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Ally, Capital One and Barclays are three of the longest-running names in online savings in the United States, and a saver comparing them is usually doing it on a rate table. That is the least useful …

Continue Reading about Ally, Capital One, Barclays: Legacy Online Banks Compared →

Most savings accounts have a rate. SoFi's has a set of conditions, and the number you see advertised is the one you get only while you keep meeting them. That is not a criticism; it is the design, …

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A jumbo CD is a certificate of deposit with a large balance. That is the whole definition, because there is no other one: no statute or regulation defines "jumbo", no threshold triggers any …

Continue Reading about Jumbo CD Rates: The Premium Is Smaller Than It Looks →

Credit unions are the part of the certificate market the comparison sites cover least, and the reason is structural rather than editorial. There are thousands of them, most serve a restricted …

Continue Reading about Credit Union CD Rates: The Membership Question, Answered →

The one-year certificate is the reference product. It is the term every rate table leads with, the term most people mean when they say "a CD", and the term at which the question what am I …

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The six-month certificate is the most-shopped CD term and the least understood one, because it is the term where the competition is not another bank. At six months, the honest comparison is with the …

Continue Reading about 6-Month CD Rates: What the Short End Is Really Paying →