7 articles on credit cards, savings accounts, and private credit, each reviewed against our published methodology.
The three highest APYs we verify are 4.15%, 4.10% and 4.10%. Five basis points on $10,000 is $5 a year. The differences that matter are the promo, the $5,000 floor, and whether the live rate can be confirmed.
7 total articles
Fundrise starts at $10 (accreditation partial). Groundfloor and Arrived start at $100 and do not require accreditation. Same shelf in a directory. Not the same product.
Both cost $95 a year. Venture’s stored bonus is 75,000 miles after $4,000 in 3 months. Sapphire Preferred’s is 100,000 points after $5,000 in 3 months (July 2026 elevated). The fee is a tie. The currency is not.
Sapphire Preferred is $95 with a 100,000-point bonus after $5,000 in 3 months (July 2026 elevated offer). Amex Gold is $325 with a personalized bonus as high as 100,000 points after $8,000 in 6 months. The fee gap is $230 a year before any credits.
Marcus Online Savings pays 3.40% APY. Ally Online Savings pays 3.00%. Both have $0 fees and $0 minimums. The $40-a-year gap on $10,000 is real. So is Ally’s ATM card and checking.
First monthly snapshot of the rates and fees we verify: 21 HYSA averaging 3.59% APY, 24 credit cards averaging $190 a year, 9 CDs averaging 3.94%, 21 alternative-investing products of which 9 skip accreditation.
Of the 21 published high-yield savings accounts Financeradar verifies, 14 attach a promo, balance floor, deposit habit, fee, or subscription to the APY they advertise. The clean floor is 3.00% to 3.40%.