D0E0EE; border-radius: 6px; position: absolute; background: #eceef1; color: black; font-size: 12px; top: 50px; z-index: 5; } .disclosure-title { font-size: 20px; color: #0A3C5F; font-weight: normal; padding: 16px 0px; border-bottom: 1px solid #D0E0EE; } .filter-disclosure-content { font-size: 14px; color: #08283B; line-height: 22px; margin-top: 10px; max-height: 150px; overflow-y: scroll; padding-right: 10px; } .header-section { display: none; justify-content: space-between; padding: 26px 0px; border-bottom: 1px solid #D0E0EE; } .add-text { font-size: 12px; color: #1C96F0; text-decoration: underline; cursor: pointer; } .title-container { margin-top: 22px; } @media (max-width : 575px) { .filter-disclosure-content { max-height: 250px; } .add-overlay-content { width: 80%; } } #ZIzuiRaibTOKAVdO input.chk-btn + label { padding: 10px 11px; } #ZIzuiRaibTOKAVdO .check-elem { margin: 3px; } #ZIzuiRaibTOKAVdO.minFilter .check-elem.annuity { display: none !important; } #ZIzuiRaibTOKAVdO.minFilter .check-elem.businesschecking { display: none !important; } #ZIzuiRaibTOKAVdO.minFilter .check-elem.view-btn { display: none; } #ZIzuiRaibTOKAVdO.minFilter input.chk-btn + label { padding: 10px 11px; } #ZIzuiRaibTOKAVdO .sh-msg { display: none; font-size: 20px; text-align: center; margin-top: 20px; } @media (max-width: 375px) { #ZIzuiRaibTOKAVdO input.chk-btn + label { padding: 10px 8px; } #ZIzuiRaibTOKAVdO.minFilter input.chk-btn + label { padding: 10px 8px; } } @media (max-width: 360px) { #ZIzuiRaibTOKAVdO input.chk-btn + label { padding: 10px 3px; font-size: 12px; } #ZIzuiRaibTOKAVdO.minFilter input.chk-btn + label { padding: 10px 4px; font-size: 12px; } } #ZIzuiRaibTOKAVdO .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #ZIzuiRaibTOKAVdO.loadingMessage .sh-loading-msg { display: block; } #ZIzuiRaibTOKAVdO.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media (max-width: 650px){ #ZIzuiRaibTOKAVdO .sh-loading-msg { font-size: 18px; } } #ZIzuiRaibTOKAVdO .mobile { display: none; } #ZIzuiRaibTOKAVdO .sh-hide { display: none; } #ZIzuiRaibTOKAVdO .desktop { display: block; } #ZIzuiRaibTOKAVdO .desktop-inline { display: inline-block; } #ZIzuiRaibTOKAVdO .row-1, #ZIzuiRaibTOKAVdO .row-2 { display: flex; } #ZIzuiRaibTOKAVdO .row-1 { padding: 24px 23px 24px 24px; justify-content: space-between; } #ZIzuiRaibTOKAVdO .row-2 { background: #F2F9FF 0% 0% no-repeat padding-box; width: 100%; } #ZIzuiRaibTOKAVdO .row-2 .listing-description { padding: 24px 23px; width: 100%; } #ZIzuiRaibTOKAVdO .logo-image-wrapper { margin: auto; width: 196px; } #ZIzuiRaibTOKAVdO .logo-column { display: flex; align-items: center; } #ZIzuiRaibTOKAVdO .logo-image-wrapper img { width: 100%; height: auto; } #ZIzuiRaibTOKAVdO .ad-copy { margin-left: 24px; } #ZIzuiRaibTOKAVdO .total-results { color: #0A3B5F; font-weight: bold; font-size: 14px; } #ZIzuiRaibTOKAVdO .listing-description .disclosure-content { margin-top: 0px; } #ZIzuiRaibTOKAVdO .logo-column.flex-container { flex: 0 0 20%; } #ZIzuiRaibTOKAVdO .ad-copy-column.flex-container { flex: 0 0 78%; } #ZIzuiRaibTOKAVdO .top-section-right { margin-left: 5px; } #ZIzuiRaibTOKAVdO .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #ZIzuiRaibTOKAVdO .ad-copy { margin-left: 24px; } #ZIzuiRaibTOKAVdO .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #ZIzuiRaibTOKAVdO .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #ZIzuiRaibTOKAVdO .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #ZIzuiRaibTOKAVdO .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #ZIzuiRaibTOKAVdO .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #ZIzuiRaibTOKAVdO .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #ZIzuiRaibTOKAVdO .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #ZIzuiRaibTOKAVdO .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #ZIzuiRaibTOKAVdO .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #ZIzuiRaibTOKAVdO .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #ZIzuiRaibTOKAVdO .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #ZIzuiRaibTOKAVdO .disclosure-contnr { text-align: center; } #ZIzuiRaibTOKAVdO .listing-header-cntnr { margin-top: 34px; } #ZIzuiRaibTOKAVdO .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #ZIzuiRaibTOKAVdO .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #ZIzuiRaibTOKAVdO .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #ZIzuiRaibTOKAVdO .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #ZIzuiRaibTOKAVdO .apy-label { font: normal normal 900 24px / 28px Roboto; } #ZIzuiRaibTOKAVdO .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #ZIzuiRaibTOKAVdO .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #ZIzuiRaibTOKAVdO .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #ZIzuiRaibTOKAVdO .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #ZIzuiRaibTOKAVdO .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #ZIzuiRaibTOKAVdO .additional-content { margin-top: 0px !important; } #ZIzuiRaibTOKAVdO .additional-content ul li { margin-bottom: 0; } #ZIzuiRaibTOKAVdO .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #ZIzuiRaibTOKAVdO .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #ZIzuiRaibTOKAVdO .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #ZIzuiRaibTOKAVdO .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #ZIzuiRaibTOKAVdO .shArrow { width: 12px; height: 7px; } #ZIzuiRaibTOKAVdO span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #ZIzuiRaibTOKAVdO .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #ZIzuiRaibTOKAVdO .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #ZIzuiRaibTOKAVdO #see_more_carrier, #ZIzuiRaibTOKAVdO .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #ZIzuiRaibTOKAVdO .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #ZIzuiRaibTOKAVdO .apy-label p { margin-top: 0px; margin-bottom: 0px; } #ZIzuiRaibTOKAVdO .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #ZIzuiRaibTOKAVdO { padding: 0 26px; } #ZIzuiRaibTOKAVdO .logo-image-wrapper { width: 136px; } #ZIzuiRaibTOKAVdO .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #ZIzuiRaibTOKAVdO .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #ZIzuiRaibTOKAVdO .prop-value-container .apy-container { flex: 0 0 44%; } #ZIzuiRaibTOKAVdO .prop-value-container .mfee-container, #ZIzuiRaibTOKAVdO .prop-value-container .minvalue-container { flex: 0 0 28%; } #ZIzuiRaibTOKAVdO .ad-copy-top-section { margin-bottom: 15px; } #ZIzuiRaibTOKAVdO .sh-row-product-title { max-width: 136px; } #ZIzuiRaibTOKAVdO .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #ZIzuiRaibTOKAVdO .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #ZIzuiRaibTOKAVdO .logo-image-wrapper { width: 100%; max-width: 292px; } #ZIzuiRaibTOKAVdO .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #ZIzuiRaibTOKAVdO .ad-copy { margin-left: 0; } #ZIzuiRaibTOKAVdO .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #ZIzuiRaibTOKAVdO .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #ZIzuiRaibTOKAVdO .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #ZIzuiRaibTOKAVdO .see-more-text { padding: 16px 15px; } #ZIzuiRaibTOKAVdO .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #ZIzuiRaibTOKAVdO .top-section-right { margin-left: 0px; } #ZIzuiRaibTOKAVdO .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #ZIzuiRaibTOKAVdO.sizeone .header-section { padding: 6px 10px; } } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .row-1 { padding-left: 14px; } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .ad-copy, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .ad-copy, #ZIzuiRaibTOKAVdO.sh-box750.device-desktop .ad-copy, #ZIzuiRaibTOKAVdO.sh-box800.device-desktop .ad-copy, #ZIzuiRaibTOKAVdO.sh-box850.device-desktop .ad-copy, #ZIzuiRaibTOKAVdO.sh-box900.device-desktop .ad-copy, #ZIzuiRaibTOKAVdO.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .logo-image-wrapper, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .logo-image-wrapper, #ZIzuiRaibTOKAVdO.sh-box750.device-desktop .logo-image-wrapper, #ZIzuiRaibTOKAVdO.sh-box800.device-desktop .logo-image-wrapper, #ZIzuiRaibTOKAVdO.sh-box850.device-desktop .logo-image-wrapper, #ZIzuiRaibTOKAVdO.sh-box900.device-desktop .logo-image-wrapper, #ZIzuiRaibTOKAVdO.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .listing-title, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .listing-title, #ZIzuiRaibTOKAVdO.sh-box750.device-desktop .listing-title, #ZIzuiRaibTOKAVdO.sh-box800.device-desktop .listing-title, #ZIzuiRaibTOKAVdO.sh-box850.device-desktop .listing-title, #ZIzuiRaibTOKAVdO.sh-box900.device-desktop .listing-title, #ZIzuiRaibTOKAVdO.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .shmktpl-button, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .shmktpl-button, #ZIzuiRaibTOKAVdO.sh-box750.device-desktop .shmktpl-button, #ZIzuiRaibTOKAVdO.sh-box800.device-desktop .shmktpl-button, #ZIzuiRaibTOKAVdO.sh-box850.device-desktop .shmktpl-button, #ZIzuiRaibTOKAVdO.sh-box900.device-desktop .shmktpl-button, #ZIzuiRaibTOKAVdO.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .prop-value-container .apy-container, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .prop-value-container .apy-container, #ZIzuiRaibTOKAVdO.sh-box750.device-desktop .prop-value-container .apy-container, #ZIzuiRaibTOKAVdO.sh-box800.device-desktop .prop-value-container .apy-container, #ZIzuiRaibTOKAVdO.sh-box850.device-desktop .prop-value-container .apy-container, #ZIzuiRaibTOKAVdO.sh-box900.device-desktop .prop-value-container .apy-container, #ZIzuiRaibTOKAVdO.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .prop-value-container .mfee-container, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .prop-value-container .mfee-container, #ZIzuiRaibTOKAVdO.sh-box750.device-desktop .prop-value-container .mfee-container, #ZIzuiRaibTOKAVdO.sh-box800.device-desktop .prop-value-container .mfee-container, #ZIzuiRaibTOKAVdO.sh-box850.device-desktop .prop-value-container .mfee-container, #ZIzuiRaibTOKAVdO.sh-box900.device-desktop .prop-value-container .mfee-container, #ZIzuiRaibTOKAVdO.sh-box950.device-desktop .prop-value-container .mfee-container #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .prop-value-container .minvalue-container, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .prop-value-container .minvalue-container, #ZIzuiRaibTOKAVdO.sh-box750.device-desktop .prop-value-container .minvalue-container, #ZIzuiRaibTOKAVdO.sh-box800.device-desktop .prop-value-container .minvalue-container, #ZIzuiRaibTOKAVdO.sh-box850.device-desktop .prop-value-container .minvalue-container, #ZIzuiRaibTOKAVdO.sh-box900.device-desktop .prop-value-container .minvalue-container, #ZIzuiRaibTOKAVdO.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .sh-row-product-title, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .sh-row-product-title, #ZIzuiRaibTOKAVdO.sh-box750.device-desktop .sh-row-product-title, #ZIzuiRaibTOKAVdO.sh-box800.device-desktop .sh-row-product-title, #ZIzuiRaibTOKAVdO.sh-box850.device-desktop .sh-row-product-title, #ZIzuiRaibTOKAVdO.sh-box900.device-desktop .sh-row-product-title, #ZIzuiRaibTOKAVdO.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .disclosure-content ul li, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .disclosure-content ul li, #ZIzuiRaibTOKAVdO.sh-box750.device-desktop .disclosure-content ul li, #ZIzuiRaibTOKAVdO.sh-box800.device-desktop .disclosure-content ul li, #ZIzuiRaibTOKAVdO.sh-box850.device-desktop .disclosure-content ul li, #ZIzuiRaibTOKAVdO.sh-box900.device-desktop .disclosure-content ul li, #ZIzuiRaibTOKAVdO.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .ad-copy-top-section, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .ad-copy-top-section, #ZIzuiRaibTOKAVdO.sh-box750.device-desktop .ad-copy-top-section, #ZIzuiRaibTOKAVdO.sh-box800.device-desktop .ad-copy-top-section, #ZIzuiRaibTOKAVdO.sh-box850.device-desktop .ad-copy-top-section, #ZIzuiRaibTOKAVdO.sh-box900.device-desktop .ad-copy-top-section, #ZIzuiRaibTOKAVdO.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .row-1, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .row-1 , #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .row-2, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .row-2 , #ZIzuiRaibTOKAVdO.sh-box500.device-desktop .row-1, #ZIzuiRaibTOKAVdO.sh-box550.device-desktop .row-1 , #ZIzuiRaibTOKAVdO.sh-box500.device-desktop .row-2, #ZIzuiRaibTOKAVdO.sh-box550.device-desktop .row-2{ display: unset; } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .ad-copy, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .ad-copy, #ZIzuiRaibTOKAVdO.sh-box550.device-desktop .ad-copy, #ZIzuiRaibTOKAVdO.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .apy-label, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .apy-label, #ZIzuiRaibTOKAVdO.sh-box550.device-desktop .apy-label, #ZIzuiRaibTOKAVdO.sh-box500.device-desktop .apy-label, #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .prop-value, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .prop-value, #ZIzuiRaibTOKAVdO.sh-box550.device-desktop .prop-value, #ZIzuiRaibTOKAVdO.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .logo-image-wrapper, #ZIzuiRaibTOKAVdO.sh-box700.device-desktop .logo-image-wrapper, #ZIzuiRaibTOKAVdO.sh-box550.device-desktop .logo-image-wrapper, #ZIzuiRaibTOKAVdO.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #ZIzuiRaibTOKAVdO.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#ZIzuiRaibTOKAVdO.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#ZIzuiRaibTOKAVdO.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#ZIzuiRaibTOKAVdO.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #ZIzuiRaibTOKAVdO .shmktpl-title, #ZIzuiRaibTOKAVdO .sub-heading-container, #ZIzuiRaibTOKAVdO .filter-check-options-cntnr, #ZIzuiRaibTOKAVdO .listing-header-cntnr { display: none; } #ZIzuiRaibTOKAVdO.title .shmktpl-title, #ZIzuiRaibTOKAVdO.subHeading .sub-heading-container, #ZIzuiRaibTOKAVdO.multiSelectFilter .filter-check-options-cntnr, #ZIzuiRaibTOKAVdO.resultsText .listing-header-cntnr { display: flex; } #ZIzuiRaibTOKAVdO.sizeone .add-overlay-content { width: 62%; height: auto; } #ZIzuiRaibTOKAVdO.sizeone .disclosure-title { padding: 6px 0px; } #ZIzuiRaibTOKAVdO.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #ZIzuiRaibTOKAVdO .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #ZIzuiRaibTOKAVdO.sizeone .title-container { margin-top: 0; } #ZIzuiRaibTOKAVdO.sizeone .non_featured_list { margin-top: 0; } #ZIzuiRaibTOKAVdO.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #ZIzuiRaibTOKAVdO.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #ZIzuiRaibTOKAVdO .item { flex: 1 1 calc(50% - 48px); } #ZIzuiRaibTOKAVdO .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #ZIzuiRaibTOKAVdO .item:nth-of-type(4n+3), #ZIzuiRaibTOKAVdO .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #ZIzuiRaibTOKAVdO .item:nth-of-type(4n+1), #ZIzuiRaibTOKAVdO .item:nth-of-type(4n+1) + * { background-color: #fff; } #ZIzuiRaibTOKAVdO .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #ZIzuiRaibTOKAVdO .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #ZIzuiRaibTOKAVdO .desktop, #ZIzuiRaibTOKAVdO .desktop-inline { display: none; } #ZIzuiRaibTOKAVdO .mobile { display: block !important; } #ZIzuiRaibTOKAVdO { padding: 0 18px; } #ZIzuiRaibTOKAVdO .shmktpl-title { font-size: 24px; line-height: 29px; } #ZIzuiRaibTOKAVdO .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #ZIzuiRaibTOKAVdO .add-overlay-content { width: 80%; height: auto; } #ZIzuiRaibTOKAVdO .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #ZIzuiRaibTOKAVdO .row-1 { flex-flow: column; padding: 16px; } #ZIzuiRaibTOKAVdO .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #ZIzuiRaibTOKAVdO .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #ZIzuiRaibTOKAVdO .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #ZIzuiRaibTOKAVdO .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #ZIzuiRaibTOKAVdO .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #ZIzuiRaibTOKAVdO .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #ZIzuiRaibTOKAVdO .prop-value { margin-top: 0; } #ZIzuiRaibTOKAVdO .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #ZIzuiRaibTOKAVdO .non_featured_list { margin-top: 18px; } #ZIzuiRaibTOKAVdO .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #ZIzuiRaibTOKAVdO .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #ZIzuiRaibTOKAVdO .item:nth-child(3n), #ZIzuiRaibTOKAVdO .desktop-bg { background: none; } #ZIzuiRaibTOKAVdO .prod-desc-popup-content { padding: 0; } #ZIzuiRaibTOKAVdO .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #ZIzuiRaibTOKAVdO .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #ZIzuiRaibTOKAVdO .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #ZIzuiRaibTOKAVdO .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #ZIzuiRaibTOKAVdO .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #ZIzuiRaibTOKAVdO .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #ZIzuiRaibTOKAVdO .disclosure-content ul { padding-left: 14px; line-height: 28px; } #ZIzuiRaibTOKAVdO .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #ZIzuiRaibTOKAVdO .additional-features { flex: 0 0 100%; } #ZIzuiRaibTOKAVdO .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #ZIzuiRaibTOKAVdO.sizeone .listing-header-cntnr { display: none; } #ZIzuiRaibTOKAVdO.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #ZIzuiRaibTOKAVdO .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #ZIzuiRaibTOKAVdO .prod-desc-popup-content { position: fixed; } } #ZIzuiRaibTOKAVdO.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #ZIzuiRaibTOKAVdO.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #ZIzuiRaibTOKAVdO.listingAlignment .logo-image-wrapper img { width: 100%; } #ZIzuiRaibTOKAVdO.listingAlignment { padding: 0px; } #ZIzuiRaibTOKAVdO.listingAlignment .listing-title { font-size: 14px; } #ZIzuiRaibTOKAVdO.listingAlignment .listing-title span { font-size: 14px; } #ZIzuiRaibTOKAVdO.listingAlignment .row-1 { padding: 26px 10px; } #ZIzuiRaibTOKAVdO.listingAlignment .prop-name { font-size: 10px; } #ZIzuiRaibTOKAVdO.listingAlignment .prop-value { font-size: 14px } #ZIzuiRaibTOKAVdO.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #ZIzuiRaibTOKAVdO.listingAlignment .logo-column.flex-container { flex: unset; } #ZIzuiRaibTOKAVdO.listingAlignment .prop-conatiner { flex: unset; } #ZIzuiRaibTOKAVdO.listingAlignment .ad-copy-column.flex-container { flex: unset; } #ZIzuiRaibTOKAVdO.listingAlignment .cta-column.flex-container { flex: unset; } #ZIzuiRaibTOKAVdO.listingAlignment .disclosure-content ul li::before { content: unset; } #ZIzuiRaibTOKAVdO.listingAlignment .disclosure-content ul li { list-style: disc; } } #ZIzuiRaibTOKAVdO.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #ZIzuiRaibTOKAVdO.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #ZIzuiRaibTOKAVdO.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #ZIzuiRaibTOKAVdO.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #ZIzuiRaibTOKAVdO.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #ZIzuiRaibTOKAVdO.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #ZIzuiRaibTOKAVdO.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #ZIzuiRaibTOKAVdO.ctaAlignment .cta-column.flex-container { display: block !important; } #ZIzuiRaibTOKAVdO.ctaAlignment .shmktpl-button { font-size: 16px; } #ZIzuiRaibTOKAVdO.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #ZIzuiRaibTOKAVdO.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #ZIzuiRaibTOKAVdO .sh-no-listing-msg { padding: 20px 0px; } #ZIzuiRaibTOKAVdO .sh-widget-footer-MBT { display: none; } #ZIzuiRaibTOKAVdO.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #ZIzuiRaibTOKAVdO.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #ZIzuiRaibTOKAVdO.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #ZIzuiRaibTOKAVdO .sh-widget-footer-QS { display: none; } #ZIzuiRaibTOKAVdO.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #ZIzuiRaibTOKAVdO.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #ZIzuiRaibTOKAVdO.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #ZIzuiRaibTOKAVdO.customizeColorEffect .listing-title, #ZIzuiRaibTOKAVdO.customizeColorEffect .prop-name, #ZIzuiRaibTOKAVdO.customizeColorEffect .prop-value, #ZIzuiRaibTOKAVdO.customizeColorEffect .curDate, #ZIzuiRaibTOKAVdO.customizeColorEffect span.current-date, #ZIzuiRaibTOKAVdO.customizeColorEffect .disclosure-content ul li, #ZIzuiRaibTOKAVdO.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #ZIzuiRaibTOKAVdO.customizeColorEffect .add-text, #ZIzuiRaibTOKAVdO.customizeColorEffect .see-more-text, #ZIzuiRaibTOKAVdO.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #ZIzuiRaibTOKAVdO.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #ZIzuiRaibTOKAVdO.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #ZIzuiRaibTOKAVdO.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #ZIzuiRaibTOKAVdO.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #ZIzuiRaibTOKAVdO.sizeone.customizeColorEffect .header-section, #ZIzuiRaibTOKAVdO.customizeColorEffect .row-2 { background: #E9F0EC; } #ZIzuiRaibTOKAVdO.customizeColorEffect .listing-title { display: unset; } #ZIzuiRaibTOKAVdO.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #ZIzuiRaibTOKAVdO.customizeColorEffect .listing-title .prod-name:hover, #ZIzuiRaibTOKAVdO.customizeColorEffect .listing-title:hover, #ZIzuiRaibTOKAVdO.customizeColorEffect .add-text:hover, #ZIzuiRaibTOKAVdO.customizeColorEffect .disclosure-contnr .text:hover, #ZIzuiRaibTOKAVdO.customizeColorEffect .see-more-text:hover { color: #EB0017; } #ZIzuiRaibTOKAVdO.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #ZIzuiRaibTOKAVdO.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #ZIzuiRaibTOKAVdO.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #ZIzuiRaibTOKAVdO.customizeColorEffect .listing-title { display: block; } #ZIzuiRaibTOKAVdO.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #ZIzuiRaibTOKAVdO.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #ZIzuiRaibTOKAVdO .sh-right-arrow { display: none; } #ZIzuiRaibTOKAVdO.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #ZIzuiRaibTOKAVdO .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #ZIzuiRaibTOKAVdO.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #ZIzuiRaibTOKAVdO.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #ZIzuiRaibTOKAVdO{position:relative;}.add-overlay-content{right: 4%;}#ZIzuiRaibTOKAVdO .shmktpl-button span.btn__text::after{display:none;} #ZIzuiRaibTOKAVdO .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #ZIzuiRaibTOKAVdO .shmktpl-button:hover{background:#0E86DE;} #ZIzuiRaibTOKAVdO .add-text:hover {color:#0E86DE;} #ZIzuiRaibTOKAVdO .listing-title .prod-name:hover{color:#0E86DE;} #ZIzuiRaibTOKAVdO .disclosure-contnr .text:hover{color:#0E86DE;} #ZIzuiRaibTOKAVdO .see-more-text{width:68px} #ZIzuiRaibTOKAVdO .see-more-text:hover{color:#0E86DE;} #ZIzuiRaibTOKAVdO .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has been unsettled for some time, with persistent inflation making an impact. Gold can serve as a hedge against inflation in your portfolio. Thanks to various ways to buy, gold is accessible to investors of all experience levels. Whether using a gold IRA or a more active investment approach, gold can help achieve both short- and long-term goals.Frequently asked questionsWhat is the best way to own gold?Many investors opt for gold ETFs, which provide a managed basket of easily traded assets.Is gold a good investment?Gold is often chosen by those wanting to diversify and hedge against inflation. There are many straightforward ways to invest in gold.Should I buy gold coins or gold bars?Gold coins are collectibles and may command a higher price per ounce than bars. Their collectible and historical value can make them appealing. U.S. minted coins may also help protect against counterfeit bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.
Ally Bank review 2025: Refreshingly few fees for a full-service bank
There’s a new generation of banking—and it hardly resembles the way your mom and dad used to do it. Bringing both pros and cons, fully digital banks are replacing the in-person experience for many. Ally Bank is one such popular financial institution.Headquartered in Detroit, Ally Bank offers a range of financial products and services, from checking accounts to credit cards. A benefit of fully online banks such as Ally is that overhead is typically low. This means Ally can offer high-yield savings accounts and certificates of deposit with generous APYs.Let’s examine Ally Bank to help you decide if it’s a good choice for your financial needs.Rates are current as of Nov 24, 2025 and are subject to change.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67Ally Bank at a glanceAlly BankChecking accountsNo minimum requirements or maintenance feesSavings accountsUp to 3.50% APY with no minimum requirementsMoney market accountsUp to 3.50% APY with no minimum requirementsCertificate of deposit ratesUp to 3.90% APY with no minimum required depositView offerat MoneyLionCompany insightsYear Founded: 1919Company Headquarters: Detroit, MichiganCEO: Michael RhodesFortune Rankings#255on the 2025 100 Best Companies to Work For Ranking.#160on Fortune’s 2025 America’s Most Innovative Companies Ranking.#18on Fortune’s 2024 Best Large Workplaces in Financial Services and Insurance list.#40on Fortune’s 2024 Sector Leaders: Financials list.View offerat MoneyLionN/AProsAPYs higher than the national averageTransparent pricing with no account balance minimumsAbove-average savings account withdrawal limitConsHigher APYs may be available from some other online banksNo physical branches$20 fee for outgoing domestic wiresWho is Ally Bank good for?Ally Bank provides for the majority of your banking needs, offering everything from investment and retirement products to credit cards and auto loans. Ally is a full-service bank that may be good for someone seeking a full-service bank to keep all (or most) of their accounts at the same financial institution.It’s also helpful for those who are looking for simple no-fee account options with high return rates.Who shouldn’t use Ally Bank?Again, Ally is an online-only bank. It has no physical branches or the ability to make cash deposits. If your ideal banking method is in-person (or if you’d simply like the option, just in case), Ally may not be up your alley. That said, it does offer access to over 75,000 free ATMs and 24/7 customer service by phone. You can also chat customer service through Ally’s website.Additionally, Ally doesn’t offer mortgages or personal loans. Its personal lending arm was acquired by Synchrony in 2024. If you need either of these, look elsewhere.Ally Bank rates and productsAlly offers a multitude of deposit accounts, including checking accounts, savings accounts, MMAs, and CDs of varying lengths. Most return rates are solid, though its checking account APY is nothing to write home about. Check out the overview of Ally Bank’s rates and then dive deeper into each product below.Ally Bank productAPYChecking accountsUp to 0.25%Savings accounts3.30%MMAs3.30%CDsUp to 3.90%Checking accountsAPYUp to 0.25%Savings accountsAPY3.30%MMAsAPY3.30%CDsAPYUp to 3.90%Bank details checked Nov. 24, 2025Checking accountsAlly calls its free checking account a “Spending Account.” While there are no service fees or account minimums, the amount of interest you can earn will depend on the size of your balance. Checking accounts with less than $15,000 earn 0.10% APY, while accounts with $15,000 or more earn 0.25%.The account offers a debit card with access to a network of over 75,000 free ATMs and reimbursements of up to $10 per statement cycle for fees charged at other ATMs nationwide.Ally Bank checking account featuresMinimum opening deposit$0Monthly fees$0Overdraft fee$0Top APY0.25%Free checksYesMobile depositYesTypes of checking accounts availableSpending AccountBank details checked Nov. 24, 2025SponsoredAdvertiser DisclosureAdvertiser DisclosureCompare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare /* Loader */ #bCuaPcgPvUcEbzVJ .spinner { display: none; } #bCuaPcgPvUcEbzVJ.listingsLoading .spinner { display: block; } #bCuaPcgPvUcEbzVJ.listingsLoading .widget-render-result { display: none; } #bCuaPcgPvUcEbzVJ.listingsLoaded .widget-render-result { display: block; } #bCuaPcgPvUcEbzVJ.listingsLoaded .spinner { display: none; } #bCuaPcgPvUcEbzVJ.listingsLoading .search-result-container .spinner { display: block; } #bCuaPcgPvUcEbzVJ.listingsLoaded.listingsLoading .spinner { display: block; } #bCuaPcgPvUcEbzVJ .spinner { display: block; margin: 30px auto; width: 48px; height: 48px; } #bCuaPcgPvUcEbzVJ .spinner:after { content: " "; display: block; width: 32px; height: 32px; margin: 1px; border-radius: 50%; border: 10px solid #105485; border-color: transparent #105485 transparent #105485; -webkit-animation: lds-dual-ring 1.2s linear infinite; animation: lds-dual-ring 1.2s linear infinite; } @-webkit-keyframes lds-dual-ring { 0% { -webkit-transform: rotate(0deg); transform: rotate(0deg); } 100% { -webkit-transform: rotate(360deg); transform: rotate(360deg); } } @keyframes lds-dual-ring { 0% { -webkit-transform: rotate(0deg); transform: rotate(0deg); } 100% { -webkit-transform: rotate(360deg); transform: rotate(360deg); } } #bCuaPcgPvUcEbzVJ { font-family: Roboto,sans-serif; margin: 0; font-size: 14px; box-sizing: border-box; -webkit-user-select: none; -moz-user-select: none; -ms-user-select: none; user-select: none; -webkit-tap-highlight-color: transparent; padding: 0 32px; max-width: 1024px; margin: 0 auto; position: relative; } #bCuaPcgPvUcEbzVJ input.chk-btn { display: none; } #bCuaPcgPvUcEbzVJ input.chk-btn + label { border: 1px solid #1C96F0; background: #FFFFFF; padding: 5px 8px; cursor: pointer; border-radius: 5px; color: #1C96F0; padding: 10px 16px; font-size: 14px; } #bCuaPcgPvUcEbzVJ input.chk-btn:not(:checked) + label:hover { box-shadow: 0px 1px 3px; } #bCuaPcgPvUcEbzVJ input.chk-btn + label:active, #bCuaPcgPvUcEbzVJ input.chk-btn:checked + label { box-shadow: 0px 0px 3px inset; background: #1C96F0; color: #FFFFFF; } #bCuaPcgPvUcEbzVJ .filter-check-options-cntnr { display: flex; flex-flow: row wrap; width: 100%; align-items: center; justify-content: flex-start; margin-top: 24px; } #bCuaPcgPvUcEbzVJ .check-elem { display: flex; margin: 5px; } #bCuaPcgPvUcEbzVJ .check-elem.view-btn, #bCuaPcgPvUcEbzVJ .check-elem.view-less-btn { background: #E9F5FF; padding: 10px 20px; border-radius: 6px; color: #1C96F0; font-size: 14px; font-weight: bold; cursor: pointer; } #bCuaPcgPvUcEbzVJ .check-elem.view-btn { background: #E9F5FF; padding: 10px 20px; border-radius: 6px; color: #1C96F0; font-size: 14px; font-weight: bold; } #bCuaPcgPvUcEbzVJ .shmktpl-title { font-size: 42px; line-height: 51px; font-weight: 500; } #bCuaPcgPvUcEbzVJ .shmktpl-subtitle { font-size: 20px; color: #0A3B5F; line-height: 24px; } #bCuaPcgPvUcEbzVJ .sub-heading-container { display: flex; justify-content: space-between; margin-top: 10px; } #bCuaPcgPvUcEbzVJ .prod-desc-text { font-size: 12px; text-decoration: underline; color: #1C96F0; cursor: pointer; line-height: 16px; } #bCuaPcgPvUcEbzVJ .hide { display: none; } #bCuaPcgPvUcEbzVJ .overlay-background-blur { position: fixed; top: 0px; left: 0px; width: 100%; height: 100%; background: rgba(53, 49, 69, 0.4); z-index: 1; } #bCuaPcgPvUcEbzVJ .prod-desc-popup-content { top: 5%; margin-top: 20px; padding-bottom: 0; position: fixed; z-index: 1000; left: 0; right: 0; min-width: 600px; width: 80%; height: 90%; overflow-y: scroll; margin: auto; text-align: left; background-color: #fff; border: solid 1px #dcdcde; font-size: 12px; -webkit-box-shadow: -2px 2px 2px 0px rgba(220,220,222,0.75); -moz-box-shadow: -2px 2px 2px 0px rgba(220, 220, 222, 0.75); box-shadow: -2px 2px 2px 0px rgba(220, 220, 222, 0.75); -webkit-border-radius: .125rem; -moz-border-radius: .125rem; border-radius: .125rem; color: #000; line-height: 30px; box-shadow: 0px 0px 8px #0C1B2428; } #bCuaPcgPvUcEbzVJ .overlay-close-btn { background-image: url("data:image/svg+xml;base64,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"); height: 24px; width: 24px; right: 0; position: absolute; top: 12px; right: 12px; cursor: pointer; } #bCuaPcgPvUcEbzVJ .prod-desc-content-cntnr { font-size: 20px; color: #0A3C5F; } #bCuaPcgPvUcEbzVJ .prod-desc-content-cntnr .prod-desc-header { font-size: 20px; color: #0A3C5F; padding: 16px 25px; border-bottom: 1px solid #D0E0EE; } #bCuaPcgPvUcEbzVJ .product-list { display: flex; flex-flow: row wrap; } #bCuaPcgPvUcEbzVJ .item { flex: 1 1 calc(33.3% - 48px); align-items: unset; padding: 12px 24px; flex-flow: column; align-content: center; } #bCuaPcgPvUcEbzVJ .description { font-size: 12px; line-height: 18px; } #bCuaPcgPvUcEbzVJ .title { font-size: 12px; color: #0A3C5F; font-weight: bold; } #bCuaPcgPvUcEbzVJ .description-title { text-transform: uppercase; } .row-odd, .row-even { display: flex; margin-top: 12px; justify-content: space-between; } .desktop-bg { background: #E9F5FF; } .add-overlay-content { width: 400px; margin: auto; right: 3%; padding: 16px 24px; border: 2px solid #D0E0EE; border-radius: 6px; position: absolute; background: #eceef1; color: black; font-size: 12px; top: 50px; z-index: 5; } .disclosure-title { font-size: 20px; color: #0A3C5F; font-weight: normal; padding: 16px 0px; border-bottom: 1px solid #D0E0EE; } .filter-disclosure-content { font-size: 14px; color: #08283B; line-height: 22px; margin-top: 10px; max-height: 150px; overflow-y: scroll; padding-right: 10px; } .header-section { display: none; justify-content: space-between; padding: 26px 0px; border-bottom: 1px solid #D0E0EE; } .add-text { font-size: 12px; color: #1C96F0; text-decoration: underline; cursor: pointer; } .title-container { margin-top: 22px; } @media (max-width : 575px) { .filter-disclosure-content { max-height: 250px; } .add-overlay-content { width: 80%; } } #bCuaPcgPvUcEbzVJ input.chk-btn + label { padding: 10px 11px; } #bCuaPcgPvUcEbzVJ .check-elem { margin: 3px; } #bCuaPcgPvUcEbzVJ.minFilter .check-elem.annuity { display: none !important; } #bCuaPcgPvUcEbzVJ.minFilter .check-elem.businesschecking { display: none !important; } #bCuaPcgPvUcEbzVJ.minFilter .check-elem.view-btn { display: none; } #bCuaPcgPvUcEbzVJ.minFilter input.chk-btn + label { padding: 10px 11px; } #bCuaPcgPvUcEbzVJ .sh-msg { display: none; font-size: 20px; text-align: center; margin-top: 20px; } @media (max-width: 375px) { #bCuaPcgPvUcEbzVJ input.chk-btn + label { padding: 10px 8px; } #bCuaPcgPvUcEbzVJ.minFilter input.chk-btn + label { padding: 10px 8px; } } @media (max-width: 360px) { #bCuaPcgPvUcEbzVJ input.chk-btn + label { padding: 10px 3px; font-size: 12px; } #bCuaPcgPvUcEbzVJ.minFilter input.chk-btn + label { padding: 10px 4px; font-size: 12px; } } #bCuaPcgPvUcEbzVJ .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #bCuaPcgPvUcEbzVJ.loadingMessage .sh-loading-msg { display: block; } #bCuaPcgPvUcEbzVJ.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media (max-width: 650px){ #bCuaPcgPvUcEbzVJ .sh-loading-msg { font-size: 18px; } } #bCuaPcgPvUcEbzVJ .mobile { display: none; } #bCuaPcgPvUcEbzVJ .sh-hide { display: none; } #bCuaPcgPvUcEbzVJ .desktop { display: block; } #bCuaPcgPvUcEbzVJ .desktop-inline { display: inline-block; } #bCuaPcgPvUcEbzVJ .row-1, #bCuaPcgPvUcEbzVJ .row-2 { display: flex; } #bCuaPcgPvUcEbzVJ .row-1 { padding: 24px 23px 24px 24px; justify-content: space-between; } #bCuaPcgPvUcEbzVJ .row-2 { background: #F2F9FF 0% 0% no-repeat padding-box; width: 100%; } #bCuaPcgPvUcEbzVJ .row-2 .listing-description { padding: 24px 23px; width: 100%; } #bCuaPcgPvUcEbzVJ .logo-image-wrapper { margin: auto; width: 196px; } #bCuaPcgPvUcEbzVJ .logo-column { display: flex; align-items: center; } #bCuaPcgPvUcEbzVJ .logo-image-wrapper img { width: 100%; height: auto; } #bCuaPcgPvUcEbzVJ .ad-copy { margin-left: 24px; } #bCuaPcgPvUcEbzVJ .total-results { color: #0A3B5F; font-weight: bold; font-size: 14px; } #bCuaPcgPvUcEbzVJ .listing-description .disclosure-content { margin-top: 0px; } #bCuaPcgPvUcEbzVJ .logo-column.flex-container { flex: 0 0 20%; } #bCuaPcgPvUcEbzVJ .top-section-right { margin-left: 5px; } #bCuaPcgPvUcEbzVJ .ad-copy-column.flex-container { flex: 0 0 78%; } #bCuaPcgPvUcEbzVJ .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #bCuaPcgPvUcEbzVJ .ad-copy { margin-left: 24px; } #bCuaPcgPvUcEbzVJ .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #bCuaPcgPvUcEbzVJ .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #bCuaPcgPvUcEbzVJ .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #bCuaPcgPvUcEbzVJ .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #bCuaPcgPvUcEbzVJ .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #bCuaPcgPvUcEbzVJ .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #bCuaPcgPvUcEbzVJ .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; justify-self: end; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #bCuaPcgPvUcEbzVJ .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #bCuaPcgPvUcEbzVJ .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #bCuaPcgPvUcEbzVJ .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #bCuaPcgPvUcEbzVJ .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #bCuaPcgPvUcEbzVJ .disclosure-contnr { text-align: center; } #bCuaPcgPvUcEbzVJ .listing-header-cntnr { margin-top: 34px; } #bCuaPcgPvUcEbzVJ .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #bCuaPcgPvUcEbzVJ .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #bCuaPcgPvUcEbzVJ .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #bCuaPcgPvUcEbzVJ .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 10px; } #bCuaPcgPvUcEbzVJ .apy-label { font: normal normal 900 24px/28px Roboto; } #bCuaPcgPvUcEbzVJ .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #bCuaPcgPvUcEbzVJ .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #bCuaPcgPvUcEbzVJ .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #bCuaPcgPvUcEbzVJ .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #bCuaPcgPvUcEbzVJ .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #bCuaPcgPvUcEbzVJ .additional-content { margin-top: 0px !important; } #bCuaPcgPvUcEbzVJ .additional-content ul li { margin-bottom: 0; } #bCuaPcgPvUcEbzVJ .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #bCuaPcgPvUcEbzVJ .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #bCuaPcgPvUcEbzVJ .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #bCuaPcgPvUcEbzVJ .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #bCuaPcgPvUcEbzVJ .shArrow { width: 12px; height: 7px; } #bCuaPcgPvUcEbzVJ span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #bCuaPcgPvUcEbzVJ .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #bCuaPcgPvUcEbzVJ .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #bCuaPcgPvUcEbzVJ #see_more_carrier, #bCuaPcgPvUcEbzVJ .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #bCuaPcgPvUcEbzVJ .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #bCuaPcgPvUcEbzVJ .apy-label p { margin-top: 0px; margin-bottom: 0px; } #bCuaPcgPvUcEbzVJ .disclosure-content ul { padding-left: 18px; } @media (min-device-width : 651px) and (max-device-width : 1023px) { #bCuaPcgPvUcEbzVJ { padding: 0 26px; } #bCuaPcgPvUcEbzVJ .logo-image-wrapper { width: 136px; } #bCuaPcgPvUcEbzVJ .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #bCuaPcgPvUcEbzVJ .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #bCuaPcgPvUcEbzVJ .prop-value-container .apy-container { flex: 0 0 44%; } #bCuaPcgPvUcEbzVJ .prop-value-container .mfee-container, #bCuaPcgPvUcEbzVJ .prop-value-container .minvalue-container { flex: 0 0 28%; } #bCuaPcgPvUcEbzVJ .ad-copy-top-section { margin-bottom: 15px; } #bCuaPcgPvUcEbzVJ .sh-row-product-title { max-width: 136px; } #bCuaPcgPvUcEbzVJ .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #bCuaPcgPvUcEbzVJ .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #bCuaPcgPvUcEbzVJ .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #bCuaPcgPvUcEbzVJ .logo-image-wrapper { width: 100%; max-width: 292px; } #bCuaPcgPvUcEbzVJ .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #bCuaPcgPvUcEbzVJ .ad-copy { margin-left: 0; } #bCuaPcgPvUcEbzVJ .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #bCuaPcgPvUcEbzVJ .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #bCuaPcgPvUcEbzVJ .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #bCuaPcgPvUcEbzVJ .see-more-text { padding: 16px 15px; } #bCuaPcgPvUcEbzVJ .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #bCuaPcgPvUcEbzVJ .top-section-right { margin-left: 0px; } #bCuaPcgPvUcEbzVJ .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #bCuaPcgPvUcEbzVJ.sizeone .header-section { padding: 6px 10px; } } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .row-1 { padding-left: 14px; } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .ad-copy, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .ad-copy, #bCuaPcgPvUcEbzVJ.sh-box750.device-desktop .ad-copy, #bCuaPcgPvUcEbzVJ.sh-box800.device-desktop .ad-copy, #bCuaPcgPvUcEbzVJ.sh-box850.device-desktop .ad-copy, #bCuaPcgPvUcEbzVJ.sh-box900.device-desktop .ad-copy, #bCuaPcgPvUcEbzVJ.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .logo-image-wrapper, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .logo-image-wrapper, #bCuaPcgPvUcEbzVJ.sh-box750.device-desktop .logo-image-wrapper, #bCuaPcgPvUcEbzVJ.sh-box800.device-desktop .logo-image-wrapper, #bCuaPcgPvUcEbzVJ.sh-box850.device-desktop .logo-image-wrapper, #bCuaPcgPvUcEbzVJ.sh-box900.device-desktop .logo-image-wrapper, #bCuaPcgPvUcEbzVJ.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .listing-title, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .listing-title, #bCuaPcgPvUcEbzVJ.sh-box750.device-desktop .listing-title, #bCuaPcgPvUcEbzVJ.sh-box800.device-desktop .listing-title, #bCuaPcgPvUcEbzVJ.sh-box850.device-desktop .listing-title, #bCuaPcgPvUcEbzVJ.sh-box900.device-desktop .listing-title, #bCuaPcgPvUcEbzVJ.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .shmktpl-button, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .shmktpl-button, #bCuaPcgPvUcEbzVJ.sh-box750.device-desktop .shmktpl-button, #bCuaPcgPvUcEbzVJ.sh-box800.device-desktop .shmktpl-button, #bCuaPcgPvUcEbzVJ.sh-box850.device-desktop .shmktpl-button, #bCuaPcgPvUcEbzVJ.sh-box900.device-desktop .shmktpl-button, #bCuaPcgPvUcEbzVJ.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .prop-value-container .apy-container, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .prop-value-container .apy-container, #bCuaPcgPvUcEbzVJ.sh-box750.device-desktop .prop-value-container .apy-container, #bCuaPcgPvUcEbzVJ.sh-box800.device-desktop .prop-value-container .apy-container, #bCuaPcgPvUcEbzVJ.sh-box850.device-desktop .prop-value-container .apy-container, #bCuaPcgPvUcEbzVJ.sh-box900.device-desktop .prop-value-container .apy-container, #bCuaPcgPvUcEbzVJ.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .prop-value-container .mfee-container, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .prop-value-container .mfee-container, #bCuaPcgPvUcEbzVJ.sh-box750.device-desktop .prop-value-container .mfee-container, #bCuaPcgPvUcEbzVJ.sh-box800.device-desktop .prop-value-container .mfee-container, #bCuaPcgPvUcEbzVJ.sh-box850.device-desktop .prop-value-container .mfee-container, #bCuaPcgPvUcEbzVJ.sh-box900.device-desktop .prop-value-container .mfee-container, #bCuaPcgPvUcEbzVJ.sh-box950.device-desktop .prop-value-container .mfee-container #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .prop-value-container .minvalue-container, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .prop-value-container .minvalue-container, #bCuaPcgPvUcEbzVJ.sh-box750.device-desktop .prop-value-container .minvalue-container, #bCuaPcgPvUcEbzVJ.sh-box800.device-desktop .prop-value-container .minvalue-container, #bCuaPcgPvUcEbzVJ.sh-box850.device-desktop .prop-value-container .minvalue-container, #bCuaPcgPvUcEbzVJ.sh-box900.device-desktop .prop-value-container .minvalue-container, #bCuaPcgPvUcEbzVJ.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .sh-row-product-title, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .sh-row-product-title, #bCuaPcgPvUcEbzVJ.sh-box750.device-desktop .sh-row-product-title, #bCuaPcgPvUcEbzVJ.sh-box800.device-desktop .sh-row-product-title, #bCuaPcgPvUcEbzVJ.sh-box850.device-desktop .sh-row-product-title, #bCuaPcgPvUcEbzVJ.sh-box900.device-desktop .sh-row-product-title, #bCuaPcgPvUcEbzVJ.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .disclosure-content ul li, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .disclosure-content ul li, #bCuaPcgPvUcEbzVJ.sh-box750.device-desktop .disclosure-content ul li, #bCuaPcgPvUcEbzVJ.sh-box800.device-desktop .disclosure-content ul li, #bCuaPcgPvUcEbzVJ.sh-box850.device-desktop .disclosure-content ul li, #bCuaPcgPvUcEbzVJ.sh-box900.device-desktop .disclosure-content ul li, #bCuaPcgPvUcEbzVJ.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .ad-copy-top-section, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .ad-copy-top-section, #bCuaPcgPvUcEbzVJ.sh-box750.device-desktop .ad-copy-top-section, #bCuaPcgPvUcEbzVJ.sh-box800.device-desktop .ad-copy-top-section, #bCuaPcgPvUcEbzVJ.sh-box850.device-desktop .ad-copy-top-section, #bCuaPcgPvUcEbzVJ.sh-box900.device-desktop .ad-copy-top-section, #bCuaPcgPvUcEbzVJ.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width : 767.5px) { #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .row-1, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .row-1 , #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .row-2, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .row-2 , #bCuaPcgPvUcEbzVJ.sh-box500.device-desktop .row-1, #bCuaPcgPvUcEbzVJ.sh-box550.device-desktop .row-1 , #bCuaPcgPvUcEbzVJ.sh-box500.device-desktop .row-2, #bCuaPcgPvUcEbzVJ.sh-box550.device-desktop .row-2{ display: unset; } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .ad-copy, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .ad-copy, #bCuaPcgPvUcEbzVJ.sh-box550.device-desktop .ad-copy, #bCuaPcgPvUcEbzVJ.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .apy-label, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .apy-label, #bCuaPcgPvUcEbzVJ.sh-box550.device-desktop .apy-label, #bCuaPcgPvUcEbzVJ.sh-box500.device-desktop .apy-label, #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .prop-value, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .prop-value, #bCuaPcgPvUcEbzVJ.sh-box550.device-desktop .prop-value, #bCuaPcgPvUcEbzVJ.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .logo-image-wrapper, #bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .logo-image-wrapper, #bCuaPcgPvUcEbzVJ.sh-box550.device-desktop .logo-image-wrapper, #bCuaPcgPvUcEbzVJ.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #bCuaPcgPvUcEbzVJ.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#bCuaPcgPvUcEbzVJ.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#bCuaPcgPvUcEbzVJ.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#bCuaPcgPvUcEbzVJ.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #bCuaPcgPvUcEbzVJ .shmktpl-title, #bCuaPcgPvUcEbzVJ .sub-heading-container, #bCuaPcgPvUcEbzVJ .filter-check-options-cntnr, #bCuaPcgPvUcEbzVJ .listing-header-cntnr { display: none; } #bCuaPcgPvUcEbzVJ.title .shmktpl-title, #bCuaPcgPvUcEbzVJ.subHeading .sub-heading-container, #bCuaPcgPvUcEbzVJ.multiSelectFilter .filter-check-options-cntnr, #bCuaPcgPvUcEbzVJ.resultsText .listing-header-cntnr { display: flex; } #bCuaPcgPvUcEbzVJ.sizeone .add-overlay-content { width: 62%; height: auto; } #bCuaPcgPvUcEbzVJ.sizeone .disclosure-title { padding: 6px 0px; } #bCuaPcgPvUcEbzVJ.sizeone .header-section { padding: 6px 24px; background: #FFFFFF; color: grey; align-items: center; } #bCuaPcgPvUcEbzVJ .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #bCuaPcgPvUcEbzVJ.sizeone .title-container { margin-top: 0; } #bCuaPcgPvUcEbzVJ.sizeone .non_featured_list { margin-top: 0; } #bCuaPcgPvUcEbzVJ.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #bCuaPcgPvUcEbzVJ.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #bCuaPcgPvUcEbzVJ .item { flex: 1 1 calc(50% - 48px); } #bCuaPcgPvUcEbzVJ .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #bCuaPcgPvUcEbzVJ .item:nth-of-type(4n+3), #bCuaPcgPvUcEbzVJ .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #bCuaPcgPvUcEbzVJ .item:nth-of-type(4n+1), #bCuaPcgPvUcEbzVJ .item:nth-of-type(4n+1) + * { background-color: #fff; } #bCuaPcgPvUcEbzVJ .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #bCuaPcgPvUcEbzVJ .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #bCuaPcgPvUcEbzVJ .desktop, #bCuaPcgPvUcEbzVJ .desktop-inline { display: none; } #bCuaPcgPvUcEbzVJ .mobile { display: block !important; } #bCuaPcgPvUcEbzVJ { padding: 0 18px; } #bCuaPcgPvUcEbzVJ .shmktpl-title { font-size: 24px; line-height: 29px; } #bCuaPcgPvUcEbzVJ .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #bCuaPcgPvUcEbzVJ .add-overlay-content { width: 80%; height: auto; } #bCuaPcgPvUcEbzVJ .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #bCuaPcgPvUcEbzVJ .row-1 { flex-flow: column; padding: 16px; } #bCuaPcgPvUcEbzVJ .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #bCuaPcgPvUcEbzVJ .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #bCuaPcgPvUcEbzVJ .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #bCuaPcgPvUcEbzVJ .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #bCuaPcgPvUcEbzVJ .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #bCuaPcgPvUcEbzVJ .prop-value { margin-top: 0; } #bCuaPcgPvUcEbzVJ .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #bCuaPcgPvUcEbzVJ .non_featured_list { margin-top: 18px; } #bCuaPcgPvUcEbzVJ .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #bCuaPcgPvUcEbzVJ .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #bCuaPcgPvUcEbzVJ .item:nth-child(3n), #bCuaPcgPvUcEbzVJ .desktop-bg { background: none; } #bCuaPcgPvUcEbzVJ .prod-desc-popup-content { padding: 0; } #bCuaPcgPvUcEbzVJ .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #bCuaPcgPvUcEbzVJ .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #bCuaPcgPvUcEbzVJ .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #bCuaPcgPvUcEbzVJ .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #bCuaPcgPvUcEbzVJ .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #bCuaPcgPvUcEbzVJ .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #bCuaPcgPvUcEbzVJ .disclosure-content ul { padding-left: 14px; line-height: 28px; } #bCuaPcgPvUcEbzVJ .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #bCuaPcgPvUcEbzVJ .additional-features { flex: 0 0 100%; } #bCuaPcgPvUcEbzVJ .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #bCuaPcgPvUcEbzVJ.sizeone .listing-header-cntnr { display: none; } #bCuaPcgPvUcEbzVJ.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #bCuaPcgPvUcEbzVJ .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #bCuaPcgPvUcEbzVJ .prod-desc-popup-content { position: fixed; } } #bCuaPcgPvUcEbzVJ.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #bCuaPcgPvUcEbzVJ.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #bCuaPcgPvUcEbzVJ.listingAlignment .logo-image-wrapper img { width: 100%; } #bCuaPcgPvUcEbzVJ.listingAlignment { padding: 0px; } #bCuaPcgPvUcEbzVJ.listingAlignment .listing-title { font-size: 14px; } #bCuaPcgPvUcEbzVJ.listingAlignment .listing-title span { font-size: 14px; } #bCuaPcgPvUcEbzVJ.listingAlignment .row-1 { padding: 26px 10px; } #bCuaPcgPvUcEbzVJ.listingAlignment .prop-name { font-size: 10px; } #bCuaPcgPvUcEbzVJ.listingAlignment .prop-value { font-size: 14px } #bCuaPcgPvUcEbzVJ.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #bCuaPcgPvUcEbzVJ.listingAlignment .logo-column.flex-container { flex: unset; } #bCuaPcgPvUcEbzVJ.listingAlignment .prop-conatiner { flex: unset; } #bCuaPcgPvUcEbzVJ.listingAlignment .ad-copy-column.flex-container { flex: unset; } #bCuaPcgPvUcEbzVJ.listingAlignment .cta-column.flex-container { flex: unset; } #bCuaPcgPvUcEbzVJ.listingAlignment .disclosure-content ul li::before { content: unset; } #bCuaPcgPvUcEbzVJ.listingAlignment .disclosure-content ul li { list-style: disc; } } #bCuaPcgPvUcEbzVJ.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #bCuaPcgPvUcEbzVJ.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #bCuaPcgPvUcEbzVJ.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #bCuaPcgPvUcEbzVJ.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #bCuaPcgPvUcEbzVJ.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #bCuaPcgPvUcEbzVJ.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #bCuaPcgPvUcEbzVJ.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #bCuaPcgPvUcEbzVJ.ctaAlignment .cta-column.flex-container { display: block !important; } #bCuaPcgPvUcEbzVJ.ctaAlignment .shmktpl-button { font-size: 16px; } #bCuaPcgPvUcEbzVJ.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #bCuaPcgPvUcEbzVJ.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #bCuaPcgPvUcEbzVJ .sh-no-listing-msg { padding: 20px 0px; } #bCuaPcgPvUcEbzVJ .sh-widget-footer-MBT { display: none; } #bCuaPcgPvUcEbzVJ.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #bCuaPcgPvUcEbzVJ.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #bCuaPcgPvUcEbzVJ.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #bCuaPcgPvUcEbzVJ .sh-widget-footer-QS { display: none; } #bCuaPcgPvUcEbzVJ.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #bCuaPcgPvUcEbzVJ.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #bCuaPcgPvUcEbzVJ.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; min-width: 440px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; min-width: 440px !important; } } } #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon { min-width: 440px; height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #2c93e4; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 12px; } #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #1d70b1; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #2c93e4; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 10px; } } @media (max-width : 767px) { #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; height: 100% !important; min-width: 100% !important; padding: 8px 9px; margin-bottom: 8px; } #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 12px; } #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #546F8E; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; min-width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #bCuaPcgPvUcEbzVJ .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; min-width: 100% !important; } } } } #bCuaPcgPvUcEbzVJ.customizeColorEffect .listing-title, #bCuaPcgPvUcEbzVJ.customizeColorEffect .prop-name, #bCuaPcgPvUcEbzVJ.customizeColorEffect .prop-value, #bCuaPcgPvUcEbzVJ.customizeColorEffect .curDate, #bCuaPcgPvUcEbzVJ.customizeColorEffect span.current-date, #bCuaPcgPvUcEbzVJ.customizeColorEffect .disclosure-content ul li, #bCuaPcgPvUcEbzVJ.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #bCuaPcgPvUcEbzVJ.customizeColorEffect .add-text, #bCuaPcgPvUcEbzVJ.customizeColorEffect .see-more-text, #bCuaPcgPvUcEbzVJ.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #bCuaPcgPvUcEbzVJ.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #bCuaPcgPvUcEbzVJ.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #bCuaPcgPvUcEbzVJ.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #bCuaPcgPvUcEbzVJ.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #bCuaPcgPvUcEbzVJ.sizeone.customizeColorEffect .header-section, #bCuaPcgPvUcEbzVJ.customizeColorEffect .row-2 { background: #E9F0EC; } #bCuaPcgPvUcEbzVJ.customizeColorEffect .listing-title { display: unset; } #bCuaPcgPvUcEbzVJ.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #bCuaPcgPvUcEbzVJ.customizeColorEffect .listing-title .prod-name:hover, #bCuaPcgPvUcEbzVJ.customizeColorEffect .listing-title:hover, #bCuaPcgPvUcEbzVJ.customizeColorEffect .add-text:hover, #bCuaPcgPvUcEbzVJ.customizeColorEffect .disclosure-contnr .text:hover, #bCuaPcgPvUcEbzVJ.customizeColorEffect .see-more-text:hover { color: #EB0017; } #bCuaPcgPvUcEbzVJ.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #bCuaPcgPvUcEbzVJ.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #bCuaPcgPvUcEbzVJ.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #bCuaPcgPvUcEbzVJ.customizeColorEffect .listing-title { display: block; } #bCuaPcgPvUcEbzVJ.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #bCuaPcgPvUcEbzVJ.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #bCuaPcgPvUcEbzVJ .sh-right-arrow { display: none; } #bCuaPcgPvUcEbzVJ.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #bCuaPcgPvUcEbzVJ.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #bCuaPcgPvUcEbzVJ .listing-content-wrapper .disclosure-content a { color: #1C96F0; text-decoration: underline; } #bCuaPcgPvUcEbzVJ .add-overlay-content {right: 4%;top: 0%;}#bCuaPcgPvUcEbzVJ .shmktpl-button span.btn__text::after{display:none;} @media (min-width:768px){ #bCuaPcgPvUcEbzVJ .shmktpl-button:hover{background:#0E86DE;} #bCuaPcgPvUcEbzVJ .add-text:hover {color:#0E86DE;} #bCuaPcgPvUcEbzVJ .listing-title .prod-name:hover{color:#0E86DE;} #bCuaPcgPvUcEbzVJ .disclosure-contnr .text:hover{color:#0E86DE;} #bCuaPcgPvUcEbzVJ .see-more-text{width:68px} #bCuaPcgPvUcEbzVJ .see-more-text:hover{color:#0E86DE;} #bCuaPcgPvUcEbzVJ .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer174 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer174 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer174 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer174 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer174 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer174 .listing:first-child { margin-top: 0; } #qsWidgetContainer174 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer174 .logo-column.flex-container, #qsWidgetContainer174 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer174 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer174 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer174 .apy-label, #qsWidgetContainer174 .curDate, #qsWidgetContainer174 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer174 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer174 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer174 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer174 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer174 .prop-value-container { align-items: stretch; } #qsWidgetContainer174 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer174 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer174 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer174 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer174 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer174 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer174 #sh-star-icon { top: -2px; } #qsWidgetContainer174 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer174 #see_more_carrier, #qsWidgetContainer174 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer174 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer174 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer174 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer174 .shmktpl-sponsored, #qsWidgetContainer174 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer174 .sh-logo { flex-shrink: 1; } #qsWidgetContainer174 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer174 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer174 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer174 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer174 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer174 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer174 .sh-first-product .sh-btn__text, #qsWidgetContainer174 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer174 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer174 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Savings accountsAlly Bank offers a high-yield savings account with a respectable APY. Ally’s savings account doesn’t enforce a required minimum balance, monthly maintenance fee, or overdraft fees. It’s great for those looking to escape the nickel-and-dime game that some banks play.Ally Bank savings account featuresMinimum opening deposit$0Monthly fees$0Top APY3.30%Minimum balance to earn interest$0Types of savings accounts availableSavings AccountMonthly withdrawal limit10Bank details checked Nov. 24, 2025Money market accountsAlly’s Money market account (MMAs) gives you the benefits of both a checking and high-yield savings account. You’ll receive check-writing privileges and a debit card that allows you to access your money from over 75,000 fee-free ATMs—again, with up to $10 in monthly reimbursements for out-of-network ATMs—along with the added benefit of 3.50% APY.Keeping with Ally’s fee-averse theme, you won’t be charged maintenance fees or overdraft fees.Ally Bank MMA featuresMinimum opening deposit$0Monthly fees$0Top APY3.30%Minimum balance to earn interest$0Monthly withdrawal limit10Bank details checked Nov. 24, 2025Certificates of depositAlly Bank offers a total of 10 CD terms, from three months to five years. You’ll earn up to 3.90% APY, depending on the term you choose. To boot, Ally offers a 0.05% increase to CDs that are renewed with Ally. There is no minimum deposit required to open a CD.Ally offers three kinds of CDs: standard (named “High Yield”), bump-up (named “Raise Your Rate”), and flexible (named “No Penalty”). All these options are available as an IRA CD, as well.Ally’s Raise Your Rate CD allows you to increase your rate once over a two-year term or twice over a two-year term. And with all but the No Penalty option, you can expect early withdrawal fees that equal between 30 and 150 days’ interest, depending on your term length.Ally Bank CD featuresMinimum opening deposit$0Available term lengths3, 6, 9, 11, 12, 18, 24, 36, 48, 60 monthsTop APY3.90%Grace period10 daysEarly withdrawal fee– Terms less than 3 months: 30 days interest– Terms between 3 and 24 months: 60 days interest– Terms between 25 and 36 months: 90 days interest– Terms between 37 and 48 months: 120 days interest– Terms of 49 months or longer: 150 days interestBank details checked Nov. 24, 2025Ally Bank standard CD ratesTerm lengthAPY3 months3.00%6 months3.90%9 months3.90%12 months3.85%18 months3.65%36 months3.50%60 months3.50%3 monthsAPY3.00%6 monthsAPY3.90%9 monthsAPY3.90%12 monthsAPY3.85%18 monthsAPY3.65%36 monthsAPY3.50%60 monthsAPY3.50%Bank details checked Nov. 24, 2025Ally Bank Raise Your Rate CD ratesTerm lengthAPY2 years3.50%4 years3.50%2 yearsAPY3.50%4 yearsAPY3.50%Bank details checked Nov. 24 2025Ally Bank No Penalty CD ratesTerm lengthAPY11 months3.20%11 monthsAPY3.20%APYBank details checked Nov. 24, 2025ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.READ BANK REVIEW12345...160Other services Ally Bank offersIn addition to traditional deposit accounts, Ally Bank offers a range of other financial products, including credit cards, investment accounts, and auto loans. Here’s what to expect:Credit cards:Ally offers four Mastercard credit cards, three with cash back. You’ll earn up to 3% cash back for select purchases, depending on the card you open.Investments:Ally Bank helps you to invest in things like EFTs and margin accountsRetirement accounts:You can open a traditional or Roth IRA with Ally Bank.Auto loans:Ally Bank offers auto loans and auto refinancing options for both personal and business vehicles. It also offers auto refinancing options and lease buyouts.The Ally Bank platform and customer supportAs Ally Bank has no brick-and mortar locations, its digital platform provides a full banking experience and lets you deposit mobile checks as well as send or receive money entirely online.It also maintains robust customer service via phone, email, and app. You can call Ally 24/7 at 877-247-2559. You can also initiate an online chat through Ally’s contact page. Ally Bank even includes wait times for each communication option.Is Ally Bank secure?Ally Bank follows common security measures to keep your information safe, including encryption technology, multi-factor authentication, and account monitoring.Ally is FDIC insured up to $250,000 per person, per ownership category.Ally Bank user reviewsIt’s worth noting that the customers most motivated to review a company are the dissatisfied ones.That said, user reviews have not been kind to Ally Bank. Reviewers on ConsumerAffairs leave an average 1 out of 5 star rating with more than 1,600 reviews. Reviewers have complained about difficulties in account setup, unexpected account closures, and even website errors causing late fees.Reddit reviews are more friendly toward Ally, with some users saying they recommend the bank and have remained decade-long customers.Compare Ally Bank alternativesAlly BankDiscover BankAmerican ExpressChecking account top APYChecking account top APYChecking account top APY0.25%Not interest bearing (but debit card that earns up to 1% back on purchases)1.00%Savings account top APYSavings account top APYSavings account top APY3.30%3.40%3.50%MMA top APYMMA top APYMMA top APY3.30%N/AN/ACD top APYCD top APYCD top APY3.90%Up to 4.05%4.00%Checking account monthly feeChecking account monthly feeChecking account monthly fee$0$0$0Learn moreLearn moreLearn moreView offerat MoneyLionView offerat Discover BankView offerat MoneyLionBank details checked Nov. 24, 2025Note that Capital One acquired Discover in 2025 but as of this writing, the two brands maintain a distinct suite of products.Want to learn more?Check out our full review of Discover Bank and Capital One.Is Ally Bank right for you?Ally Bank is a solid online bank with low fees that makes it easy to manage your money from anywhere. It offers competitive rates on its savings products, and it offers other products like credit cards, investment accounts, and auto loans.For these reasons, Ally is helpful for those needing a full-service bank that offers high-yield savings accounts without any minimums or maintenance fees.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Frequently asked questionsIs Ally Bank a legit bank?Ally Bank is an online-only bank but it is a legitimate, FDIC-insured bank. Where can I deposit cash into Ally Bank?Ally does not accept cash deposits, but customers can still deposit checks via mobile app, online transfers, direct deposit, wire transfers, or mail.How do I withdraw money from Ally Bank? You can withdraw funds from your Ally bank account by using any of the 75,000 ATMs in the U.S. for free.Is Ally Bank a good bank?Despite what some disgruntled online reviews may say, Ally is regarded as one of the best and most reputable online banks available. It offers free checking and savings accounts without any minimum balance requirements. Its online portal is intuitive and easy to use.What are the advantages of Ally Bank?Ally Bank is known for having very few fees and no account balance minimums. It offers solid return rates on its savings products, and it’s got a robust yet easy-to-use online portal to manage your money.What are the disadvantages of Ally Bank?Ally Bank is an online-only bank without any physical branches or the ability to make cash deposits. If you want physical locations to easily deposit cash, then it’s probably best to go with a traditional brick-and-mortar bank instead.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Invest in CDs now to get up to 4.18% APY. Here are the best CD rates for Nov. 27, 2025
It’s still possible to earn a decent return on a certificate of deposit, but you need to act soon. Average CD yields declined significantly in 2024 as the Federal Reserve reduced interest rates—and while they remained relatively stable in the first part of 2025 as the central bank held off on making more rate changes, the Fed made its first rate reduction of the year in September, and another in October.The highest CD rates on the market offer up to 4.18% annual percentage yield. By funding a certificate now, you could secure these high rates for years, depending on the choice of a CD term that best suits your goals. And, with the potential for one more Fed rate cut this year, there’s no time to lose.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.READ BANK REVIEW12345...160The best CD rates on November 27, 2025: Earn up to 4.18%The highest CD rate of 4.18% is offered by Citibank on its three-month CD, according to financial data and analytics company Curinos.Fortunemonitors the top rates offered by leading U.S. financial institutions, in partnership with Curinos, to help our readers obtain the best possible return on their CD investments.Note that the rates Citi offers on its CDs depend on your zip code. For that reason, some savers may wish to look at runners up MYSB Direct or Bread Savings as alternatives.Here are the best available CD rates:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with the banks listed in the table above, there’s a good reason. The big banks depend less on certificates of deposit to build their capital base than smaller financial institutions. That means they see less need to compete by offering the highest rates.Established banks like Chase, PNC, and U.S. Bank acquire customers via business lines like loans and credit cards. As a result, CD interest rates offered by these banks are often lower compared to those available at smaller regional banks or online institutions. Securing a competitive rate at big banks may require opening additional deposit accounts or meeting higher minimum deposit requirements.CD rates news 2025Seasoned investors know that CD market rates closely track the monetary policy decisions of the Federal Reserve, particularly changes in the fed funds rate. Anyone who wants to invest in CD should learn to keep an eye on central bank policy changes in order to understand shifts in CD yields.The Federal Open Market Committee (FOMC) left the federal funds rate unchanged from January through August of 2025. Then, at its Sept. 16-17 meeting, the FOMC announced a quarter percentage point reduction, bringing the federal funds rate to 4.00%-4.25%. The fed funds rate currently stands at 3.75%-4.00% after a cut at the central bank’s October meeting.There’s one more FOMC meeting scheduled for this year, on Dec. 9-10.In 2024, the Fed cut rates three times—the last rate cut was at the December FOMC meeting—leaving rates in a range of 4.25%-4.50%. These changes came in response to cooling U.S. inflation, and the Fed aimed to support the U.S. economy with cheaper lending. This is why CD rates came off their previous two-decade highs last year.Those historically high CD yields were driven by aggressive Fed interest rate hikes in 2022 and 2023. Between March 2022 and July 2023, the FOMC hiked rates 11 times, from zero up to a range of 5.25%-5.50%. The Fed’s higher rates were an attempt to cool off the hottest inflation readings since the 1980s, which were themselves the result of economic disruptions from the pandemic.It’s worth noting that current CD rates aren’t far off their recent peaks. Investors still have the opportunity to secure competitive rates on both short-term and long-term CDs. By depositing a larger lump sum into your CD account, you can generate considerable interest earnings.Historical CD ratesIn the early 1980s, CD rates soared into the double digits, a sharp contrast to lower yields in 2025. By 2019, however, the APY for a five-year CD was only a hair above 3.00%.Throughout the early 2020s, rates soared over 5.00% as the economy worked its way through the Covid-19 pandemic. Five years later, we are seeing CD rates stabilize in the 3.00%-4.00% range.How to get a good CD rateDetermining what qualifies as a “good” CD rate involves striking the right balance between high rates and your appetite for locking up money for a long period of time. Say you’re looking at a 5-year certificate yielding 5.00% APY. You should only pull the trigger if you’re sure you won’t need the funds sooner and you don’t think interest will increase.Key factors to evaluate when comparing CDs include:Term length:Ensure it aligns with your savings objectives and time frame.APY:Typically, higher rates are offered for longer terms.Minimum deposit:Confirm that you can meet the required initial balance.Penalties:Understand the costs associated with early withdrawal before maturity.Deposit insurance:Verify that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)insured to keep your money secure.Online banks typically advertise the highest CD yields, just make sure you understand the minimum balance requirements and any associated fees. Opting for a bank rather than a broker can sometimes help avoid unnecessary charges.Look into offerings from online banksFintech firms and online banks generally offer more competitive rates than national banks. Large financial institutions generate revenue from interest on loans, fees, and investments in securities.In contrast, smaller banks and online fintech companies attract customers with competitive APYs on deposit accounts. Additionally, online banks have lower overhead costs, which lets them pay better rates on deposits.Set up a CD ladderCD ladders are ideal for savers who prefer not to tie up funds for long periods. By spreading savings across CDs with varying maturity dates, you can enjoy both short-term access and higher long-term interest rates.For example, start by investing $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD reaches maturity, reinvest the funds into a new 3-year CD. This strategy provides yearly access to your money along with the accumulated interest.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.READ BANK REVIEW12345...160Understand the different kinds of CDsThere are several types of CDs available to cater to different financial needs:Brokered CDsare purchased and sold through brokerage accounts rather than directly from banks or credit unions. They often provide higher APYs since they are issued by banks and then sold to brokerages.Callable CDsinclude a feature that allows the issuing institution to terminate the CD before its maturity date. Investors receive their principal and any accrued interest up to the call date if this option is exercised.Bump-up CDsallow you to request a higher APY if interest rates increase after opening the account. Typically, you can adjust the rate once or twice during the CD’s term.No-penalty CDsdo not charge penalties for early withdrawals before maturity. This type is less common and may offer lower APYs compared to traditional CDs.Jumbo CDsrequire a substantial minimum deposit, often starting at $100,000 or more. They generally offer higher APYs than standard CDs.Variable-rate CDshave an APY that changes in response to prevailing interest rates. These CDs carry more risk than traditional CDs because a decrease in interest rates before maturity can result in a lower yield.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current price of gold as of December 2, 2025
Gold was trading at $4,224 per ounce at 9:20 a.m. Eastern Time on December 2, 2025. This is a $25 fall from yesterday at the same hour and $1,581 higher than a year ago.Gold price per ounce% ChangePrice of gold yesterday$4,249+0.59%Price of gold 1 month ago$3,889-7.93%Price of gold 1 year ago$2,643-37.43%Price of gold yesterdayGold price per ounce$4,249% Change+0.59%Price of gold 1 month agoGold price per ounce$3,889% Change-7.93%Price of gold 1 year agoGold price per ounce$2,643% Change-37.43%For investors wanting an asset less affected by inflation, gold may be a wise choice. Historically, Gold is an asset that appreciates over time. Rather than collecting the actual physical gold manifestations, many people use a gold IRA, which also offers the convenience of not having to store physical gold, which can come with its own cost. Regardless of how you purchase gold, it can help serve as a steady part of a portfolio during market volatility.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical gold price chartGold isn’t a guaranteed answer in every financial environment. In a strong economy, stocks can deliver better returns both in the short and long term. From 1971 to 2024, traditional stocks averaged 10.7% annual returns, while gold averaged 7.9%.Still, gold is a reliable, risk-averse asset during economic uncertainty. That’s why some investors see it more as a store of value instead of a typical investment like stocks or bonds.What does “spot gold” mean?The spot price is the current rate for buying or selling gold immediately in over-the-counter trades. This helps investors track gold demand and market trends. A higher spot price means stronger demand. Unlike futures, the spot price is for immediate settlement.When the price for future delivery is above the spot price, it’s called contango, which is common for commodities with storage costs. If the futures price is lower, it’s called backwardation.Many factors can cause the spot price to fluctuate. Investors should be prepared for this volatility.What is price spread in gold trading?The price spread is the gap between the buying and selling price of an asset.In gold trading, the ask price is the cost to buy, and the bid price is what you’d get for selling. The bid is always less than the ask.A smaller spread means a more liquid market. Tight spreads typically indicate higher gold demand.How to invest in goldIf you picture gold investing as a suitcase filled with gold bars, that’s only part of the story. While buying physical bars, coins, or jewelry is an option, most gold trading happens via exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, says, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Popular ways to invest in gold include:Gold bars and rounds:Also known as bullion, sold by weight, with purity and manufacturer details marked.Gold coins:Collectible coins like the American Gold Eagle, often priced higher than bars due to rarity.Gold jewelry:Priced above gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a future date, allowing speculation without handling the metal.Gold funds:Mutual funds or ETFs invested in gold, with values tied to the underlying assets.Is it a good time to invest in gold?Deciding if now is the right time to invest in gold is subjective. However, gold can help diversify your portfolio and reduce market risk.Gold remains a stable asset amid market volatility. Prices have reached record highs, up more than 25% since early 2025, driven by inflation and uncertainty. Many experts recommend adding gold for diversification.Current precious metals pricesas of 9:20 a.m. ET on December 2, 2025Precious MetalPrice per ounceGold$4,224Silver$58Platinum$1,642Palladium$1,443GoldPrice per ounce$4,224SilverPrice per ounce$58PlatinumPrice per ounce$1,642PalladiumPrice per ounce$1,443Silver, platinum, and palladium are also common portfolio additions. Gold is typically less volatile than silver, which can see major price swings within a day. Silver’s use in industry makes it more responsive to economic trends.Platinum and palladium behave similarly to silver. These rare metals can diversify a portfolio but are usually more volatile than gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has been unsettled for years, with persistent inflation making an impact. Gold can serve as an inflation hedge in your portfolio. With multiple ways to buy, gold is accessible to most investors. Whether through a gold IRA or a more active investment approach, gold can help achieve both short- and long-term goals.Frequently asked questionsWhat is the best way to own gold?Many investors choose gold ETFs, which provide a managed, easily traded basket of assets.Is gold a good investment?Gold is a popular choice for those seeking diversification and inflation protection. There are many straightforward ways to invest.Should I buy gold coins or gold bars?Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historical value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current mortgage rates report for Dec. 1, 2025
The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.144%, according to data available from mortgage data company Optimal Blue. That’s down approximately 5 basis points from the prior day’s report, and down approximately 10 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.144%One week ago6.244%One month ago6.156%30-year jumboCurrent rate6.437%One week ago6.434%One month ago6.442%30-year FHACurrent rate5.990%One week ago6.102%One month ago5.968%30-year VACurrent rate5.764%One week ago5.853%One month ago5.720%30-year USDACurrent rate5.975%One week ago6.079%One month ago5.798%15-year conventionalCurrent rate5.443%One week ago5.508%One month ago5.341%Note thatFortunereviewed Optimal Blue’s latest available data on Nov. 27, with the numbers reflecting home loans locked in as of Nov. 26. What’s happening with mortgage rates in the market?If it feels like 30-year mortgage rates have been stuck near 7% forever, that’s not far from the truth. Many observers were hoping that rates would soften when the Federal Reserve started cutting the federal funds rate in September 2024, but that didn’t happen. There was a brief dip preceding that meeting, but rates shot back up afterward.In fact, by January 2025 the average rate on a 30-year, fixed-rate mortgage topped 7% for the first time since last May, according to Freddie Mac data. That’s a far cry from the historic average low of 2.65% we saw in January 2021, when the government was still trying to stimulate the economy and stave off a pandemic-induced recession. Barring another massive catastrophe, experts agree we won’t see rates in the 2% to 3% range in our lifetimes. And right now, with President Donald Trump pursuing policies such as tariffs and deportations, some observers have feared the labor market could tighten and inflation could reignite. Against that backdrop, U.S. homebuyers have been stuck with high mortgage rates—though some found ways to make their purchase more affordable, such as negotiating rate buydowns with a builder when purchasing newly constructed housing.But, homebuyers (and homeowners considering refinancing) finally got some relief starting in late August and early September of 2025. Leading up to the Fed’s Sept. 16-17 meeting, mortgage rates started trending noticeably downward in anticipation that the central bank would reduce the federal funds rate.The Fed did indeed deliver the expected cut, reducing its benchmark rate by a quarter percentage point—the first cut of 2025. Then, it made a second cut of the same amount at the end of October.With another meeting set for December, the potential remains for at least one more reduction in the federal funds rate during 2025.How to get the best mortgage rate possibleWhile economic conditions are out of your control, your financial profile as an applicant has a major impact on the mortgage rate you get. With that in mind, strive to do the following:Ensure your credit is in excellent shape.The minimum credit score to get a conventional mortgage is generally 620 (for FHA loans, you may be able to qualify with a score of 580 or a score as low as 500 and a 10% down payment). But, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score quite a bit higher. For example, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier. Keep your debt-to-income (DTI) ratio low.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. It’s typically best when applying for a mortgage to have a DTI of 36% or below, though you may get approved with a DTI as high as 43%.Get prequalified with multiple lenders.You may wish to try a mix of large banks, local credit unions, and online lenders and compare offers. Plus, getting connected with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will be best able to meet your needs. Just make sure when you’re comparing rates that you’re doing it in a way that’s apples to apples—if one estimate relies on you purchasing mortgage discount points and another does not, it’s important to realize there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartRates feel high because practically everyone recalls the ultra-low rates that prevailed over the last 15 years or so. A unique set of historical circumstances drove that market: The long period when the Fed held its key rate at zero to recover from the Great Recession, followed by the unprecedented policies put in place as the country battled the global Covid-19 pandemic.Now that more normal economic conditions prevail, experts agree we’re unlikely to see such dramatically low interest rates again. Taking the long view, rates around 7% are not abnormally high. Consider this St. Louis Fed chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. In the 1990s, 7% rates were more or less the norm. Compared to rates in the 1970s and 80s, 7% rates look like a deal. In fact, September, October, and November of 1981 all saw mortgage interest rates above 18%.Historical context is scant comfort for homeowners who want to move but feel locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners put when they’d otherwise move have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe current state of the U.S. economy is the biggest factor impacting mortgage interest rates. If lenders fear inflation, they raise mortgage rates to protect their long-term profits. Another big-picture factor is the national debt. When the federal government runs large deficits and has to borrow to make up the difference, that can put upward pressure on interest rates.Demand for home loans plays a key role. If demand for loans is low, lenders may lower rates to attract more borrowers. On the other hand, high demand means lenders might decide to raise rates as a way of covering costs for handling a higher volume of loans.And of course, we must consider the Federal Reserve’s actions. The Fed can influence interest rates on financial products such as mortgages both through deciding to hike or cut the federal funds rate and through what actions it decides to take regarding its balance sheet.The federal funds rate gets significant media attention, as increases or decreases to this benchmark rate (which is the rate banks charge each other for borrowing money overnight) often coincide with increases or decreases to the interest rates for home loans and other forms of credit. That said, the Fed does not set rates for mortgages or other credit products directly, and such interest rates do not always track perfectly with the fed funds rate.Another way the Fed influences mortgage rates is via its balance sheet. In times of economic distress, the central bank buys financial assets and holds them on their balance sheet, injecting liquidity into the economy. Mortgage-backed securities (MBS) are a key type of asset for the Fed in such situations. However, since 2022, the Fed was slimming down its balance sheet—allowing assets to mature without buying new ones to replace those that have aged off it. That puts an upward pressure on mortgage interest rates. But, that policy (known as “quantitative tightening”) has ended as of Dec. 1, 2025.Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with different lenders are both important steps in getting the best mortgage for your situation.If your credit is in stellar shape, opting for a conventional mortgage might be the best choice for you. But, if your score is sub-600, an FHA loan may give you a chance a conventional loan would not.When it comes to shopping around with different banks, credit unions, and online lenders, it can make a tangible difference in how much you pay. Freddie Mac research shows that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current price of silver as of Friday, November 21, 2025
At 8:15 a.m. Eastern Time on Nov. 21, 2025, silver exchanged hands at $49.54 per ounce. That’s a $1.70 downtick from 24 hours ago but more than an $18 gain over the past year.Silver price per ounce% ChangePrice of silver yesterday$51.24-3.31%Price of silver 1 month ago$52.37-5.40%Price of silver 1 year ago$30.79+60.89%Price of silver yesterdaySilver price per ounce$51.24% Change-3.31%Price of silver 1 month agoSilver price per ounce$52.37% Change-5.40%Price of silver 1 year agoSilver price per ounce$30.79% Change+60.89%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Historical silver performance Examine historical data and you’ll see that long-term silver returns just can’t compare to stock market gains. Since 1921, silver has underperformed the S&P 500 by roughly 96%. In other words, matching your investment equally between silver and stocks then would leave the silver portion approximately 96% lower in value today.Silver’s strength lies in preservation of value—shielding you from inflation, in other words. Dubbed a “store of value,” it often holds purchasing power when inflation accelerates.Silver is more price-sensitive than gold due to its industrial uses (electronics, medical gear, and more), whereas gold primarily serves as a safe-haven asset.What does “spot silver” mean? “Spot silver” is the live rate at which silver can theoretically be bought or sold instantly. Actual buyers typically pay above spot to cover markups, shipping, insurance, and other expenses.The spot price is a real-time gauge of demand: A higher spot value points to stronger market interest.What is “price spread” in silver trading? The “price spread” is the gap between ask (buy) and bid (sell) prices. Here’s what those terms mean. Ask price:what you pay to purchase silver. Bid price:what you receive when you sell. Narrow spreads indicate that silver is in high demand. #qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }How to invest in silver You can invest in silver physically or via ETFs. ETFs let you own shares in a fund backed by physical silver, relieving you of storage and insurance duties. Some main silver investment forms include: Bullion bars and rounds.Purchased by weight and purity. Minted coins.Government-issued currency like American Silver Eagles and Silver Maple Leafs, with added value as collectibles. Jewelry.Crafted items that trade at prices above bullion with identical purity.Mining stocks.Silver mining company shares that can provide an indirect investment route and help to limit your exposure to silver prices. On most trading platforms, silver bullion and coins must be 99.9% pure (the “three nines fine” standard) while lower-purity silver is classified as industrial or collectible. Read our guide to the best silver IRA companies for more tips to investing in precious metals.Is it a good time to invest in silver? Silver has rallied nearly 25% in 2025, climbing to decade-high territory. Whether now is the right moment to buy comes down to your goals (and your intuition). Precious metals can hedge against inflation, and anticipated industrial demand—particularly in green technologies—may potentially further propel prices. But don’t invest in silver expecting an outsized return. Current precious metals prices as of 8:15 a.m. ET on Nov. 21, 2025 Precious metal Price per ounceGold$4,064.63Silver$49.54Platinum$1,516.85Palladium$1,372.10GoldPrice per ounce$4,064.63SilverPrice per ounce$49.54PlatinumPrice per ounce$1,516.85PalladiumPrice per ounce$1,372.10When it comes to precious metals, gold remains the go-to safe haven. Platinum and palladium mirror silver’s volatility given their smaller markets. Gold’s larger market cap makes it comparatively steadier.Pro tipThinking gold? See our guide to the best gold IRA companies.The takeaway In today’s volatile economy, precious metals deserve consideration for a place on your radar.Silver’s 2025 gains have outpaced gold, and many analysts anticipate continued strength—expecting possible new highs for silver.Finally, silver’s lower price point compared to gold makes it an approachable way for investors wanting to get started with precious metals. Whether you opt for physical metal, ETFs, or mining stocks, there are lots of paths to set yourself up for success looking toward the next silver upswing.Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Financial advisors typically recommend keeping no more than 10% to 15% in silver, with overall precious metals exposure capped at around 20%.Can silver be held in an IRA?Yes. IRA-eligible silver bars and coins (99.9% pure) held by an IRS-approved custodian qualify.Junk or constitutional silver (minted pre-1965 and often having around 90% purity) isn’t IRA-eligible but still holds collectible value outside retirement accounts.What’s driving silver prices in 2025? Scarcity of supply and growing demand—from both industrial applications and investors—have likely fueled silver’s upward trajectory this year. Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current ARM mortgage rates report for Dec. 1, 2025
While the bulk of homebuyers choose fixed-rate mortgages, there are cases where you might want to look closely at an adjustable-rate mortgage instead. For example, ARMs can be a smart option for folks buying a property to rent out or flip, or intending to move within a few years—meaning you’d move before the ARM’s introductory fixed-rate period ends and adjustments begin.Read on and we’ll explain how an ARM works, when you might want to consider an ARM over a fixed-rate loan, and look at current ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Average ARM mortgage ratesFortune reviewed the most recent data available as of Nov. 28. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.500%5.750%5.875%APR6.320%6.394%6.489%Interest RateBank of America 7/6 ARM5.500%U.S. Bank 7/6 ARM5.750%Zillow Home Loans 7/6 ARM5.875%APRBank of America 7/6 ARM6.320%U.S. Bank 7/6 ARM6.394%Zillow Home Loans 7/6 ARM6.489%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesAbout 92% of households with mortgages have fixed-rate home loans. Unlike ARMs, where the interest rate can fluctuate after an initial fixed-rate period, your rate is the same for the life of the loan when you have a fixed-rate mortgage. It’s easy to see why that’s a popular option.However, ARMs can make sense in certain situations. In other words, you might find you’re among the roughly 8% of mortgage holders who decide this type of loan offers an opportunity. When you might consider an adjustable-rate mortgageHere are three categories of homebuyer for whom ARMs can be helpful:Buyers of temporary or “starter homes.”If you’re fairly confident you won’t be in your home for long, an ARM might be a strategic choice since you can take advantage of the low fixed-period interest rate and then sell the home before the adjustment period hits. Investors.Many real estate investors like ARMs for a similar reason. They may secure a low interest rate upfront, and as the adjustment period approaches in three, five, or seven years, can adjust the rent to reflect the new mortgage payment or flip the property and buy the next one. Buyers during periods of high interest rates.Finally, many buyers go out on a limb with an adjustable-rate mortgage during periods of high interest since it’s more likely to offer a lower rate upfront andon the back end, assuming things cool off by the time your fixed period expires. Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs typically start off with a low, fixed interest rate for a set period of time—such as three, five, seven or 10 years—and after the “fixed period” expires, the “adjustment period” begins. Here’s where things get interesting. During the adjustment period, the interest rate on your ARM can fluctuate based on several key factors, including: Benchmark rates.ARMs commonly get their base interest rate from a benchmark called the Secured Overnight Financing Rate (SOFR). The U.S. Treasury publishes a new SOFR each morning as a way to tell banks and lenders “hey, here’s the cost of borrowing cash today.” That, in turn, helps lenders set market-appropriate interest rates for various products from auto loans to mortgages. Margins.The margin is a fixed percentage that your lender adds to the index to come up with your ARM interest rate. So if you have an ARM tied to the SOFR and the SOFR is 5% while your margin is 2%, your ARM rate will be 7%. Margins typically range between 2% and 3.5% and can vary based on the lender, loan and your creditworthiness. Margins are also set in stone as part of the loan agreement, so it’s best to shop around to see which lenders can offer more competitive margins. Rate caps.Finally, rate caps put a limit on how much your rate can rise throughout the course of the loan. “Initial” adjustment caps control how much the rate can rise the first time, “subsequent” adjustment caps dictate how it can rise after the initial cap, and “lifetime” adjustment caps put a limit on how much your interest rate can increase in total. The most common ARM length may be the 5/1, meaning the loan has a fixed interest rate for five years, and once that expires, the interest rate will start changing every one year for 25 years (most ARMs have 30-year terms). Another common ARM length is the 10/6, meaning you’ll have a 10-year fixed period and a 20-year adjustment period during which the interest rate will change every six months. You may also see 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageSometimes, even if it was advantageous to buy your property using an ARM, you eventually realize a fixed-rate mortgage would be preferable looking ahead. For instance, maybe you’ve decided your first home is going to be a long-term home after all. You’re not alone if that’s the situation—research from 2024 found that a substantial number of Millennial and Gen Z homeowners can’t afford to upgrade and are making do with their starter homes.Regardless of the specific reason, know that it is possible to refi from an ARM to a fixed-rate mortgage. In fact, it’s probably a fairly common reason for ARM holders to refinance. Refinancing from an ARM to a fixed-rate mortgage isn’t rocket science, and works pretty much like refinancing from fixed-to-fixed. You’ll apply with multiple lenders to find the best rates, provide the necessary documentation, close on your new loan and pay your old loan in full.Pros and cons of adjustable-rate mortgagesLike any other mortgage type, ARMs come with a mix of pros and cons. While your lender can ultimately decide which mortgage type is right for you, knowing the basics can help you budget and navigate the early steps of the process: N/AProsPossibility for a lower interest rate upfront.Lenders typically offer lower interest rates for ARMs than fixed-rate mortgages during the initial (aka fixed) period. Lower borrower requirements.Because monthly payments start out lower, many lenders may ease requirements for ARM borrowers compared to fixed-rate borrowers (e.g. potentially accepting borrowers with 50% DTI). Monthly payments may decrease.If interest rates drop between now and when your fixed period ends, you may find yourself paying an even lower monthly payment. ConsBut, monthly payments may go up.Once your fixed rate expires, your interest rate can rise as high as the lifetime cap allows (often up to 5 percentage points higher than your starting rate). To illustrate, if the interest rate on a $400,000 principal rose from 7% to 12% overnight, the monthly payment would rise from something like $2,661 to around $4,114—a leap of $1,453, or 54.6% to put it another way.Difficult to rate shop.When discount points are removed from the equation, fixed-rate mortgage offers from Lenders No. 1 and No. 2 will be relatively easy to compare apples to apples. ARMs, however, have numerous moving parts and it can be difficult to find the right deal upfront. Less peace of mind.Even as the cost of taxes and insurance rises, fixed-rate borrowers have the peace of mind knowing that their fundamental mortgage payment will never change. ARM borrowers may enjoy lower rates upfront and possibly lower rates long term, but they won’t enjoy that long-term sense of stability.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Ivy Bank review 2025: Top-tier savings account APY
Ivy Bank is an online-only bank backed by Massachusetts-based Cambridge Savings Bank, established in 1834. Ivy Bank isn’t a full-service bank. It instead focuses on offering high-interest savings accounts—and some of the best certificates of deposit (CDs) in terms of return rates. Here’s what you need to know if you’re considering doing business with Ivy Bank. All rates and fees are current as of Nov. 21, 2025, and are subject to change.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Ivy BankIvy BankSavings accountEarn up to 4.25%Certificates of DepositUp to 4.00%View offerat MoneyLionCompany insightsYear Founded: 1834Company Headquarters: Cambridge, MACEO: Ryan BaileyWho is Ivy Bank good for? Because Ivy Bank has no in-person branches, it’s best for those who prefer to do their banking online. The robust online and mobile banking features let you access your account whenever necessary. There’s also a convenient mobile check deposit, so you don’t have to visit an ATM or send a check in the mail. Also, Ivy Bank currently has some of the highest APYs on the market. If you’re looking to maximize your return on excess funds, Ivy Bank may be just what you’re looking for. Who shouldn’t use Ivy Bank? Ivy Bank only has two account options—high-yield savings and CDs. It’s not a good fit for someone in need of a checking account, money market account (MMA), or investment account. It’s also not a viable option for residents of California and U.S. territories, as the bank restricts folks in those places from opening an account. Also note that you can’t make transfers to external accounts you don’t own. If you’re in the habit of paying a monthly bill or two with your savings account, Ivy Bank isn’t a good choice. N/AProsCompetitive return rates for savings and CDsNo monthly feesCustomer service available on the weekendConsMinimum balance required to earn savings APYNo checking account or MMA optionsNot everyone is eligible for an Ivy Bank accountIvy Bank rates and productsAgain, Ivy Bank offers just two account types: high-yield savings and CDs. The earning rates are near top-of-market, and the accounts come with no monthly maintenance fees to eat away at your earnings.Account typeAPYSavings account0.05%–4.25%CDs2.50%–4.00%Savings accountAPY0.05%–4.25%CDsAPY2.50%–4.00%Bank details checked Nov. 21, 2025High-yield savings account Ivy Bank’s high-yield savings account offers a return of 4.25% APY for balances of $2,500 or more. Balances from $10 to $2,499.99 earn just 0.05% APY—and balances below $10 earn nothing. Similar to many other financial institutions, Ivy Bank only allows six transfers per calendar month. Withdrawals can only be made via electronic transfer, domestic wire transfer, or cashier’s check. Ivy Bank savings account featuresMinimum opening deposit$2,500Monthly feesNoneTop APY 4.25%Outgoing domestic wire$25Overdraft fee$25Stop payment fee$30Cashier’s check$6Bank details checked Nov. 21, 2025ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67Certificates of depositIvy Bank sticks to the straightforward when it comes to CDs. There are no specialty options, such as bump-up, flex, or IRA CDs to choose from. The minimum deposit to open an Ivy Bank CD is a reasonable $1,000. Some banks don’t enforce any minimum deposit—but among those that do, this is a reasonable threshold. Interest for an Ivy Bank CD is compounded monthly. Once your account matures, you have a 10-day grace period to move your money without an early withdrawal penalty before the CD renews. Ivy Bank savings account featuresMinimum opening deposit$1,000Available term lengths3, 6, 12, 24, 36, 60 monthsAPY range 2.50%–4.00%Early withdrawal penalty– 3-month term: All interest earned – 6-month term: 90 days’ simple interest – Terms of 1-3 years: 180 days’ simple interest – 5-year term: 270 days’ simple interestGrace period10 daysBank details checked Nov. 21, 2025Ivy Bank CD rates Term lengthAPY3 months4.00%6 months3.75%1 year3.75%2 years3.25%3 years3.00%5 years2.50%3 monthsAPY4.00%6 monthsAPY3.75%1 yearAPY3.75%2 yearsAPY3.25%3 yearsAPY3.00%5 yearsAPY2.50%Bank details checked Nov. 21, 2025ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.READ BANK REVIEW12345...160Other services Ivy Bank offersIvy Bank’s additional services are limited. In addition to savings and CDs, it offers a helpful credit score tool that allows users to monitor the health of your score and obtain reports. The program also notifies users when changes are detected, such as a new account being opened or a change of personal information including address or employer. Ivy Bank platform and customer supportIvy Bank offers a solid online banking platform and a mobile app with 4.7 stars on the Apple AppStore. With online banking, you can check balances, obtain copies of statements, view account history, and transfer funds. The Ivy Bank mobile app can also be used to deposit checks. The bank’s mobile and online platforms also feature a money management tool that allows users to create and manage their budget and track spending. In addition, the money management tool provides a visualization of a user’s net worth over time. You can reach Ivy Bank customer service representatives via phone at 855-489-2265 between 9 a.m. and 6 p.m. Monday through Friday and 10 a.m. to 2 p.m. Eastern Time on Saturday. You can also reach out via chat and email. Chat representatives are available during the same business hours as phone agents. If you’re already an Ivy Bank customer, you can send secure emails within your account. Is Ivy Bank secure?Ivy Bank is as secure as you can expect a financial institution to be. It comes with the security of its parent Cambridge Savings Bank and implements bank-level encryption. It also offers a library of educational materials to help you keep yourself safe. And, Ivy Bank is also insured by the FDIC up to the standard $250,000, per account holder per ownership category. Ivy Bank user reviewsIvy Bank user reviews are mixed. Keeping in mind that online reviews typically skew negative, users lament long hold times when trying to reach customer service, as well as occasional poor service. Positive reviews found on forums like Reddit focus on the high return rates offered by Ivy Bank and the fact that Ivy will automatically increase your HYSA APY when rates increase—without you needing to prompt it. Compare Ivy Bank alternativesTwo institutions worth considering if you need account types Ivy Bank does not offer are Alliant Credit Union and Quontic Bank. Ivy BankAlliant Credit UnionQuontic BankTop savings APYTop savings APYTop savings APY4.25%3.10%3.75%Top checking APYTop checking APYTop checking APYN/A0.25%1.10%Top CD APYTop CD APYTop CD APY4.00%4.10%3.85%View offerat MoneyLionView offerat MoneyLionView offerat MoneyLionBank details checked Nov. 21, 2025.Is Ivy Bank right for you?Ivy Bank is ideal for someone who has a large emergency fund they’d like to store at a bank with a high APY to earn interest. Ivy Bank’s $2,500 minimum savings balance requirement is a higher requirement than you’ll find with many banks, but it’s a great option if you can swing it. That said, if you need an account you can use to pay bills, write checks, or make ATM withdrawals—or if you simply prefer in-person banking—Ivy Bank is not the right pick for you. #qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer176 .listing:first-child { margin-top: 0; } #qsWidgetContainer176 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer176 .logo-column.flex-container, #qsWidgetContainer176 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer176 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer176 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer176 .apy-label, #qsWidgetContainer176 .curDate, #qsWidgetContainer176 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer176 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer176 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer176 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer176 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer176 .prop-value-container { align-items: stretch; } #qsWidgetContainer176 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer176 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer176 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer176 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer176 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer176 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer176 #sh-star-icon { top: -2px; } #qsWidgetContainer176 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer176 #see_more_carrier, #qsWidgetContainer176 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer176 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer176 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer176 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer176 .shmktpl-sponsored, #qsWidgetContainer176 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer176 .sh-logo { flex-shrink: 1; } #qsWidgetContainer176 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer176 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer176 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer176 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer176 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer176 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }Frequently asked questionsWhat is the maximum balance allowed in an Ivy Bank savings account?The maximum balance allowed in an Ivy Bank savings account is $1 million.Who is eligible to open an Ivy Bank account?Any U.S. resident age 18 or older can apply for an account with Ivy Bank. The only exception is California residents and those in U.S. territories (aside from the District of Columbia), who are not eligible.What is the minimum deposit required to open an Ivy Bank savings account? The minimum deposit to open an Ivy Bank savings account is $2,500.Can I withdraw cash from ATMs with my Ivy Bank account?No, you can only access your savings via an eTransfer, domestic wire, or cashier’s check.Is Ivy Bank FDIC insured?Yes, Ivy Bank is insured up to $250,000 per account holder per ownership category.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current price of gold as of November 25, 2025
Gold was trading at $4,121 per ounce at 10:05 a.m. Eastern Time on Nov. 25, 2025. This is a $39 gain from yesterday morning and about $1,488 higher than a year ago.Gold price per ounce% ChangePrice of gold yesterday$4,082-0.95%Price of gold 1 month ago$3,982-3.37%Price of gold 1 year ago$2,633-36.11%Price of gold yesterdayGold price per ounce$4,082% Change-0.95%Price of gold 1 month agoGold price per ounce$3,982% Change-3.37%Price of gold 1 year agoGold price per ounce$2,633% Change-36.11%For investors wanting an asset less affected by inflation, gold may be a wise choice. Historically, Gold is an asset that appreciates over time. Rather than collecting the actual physical gold manifestations, many people use a gold IRA, which also offers the convenience of not having to store physical gold, which can come with its own cost. Regardless of how you purchase gold, it can help serve as a steady part of a portfolio during market volatility.Historical gold price chartGold isn’t a guaranteed answer in every financial environment. In a strong economy, stocks can deliver better returns both in the short and long term. From 1971 to 2024, traditional stocks averaged 10.7% annual returns, while gold averaged 7.9%.Still, gold is a reliable, risk-averse asset during economic uncertainty. That’s why some investors see it more as a store of value instead of a typical investment like stocks or bonds.What does “spot gold” mean?The spot price is the current rate for buying or selling gold immediately in over-the-counter trades. This helps investors track gold demand and market trends. A higher spot price means stronger demand. Unlike futures, the spot price is for immediate settlement.When the price for future delivery is above the spot price, it’s called contango, which is common for commodities with storage costs. If the futures price is lower, it’s called backwardation.Many factors can cause the spot price to fluctuate. Investors should be prepared for this volatility.What is price spread in gold trading?The price spread is the gap between the buying and selling price of an asset.In gold trading, the ask price is the cost to buy, and the bid price is what you’d get for selling. The bid is always less than the ask.A smaller spread means a more liquid market. Tight spreads typically indicate higher gold demand.How to invest in goldIf you picture gold investing as a suitcase filled with gold bars, that’s only part of the story. While buying physical bars, coins, or jewelry is an option, most gold trading happens via exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, says, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Popular ways to invest in gold include:Gold bars and rounds:Also known as bullion, sold by weight, with purity and manufacturer details marked.Gold coins:Collectible coins like the American Gold Eagle, often priced higher than bars due to rarity.Gold jewelry:Priced above gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a future date, allowing speculation without handling the metal.Gold funds:Mutual funds or ETFs invested in gold, with values tied to the underlying assets.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of silver for December 8, 2025.Is it a good time to invest in gold?Deciding if now is the right time to invest in gold is subjective. However, gold can help diversify your portfolio and reduce market risk.Gold remains a stable asset amid today’s market volatility. Prices have reached record highs, up more than 25% since early 2025, driven by inflation and uncertainty. Many experts recommend adding gold for diversification.Current precious metals prices as of 10:05 a.m. ET on Nov. 25, 2025Precious MetalPrice per ounceGold$4,121Silver$51Platinum$1,548Palladium$1,389GoldPrice per ounce$4,121SilverPrice per ounce$51PlatinumPrice per ounce$1,548PalladiumPrice per ounce$1,389Silver, platinum, and palladium are also common portfolio additions. Gold is typically less volatile than silver, which can see major price swings within a day. Silver’s use in industry makes it more responsive to economic trends.Platinum and palladium behave similarly to silver. These rare metals can diversify a portfolio but are usually more volatile than gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has been unsettled for years, with persistent inflation making an impact. Gold can serve as an inflation hedge in your portfolio. With multiple ways to buy, gold is accessible to most investors. Whether through a gold IRA or a more active investment approach, gold can help achieve both short- and long-term goals.Frequently asked questionsWhat is the best way to own gold?Many investors choose gold ETFs, which provide a managed, easily traded basket of assets.Is gold a good investment?Gold is a popular choice for those seeking diversification and inflation protection. There are many straightforward ways to invest.Should I buy gold coins or gold bars?Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historical value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current mortgage rates report for Nov. 27, 2025: Rates tick slightly down again
The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.169%, according to data available from mortgage data company Optimal Blue. That’s down 2 basis points from the prior day’s report, and down about 6 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.169%One week ago6.230%One month ago6.155%30-year jumboCurrent rate6.453%One week ago6.501%One month ago6.531%30-year FHACurrent rate5.978%One week ago6.104%One month ago6.114%30-year VACurrent rate5.766%One week ago5.933%One month ago5.726%30-year USDACurrent rate6.073%One week ago6.137%One month ago5.999%15-year conventionalCurrent rate5.424%One week ago5.457%One month ago5.389%Note thatFortunereviewed Optimal Blue’s latest available data on Nov. 26, with the numbers reflecting home loans locked in as of Nov. 25.What’s happening with mortgage rates in the market?If it appears 30-year mortgage rates have been stuck on the brink of 7% for an eternity, that impression is not too far off from reality. Many watching the market expected rates to decrease when the Federal Reserve began reducing the federal funds rate last September, but that hope did not materialize. There was a brief decline leading up to the September 2024 Fed meeting, but rates swiftly increased afterward.In fact, by January 2025 the average rate for a 30-year, fixed-rate mortgage passed 7% for the first time since last May, according to Freddie Mac figures. That’s considerably higher than the historic average low of 2.65% witnessed in January 2021, when the government was still attempting to boost the economy and prevent a pandemic-induced recession.Barring another catastrophe, experts agree we won’t see mortgage rates in the 2% to 3% range in our lifetimes. And, with President Donald Trump’s pursuit of policies such as tariffs and deportations, some analysts have long feared the labor market could tighten and inflation could reignite. Against that backdrop, U.S. homebuyers have faced high mortgage rates for some time—though some found ways to make their purchase more affordable, such as negotiating rate buydowns with a builder when buying newly constructed housing.Would-be homebuyers did get some relief beginning in late August and early September of 2025, and continuing through October. Mortgage interest rates trended notably downward, falling closer to 6%—for 30-year, fixed-rate conforming loans—leading up to the Fed’s meeting in September. The Fed delivered a quarter percentage point rate cut to the federal funds rate at that meeting, and another cut of the same amount when it met in October.While the fed funds rate and mortgage interest rates don’t move in tandem 100% of the time, it’s often true that the market adjusts ahead of expected action by the central bank.How to get the best mortgage rate you canWhile economic conditions are out of your control, your financial profile as an applicant also has a major impact on how low a mortgage rate you’re offered. With that in mind, strive to do the following:Ensure your credit is in excellent shape.The minimum credit score to get a conventional mortgage is generally 620 (for FHA loans, you may be able to qualify with a score of 580 or a score as low as 500 and a 10% down payment). But, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score quite a bit higher. For example, lender Blue Water Mortgage notes that a score of at least 740 is considered top tier.Keep your debt-to-income (DTI) ratio low.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. It’s typically best when applying for a mortgage to have a DTI of 36% or below, though you may get approved with a DTI as high as 43%Get prequalified with multiple lenders.You may wish to try a mix of large banks, local credit unions, and online lenders and compare offers. Plus, getting connected with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will be best able to meet your needs. Just make sure when you’re comparing rates that you’re doing it in a way that’s apples to apples—if one estimate relies on you purchasing mortgage discount points and another does not, it’s important to understand there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartAn important piece of context to the discussion surrounding high mortgage rates is that recent rates in the ballpark of 7% feel high because of the not-too-distant memory of rates in the range of 2% to 3%. Those rates were possible as the federal government took virtually unprecedented action trying to prevent recession as the country battled a global pandemic.However, under more typical economic conditions, experts agree we’re unlikely to see such dramatically low interest rates again. And, historically, rates in the vicinity of 7% are not abnormally high.Consider this St. Louis Fed (FRED) chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. From the 1970s through the 1990s, such rates were more or less the norm, with a massive spike in the early 1980s. In fact, September, October, and November of 1981 all saw mortgage interest rates above 18%.Still, that historical context is scant comfort for homeowners who may want to move but are locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners put when they’d otherwise move have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe state of the U.S. economy may well be the biggest thing impacting mortgage rates. If lenders are worried about inflation, they can hike rates to protect their future earnings. And, the national debt is another big factor. When the government has to borrow large sums to cover its spending, that can push interest rates higher.Demand for home loans plays a big role too. If not many consumers are seeking loans, lenders might cut rates to attract borrowers. But if demand is high, they might raise rates to cover the costs of handling more loans.The Federal Reserve’s actions are also crucial. The Fed can influence mortgage rates both by adjusting the federal funds rate and by managing its balance sheet.That first factor, the federal funds rate, gets a lot of coverage in the media. When the Fed hikes or cuts it, mortgage rates often follow. But keep in mind, the Fed doesn’t set mortgage rates directly, and they don’t always move in perfect step with the fed funds rate.The Fed also impacts rates on long-term financial products like mortgages via its balance sheet. During economic downturns, the central bank can buy assets like mortgage-backed securities (MBS) to inject money into the economy.But recently, the Fed has been trimming its balance sheet, letting assets mature without buying new ones. This tends to push interest rates up. So while everyone watches for federal funds rate decisions, what the Fed does with its balance sheet might matter even more for your mortgage rate.Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with different lenders are both important steps in getting the best mortgage for your situation.If your credit is in stellar shape, opting for a conventional mortgage could very well be the best choice for you. But, if your score is sub-600, an FHA loan may give you a chance a conventional loan would not.When it comes to shopping around with different banks, credit unions, and online lenders, it can make a tangible difference in how much you pay. Freddie Mac research shows that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current price of silver as of Wednesday, November 26, 2025
As of 10:15 a.m. Eastern Time on Nov. 26, 2025, silver traded at $52.28 per ounce. That’s up about 87 cents from yesterday morning—and represents a gain of about $22.18 over the past 12 months.Silver price per ounce% ChangePrice of silver yesterday$51.41+1.69%Price of silver 1 month ago$48.59+7.59%Price of silver 1 year ago$30.10+73.69%Price of silver yesterdaySilver price per ounce$51.41% Change+1.69%Price of silver 1 month agoSilver price per ounce$48.59% Change+7.59%Price of silver 1 year agoSilver price per ounce$30.10% Change+73.69%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical silver performance Silver is not typically a high-growth play. Historically, it trails other investment options, like stocks. From 1921 onward, silver has underperformed the S&P 500 by about 96%. That means an equal sum invested in silver and stocks back then would now be worth 96% less in silver holdings than stocks. Instead, silver is prized for its stability and its power to hedge against inflation. Often dubbed a “store of value,” it tends to sustain purchasing power when inflation climbs. Compared with gold, silver prices generally swing more sharply due to industrial demand—solar equipment, healthcare devices, and more—whereas gold is almost purely a safe-haven asset.What does “spot silver” mean? “Spot silver” refers to the live market rate at which silver can be bought or sold instantly. That said, real-world buyers usually pay a premium over spot for markups, shipping, insurance, and other fees. The spot price serves as a gauge of immediate market demand: a higher spot price means stronger buying interest. What is “price spread” in silver trading? The term “price spread” describes the difference between the buying (ask) and selling (bid) prices for silver. Here’s how those terms are defined. Ask price:the cost to purchase silver. Bid price:the amount you receive when you sell silver. A narrower spread indicates high demand. How to invest in silver Silver exposure can be achieved through physical ownership or via silver-backed exchange-traded funds (ETFs). ETFs let you own a stake in a fund that holds silver, sparing you storage and insurance responsibilities. Key silver investment options include: Bullion bars and rounds.These are sold by weight and purity Government-minted silver coins.Iconic examples include American Silver Eagles and Canada’s Silver Maple Leafs, which often trade at premiums for their rarity and backing. Silver jewelry.Custom pieces that fetch prices above equal-purity bullion. Silver mining equities.Stocks in companies extracting silver, offering a sort of indirect investment in silver. On exchanges, bullion and coins must meet a minimum 99.9% purity. Lower-purity silver generally falls into collectible or industrial categories. Our guide to the best silver IRA companies provide more information on how to shrewdly invest in silver (and other precious metals).#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }Is it a good time to invest in silver? Silver has surged nearly 25% in 2025, hitting its highest levels in over a decade. Deciding whether to invest now depends on your unique attitude toward the market. If inflation is top of mind, adding precious metals can be prudent. Or, if you foresee rising industrial applications—such as electronics—demand could potentially push prices even higher. Current precious metals prices as of 10:15 a.m. ET on Nov. 26, 2025Precious metal Price per ounceGold$4,152.52Silver$52.28Platinum$1,561.20Palladium$1,415.24GoldPrice per ounce$4,152.52SilverPrice per ounce$52.28PlatinumPrice per ounce$1,561.20PalladiumPrice per ounce$1,415.24Gold remains the benchmark metal, while platinum and palladium exhibit volatility patterns similar to silver due to smaller market caps. Gold’s larger market makes it comparatively stable.Pro tipLooking for gold over silver? Explore our picks for the best gold IRA companies. The takeaway With economic volatility persistent in the current market, precious metals deserve at least a quick look. Silver’s 2025 performance has outshined gold’s, and many experts forecast the likelihood of seeing further upside, potentially pushing silver to record levels. Silver’s lower entry cost compared with gold also makes it an accessible hedge. Whether through physical bullion, ETFs, or mining stocks, you can position yourself to benefit from anticipated silver demand.Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Many advisors suggest allocating no more than between 10% and 15% to silver, keeping total precious metal holdings under 20%.Can silver be held in an IRA?Yes—IRA-eligible silver coins and bars (99.9% pure) stored with an IRS-approved custodian qualify. Coins with lower silver content, such as pre-1965 U.S. coins that often have around 90% purity and are known as constitutional silver, aren’t permitted. But of course, silver coins and jewelry that doesn’t hit the 99.9% purity level can still be collected or worn outside of retirement accounts.What’s driving silver prices in 2025? Silver’s ascent this year reflects tight supplies and robust demand from both industrial users and investors.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Northern Bank Direct review 2025: Great returns for your CD and MMA accounts
Northern Bank Direct is the online banking division of Northern Bank, a Massachusetts-based financial institution founded in 1960. While this digital division is far from full-service, it offers a money market account (MMA) and certificates of deposit with excellent return rates. It also provides a health savings account and a 1031 exchange (which helps you to defer taxes when selling an investment or business property by reinvesting in a new property).With these limited account types, is Northern Bank Direct a fit for your financial strategy? Here’s what you need to know.All rates and fees are current as of Nov. 25, 2025, and are subject to change.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Northern Bank Direct at a glanceNorthern Bank DirectCertificates of depositUp to 4.00% APYMoney market account3.50% APYView offerat Northern Bank DirectCompany insightsYear Founded: 1960Company Headquarters: Woburn, MACEO: James Mawn Jr.Who is Northern Bank Direct good for?Northern Bank Direct could be an excellent choice for people who already have personal checking at another bank and are looking for an MMA or CD with a high APY. Unlike some banks, Northern Bank Direct doesn’t limit the number of ATM withdrawals from your MMA each month.Northern Bank Direct is best for people who don’t need branch access and want online-only interest-bearing accounts.Who shouldn’t use Northern Bank Direct?While it offers great high-yield MMA and CD options, Northern Bank Direct doesn’t provide online checking or traditional savings accounts. Customers who want all their deposit accounts under one roof should consider an alternative.Also, if branch access is important, you won’t find it with Northern Bank Direct.N/AProsStrong rate of return for bank’s MMA and CDsNo limit to the number of deposits and ATM withdrawals each monthNo monthly feesConsNo online checking accountBranch access not availableHigh-interest yield for MMA only available if your daily balance is less than $250,000Northern Bank Direct rates and productsAgain, Northern Bank Direct does not offer any checking products. The only deposit accounts available are MMAs and CDs. Fortunately, an MMA functions as a hybrid savings and checking account.ProductRatesMMAs0.10%–3.50% APYCDs3.25%–4.00% APYMMAsRates0.10%–3.50% APYCDsRates3.25%–4.00% APYMoney market accountNorthern Bank Direct’s MMA delivers an excellent 3.50% APY for balances under $250,000. If your funds exceed that amount, you’ll earn a measly 0.10% APY. That said, you may not want to keep more than that in a single MMA, anyway, as the FDIC only insures up to $250,000 per account owner per ownership category in case the bank founders.Northern Bank Direct MMA featuresMinimum opening deposit$5000Monthly fees$0Topy APY3.50%Bank details checked Nov. 25, 2025.Certificates of depositNorthern Bank Direct CDs only come in one standard form. There are no bump up, flexible, or IRA CD options. You can choose from term lengths between six and 60 months.Northern Bank Direct CD featuresMinimum opening deposit$500Available term lengths6, 9, 12, 15, 18, 24, 30, 36, 48, 60 monthsTop APY4.00%Early withdrawal penalty– Term less than 12 months: 6 months interest– Term from 12 to 35 months: 12 months interest– Term from 36 to 47 months: 24 months interest– Term of 48 months or more: 36 months interestNorthern Bank Direct CD ratesTerm lengthAPY6 months4.00%9 months3.75%12 months3.25%15 months3.25%18 months3.25%24 months3.25%30 months3.25%36 months3.25%48 months3.25%60 months3.25%6 monthsAPY4.00%9 monthsAPY3.75%12 monthsAPY3.25%15 monthsAPY3.25%18 monthsAPY3.25%24 monthsAPY3.25%30 monthsAPY3.25%36 monthsAPY3.25%48 monthsAPY3.25%60 monthsAPY3.25%Bank details checked Nov. 25, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.READ BANK REVIEW12345...160Other services Northern Bank Direct offersNorthern Bank Direct offers two other products in addition to its money market and CD accounts:HSA:An HSA allows you to save for health-related expenses and can provide tax savings and interest earnings.1031 exchange:Those planning to sell property may be looking for a 1031 exchange to invest profits from a sale to defer capital gains tax.The Northern Bank Direct platform and customer supportAs you would expect from a financial institution with minimal deposit account options, Northern Bank Direct’s online banking is functional but not fancy. You can check account balances, transfer funds, and easily transfer money to friends and family via the Northern Bank app. You can use it to deposit checks, as well.The Northern Bank app is rated 3.7 stars on the Apple App Store and 4 stars on the Google Play Store as of this writing.You can reach Northern Bank Direct customer service by phone at 844-348-8966 Monday through Friday from 8 a.m. to 7 p.m. and Saturday from 8:30 a.m. to 12:30 p.m. Eastern Time. You can also email the bank at nbdirect@nbtc.com.Is Northern Bank Direct secure?Northern Bank Direct has little on its site about the measures it takes to protect your information beyond offering resources to help you be smart about safeguarding your own sensitive data. It does mention that it doesn’t store any of your information.Northern Bank Direct deposits are considered held by Northern Bank and are FDIC-insured for up to $250,000 per account owner per ownership category.Northern Bank Direct user reviewsOnline reviews of banks are often low, as most customers decide to comment after a snag instead of a pleasant experience. With that in mind, Northern Bank Direct receives an A+ from the Better Business Bureau. It’s got virtually no presence on official review sites like Trustpilot and very little mention on online forums like Reddit.Compare Northern Bank Direct alternativesIf Northern Bank Direct doesn’t fit what you’re looking for in an online bank, two popular competitors worth a look include Ally and SoFi.Northern Bank DirectAlly BankSoFi®Member FDICTop MMA APYTop MMA APYTop MMA APY3.50%3.30%N/ATop checking APYTop checking APYTop checking APYN/A0.25%0.50%Top CD APYTop CD APYTop CD APY4.00%3.90%N/AView offerat Northern Bank DirectView offerat MoneyLionView offerat SoFiBank details checked Nov. 25, 2025.Pro tipSee our selections for the best high-yield savings accounts.Is Northern Bank Direct right for you?If you are looking for a simple MMA or CD with high APY, Northern Bank Direct may be the right destination for your money. Consider an alternative if you want to have your high-yield deposit accounts at the same bank as your checking. Also, Northern Bank Direct isn’t a fit if you prefer in-person banking.Frequently asked questionsWhat is the minimum deposit required to open a Northern Bank Direct account?Northern Bank Direct requires a minimum opening deposit of $500 for CDs and $5,000 for a money market account.Are Northern Bank Direct’s rates competitive compared to other online banks?Northern Bank Direct’s rates are competitive with other online banks. They regularly offer some of the most generous returns on the market thanks to the low overhead from their online-only presence.Does Northern Bank Direct charge monthly maintenance fees?Northern Bank Direct does not charge monthly maintenance fees for its deposit accounts.What are Northern Bank Direct’s early withdrawal penalties for CDs?Your CD’s early withdrawal penalty depends on the term you choose. You’ll pay between six and 36 months of interest if you access your funds before they mature.Is Northern Bank Direct FDIC-insured?Yes, Northern Bank Direct is FDIC-insured up to $250,000 per account holder per ownership category.SoFi disclaimer1:Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
Earn up to 4.20% APY. Here are the best CD rates, Nov. 24, 2025
It’s still a good time to earn a great return on a certificate of deposit, just don’t wait to take action. After declining in 2024 as the Federal Reserve cut rates, average CD yields stabilized in early 2025 thanks to the central bank hitting pause on more rate changes for several months. However, the Fed finally took action with its first rate cut of 2025 after meeting Sept. 16-17, then made a second cut in October.The best CD rates yield up to 4.20% annual percentage yield. If you choose to open an account today, you could lock in high rates for years, depending on the term that best meets your financial goals. Experts expect the Fed may cut rates again when it meets in December, so don’t wait to invest.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.READ BANK REVIEW12345...160Best CD rates Nov. 24, 2025: Earn up to 4.20%The highest CD rate of 4.20% is offered by Newtek Bank on its six-month CD.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the best rates on the market:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with most of the names mentioned above, there’s a straightforward reason why: CDs typically don’t yield substantial income for major financial institutions by themselves. Established banks like Chase, PNC, and U.S. Bank prioritize attracting customers through more profitable products like loans and credit cards, rather than CDs. Consequently, the APYs offered on CDs at these banks are often much lower compared to those available at smaller regional banks or online institutions and to get a good rate, you may be required to open other deposit accounts or deposit much higher minimums.CD rates news 2025Investors should understand that average CD rates closely track Fed monetary policy decisions, specifically changes to the fed funds rate. It’s essential for CD investors to follow the ebb and flow of the central bank’s policy decisions to plan for changes in rates.The federal funds rate currently stands at 3.75%-4.00%.Last year, the Fed cut interest rates three times, leaving fed funds at 4.25%-4.50% as of December 2024. High inflation left over from the post-pandemic period was cooling off, and the FOMC reduced rates to help the economy stay on track. CD APYs fell from two-decade highs as the Fed cut rates.With the Fed making its first cut of 2025 at the Sept. 16-17 meeting and a second at the Oct. 28-29 meeting, CD rates have again shown signs of dipping. It’s possible they could decrease further if the central bank moves forward with a third cut when it meets in December. The next FOMC meeting is on the calendar for Dec. 9-10.Those 20-year highs in CD yields were the result of the central bank’s rate hike campaign of 2022 and 2023. Inflation was rising at its highest rate since the early 1980s, thanks to the economic disruptions of the pandemic. Between March 2022 and July 2023, the FOMC raised interest rates 11 times, from zero to 5.25%-5.50%, to help tame inflation.Just remember, CD rates today aren’t far from their recent highs. You still have the opportunity to secure advantageous rates on both short-term and long-term CDs. By depositing a larger lump sum into your CD, you can earn substantial interest.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical CD ratesIn the early 1980s, CD rates hit double digits thanks to surging inflation and high interest rates. But by 2019, the APY for a 5-year CD hovered slightly above 3.00%. Until the early 2020s, top rates generally remained below 1.00% APY. In recent times, we experienced a period of increasing rates, with the best offerings exceeding 5.00% APY for 1-year CDs.How to get a good CD rateDetermining what a good CD rate looks like is subjective. It depends on how much money you have to invest, how long you can leave it locked up in a certificate, and what prevailing market rates are when you intend to open an account.For instance, a 5.00% APY CD over five years might not be the right choice if you need liquidity sooner or if rates rise, leaving you with a lower return. Generally, rates above the national average are advantageous. Compare rates across banks for your desired term to find the best option.Key factors to evaluate when comparing CDs include minimum balance requirements, available terms, offered interest rates (typically higher at online banks), penalties for early withdrawals, and any associated fees. Opting for a bank rather than a broker might help avoid unnecessary fees.Consider these factors:Term length:Ensure they match your savings goals.APY:Higher rates are available for longer CD terms.Minimum deposit:Ensure you can meet minimum deposit requirements.Penalties:Understand early withdrawal costs, in case you need to withdraw money before a CD matures.Deposit insurance:Always verify that your bank or credit union of choice has Federal Deposit Insurance Corp. (FDIC) or National Credit Union Administration (NCUA) coverage.Look into offerings from online banksOnline banks and fintechs typically offer better rates than national banks. Large financial institutions primarily generate revenue through interest earned on loans, fees, and investments in securities. In contrast, smaller banks and online fintech companies actively attract new customers by offering competitive APYs on deposit accounts. Moreover, online banks typically have lower overhead costs, allowing them to pass on better rates to their clientele.Set up a CD ladderCD ladders suit savers hesitant to lock funds for long terms. Splitting savings across CDs with varying maturities offers a blend of short-term access and higher long-term rates. For example, if you begin by investing $3,000 in three staggered CDs (1-year, 2-year, and 3-year), then as each matures you reinvest the money in a 3-year CD. With this plan, you get access to your money (plus the interest you’ve earned) every year. #qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer176 .listing:first-child { margin-top: 0; } #qsWidgetContainer176 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer176 .logo-column.flex-container, #qsWidgetContainer176 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer176 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer176 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer176 .apy-label, #qsWidgetContainer176 .curDate, #qsWidgetContainer176 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer176 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer176 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer176 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer176 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer176 .prop-value-container { align-items: stretch; } #qsWidgetContainer176 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer176 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer176 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer176 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer176 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer176 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer176 #sh-star-icon { top: -2px; } #qsWidgetContainer176 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer176 #see_more_carrier, #qsWidgetContainer176 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer176 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer176 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer176 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer176 .shmktpl-sponsored, #qsWidgetContainer176 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer176 .sh-logo { flex-shrink: 1; } #qsWidgetContainer176 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer176 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer176 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer176 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer176 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer176 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }Types of certificates of depositVarious CD types cater to different needs, such as:Brokered CDsare bought and sold via brokerage accounts rather than banks or credit unions. They are typically issued by banks and sold to brokerages, which offer them to customers at higher APYs compared to conventional CDs.Callable CDsinclude a call feature allowing the issuing financial institution to end the CD before its maturity. Upon such a call, investors retain their principal along with any accrued interest up to that point.Bump-up CDsallow you to request a higher APY if interest rates increase after you’ve opened your account. Generally, you can adjust the rate on your CD once or twice during its term.No-penalty CDsdo not impose penalties for withdrawing funds before maturity. They are less prevalent than other CD varieties and may also feature lower APYs compared to traditional CDs.Jumbo CDsusually require a minimum initial deposit of at least $100,000 but generally provide higher APYs than standard CDs.Variable-rate CDs offerchanging APYs that are indexed to prevailing interest rates. They carry higher risk compared to traditional CDs because a decrease in interest rates before maturity can lead to a lower yield.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Earn up to 4.20% APY with the best CD rates available Nov. 26, 2025
You’ve still got time to earn solid returns in a certificate of deposit, but don’t delay. The Federal Reserve cut interest rates three times in 2024, and made two long-awaited cuts in 2025 at its September and October meetings, which means average CD yields are well off their past record highs.Currently, the best CD rates offer up to 4.20% annual percentage yield. If you fund a certificate of deposit today, you could lock in a higher rate for years, depending on what term length best fits your financial objectives.#qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer176 .listing:first-child { margin-top: 0; } #qsWidgetContainer176 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer176 .logo-column.flex-container, #qsWidgetContainer176 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer176 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer176 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer176 .apy-label, #qsWidgetContainer176 .curDate, #qsWidgetContainer176 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer176 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer176 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer176 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer176 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer176 .prop-value-container { align-items: stretch; } #qsWidgetContainer176 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer176 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer176 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer176 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer176 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer176 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer176 #sh-star-icon { top: -2px; } #qsWidgetContainer176 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer176 #see_more_carrier, #qsWidgetContainer176 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer176 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer176 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer176 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer176 .shmktpl-sponsored, #qsWidgetContainer176 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer176 .sh-logo { flex-shrink: 1; } #qsWidgetContainer176 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer176 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer176 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer176 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer176 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer176 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }Best CD rates Nov. 26, 2025: Earn up to 4.20%The highest CD rate of 4.20% is offered by Newtek Bank on its six-month CD.Fortunepartners with Curinos to monitor the top rates offered by leading U.S. financial institutions—helping readers obtain the best returns for their CD investments. Here are the highest CD rates on the market:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with some or all of the institutions on the list above, that’s no accident. Big banks—Chase, PNC, and U.S. Bank, for example—are more focused on products like loans and credit cards rather than certificates of deposit. Consequently, they tend to offer CD rates that can suffer in comparison to smaller regional institutions or online banks.CD rates news 2025CD investors should understand that market rates are closely tied to Federal Reserve policy decisions, more specifically changes to the fed funds rate. Staying informed about fed interest rate policy is vital for anyone investing in certificates of deposit.The Fed cut rates three times in 2024, with the final rate reduction in December fixing fed funds at 4.25%-4.50%. The central bank cut rates to support the economy as inflation finally began to subside after its pandemic surge. As a consequence, CD rates came off their recent highs.At its Sept. 16-17, 2025 meeting, the Fed initiated the first rate cut of the year, and followed up with another cut when it met Oct. 28-29. Now, the federal funds rate stands at 3.75%-4.00%. Some CD offerings dipped around the time these cuts rolled out.There’s one more Fed meeting on the calendar this year, with the next one set for Dec. 9-10. CD rates could well dip further if banks anticipate the Fed will enact another cut.The strong average CD yields of 2022 and 2023 were a direct result of the Fed’s post-pandemic rate hike campaign. From March 2022 through July 2023, the FOMC hiked interest rates eleven times, taking fed funds from zero to 5.25%-5.50%. The central bank took action as inflation grew at higher rates than at any time since the 1980s.Remember, current CD rates aren’t far off their recent highs. Investors have an opportunity to secure attractive rates on both short-term and long-term certificates. By placing a larger lump sum into your CD account, you can earn substantial interest.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Historical CD ratesIn the early 1980s, CD rates surged into double digits, starkly contrasting with today’s lower rates. By 2019, however, the APY for a 5-year CD had slightly exceeded 3.00%.Throughout the early 2020s, top rates typically remained below 1.00% APY. In recent years, rates saw a significant increase, with the best offerings surpassing 5.00% APY in 2024. In 2025, however, we’ve seen many rates just under or just above the 4.00% mark.How to get a good CD rateDetermining what constitutes a good CD rate involves striking a balance between the highest rate available and your willingness to lock your money up for a specified term. For instance, investing a large sum in a five-year CD yielding 5.00% may not be a good choice if you need the money sooner or if you believe interest rates could start rising again. But generally speaking, rates that exceed the national average are considered worthwhile. Key factors to consider when comparing CDs include:Term length:Ensure it aligns with your savings goals and timeline.APY:Higher rates typically are offered for longer terms.Minimum deposit:Make sure you can meet the required initial balance.Penalties:Understand the costs associated with withdrawing funds before maturity.Deposit insurance:Verify that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)-insured for deposit protection.Note that online banks typically offer better CD yields—just be mindful of any minimum balance requirements and associated fees. Choosing a bank over a broker can sometimes help avoid unnecessary fees.Look into offerings from online banksOnline banks and fintech companies generally offer more competitive rates than big national banks. Large financial institutions primarily earn revenue from interest on loans, fees, and investments in securities.In contrast, smaller banks and online fintech companies attract customers with competitive APYs on deposit accounts. Moreover, online banks typically operate with lower overhead costs, allowing them to pass better rates on to their clients.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.READ BANK REVIEW12345...160Set up a CD ladderCD ladders are perfect for savers who are hesitant to commit funds for extended periods of time. By diversifying savings across CDs with different maturity dates, you can benefit from both short-term accessibility and higher long-term interest rates.For instance, say you invest $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD matures, you can reinvest the funds into a new 3-year CD. This approach allows annual access to your money along with the accrued interest.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
TD Bank review 2025: A full-service bank with round-the-clock customer service.
TD Bank was founded in Canada in 1855 as The Bank of Toronto. Based in Canada, it manages to crack the top 12 largest banks in the United States with over 1,100 branches along the East Coast. It has a full suite of banking services in the U.S., including lending, checking, savings, and some decent certificates of deposit (CDs). Here’s what you need to know about TD Bank. All rates and fees are current as of Nov. 21, 2025, and are subject to change.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }TD BankTD BankChecking accounts$0 minimum to open an accountSavings accountsUp to 3.00% APYCD ratesUp to 3.70% APYView offerat MoneyLionCompany insightsYear Founded: 1955Company Headquarters: Cherry Hill, NJCEO: Leo SalomFortune Rankings#47on Fortune’s 2024 Best Large Workplaces in Fiancial Services and Insurance list#48on Fortune’s 2023 America’s Most Innovative Companies listN/APros1,100+ branches along the East CoastLots of account options to choose from24/7 customer serviceConsMaintenance fees (often avoidable with qualifying activity) High-yield savings account requires a high minimum balanceBanking products not available in all 50 statesWho is TD Bank good for?TD Bank is best for those who want access to in-person banking and live near a TD Bank branch—again, concentrated on the East Coast, from Maine to Florida. It’s also good for those who frequently travel from Canada to the U.S., as it has cross-border services that make this comparatively easy. The checking and savings accounts have monthly fees, but we think the requirements to get them waived are reasonable for most. Who shouldn’t use TD Bank? If you are looking to earn a high APY with your checking or savings accounts, TD Bank is far from the best option. The interest rates on most accounts are significantly lower than what you can find at many other financial institutions. TD Bank is also not great for those who don’t want the hassle of working to jump through monthly hoops (albeit quite easy) to avoid maintenance fees. If that’s you, consider the institutions we highlight for the best free checking accounts instead. TD Bank rates and productsTD Bank has three checking accounts, two savings accounts, and several CD options to choose from. TD Bank productAPYChecking accountsUp to 0.01% APYSavings accountsUp to 3.00% APYCDsUp to 3.70% APYChecking accountsAPYUp to 0.01% APYSavings accountsAPYUp to 3.00% APYCDsAPYUp to 3.70% APYBank details checked Nov. 21, 2025.Checking accountsTD Bank offers three checking account options. While TD doesn’t feature any free checking accounts, the fees can be easily skirted in most cases with some simple monthly activities.TD Checking accountsAccount opening bonusUp to $300 with qualifying activities. Terms apply. Offer valid through Oct. 31, 2025.Minimum opening deposit$0Monthly fees$4.95 –$25 (avoidable)Top APY0.01%ATM fees Up to $3TD Complete CheckingMinimum opening deposit:$0 Monthly fee:$15 , waived by having at least one of the following: $500+ in direct deposits within a statement cycle $500 minimum daily balance $5,000 across all linked TD personal deposit accounts Be aged 17 to 23 APY:N/A Overdraft protection:With linked savings account ATM fees:$3 for transfers and withdrawals at a non-TD ATM (waived for ages 17 to 23) Overdraft fee:$35 Stop payment request fee:$30 Cashier’s check fee:$8 Other perks:Grace period on overdraftsEarly direct depositTD Beyond CheckingMinimum opening deposit:$0Monthly fee:$25 , waived by having at least one of the following: $5,000+ in direct deposits within a statement cycle $2,500 minimum daily balance $25,000 across qualifying linked TD accounts APY:0.01% Overdraft protection:With linked savings account. Also benefits from overdraft payback (automatically reverses first two overdraft fees in a calendar year)ATM fees:$0 (reimbursed for surcharges incurred by the out-of-network ATM when maintaining a balance of $2,500+) Overdraft fee:$35Stop payment request fee:$0Cashier’s check fee:$8Other perks:Rate discount on home equity loans Early direct deposit TD Essential BankingMinimum opening deposit:$0Monthly fee:$4.95 (waived for those aged 13 to 17) APY:N/A Overdraft protection:N/A ATM fees:$3 for transfers and withdrawals at a non-TD ATM (waived for ages 17 to 23) Overdraft fee:$0Stop payment request fee:$0Cashier’s check fee:$8Other unique perks:Early direct deposit Bank details checked Nov. 21, 2025.#qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer174 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer174 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer174 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer174 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer174 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer174 .listing:first-child { margin-top: 0; } #qsWidgetContainer174 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer174 .logo-column.flex-container, #qsWidgetContainer174 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer174 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer174 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer174 .apy-label, #qsWidgetContainer174 .curDate, #qsWidgetContainer174 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer174 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer174 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer174 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer174 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer174 .prop-value-container { align-items: stretch; } #qsWidgetContainer174 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer174 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer174 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer174 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer174 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer174 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer174 #sh-star-icon { top: -2px; } #qsWidgetContainer174 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer174 #see_more_carrier, #qsWidgetContainer174 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer174 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer174 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer174 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer174 .shmktpl-sponsored, #qsWidgetContainer174 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer174 .sh-logo { flex-shrink: 1; } #qsWidgetContainer174 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer174 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer174 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer174 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer174 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer174 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer174 .sh-first-product .sh-btn__text, #qsWidgetContainer174 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer174 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer174 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Savings accountsTD Bank offers two savings accounts, both with monthly fees that can be waived with qualifying activities. The interest rates earned on these accounts are largely unimpressive—but the Signature Savings account does offer up to 3.00% APY for relationship accounts of $100,000+. Check out our picks for the best high-yield savings accounts if earning interest is a priority for you. TD Savings accountsMinimum opening deposit$0Monthly fees$5 –$15Top APY3.00%TD Simple SavingsPerks:Free automatic transfers Enroll in overdraft protection for a TD checking account Minimum opening deposit:$0Monthly fee:$5 , waived by any of the following: Minimum daily balance of $300+ Linked eligible TD Beyond or TD Complete Checking account Being under 18 or 62+ years old APY:0.02% TD Signature SavingsPerks:Non-TD ATM fees waived when you maintain a balance of $2,500+ Improved APY when you link an eligible TD account Free incoming wire transfers, cashier’s checks, money orders, and stop payments Minimum opening deposit:$0Monthly fee:$15 , waived if you do at least one of the following: Maintain a daily balance of $10,000+ Link your account to an eligible TD Beyond or TD Complete Checking account APY:0.01%–3.00% (depending on your account balance) Bank details checked Nov. 21, 2025.Certificates of depositTD Bank offers a variety of CDs with terms ranging between three months and five years. Interest rates vary by term length and whether you have other accounts with TD (you’ll earn a higher rate if you have a relationship with the bank, in most cases). TD’s “Choice CD Rates” are the most generous, offering up to 4.00% APY as of this writing. You can also open “Step Rate” CDs, which come with APY that increases incrementally throughout your term, and “No Catch” CDs that allow you to access your money one time before your account matures without sustaining early withdrawal penalties. TD also issues IRA CDs, with similar terms and varying return rates.TD Promotional CDsMinimum opening deposit$250Available term lengths3, 6, 9, 10, 12, 18, 24, 36, 60 monthsTop APY3.70%Early withdrawal penalty– Terms up to 89 days: All interest earned – Terms between 90 and under 1 year: 3 months’ interest – Terms between 1 year but less than 2 years: 6 months’ interest – Terms between 2 years but less than 3 years: 9 months’ interest – Terms between 3 years but less than 4 years: 12 months’ interest – Terms between 4 years but less than 5 years: 18 months’ interest – Terms of 5 years or more: 24 months’ interestTD Bank Choice CD rates CD TermAPY3 months3.70%6 months3.51%9 months2.00%10 months2.00%12 months3.00%18 months2.75%24 months2.50%36 months2.00%60 months2.00%3 monthsAPY3.70%6 monthsAPY3.51%9 monthsAPY2.00%10 monthsAPY2.00%12 monthsAPY3.00%18 monthsAPY2.75%24 monthsAPY2.50%36 monthsAPY2.00%60 monthsAPY2.00%Bank details checked Nov. 21, 2025.TD No-Catch CDsMinimum opening deposit$250Available term lengths6, 12 months Top APY0.05%Early withdrawal penaltyNone for the first withdrawalTD No-Catch CD ratesCD TermAPY6 months0.05%12 months0.05%6 monthsAPY0.05%12 monthsAPY0.05%Bank details checked Nov. 21, 2025.TD Step Rate CDsMinimum opening deposit$250Available term lengths3, 5 yearsAPYUp to 0.15% averageEarly withdrawal penalty– Terms up to 89 days: All interest earned – Terms between 90 and under 1 year: 3 months’ interest – Terms between 1 year but less than 2 years: 6 months’ interest – Terms between 2 years but less than 3 years: 9 months’ interest – Terms between 3 years but less than 4 years: 12 months’ interest – Terms between 4 years but less than 5 years: 18 months’ interest – Terms of 5 years or more: 24 months’ interestTD Step Rate CD rates CD TermAPY3 years– Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15%5 years– Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15% – Year 4: 0.20% – Year 5: 0.25%3 yearsAPY– Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15%5 yearsAPY– Year 1: 0.05% – Year 2: 0.10% – Year 3: 0.15% – Year 4: 0.20% – Year 5: 0.25%Bank details checked Nov. 21, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 9, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 9, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 2, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 2, 20259mo$ 500$ 1038Over 1 Year9 Mo CD cd AccountM.Y. Safra BankMember FDICOFFER DETAILSQUICK LOOKM.Y. Safra Bank is an FDIC-insured institution with just one branch in New York City and also offers strictly online accounts. It provides a full range of personal and business deposit products as well as loans and lines of credit. Its online-only CDs offer the most attractive rates the bank has to offer, but its savings and money market accounts also offer decent yields.READ BANK REVIEW12345...160Other services TD Bank offersAs a full-service bank, TD also offers several other products, including: Credit cards:TD offers multiple credit cards for both personal and business purposes. Whether you want to earn cash back, take advantage of a low intro APR period, or build credit, there’s probably a card suited to your goals. Home lending:TD offers both mortgages and home equity lines of credit. Personal loans:You may be able to get a personal loan of up to $50,000 with repayment terms between three and five years. Small business accounts:TD offers several accounts and services for small businesses, including checking, savings, and loans. Online banking You can access your account via TD Bank’s website or mobile app. Once enrolled, you can log in for services such as Zelle and bill pay. You can also check your balance and transactions, view statements, and communicate securely with customer service. The TD Bank platform and customer supportYou can contact TD Bank in a variety of ways. General customer service is available 24/7 by phone at 888-751-9000. TD also has a few self-help options, including a help center with articles, an AI chatbot, and a special QR code via the TD app that will put you in touch with an agent. The TD app is available for both Apple and Android and has similar features to the website. You can also use mobile deposit and receive real-time notifications on your phone. Is TD Bank secure?TD Bank uses up-to-date methods to protect your personal information, including firewalls, constant system monitoring, and employee security training. It also uses two-step verification for passwords, security alerts, and an optional feature called “VoicePrint.” VoicePrint records your voice and creates a digital signature that works in the background to verify your voice if you call customer service. TD Bank user reviewsOnline reviews of financial institutions often lean (heavily) negative. That’s because customers tend to write reviews out of frustration. It’s not often that a perfectly successful experience motivates someone to run to the computer and write a review. With that in mind, online customer reviews are poor, earning only 1.5 stars on Trustpilot from more than 2,700 reviews. The majority of complaints are with the in-person customer service, saying that reviewers felt tellers they dealt with in-branch were unhelpful or unfriendly. Reddit reviews have a slightly rosier outlook on TD, with many users expressing satisfaction with competitive rates, excellent fraud detection, and a simple mortgage process. Compare TD Bank alternativesTwo household names that are well worth considering are Capital One and Discover, as long as you’re comfortable doing the bulk of your banking online. Note, Capital One acquired Discover in 2025, but the two brands maintain distinct products as of this writing. TD BankCapital OneDiscoverTop savings APYTop savings APYTop savings APY3.00%3.50%3.40%Top checking APYTop checking APYTop checking APY0.01%0.10%Not interest bearing (but debit card that earns up to 1% back on purchases)Top CD APYTop CD APYTop CD APY3.70%4.05%3.50%View offerat MoneyLionView offerat BankrateView offerat DiscoverBank details checked Nov. 21, 2025Is TD Bank right for you?It’s key to note that TD only offers services to select East Coast states. If you live outside of eligible states, TD’s services aren’t available to you. TD Bank is probably great for someone who frequently travels between the U.S. and Canada. Its cross-border banking has several services meant to make visiting or living part-time in either country easy. And because its customer service is 24/7, TD Bank is good for those who want to know they have constant help when they need it—even on the weekends. Frequently asked questionsIs TD Bank American or Canadian?TD Bank is based in Canada but has both Canadian and U.S. accounts. The U.S. accounts are insured by the Federal Deposit Insurance Corp. (FDIC), and the Canadian accounts are insured by the Canada Deposit Insurance Corp. (CDIC).Are TD Bank and TD Ameritrade the same?TD Bank and TD Ameritrade are separate companies. Charles Schwab acquired TD Ameritrade in 2020, and Schwab now services all accounts.What is TD Bank’s customer service phone number and hours?TD Bank’s customer service phone number is 888-751-9000. Representatives are available 24/7.How do I open a TD Bank checking account online?You must live in an eligible East Coast state or district to open a TD checking account. Otherwise, you can use the bank’s website or mobile app to open a checking account.What states does TD Bank operate in?TD Bank operates in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington, DC.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Best high-yield savings account rates on Nov. 26, 2025: Earn up to 5.00% APY
You’re looking at up to 5.00% APY on top high-yield savings accounts as of Nov. 26, 2025. To put that in perspective, that’s more than 10x higher than the FDIC-reported national average of 0.40%. For anyone trying to get real returns on their savings, the difference is substantial.Whatever brought you here—whether it’s building an emergency fund saving for a major purchase like travel, putting away funds to invest in precious metals, or planning for retirement—keeping your money in a high-yield savings account is smart. You get solid returns without too much complexity or the risks associated with stock market investments and the like.The three highest-APY accounts we’ve identified are as follows:Earn up to 5.00% with Varo Money.Earn up to 4.51% with Axos Bank.Earn up to 4.35% with Newtek Bank.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Highest savings account rates Nov. 26, 2025Fortunehas partnered with the financial industry consultants at Curinos to give you an accurate look at the highest savings account rates on the market. Varo Money tops the list, with Axos Bank and Newtek Bank also offering very respectable yields. Read on to see our full list of HYSAs and find the one that’s right for your needs.What the Fortune/Curinos partnership means for youWe work with Curinos, which has a track record of more than thirty years analyzing financial services data, to bring you current rates on savings accounts and CDs from a long list of financial institutions. This daily reporting gives us the foundation to create a selection that actually helps you pick the right account for your situation.History of savings account ratesWhile the average savings account rate has increased from the lows seen from 2020 to 2022, it’s still far below the APYs available on the most generous high-yield savings accounts on our list.Check Out Our Daily Rates ReportsDiscover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Why should you choose a high-yield savings account?A quick terminology note: There’s no official account type called a “high-yield savings account.” What we’re really talking about is banks and credit unions that happen to offer rates significantly higher than average. It’s just a label we use to make things clearer.Most of the divide between traditional and high-yield accounts comes down to operations. Traditional banks run branch networks and offer everything under the sun—loans, checking, credit cards, you name it. High-yield providers are usually online-only, keep their offerings lean, and have no physical locations to maintain. That operational simplicity translates to better rates for you.Pro tipLearn more about different types of savings accounts.If you’re willing to handle your banking online, switching to a high-yield account can meaningfully increase what you earn. Depending on your deposit and APY, you could be looking at hundreds—or more—in extra interest annually compared to a standard savings account.How much interest can you earn with a higher APY?Let’s assume a hypothetical where you’ve got five grand sitting in savings a full year, and the APY doesn’t budge. The interest you’d earn with a 5.00% APY is dramatically different from what you’d earn if the account’s APY was a mere 0.40%. See the estimates below:Initial DepositEstimated Interest0.40% APY$5,000$225.00% APY$5,000$2560.40% APYInitial Deposit$5,000Estimated Interest$225.00% APYInitial Deposit$5,000Estimated Interest$256It’s a surprisingly painless change that can have a real impact on your bottom line.What should you look for in a high-yield savings account?Focus on these things when you’re choosing a HYSA:Competitive rates.Look for APYs that are actually going to move the needle on your earnings.Low or no minimums.Plenty of high-yield accounts don’t require a hefty opening deposit, making them accessible if you’re building your savings from scratch.Fee-free.Skip accounts that nickel-and-dime you with monthly maintenance charges—that money should stay in your account.Access to your funds.Verify that you can transfer your money when you need it. Pay attention to withdrawal caps and foreign ATM fees.Insurance.Check that your deposits are FDIC-protected at a bank or NCUA-protected at a credit union.Note that any interest you earn will be taxable.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67Frequently asked questionsAre savings account rates going to fall?They could. Banks often adjust their rates based on what the Federal Reserve does. Given that the Fed began cutting rates in late 2025—a win for borrowers, a challenge for savers—it’s reasonable to expect that some savings account rates could head downward accordingly.Can I lose money in a high-yield savings account?As long as your account is FDIC- or NCUA-insured, you should be protected up to a $250,000 maximum per financial institution. Also, understand that your savings won’t fluctuate like stock prices, but inflation could erode what your money can buy if it outpaces your APY.Is a high-yield savings account still worth it?Yes, it is. Fed rate cuts aside, many high-yield savings accounts continue to offer APYs in the vicinity of 4.00%. These accounts are effectively the best straightforward option for growing your money safely while keeping it within reach. Though we’ll also note CDs are worth considering if you can afford to lock your money away for a set period of time.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Current mortgage rates report for Dec. 3, 2025: Rates fluctuate slightly upward
The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.211%, according to data available from mortgage data company Optimal Blue. That’s up about 7 basis points from the most recent prior report, and up about 2 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 8, 2025.Discover the highest CD rates, up to 4.18% for December 8, 2025.Discover the current mortgage rates for December 8, 2025.Discover current refi mortgage rates report for December 8, 2025.Discover current ARM mortgage rates report for December 8, 2025.Discover the current price of gold for December 8, 2025.Discover the current price of silver for December 8, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.211%One week ago6.189%One month ago6.262%30-year jumboCurrent rate6.421%One week ago6.454%One month ago6.466%30-year FHACurrent rate5.992%One week ago6.029%One month ago6.125%30-year VACurrent rate5.825%One week ago5.841%One month ago5.893%30-year USDACurrent rate5.991%One week ago5.959%One month ago6.215%15-year conventionalCurrent rate5.475%One week ago5.424%One month ago5.534%Note thatFortunereviewed Optimal Blue’s latest available data on Dec. 2, with the numbers reflecting home loans locked in as of Dec. 1. What’s happening with mortgage rates in the market?If it seems that 30-year mortgage rates have been lingering near 7% for what feels like forever, that’s barely an exaggeration. Many thought that rates would decrease when the Federal Reserve initiated cuts to the federal funds rate last year, but that didn’t happen. There was a momentary decline before the September 2024 Fed meeting, but rates quickly jumped back up afterward.Indeed, by January 2025 the average rate on a 30-year, fixed-rate mortgage surpassed 7% for the first time since last May, as reported by Freddie Mac data. That’s jarringly high compared to the historic average low of 2.65% recorded in January 2021, when the government was still working to stimulate the economy and avert a pandemic-induced economic slump.Short of another widespread disaster, experts agree we won’t encounter mortgage rates in the 2% to 3% range during our lifetimes. And, with President Donald Trump pursuing policies like tariffs and deportations, some observers have worried the labor market could contract and inflation could resurge.Against this backdrop, U.S. homebuyers have long grappled with high mortgage rates—though some can could find ways to make their purchase more economical such as negotiating rate buydowns with a builder when acquiring newly constructed property. Homebuyers finally got more substantial relief starting in late August 2025. Rates trended noticeably downward ahead of the Fed’s September meeting and inched downward leading into the October meeting.As expected, the Fed delivered a rate cut of a quarter percentage point to the federal funds rate in September, and followed up with a quarter percentage point cut in October as well. There’s one more Fed meeting on the calendar for December, so an additional cut is possible (though far from certain) at that point.How to get the best mortgage rate you canWhile economic conditions are beyond your control, your financial profile as an applicant also has a substantial impact on the mortgage rate you’re offered. With that in mind, aim to do the following:Ensure your credit is in excellent condition.The minimum credit score for a conventional mortgage is generally 620 (for FHA loans, you may qualify with a score of 580 or a score as low as 500 with a 10% down payment). However, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score considerably higher. For instance, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier.Maintain a low debt-to-income (DTI) ratio.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. When applying for a mortgage, it’s typically best to have a DTI of 36% or below, though you may be approved with a DTI as high as 43%.Get prequalified with multiple lenders.Consider trying a mix of large banks, local credit unions, and online lenders and comparing offers. Additionally, connecting with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will best meet your needs. Just ensure that when you’re comparing rates, you’re doing so on common ground—if one estimate involves purchasing mortgage discount points and another doesn’t, it’s important to recognize there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartAn important element of context for the discussion about high mortgage rates is that rates around 7% feel high because rates between 2% and 3% are fresh in consumers’ minds. Those rates were possible due to government action aimed at preventing recession as the country grappled with the unprecedented coronavirus pandemic.However, under more normal economic conditions, experts agree we’re unlikely to see such exceptionally low interest rates again. Historically, rates in the vicinity of 7% are not unusually high.Consider this St. Louis Fed (FRED) chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. From the 1970s through the 1990s, such rates were more or less the norm, with a significant spike in the early 1980s. In fact, September, October, and November of 1981 all saw mortgage interest rates exceeding 18%.That said, this historical perspective offers little consolation to homeowners who may want to move but are locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners from moving when they otherwise would have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe state of the U.S. economy is probably the main thing that affects mortgage rates. If lenders think inflation is on the horizon, they’ll likely raise rates to protect their ability to turn a profit. Another key issue in the grand scheme of things is the national debt. When the government has to borrow to cover its spending, that exerts upward pressure on interest rates.The demand for home loans is important too. If mortgage applications are scarce, lenders might lower rates to drum up business. But if loans are in high demand, they may raise interest rates to cover their costs.And, the Federal Reserve’s decisions play a role too. The Fed can impact mortgage rates by changing the federal funds rate and by how it manages its balance sheet. The federal funds rate probably gets the most attention between these two. When it changes, mortgage rates often follow. But remember, the Fed doesn’t set mortgage rates directly, and they don’t always move exactly with the fed funds rate.The Fed also influences interest rates on long-term financial products through its balance sheet. In tough economic times, it can buy assets like mortgage-backed securities (MBS) to boost the economy. Previously, the Fed was letting its balance sheet shrink, not replacing assets as they mature. This tends to push rates up. But this policy, known as quantitative tightening, ended as of December 2025.Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with various lenders are both crucial steps in obtaining the best mortgage for your situation.If your credit is excellent, opting for a conventional mortgage might be a great choice for you. However, if your score is below 600, an FHA loan may provide an opportunity that a conventional loan would not.When it comes to exploring your options with different banks, credit unions, and online lenders, it can make a significant difference in what you pay each year. Freddie Mac research indicates that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.
Best banks for early direct deposit of December 2025
Key TakeawaysOur top picks for best checking accounts with early direct deposit in December allow you to receive your paycheck up to two business days early.Some of these checking accounts may also offer new customers a chance to earn a bonus with qualifying activity.Our top choices either charge no monthly maintenance fee or offer opportunities to get the monthly fee waived if there is one.An account with early direct deposit lets you access your paycheck up to two days early. For those living paycheck-to-paycheck this feature can mean the difference between paying your bills on time and incurring late fees. And even if you’ve got more of a safety net than that, being able to access your funds sooner rather than later empowers you to make your money work for you. We’ve compiled our top picks for banks offering early direct deposit access, considering factors including fees, accessibility, overdraft protection and more.Editor’s Picks: Best banks for early direct deposit of December 2025BankAccountLearn moreSoFi®Checking and Savings (Member FDIC)View offerat SoFiFifth Third BankMomentum CheckingView offerat MoneyLionTD BankComplete CheckingView offerat MoneyLionWells FargoEveryday CheckingView offerat MoneyLionCapital One360 CheckingView offerat MoneyLionSoFi®View offerat SoFiAccountChecking and Savings (Member FDIC)Fifth Third BankView offerat MoneyLionAccountMomentum CheckingTD BankView offerat MoneyLionAccountComplete CheckingWells FargoView offerat MoneyLionAccountEveryday CheckingCapital OneView offerat MoneyLionAccount360 CheckingBank details checked Dec. 3, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 9, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.75 %December 9, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 2, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK4.20 %December 9, 2025$ 0$ 1050Over 1 YearSavings AccountLendingClubMember FDICEarn our LevelUp rate with $250 in monthly deposits, plus no fees.OFFER DETAILSQUICK LOOKLendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.READ BANK REVIEW12345...67SoFi Checking and SavingsSoFi® Checking & SavingsMember FDICMinimum opening deposit$0Monthly maintenance fee$0Advertiser DisclosureView offerat SoFiCompany insightsYear Founded: 2011Company Headquarters: San Francisco, CACEO: Anthony NotoFee policy We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/. View offerat SoFiWhat we like about this bank accountSoFi offers the ability to get your paycheck up to two days early and all you have to do to qualify is set up direct deposit to your SoFi Checking and Savings. Plus, this account charges no fees and requires no minimum balance and customers earn 0.50% APY. There’s also an opportunity to earn a new account bonus of $50 or $300 1 when you sign up and set up eligible direct deposit. It’s worth noting SoFi offers one of our top picks for a high-yield savings account to stash funds you’re saving for an emergency fund or toward a goal such as a down payment on a house. Finally, SoFi covers you with up to $50 of overdraft protection for debit card purchases as long as you receive at least $1,000 in eligible direct deposits per month2. Earn an even higher APY for a limited timeNew customers who open both a checking and saving account with SoFi, member FDIC—along with enrolling in SoFi Plus—by Jan. 31, 2026 have an opportunity to earn a 4.30% annual percentage yield (APY) on their savings. This represents a 0.70% APY boost on top the standard up to 3.60%% rate. The maximum time period for the boosted APY is six months. (Terms apply. Rates are variable and subject to change.)SoFi Plus is available at no extra cost for customers with eligible direct deposit. Otherwise, the cost of membership is $10 per month as of this writing.Benefits for Plus members include a 10% boost on cash-back rewards earned with certain SoFi credit cards, a 1% match on recurring deposits to SoFi Invest (paid in rewards points) and unlimited one-on-one planning sessions from SoFi Wealth.What you should knowBetween the time your first direct deposit hits and the end of the ensuing 25-day period, you must direct deposit $5,000 or more into the account to earn the full $300. Otherwise, customers who direct deposit $1,000 or more in that period will earn a $50 bonus, and those who don’t hit $1,000 will not earn a bonus.Also, as SoFi is an online institution, those who prefer physical bank branches might not find this account the best fit for their lifestyle.Bank details checked Dec. 3, 2025.Fifth Third Bank Momentum CheckingFifth Third: Momentum CheckingMinimum opening deposit$0Monthly maintenance fee$0View offerat MoneyLionCompany insightsYear Founded: 1858Company Headquarters: Cincinnati, OHCEO: Tim SpenceFortune Rankings#321on the 2025 Fortune 500 list#231on Fortune’s 2025 America’s Most Innovative Companies listHonorable mentionon Fortune’s 2025 World’s Most Admired Companies listWhat we like about this bank accountSet up an eligible direct deposit with your Fifth Third Momentum account and the Early Pay feature will apply automatically, letting you get paid up to two days early. The account charges no monthly service fee and has no minimum deposit requirement. And, the Extra Time feature can help you avoid overdraft fees. The way it works is that you set up account alerts so you’re notified if you overdraw the account—and when you receive an alert, you have until midnight Eastern Time on the business day after the day your account was overdrawn to make a deposit that’s large enough to bring the balance up to at least $0.What you should knowIf your account is dormant for a period of 12 months with no deposits or withdrawals, you may be charged a $5 monthly fee. Also, know that Fifth Third Bank only has branches in 11 states:FloridaGeorgiaIllinoisIndianaKentuckyMichiganNorth CarolinaOhioSouth CarolinaTennesseeWest VirginiaBank details checked Dec. 3, 2025.TD Complete CheckingTD Bank Complete CheckingMinimum opening deposit$0Monthly maintenance feeUp to $15View offerat MoneyLionCompany insightsYear Founded: 1955Company Headquarters: Cherry Hill, NJCEO: Leo SalomFortune Rankings#47on Fortune’s 2024 Best Large Workplaces in Fiancial Services and Insurance list#48on Fortune’s 2023 America’s Most Innovative Companies listWhat we like about this bank accountTD Early Pay is automatic for qualifying direct deposits and can allow you access to your funds up to two days early. Plus, as of this writing, new account holders have the opportunity to earn a $200 checking account bonus (with qualifying activities). There’s also a grace period through TD Overdraft Relief if customers overdraw their account by $50 or less. This allows you to make a deposit and bring your account up to at least a $0 balance by 11 p.m. Eastern Time the following business day and get the overdraft fee refunded.Finally, there’s no minimum opening deposit.What you should knowThere’s a $15 monthly maintenance fee but you have three options to get it waived: have at least $500 in direct deposits each statement cycle, maintain a minimum daily balance of at least $500, or have a $5,000 minimum daily balance combined across your linked personal TD Bank accounts.To earn the new account bonus, you’ll need to open the account, set up direct deposit, and have at least $500 in qualifying direct deposits post within 60 days. Assuming you’ve met the requirements, your bonus should post within 180 days of account opening.Lastly, know that TD Bank has physical branches in these states (as well as Washington, D.C.):ConnecticutDelawareFloridaMaineMarylandMassachusettsNew HampshireNew JerseyNew YorkNorth CarolinaPennsylvaniaRhode IslandSouth CarolinaVermontVirginiaBank details checked Dec. 3, 2025.Wells Fargo Everyday CheckingWells Fargo Everyday CheckingMinimum opening deposit$25Monthly maintenance feeUp to $15View offerat MoneyLionCompany insightsYear Founded: 1852Company Headquarters: San Francisco, CACEO: Charles W. ScharfFortune Rankings#33on the 2025 Fortune 500 list#80on the 2024 Fortune Global 500 list#6on Fortune’s 2024 Fortune Sector Leaders: Financials listWhat we like about this bank accountWells Fargo offers an Early Pay Day feature which provides access to eligible direct deposits up to two business days early. Also, Wells Fargo has branches in 36 states and Washington, D.C., giving it a broader physical footprint than some of the other institutions on our list.If you overdraw your account, there’s a grace period allowing you to bring the account to a positive balance by 11:59 p.m. Eastern Time the following business day and avoid an overdraft fee. But note that if you don’t bring the account current by that deadline, you’ll be facing a $35 fee per overdraft (up to a maximum of three). What you should knowYou’ll need to deposit at least $25 to open this account. Also, there is a $15 monthly service fee that can be waived if you maintain at least a $500 daily balance or receive $500 or more in qualifying electronic deposits each month. Bank details checked Dec. 3, 2025.Learn moreCheck out our roundup of Wells Fargo CD rates.Capital One 360 CheckingCapital One: 360 CheckingMinimum opening deposit$0Monthly maintenance fee$0View offerat MoneyLionCompany insightsYear Founded: 1994Company Headquarters: McLean, VACEO: Richard FairbankFortune Rankings#82on the 2025 Fortune 500 list#15on Fortune’s 2025 America’s Most Innovative Companies listHonorable mentionon Fortune’s 2025 World’s Most Admired Companies list#20on Fortune’s 2024 Financial Sector Leaders list.#36on Fortune’s 2025 100 Best Companies to Work For list.#23on Fortune’s 2024 Best Large Workplaces for Parents list.#4on Fortune’s 2024 Best Large Workplaces in Financial Services and Insurance.#304on Fortune’s 2024 Global 500.#36on Fortune’s 2024 100 Best Large Workplaces for Millenials.#70on Fortune’s 2023 100 Best Large Workplaces for Women.What we like about this bank accountWith no monthly fees, no minimum balance and no overdraft fees, there’s a lot to love about this checking account. And, as of the time of writing, there’s a $250 bonus for new customers who take steps to qualify. The main feature for this list of course is the early paycheck feature, which lets you get paid up to two days early when you set up direct deposit. We also like that the debit card you get with this checking account does not charge foreign transaction fees. What you should knowTo qualify for the bonus you’ll need to apply with the offer code and receive two direct deposits of $500 or more each—within 75 days from account opening.Also, as Capital One is an online bank, those who like to visit physical branches may not find this the right institution for their needs. Bank details checked Dec. 3, 2025.Pro tipCheck out our full review of Capital One 360 roundup of Capital One 360 CD rates.How early direct deposit worksWhen you have direct deposit set up through your bank or credit union, money passes through the ACH network before it goes to your banking institution. Once your employer processes payroll, this information passes from them through the ACH network to your bank prior to your payday. As soon as your bank receives your direct deposit information, they can choose to give you access to this money before they receive the actual funds from the employer. This early access to your money provides you with more flexibility and, in some cases, can help you reduce the chance of an overdraft or late payment fee.Eligibility criteria for early direct depositWhether you’re eligible for an early direct deposit will depend on a few factors. The first is your employer. If they run payroll late and rely on same-day deposits, you won’t get paid early. Second, your bank may not allow for early deposits, which is a common practice with small banks and credit unions. Some banks even require a minimum number of direct deposits from the same employer before early access is allowed. Additionally, some banks require your account to be in good standing to qualify for an early direct deposit. This means your account can’t be overdrawn or have recent NSF fees. However, this isn’t always the case, so check with your bank or credit union for their specific requirements.Getting maximum benefit from early direct depositThe ability to access your paycheck up to two days earlier can be a useful budgeting tool. For example, if your paycheck is every other Friday, it may not sync up with a rent payment due on the first of the month.Choosing a bank that offers early direct deposit can allow for smoother budgeting and reduce the likelihood of bounced checks, potential overdraft fees or late fees incurred by the bill you were trying to pay. However, there are a lot of other features to consider when choosing the right bank for you, even if early direct deposit is the main feature you’re searching for.Make sure you’re aware of any minimum balance requirements the bank may have, such as a minimum balance to waive monthly fees or to even be eligible for an early direct deposit account. Overall access to your account, such as proximity to ATMs or other features you’re likely to use, should also factor into how you decide on the right bank for you. Make sure you understand the terms and conditions of the early direct deposit feature, especially if you’re timing bill payments based on when you anticipate receiving the funds. Many banks offer early paycheck access “up to two days” but that could mean only one day early in some cases.Pros and cons of early direct depositN/AProsAccess to your money sooner:With early direct deposit, you’re getting your money up to two days before your actual payday. This can help reduce the risk of late payments or NSF fees.Reduced overdraft fees:Getting paid early gives you a positive balance so you can avoid fees for overdrafting your account.Peace of mind:While regular employment often ensures timely payments, freelance payments are notorious for being delayed. Early direct deposit can provide peace of mind by ensuring you receive your funds as soon as they are available, allowing you to manage your money more effectively.Improved cash flow:When you get your paycheck early, you can better plan and manage cash flow. This means you can pay bills, make purchases, or save for future expenses as soon as your paycheck comes in.ConsDependent on employer payroll schedule:If your employer doesn’t submit payroll on time or relies on last-minute payroll processing that allows them to pay same-day, early direct deposit might not be available to you. You can overspend:If you get access to your paycheck early, this could encourage bad financial habits. You could be tempted to spend your money as soon as it hits your account, and if this is habitual, getting paid early could worsen the problem further rather than encouraging good budgeting practices.No actual increase in income:When you have access to your paycheck early, you could come to rely on early access, which isn’t always guaranteed. This could put you in a tighter financial situation as there are more days between paychecks.Bank-specific policies:Your bank might not offer early direct deposit, as these policies vary by financial institution. You may need to switch to a different bank or credit union. Alternatives to early direct depositIf your bank or credit union doesn’t offer early direct deposit, there are other avenues for you to access money. Personal loans:A loan from a bank or credit union can be a smart way to borrow money for a large purchase. These typically will come with lower interest rates than over types of loans, like payday or cash advances, and usually have multi-year pay back terms, making repayment more manageable.Overdraft protection:It can be worthwhile to see if your bank or credit union offers overdraft protection on your account. There is sometimes a fee involved—typically less than $30, although many of the nation’s largest banks have stopped charging overdraft fees. Having this protection can prevent your transaction from getting declined.Peer-to-peer (P2P) lending:There are P2P lending platforms, such as LendingClub and Prosper, that connect borrowers with individual lenders. You usually need a good credit score to qualify, but it can be a great way to get quick access to money. If you have not-so-great credit, expect to have much higher fees or interest rates if you’re approved.Other alternatives exist, like cash advance apps and payday loans, but these generally come at a significant cost. Cash advance apps may let you access a portion of your paycheck prior to payday, but they charge a small fee or tip in exchange.Payday loans are notoriously expensive, charging fees that can significantly eat away at your funds. Similarly, cash advances on your credit card also charge fees that can quickly create unmanageable debt. #qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer174 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer174 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer174 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer174 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer174 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer174 .listing:first-child { margin-top: 0; } #qsWidgetContainer174 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer174 .logo-column.flex-container, #qsWidgetContainer174 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer174 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer174 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer174 .apy-label, #qsWidgetContainer174 .curDate, #qsWidgetContainer174 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer174 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer174 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer174 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer174 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer174 .prop-value-container { align-items: stretch; } #qsWidgetContainer174 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer174 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer174 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer174 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer174 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer174 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer174 #sh-star-icon { top: -2px; } #qsWidgetContainer174 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer174 #see_more_carrier, #qsWidgetContainer174 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer174 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer174 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer174 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer174 .shmktpl-sponsored, #qsWidgetContainer174 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer174 .sh-logo { flex-shrink: 1; } #qsWidgetContainer174 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer174 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer174 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer174 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer174 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer174 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer174 .sh-first-product .sh-btn__text, #qsWidgetContainer174 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer174 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer174 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer174 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Frequently asked questionsDoes early direct deposit cost extra?No, early direct deposit doesn’t cost extra, though individual bank rules may differ. Most banks and credit unions offer this feature as an extra free benefit to their members and customers, and it’s typically not something you can opt into or out of if it’s available. Be sure to review your banking institution’s individual policies.Is my money insured if I receive early direct deposit?Do I have to ask for early direct deposit?Most banks include this feature when you set up direct deposit. Having regular direct deposit of your paycheck is not automatic, you’ll have to arrange it with your employer or anyone who wants to pay you via ACH deposit. But once you’re enrolled in direct deposit, you’ll typically be given early access if this is a feature your bank offers.Can early pay affect my account balance?Early direct deposit will affect your account balance by increasing it up to two days earlier than you would otherwise receive those funds.However, it could affect your spending habits. If you typically receive your paycheck early, you could spend the money sooner, resulting in financial strain if your employer’s payroll is delayed in a subsequent pay period.MethodologyFactors we took into consideration include:Monthly service fee:With so many checking accounts being completely free, you should only pay a service fee if the account is really worth it. APY:While not a primary consideration, earning interest on your checking account funds is a positive factor.Minimum to receive APY:Earning APY on accounts where it’s offered shouldn’t take a million hurdles—lower minimum deposits required to earn APYs did better on our list.Minimum opening deposit:Banks with no or low minimum deposits to open the checking account earned a higher placement.Mobile app rating:You should have simple, easy access to your money. Banks with highly rated mobile apps (considering both the Apple App Store and the Google Play Store) did well for this criterion.Branch and ATM locations:Institutions with more physical locations and a larger ATM network scored better on our list.Overdraft fee:No one wants to pay extra fees, especially when funds are already low. Banks with no or low overdraft fees ranked higher.Cash back opportunities:Some checking accounts may come with extra bonuses and chances to earn cash back. Customer service:It shouldn’t be difficult to reach a real person if you have an issue with your bank account. Banks with easy-to-reach customer service ranked higher, with phone service carrying the most weight.Sign-on bonus:Why not earn free money when you open a new checking account? Direct deposit required for bonus:While the potential for a bonus is great, the requirements to earn the bonus should be realistic and achievable, otherwise there’s not much point.SoFi disclaimers1:New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.2:Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-ratesheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.3: 0.70% Savings APY BoostEarn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Enroll in SoFi Plus between 9/18/25 and 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/sofi-plus SoFi Bank, N.A. Member FDIC.Fortune Brainstorm AIreturns to San Francisco Dec. 8–9 to convene the smartest people we know—technologists, entrepreneurs, Fortune Global 500 executives, investors, policymakers, and the brilliant minds in between—to explore and interrogate the most pressing questions about AI at another pivotal moment. Register here.