Compare more than 275,000 deposit rates from over 11,000 banks and credit unions, for free.

2025年2月1日 · Commercial banks and credit unions use the federal funds rate to determine their own interest rates on products such as deposit accounts, credit cards and loans. The current federal funds rate ranges from 4.25% to 4.50%. The ideal time to invest in a CD depends on your financial circumstances and goals.

2025年2月1日 · CD: A high-yield savings account usually allows unlimited deposits and multiple monthly withdrawals without fees. However, a certificate of deposit (CD) typically permits only an initial deposit, and no additional deposits or free withdrawals are allowed until the CD term ends.

3 天之前 · What Do You Need to Open a Bank Account? Difference Between Banks and Credit Unions; Interest Rate vs. APY; Difference Between Wire Transfer and ACH; How ACH Transfers Work; Do I Have to Pay Taxes on Bank Account Interest; How to Build a CD Ladder; Best Savings and Checking Account Bonus Offers

2025年2月1日 · Money market accounts can pay high interest rates — up to 5.48% currently — and may require a minimum deposit to open and maintain. But many also come with debit cards or check-writing privileges.

2025年2月3日 · A checking account makes it easy to access your money for day-to-day transactions. Withdraw funds by using a debit card or ATM card, writing a check, or authorizing electronic transfers. Deposit funds via paycheck, cash or account transfer. Standard features include direct deposit and automatic bill payment.

2025年2月1日 · High-yield savings accounts and money market accounts have no rate locks, and their rates will quickly fall when the Federal Reserve lowers rates. Brokered CDs: A brokered CD is technically a bank account, which can have FDIC insurance.

2025年2月1日 · Online checking accounts are popular, offering convenient digital access plus low fees and even interest on your balance. The best online checking accounts have helpful features, such as user-friendly technology, top-notch security and personalized customer service.

2025年2月1日 · One-year certificates of deposit (CDs) are good places to stash cash if you pick the right one. The best 1-year CD rates are paying over 5%, far above the national average of 1.85%. Why you can trust DepositAccounts

Would you like to see Accounts from credit unions too? Credit unions often have fewer fees and better rates than banks, but they may have more limited account options. Next