{"generatedAt":"2026-10-07T11:55:16.017Z","count":179,"urlTemplates":{"credit-card":"https://financeradar.com/credit-cards/{slug}","savings-account":"https://financeradar.com/savings/{slug}","cd":"https://financeradar.com/cds/{slug}","checking-account":"https://financeradar.com/checking/{slug}","money-market":"https://financeradar.com/money-market/{slug}","private-credit":"https://financeradar.com/private-credit/{slug}","other":"https://financeradar.com/tools/{slug}"},"note":"Every url listed here answers 200 on GET. facts are the figures shown in the product page's At a glance box, as displayed; ratesVerifiedOn is the date they were last checked against the provider's own page. Quote a rate or fee together with that date. Aliases are old slugs that 301 to the canonical one.","products":[{"slug":"acretrader","name":"AcreTrader","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/acretrader","tagline":"$10,000+ accredited farmland deals, Proterra-owned, decade-scale holds","categories":["Alternative Investing"],"facts":{"Minimum investment":"$10,000","Accreditation":"Required","Fees":"0.75% annual administration on farm value + ~2-2.5% formation/closing costs at purchase + 5% disposition fee at sale","Target return":"Historically targeted 7-9% total (3-5% cash yield plus appreciation, platform-reported)","Liquidity":"5-10 year holds; essentially no interim liquidity","Founded":"2018"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-03"},{"slug":"ally-cd","name":"Ally Bank High Yield CD (18 Month)","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/ally-cd","tagline":"Ally's 18 month High Yield CD pays 4.00% APY with no minimum deposit and a 60 day early exit penalty.","categories":["CD Rates"],"facts":{"APY":"4%","Term":"18 months","Minimum deposit":"None","Early withdrawal penalty":"60 days loss of interest for terms of 3 to 24 months, which covers this 18 month CD. Ally charges 30 days under 3 months, 90 days for 25 to 36 months, 120 days for 37 to 48 months, and 150 days for 49 months or longer. Partial withdrawals are not allowed.","Compounding":"Daily","FDIC":"Member FDIC, $250k per depositor per ownership category","Institution":"Ally Bank"},"ratesVerifiedOn":"2026-09-09","updatedOn":"2026-10-06"},{"slug":"ally-interest-checking","name":"Ally Bank Spending Account (Interest Checking)","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/ally-interest-checking","tagline":"A no-fee online checking account paying 0.10% APY, rising to 0.25% once your balance reaches $15,000.","categories":["Checking Accounts"],"facts":{"APY":"0.1%","APY note":"0.10% APY on balances under $15,000 and 0.25% APY on balances of $15,000 or more, accurate as of 08/05/2026. Rates are variable.","Monthly fee":"None","Monthly fee waiver":"Not applicable, there is no monthly fee to waive.","Minimum to open":"None","Overdraft":"No overdraft fees. CoverDraft covers up to $100 at no charge, rising to $250 after qualifying direct deposits of at least $250 in two consecutive months. At least one direct deposit every 45 days is needed to keep the higher limit, and uncovered transactions are declined.","ATM network":"75,000+ fee-free Allpoint ATMs nationwide, plus up to $10 per statement cycle in reimbursements for out-of-network ATM fees.","Check writing":"Yes","Early direct deposit":"Up to 2 days early, enabled automatically on the Spending Account.","FDIC":"Member FDIC, $250,000 per depositor, per ownership category","Institution":"Ally Bank"},"ratesVerifiedOn":"2026-10-05","updatedOn":"2026-10-05"},{"slug":"ally-money-market","name":"Ally Bank Money Market Account","kind":"money-market","type":"Money market accounts","url":"https://financeradar.com/money-market/ally-money-market","tagline":"Ally pays 3.00% APY on all balances with a debit card, checks and 75,000 plus fee free Allpoint and MoneyPass ATMs.","categories":["Money Market Accounts"],"facts":{"APY":"3%","APY note":"3.00% APY on all balance tiers, variable, last updated August 11, 2026; interest 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card earning 7x at Hilton stays and 5x at US supermarkets, restaurants, and gas, with Silver status.","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"7x at Hilton portfolio hotels, 5x at US restaurants, US supermarkets, and US gas stations, 3x on everything else","Welcome bonus":"80,000 Hilton Honors points after $2,000 in purchases in the first 6 months (as of August 2026)","Regular APR":"19.49% to 28.49% variable","Recommended credit":"Good to excellent","Issuer":"American Express","Network":"American Express"},"ratesVerifiedOn":"2026-10-05","updatedOn":"2026-10-05"},{"slug":"amex-hilton-honors-aspire","name":"Hilton Honors American Express Aspire Card","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/amex-hilton-honors-aspire","tagline":"Hilton's top card pairs Diamond status, an annual free night, and nearly $800 in yearly credits with a $550 annual fee.","categories":["Credit Cards"],"facts":{"Annual 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Requires an Apple Card to open; launched at 4.15% in April 2023.","Minimum deposit":"None","Monthly fee":"None","FDIC":"Member FDIC via Goldman Sachs Bank USA, $250k","Institution":"Goldman Sachs Bank USA (Apple Card program transitioning to JPMorgan Chase)","ATM access":"No"},"ratesVerifiedOn":"2026-09-20","updatedOn":"2026-10-02"},{"slug":"ark7","name":"Ark7","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/ark7","tagline":"Fractional shares of US rental homes from $20 with monthly distributions and a 12-month lockup before resale.","categories":["Alternative Investing"],"facts":{"Minimum investment":"$20","Accreditation":"Not required","Fees":"One-time sourcing fee of about 3% of the property price; 8 to 15% of rental income for management (typically 10% long-term, up to 15% short-term rentals); IRA custodial fee of $100 per property per year, capped at $400 and waived above a $100,000 balance","Target return":"No published target; independent April 2026 review measured roughly 4.2 to 4.5% portfolio cash yield, paid monthly, plus any appreciation; not guaranteed","Liquidity":"12-month minimum hold per purchase, then resale on Ark7's trading market via SEC-registered PPEX ATS; fills depend on buyer demand and are not guaranteed","Founded":"2018"},"ratesVerifiedOn":"2026-10-03","updatedOn":"2026-10-03"},{"slug":"arrived","name":"Arrived","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/arrived","tagline":"$100 fractional rentals plus the Real Estate Income Fund, no accreditation","categories":["Alternative Investing"],"facts":{"Minimum investment":"$100","Accreditation":"Not required","Fees":"Homes: one-time sourcing fee built into the offering price, not published as a single percent; 0.15% of purchase price per quarter asset management on single-family homes (0.25%/quarter for the SFR Fund, ~0.1%/quarter on vacation rentals); 8-25% of rents for property management. Real Estate Income Fund (formerly the Private Credit Fund): 0.3% of net assets per quarter asset management (about 1.2%/yr); total annual fee, organizational fee and promote not stated on Arrived's current pages. Secondary market: 1% broker-dealer fee plus 1% ATS fee, 2% total per transaction. All per Arrived's help center, checked September 25, 2026.","Target return":"Arrived's Real Estate Income Fund page shows a 12-month historical annualized yield of 8.3%, a current yield of 7.3%, and a 7-9% target range after fees, checked September 25, 2026; rental homes often 2-4% cash yield plus hoped-for appreciation","Liquidity":"Homes: 5-7 year holds with very limited early liquidity, plus a not-guaranteed monthly-window secondary market; Real Estate Income Fund: six-month hard lock, then quarterly redemption windows capped at 5% of NAV","Founded":"2019"},"ratesVerifiedOn":"2026-10-03","updatedOn":"2026-09-25"},{"slug":"axos-one","name":"Axos ONE","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/axos-one","tagline":"Up to 4.21% APY on up to $500k with monthly direct deposit qualification","categories":["High-Yield Savings"],"facts":{"APY":"4.21%","APY note":"Promo rate on first $499,999.99 (4.01% above) in cycles with $1,500+ direct deposits and $1,500+ average daily balance (or $5k/$5k variant); lower unqualified rate otherwise","Minimum deposit":"None","Monthly fee":"None","FDIC":"Direct, Member FDIC, $250k","Institution":"Axos Bank","ATM access":"Yes"},"ratesVerifiedOn":"2026-10-01","updatedOn":"2026-10-01"},{"slug":"bank-of-america-advantage-plus","name":"Bank of America Advantage Plus Banking","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/bank-of-america-advantage-plus","tagline":"Bank of America's mainstream checking tier: $12 a month, waived by a single qualifying direct deposit of $250.","categories":["Checking Accounts"],"facts":{"APY":"0%","APY note":"Non-interest bearing account, per the Personal Schedule of Fees effective August 7, 2026. Only the $25 Advantage Relationship tier earns interest.","Monthly fee":"$12","Monthly fee waiver":"$0 in any statement cycle with at least one qualifying direct deposit of $250 or more, or a minimum daily balance of $1,500 or more, or an account owner enrolled in BofA Rewards at the Preferred Plus, Preferred Honors, or Premier tier. Preferred Plus starts at $30,000 in combined balances, so free Member tier enrollment is not enough.","Overdraft":"Overdraft Item Fee of $10.00 each, maximum 2 per day. No fee on everyday non-recurring debit card or ATM transactions, on items that overdraw the account by $1 or less, or when an item is declined or returned unpaid. Balance Connect links a backup account for overdraft protection.","ATM network":"Fee-free at Bank of America ATMs. Non-Bank of America ATMs cost $2.50 each in the US and $5.00 each in a foreign country, plus the operator's surcharge.","Check writing":"Yes","FDIC":"Bank of America, N.A., Member FDIC. $250,000 per depositor, per ownership category.","Institution":"Bank of America, N.A."},"ratesVerifiedOn":"2026-09-07","updatedOn":"2026-09-07"},{"slug":"bank-of-america-advantage-savings","name":"Bank of America Advantage Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/bank-of-america-advantage-savings","tagline":"Bank of America's only consumer savings account pays a 0.04% standard APY and charges $8 a month unless you clear a waiver.","categories":["High-Yield Savings"],"facts":{"APY":"0.04%","APY note":"Standard rate per the Maryland rate sheet effective August 11, 2026; rates are set by state and some markets pay 0.01%. Preferred Rewards boosts stay below 0.1%","Minimum deposit":"$100","Monthly fee":"$8","FDIC":"Member FDIC, $250k per depositor","Institution":"Bank of America, N.A.","ATM access":"Yes"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-03"},{"slug":"bank-of-america-customized-cash-rewards","name":"Bank of America Customized Cash Rewards","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/bank-of-america-customized-cash-rewards","tagline":"Pick-your-own 3% category, boosted up to 5.25% with BofA Preferred Rewards","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"3% chosen category, 2% grocery and wholesale clubs (both capped at $2,500/quarter combined), 1% other","Welcome bonus":"$200 after $1,000 in 90 days","Regular APR":"17.49%-27.49% variable","Intro APR":"0% for 15 billing cycles (purchases + BT in first 60 days)","Recommended credit":"good (670+)","Issuer":"Bank of America","Network":"Visa (Signature)"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-08-11"},{"slug":"bank-of-america-premium-rewards","name":"Bank of America Premium Rewards","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/bank-of-america-premium-rewards","tagline":"A stealth 2.62% everything card for BofA Platinum Honors households, at $95","categories":["Credit Cards"],"facts":{"Annual fee":"$95","Rewards":"2x travel and dining, 1.5x everything else; up to 2.62% with Preferred Rewards","Welcome bonus":"60,000 points after $4,000 in 90 days ($600 value)","Regular APR":"19.49%-27.49% variable","Recommended credit":"good-excellent (700+)","Issuer":"Bank of America","Network":"Visa (Signature)"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-08-11"},{"slug":"bank-of-america-travel-rewards","name":"Bank of America Travel Rewards","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/bank-of-america-travel-rewards","tagline":"1.5x on everything and a $250 bonus, with zero travel redemption rules","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"1.5x on everything, 3x via BofA Travel Center; points erase travel at 1 cent","Welcome bonus":"25,000 points after $1,000 in 90 days ($250 toward travel)","Regular APR":"17.49%-27.49% variable","Intro APR":"0% for 15 billing cycles (purchases + BT in first 60 days)","Recommended credit":"good (670+)","Issuer":"Bank of America","Network":"Visa (Signature)"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-08-11"},{"slug":"barclays-cd","name":"Barclays Online CD (12 Month)","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/barclays-cd","tagline":"The Barclays 12 month Online CD pays 4.15% APY with no minimum opening deposit.","categories":["CD Rates"],"facts":{"APY":"4.15%","Term":"12 months","Minimum deposit":"None","Early withdrawal penalty":"90 days simple interest on the amount withdrawn for terms of 24 months or less, which covers this 12 month CD. Terms longer than 24 months are charged 180 days. Any shortfall is deducted from principal.","FDIC":"Member FDIC, $250k per depositor per ownership category (Barclays Bank Delaware)","Institution":"Barclays Bank Delaware"},"ratesVerifiedOn":"2026-10-06","updatedOn":"2026-10-06"},{"slug":"barclays-tiered-savings","name":"Barclays Tiered Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/barclays-tiered-savings","tagline":"3.50% APY, rising to 3.65% on balances of $250k to $1M","categories":["High-Yield Savings"],"facts":{"APY":"3.5%","APY note":"3.65% APY on $250k to $1M; tier rate applies to the entire balance. The 3.65% tier exceeds FDIC coverage for a single depositor.","Minimum deposit":"None","Monthly fee":"None","FDIC":"Direct, Member FDIC, $250k (the 3.65% tier exceeds FDIC coverage for a single depositor)","Institution":"Barclays Bank Delaware","ATM access":"No"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-02"},{"slug":"bask-interest-savings","name":"Bask Interest Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/bask-interest-savings","tagline":"3.75% APY base, stackable boosts to 4.10%, backed by Texas Capital Bank","categories":["High-Yield Savings"],"facts":{"APY":"3.75%","APY note":"Up to 4.10% with stackable boosts: 0.10% new-customer boost (open by 7/31/26) plus 0.25% activity boost","Minimum deposit":"None","Monthly fee":"None","FDIC":"Via Texas Capital Bank charter, $250k","Institution":"Bask Bank (division of Texas Capital Bank)","ATM access":"No"},"ratesVerifiedOn":"2026-09-20","updatedOn":"2026-10-02"},{"slug":"bcred","name":"Blackstone Private Credit Fund (BCRED)","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/bcred","tagline":"$2,500 via advisor: the largest non-traded BDC, ~9% distributions, gated exits","categories":["Alternative Investing"],"facts":{"Minimum investment":"$2,500","Accreditation":"Not required","Fees":"1.25% management on net assets + 12.5% incentive on income (5% hurdle) + servicing (Class S 0.85%, Class D 0.25%) + upfront placement fees up to ~3.5% on Class S","Target return":"~9.0% annualized on NAV after the June 2026 cut to $0.18/share Class I (issuer-reported)","Liquidity":"Quarterly share repurchases capped at 5% of shares outstanding; board can suspend","Founded":"2021"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-02"},{"slug":"betterment-cash-reserve","name":"Betterment Cash Reserve","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/betterment-cash-reserve","tagline":"3.25% APY with a 0.75% new-customer boost and multi-million FDIC sweep","categories":["High-Yield Savings"],"facts":{"APY":"3.25%","APY note":"+0.75% new-customer boost on up to $1M with qualifying deposit, advertised through 1/15/27; confirm terms at signup","Minimum deposit":"$10","Monthly fee":"None","FDIC":"Pass-through via program banks; advertised up to $4M individual / $8M joint (verify exact current figure)","Institution":"Betterment (deposits swept to program banks)","ATM access":"No"},"ratesVerifiedOn":"2026-08-25","updatedOn":"2026-10-02"},{"slug":"bilt-blue","name":"Bilt Blue Card","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/bilt-blue","tagline":"The only card earning points on rent and mortgage, now tied to card spend","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"Up to 1.25x rent and mortgage (scaled by card spend), 1x everyday, optional 4% Bilt Cash mode","Welcome bonus":"$100 in Bilt Cash on approval","Regular APR":"26.74%-34.74% variable","Intro APR":"10% intro APR on purchases for 12 billing cycles","Recommended credit":"good (670+)","Issuer":"Bilt (issued by Column N.A., serviced by Cardless)","Network":"Mastercard"},"ratesVerifiedOn":"2026-10-05","updatedOn":"2026-08-11"},{"slug":"bmo-alto-cd","name":"BMO Alto Online Certificate of Deposit","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/bmo-alto-cd","tagline":"BMO Alto's top CD is 3.00% APY at 5 years, the exact rate its own no lock savings account pays.","categories":["CD Rates"],"facts":{"APY":"3%","Term":"60 months","Minimum deposit":"None","Compounding":"Daily, credited monthly","FDIC":"Member FDIC through BMO Bank N.A., $250,000 per depositor per ownership category; Alto balances are not separately insured and count toward your existing BMO Bank N.A. limit","Institution":"BMO Bank N.A., operating as Alto"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-06"},{"slug":"bmo-alto-online-savings","name":"BMO Alto Online Savings Account","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/bmo-alto-online-savings","tagline":"BMO's web-only Alto brand pays 3.00% APY with zero fees and minimums, but no app, no ATM card, and no branch support.","categories":["High-Yield Savings"],"facts":{"APY":"3%","APY note":"As of August 11, 2026; variable. Down from 3.15% in February 2026.","Minimum deposit":"None","Monthly fee":"None","FDIC":"Member FDIC via BMO Bank N.A., $250k; not separately insured from other BMO deposits","Institution":"BMO Bank N.A. (Alto online-only division)","ATM access":"No"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-05"},{"slug":"bread-savings","name":"Bread Savings High-Yield Savings Account","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/bread-savings","tagline":"Bread Financial's online savings arm pays 3.95% APY on all balances with a $100 minimum and no monthly fee.","categories":["High-Yield Savings"],"facts":{"APY":"3.95%","APY note":"Variable; all balances earn the same rate. Verified on breadfinancial.com on 2026-08-11.","Minimum deposit":"$100","Monthly fee":"None","FDIC":"Member FDIC via Comenity Capital Bank, $250k per depositor","Institution":"Bread Financial (deposits held at Comenity Capital Bank)","ATM access":"No"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-04"},{"slug":"bread-savings-cd","name":"Bread Savings Certificate of Deposit (18 Month CD)","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/bread-savings-cd","tagline":"Bread Savings pays 4.50% APY on its 18 month CD, the top rate in its lineup, with $1,500 minimum.","categories":["CD Rates"],"facts":{"APY":"4.5%","Term":"18 months","Minimum deposit":"$1,500","Early withdrawal penalty":"180 days simple interest on the principal at the rate in effect, for terms of 12 months to three years including this 18 month CD. Terms under 12 months are charged 90 days and terms of four years and up are charged 365 days. Partial principal withdrawals are not permitted.","Compounding":"Daily, credited monthly","FDIC":"Member FDIC, $250k per depositor per ownership category","Institution":"Comenity Capital Bank (Bread Savings, a Bread Financial brand)"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-02"},{"slug":"briodirect-high-yield-savings","name":"BrioDirect High-Yield Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/briodirect-high-yield-savings","tagline":"3.75% APY from Webster Bank after a 45bps mid-July cut, $5,000 to open","categories":["High-Yield Savings"],"facts":{"APY":"3.75%","APY note":"Cut from 4.20% earlier in July 2026","Minimum deposit":"$5,000","Monthly fee":"None","FDIC":"Via Webster Bank charter, $250k","Institution":"Webster Bank, N.A. (BrioDirect brand)","ATM access":"No"},"ratesVerifiedOn":"2026-10-03","updatedOn":"2026-10-03"},{"slug":"cais","name":"CAIS","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/cais","tagline":"Advisor-only alts platform serving 7,400+ firms; institutional diligence, no retail door","categories":["Alternative Investing"],"facts":{"Accreditation":"Required","Fees":"Platform/feeder fees layered on underlying fund fees","Target return":"n/a (conduit, not issuer)","Liquidity":"Depends on the underlying fund","Founded":"2009"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-05"},{"slug":"capital-one-360-cd","name":"Capital One 360 CD (12 Month)","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/capital-one-360-cd","tagline":"The Capital One 360 CD pays 4.00% APY on 12 months with no minimum deposit and real branch access.","categories":["CD Rates"],"facts":{"APY":"4%","Term":"12 months","Minimum deposit":"None","Early withdrawal penalty":"3 months of interest for terms of 12 months or less, which covers this 12 month CD. Terms longer than 12 months are charged 6 months of interest. Partial withdrawals are not allowed.","Compounding":"Accrued daily, compounded and credited monthly","FDIC":"Member FDIC, $250k per depositor per ownership category. Capital One and Discover Bank accounts opened on or after May 18, 2025 are combined for coverage purposes.","Institution":"Capital One"},"ratesVerifiedOn":"2026-10-01","updatedOn":"2026-10-01"},{"slug":"capital-one-360-checking","name":"Capital One 360 Checking","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/capital-one-360-checking","tagline":"A no-fee checking account with 70,000+ free ATMs and three overdraft options, but only 0.10% APY.","categories":["Checking Accounts"],"facts":{"APY":"0.1%","APY note":"0.10% APY across all balance tiers, from $0 to $100,000 and above. Rates are variable and may change at Capital One's discretion.","Monthly fee":"None","Monthly fee waiver":"Not applicable, there is no monthly fee to waive.","Minimum to open":"None","Overdraft":"Three options at no charge: Auto-Decline (the default), Free Savings Transfer from a linked Capital One savings or money market account, and No-Fee Overdraft, which requires regular deposits of at least $250 during two of the previous three calendar months. No overdraft fee applies under any option.","ATM network":"70,000+ fee-free Capital One, MoneyPass, and Allpoint ATMs. Debit purchases and ATM withdrawals are capped at $5,000 per day, with app-initiated ATM withdrawals limited to $500 daily and $2,000 monthly.","Check writing":"Yes","Early direct deposit":"Up to 2 days earlier for eligible customers.","FDIC":"Member FDIC, $250,000 per depositor, per ownership category","Institution":"Capital One, N.A."},"ratesVerifiedOn":"2026-10-05","updatedOn":"2026-09-07"},{"slug":"capital-one-360-performance-savings","name":"Capital One 360 Performance Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/capital-one-360-performance-savings","tagline":"3.00% APY with real cash deposits via branches, cafes, and CVS","categories":["High-Yield Savings"],"facts":{"APY":"3%","Minimum deposit":"None","Monthly fee":"None","FDIC":"Direct, Member FDIC, $250k","Institution":"Capital One, N.A.","ATM access":"Yes"},"ratesVerifiedOn":"2026-10-01","updatedOn":"2026-10-01"},{"slug":"capital-one-platinum-secured","name":"Capital One Platinum Secured","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/capital-one-platinum-secured","tagline":"Rebuild credit from a $49 deposit with no annual fee","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"None","Welcome bonus":"None","Recommended credit":"rebuilding/no credit","Issuer":"Capital One","Network":"Mastercard"},"ratesVerifiedOn":"2026-10-01","updatedOn":"2026-08-11"},{"slug":"capital-one-quicksilver","name":"Capital One Quicksilver Cash Rewards","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/capital-one-quicksilver","tagline":"Simple 1.5% on everything with a 15-month 0% window and no foreign fees","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"1.5% on everything, 5% hotels/rental cars via Capital One Travel","Welcome bonus":"$200 after $500 in 3 months","Regular APR":"18.49%-28.49% variable","Intro APR":"0% for 15 months on purchases and balance transfers (3% BT fee)","Recommended credit":"good (670+)","Issuer":"Capital One","Network":"Visa or Mastercard (varies by offer)"},"ratesVerifiedOn":"2026-10-06","updatedOn":"2026-08-11"},{"slug":"capital-one-savor","name":"Capital One Savor Cash Rewards","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/capital-one-savor","tagline":"Uncapped 3% dining, groceries, entertainment and streaming, plus 5% Capital One Travel, no fee","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"3% dining, groceries (excluding superstores), entertainment and popular streaming; 5% hotels, vacation rentals and rental cars via Capital One Travel; 1% other","Welcome bonus":"$200 after $500 in 3 months","Regular APR":"18.49%-28.49% variable","Intro APR":"0% for 12 months on purchases and balance transfers","Recommended credit":"good (670+)","Issuer":"Capital One","Network":"Mastercard"},"ratesVerifiedOn":"2026-10-03","updatedOn":"2026-09-25"},{"slug":"capital-one-savor-student","name":"Capital One Savor Student Cash Rewards","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/capital-one-savor-student","tagline":"Adult-grade 3% on dining, groceries and streaming in a student card","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"3% dining, entertainment, streaming and groceries (excl. superstores), 1% other","Welcome bonus":"$100 after $300 in 3 months (elevated, from June 9, 2026)","Recommended credit":"student/limited history","Issuer":"Capital One","Network":"Mastercard"},"ratesVerifiedOn":"2026-10-04","updatedOn":"2026-08-11"},{"slug":"capital-one-spark-cash-plus","name":"Capital One Spark Cash Plus","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/capital-one-spark-cash-plus","tagline":"Uncapped 2% business cash back with bonuses that scale past $500k in spend","categories":["Credit Cards"],"facts":{"Annual fee":"$150","Rewards":"2% on everything, uncapped; 5% via Capital One Travel","Welcome bonus":"$2,000 after $30,000 in 3 months, plus $500 travel credit, plus $2,000 per $500k spent in year one","Recommended credit":"excellent business credit","Issuer":"Capital One","Network":"Visa"},"ratesVerifiedOn":"2026-10-03","updatedOn":"2026-08-11"},{"slug":"capital-one-venture","name":"Capital One Venture Rewards","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/capital-one-venture","tagline":"Flat 2x miles on everything and a 75k bonus for $95, no homework required","categories":["Credit Cards"],"facts":{"Annual fee":"$95","Rewards":"2x miles on everything, 5x hotels/rental cars via Capital One Travel","Welcome bonus":"75,000 miles after $4,000 in 3 months","Regular APR":"19.49%-28.49% variable","Recommended credit":"good-excellent (700+)","Issuer":"Capital One","Network":"Visa"},"ratesVerifiedOn":"2026-10-01","updatedOn":"2026-10-01"},{"slug":"capital-one-venture-x","name":"Capital One Venture X Rewards","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/capital-one-venture-x","tagline":"$395 premium travel card that nearly pays for itself in credits and miles","categories":["Credit Cards"],"facts":{"Annual fee":"$395","Rewards":"2x everything, 10x hotels/rental cars and 5x flights via Capital One Travel","Welcome bonus":"75,000 miles after $4,000 in 3 months","Regular APR":"19.49%-28.49% variable","Recommended credit":"excellent (740+)","Issuer":"Capital One","Network":"Visa (Infinite)"},"ratesVerifiedOn":"2026-10-01","updatedOn":"2026-10-01"},{"slug":"capital-one-ventureone","name":"Capital One VentureOne Rewards","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/capital-one-ventureone","tagline":"Free entry to Capital One miles at 1.25x, with the same transfer partners","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"1.25x on everything, 5x hotels/vacation rentals/rental cars via Capital One Travel","Welcome bonus":"20,000 miles after $500 in 3 months","Intro APR":"0% intro on purchases and balance transfers commonly offered (duration varies by version)","Recommended credit":"good (670+)","Issuer":"Capital One","Network":"Visa"},"ratesVerifiedOn":"2026-10-07","updatedOn":"2026-08-11"},{"slug":"cash-app-savings","name":"Cash App Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/cash-app-savings","tagline":"Cash App's built-in savings pays 3.25% APY with direct deposit or card spend, but just 1.5% without the activity.","categories":["High-Yield Savings"],"facts":{"APY":"3.25%","APY note":"Requires Green Status: $300+ in monthly paycheck direct deposits or $500+ in monthly Cash App Card spend. Base rate is 1.5% APY. As of August 2026.","Minimum deposit":"$1","Monthly fee":"None","FDIC":"Pass-through FDIC via Wells Fargo Bank, N.A., $250k (requires a Cash App Card or sponsored account)","Institution":"Block, Inc. (Cash App); deposits held at Wells Fargo Bank, N.A.","ATM access":"No"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-04"},{"slug":"chase-aeroplan","name":"Aeroplan Credit Card","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-aeroplan","tagline":"Chase's Air Canada card: free first checked bags, Aeroplan 25K status, and 3x on groceries and dining for $95 a year.","categories":["Credit Cards"],"facts":{"Annual fee":"$95","Rewards":"3x on groceries, dining, and Air Canada purchases, 1x on everything else, plus 500 bonus points per $2,000 spent each month (up to 1,500 monthly)","Welcome bonus":"75,000 points after $4,000 in purchases in the first 3 months, plus 25,000 more after $20,000 in the first 12 months (as of August 4, 2026)","Regular APR":"19.74% to 28.24% variable","Recommended credit":"Good to excellent","Issuer":"Chase","Network":"Mastercard (World Elite)"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-06"},{"slug":"chase-freedom-flex","name":"Chase Freedom Flex","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-freedom-flex","tagline":"Free rotating 5% categories plus rare cell phone insurance at $0","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"5% rotating quarterly categories (capped, activation required), 5% Chase Travel, 3% dining, 3% drugstores, 1% other","Welcome bonus":"$250 after $500 in 3 months (limited-time offer)","Regular APR":"18.24%-27.74% variable","Intro APR":"0% for 15 months on purchases and balance transfers","Recommended credit":"good (670+)","Issuer":"Chase","Network":"Mastercard"},"ratesVerifiedOn":"2026-08-26","updatedOn":"2026-09-25"},{"slug":"chase-freedom-rise","name":"Chase Freedom Rise","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-freedom-rise","tagline":"Chase's credit-builder: 1.5% back, no deposit, and a path into the ecosystem","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"1.5% on everything, limited-time 3% on dining (first 6 months, capped)","Welcome bonus":"$25 statement credit for enrolling in autopay within 3 months","Recommended credit":"limited/no credit history","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-05","updatedOn":"2026-08-11"},{"slug":"chase-freedom-unlimited","name":"Chase Freedom Unlimited","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-freedom-unlimited","tagline":"No-fee 1.5% floor, 3% dining and drugstores, $200 after $500 in 3 months.","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"5% Chase Travel, 3% dining, 3% drugstores, 1.5% everything else","Welcome bonus":"$200 after $500 in 3 months","Regular APR":"18.24%-27.74% variable","Intro APR":"0% for 15 months on purchases and balance transfers","Recommended credit":"good (670+)","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-02","updatedOn":"2026-09-25"},{"slug":"chase-ihg-one-rewards-premier","name":"IHG One Rewards Premier Credit Card","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-ihg-one-rewards-premier","tagline":"IHG's $99 Premier card: Platinum Elite status, an anniversary night worth up to 40,000 points, and a fourth award night free.","categories":["Credit Cards"],"facts":{"Annual fee":"$99","Rewards":"10x at IHG hotels from the card (more with membership and status), 5x on travel, dining, and gas, 3x on everything else","Welcome bonus":"140,000 bonus points after $3,000 in purchases in the first 3 months, plus 10,000 points for adding an authorized user (as of August 2026)","Regular APR":"19.24% to 29.99% variable","Recommended credit":"Good to excellent","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-06"},{"slug":"chase-ink-business-cash","name":"Chase Ink Business Cash","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-ink-business-cash","tagline":"No-fee 5% on office supplies and telecom, with a bonus up to $1,000","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"5% office supplies and internet/cable/phone (capped), 2% gas and restaurants (capped), 1% other","Welcome bonus":"Up to $1,000 (elevated June 2026); standard $750 after $6,000 in 3 months","Regular APR":"16.74%-24.74% variable","Intro APR":"0% for 12 months on purchases","Recommended credit":"good-excellent (690+)","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-01","updatedOn":"2026-08-11"},{"slug":"chase-ink-business-preferred","name":"Chase Ink Business Preferred","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-ink-business-preferred","tagline":"100,000 points after $8,000 in 3 months, 3x on ads, travel, shipping and telecom, $95 fee.","categories":["Credit Cards"],"facts":{"Annual fee":"$95","Rewards":"3x travel, shipping, internet/cable/phone and search/social ads on a combined $150,000 per year, then 1x","Welcome bonus":"100,000 points after $8,000 in 3 months","Regular APR":"17.74%-26.74% variable","Recommended credit":"good-excellent (690+)","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-04","updatedOn":"2026-09-07"},{"slug":"chase-ink-business-unlimited","name":"Chase Ink Business Unlimited","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-ink-business-unlimited","tagline":"Flat 1.5% business card currently paying a $1,000 welcome bonus at $0 fee","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"1.5% on everything, no caps","Welcome bonus":"$1,000 after $8,000 in 4 months (elevated, June 2026)","Intro APR":"0% for 12 months on purchases","Recommended credit":"good-excellent (690+)","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-03","updatedOn":"2026-08-11"},{"slug":"chase-marriott-bonvoy-boundless","name":"Marriott Bonvoy Boundless Credit Card","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-marriott-bonvoy-boundless","tagline":"Chase's $95 Marriott card earns an annual 35,000 point free night, Silver status, and 15 elite night credits every year.","categories":["Credit Cards"],"facts":{"Annual fee":"$95","Rewards":"6x at Marriott Bonvoy hotels, 3x on first $6,000 per year combined at grocery stores, gas stations, and dining, 2x on everything else","Welcome bonus":"4 Free Night Awards (each valued up to 50,000 points) after $3,000 in purchases in the first 3 months, plus up to $100 in airline statement credits through 6/30/2027","Regular APR":"19.24% to 29.99% variable","Recommended credit":"Good to excellent","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-04","updatedOn":"2026-10-04"},{"slug":"chase-sapphire-preferred","name":"Chase Sapphire Preferred","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-sapphire-preferred","tagline":"$95 travel card with 75,000 points after $5,000 and 1:1 transfers to Hyatt and United","categories":["Credit Cards"],"facts":{"Annual fee":"$95","Rewards":"5x Chase Travel, 3x dining, gas/EV, vacation rentals, streaming and online groceries, 2x other travel, 1x other","Welcome bonus":"75,000 points after $5,000 in 3 months (Chase page, September 7, 2026)","Regular APR":"19.24%-27.49% variable (max 29.99%)","Recommended credit":"good-excellent (690+)","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-03","updatedOn":"2026-09-07"},{"slug":"chase-sapphire-reserve","name":"Chase Sapphire Reserve","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-sapphire-reserve","tagline":"$795 annual fee, 100,000 points after $6,000 in 3 months, 8x on Chase Travel.","categories":["Credit Cards"],"facts":{"Annual fee":"$795","Rewards":"8x Chase Travel, 4x flights and hotels booked direct, 3x dining, 1x other","Welcome bonus":"100,000 points after $6,000 in 3 months","Regular APR":"19.49%-27.99% variable","Recommended credit":"excellent (740+)","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-03","updatedOn":"2026-09-07"},{"slug":"chase-savings","name":"Chase Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/chase-savings","tagline":"Chase's basic savings account pays 0.01% APY, about $1 per year on $10,000, in exchange for branch access and easy transfers.","categories":["High-Yield Savings"],"facts":{"APY":"0.01%","APY note":"Per Chase's consumer deposit rate sheet in effect August 7, 2026; all balance tiers pay the same rate, and Chase Premier Savings relationship rates top out at 0.02%","Minimum deposit":"None","Monthly fee":"$5","FDIC":"Member FDIC, $250k per depositor","Institution":"JPMorgan Chase Bank, N.A.","ATM access":"Yes"},"ratesVerifiedOn":"2026-10-04","updatedOn":"2026-10-04"},{"slug":"chase-slate","name":"Chase Slate","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-slate","tagline":"Reintroduced in 2026: 21 months of 0% APR on purchases and transfers, no rewards","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"None","Welcome bonus":"None","Regular APR":"18.24%-28.24% variable","Intro APR":"0% for 21 months on purchases and balance transfers","Recommended credit":"good (670+)","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-02","updatedOn":"2026-08-11"},{"slug":"chase-southwest-rapid-rewards-plus","name":"Southwest Rapid Rewards Plus Credit Card","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-southwest-rapid-rewards-plus","tagline":"Southwest's $99 entry card now earns its keep with a free first checked bag and 3,000 anniversary points.","categories":["Credit Cards"],"facts":{"Annual fee":"$99","Rewards":"2x points on Southwest purchases; 2x at gas stations and grocery stores (first $5,000 combined per anniversary year); 1x elsewhere","Welcome bonus":"50,000 points after $1,000 in purchases in the first 3 months (as of Aug 2026)","Regular APR":"19.24%-27.74% variable","Intro APR":"None","Recommended credit":"Good to Excellent (670+)","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-03","updatedOn":"2026-10-03"},{"slug":"chase-southwest-rapid-rewards-priority","name":"Southwest Rapid Rewards Priority Credit Card","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-southwest-rapid-rewards-priority","tagline":"Southwest's $229 top consumer card trades the old $75 credit for seat selection at booking and 4x points on Southwest.","categories":["Credit Cards"],"facts":{"Annual fee":"$229","Rewards":"4x points on Southwest purchases; 2x at gas stations and restaurants; 1x elsewhere","Welcome bonus":"60,000 points after $2,000 in purchases in the first 3 months (as of Aug 2026)","Regular APR":"19.24%-27.74% variable","Intro APR":"None","Recommended credit":"Good to Excellent (670+)","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-04","updatedOn":"2026-10-04"},{"slug":"chase-total-checking","name":"Chase Total Checking","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/chase-total-checking","tagline":"Chase's flagship checking account costs $15 a month unless $500 in electronic deposits lands each statement period.","categories":["Checking Accounts"],"facts":{"APY":"0%","APY note":"Does not earn interest, per Chase's product disclosure effective June 14, 2026.","Monthly fee":"$15","Monthly fee waiver":"$0 with any one per statement period: $500+ in qualifying electronic deposits; $1,500+ balance at the beginning of each day; $5,000+ average beginning day balance across this account plus linked Chase deposits or investments; or a link to a qualifying Chase premium checking account. Zelle, cash, checks, wires, and interest payments do not count as qualifying electronic deposits.","Minimum to open":"None","Overdraft":"$34 per item, maximum 3 per business day ($102). Overdraft Assist charges $0 if you are overdrawn by $50 or less at the end of the business day, or if you return to within $50 overdrawn by the end of the next business day.","ATM network":"More than 14,000 Chase ATMs and 5,000 branches. Non-Chase ATMs cost $3 per withdrawal in the US and $5 outside the US, plus the operator's surcharge.","Check writing":"Yes","FDIC":"JPMorgan Chase Bank, N.A., Member FDIC. $250,000 per depositor, per institution, per ownership category.","Institution":"JPMorgan Chase Bank, N.A."},"ratesVerifiedOn":"2026-10-06","updatedOn":"2026-10-06"},{"slug":"chase-united-explorer","name":"United Explorer Card","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-united-explorer","tagline":"United's $150 mid-tier card covers a free first checked bag, two United Club passes a year, and 3x miles on United.","categories":["Credit Cards"],"facts":{"Annual fee":"$150","Rewards":"3x card miles on United purchases (9x total on United flights including 6x MileagePlus member fare miles); 2x on dining and direct hotel bookings; 1x elsewhere","Welcome bonus":"50,000 miles after $3,000 in 3 months, plus 10,000 for adding an authorized user in the first 3 months (up to 60,000; as of Aug 2026)","Regular APR":"19.74%-28.24% variable","Intro APR":"None","Recommended credit":"Good to Excellent (670+)","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-02","updatedOn":"2026-10-02"},{"slug":"chase-united-quest","name":"United Quest Card","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-united-quest","tagline":"A $350 United card that returns $200 in TravelBank cash yearly plus two free checked bags and a 10,000-mile award discount.","categories":["Credit Cards"],"facts":{"Annual fee":"$350","Rewards":"4x card miles on United purchases (10x total on United flights including member fare miles); 5x on prepaid Renowned Hotels and Resorts stays; 2x on other travel, dining, and select streaming; 1x elsewhere","Welcome bonus":"60,000 miles + 500 PQP after $4,000 in 3 months, plus 10,000 miles for adding an authorized user (up to 70,000; as of Aug 2026)","Regular APR":"19.74%-28.24% variable","Intro APR":"None","Recommended credit":"Good to Excellent (670+)","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-02","updatedOn":"2026-10-02"},{"slug":"chase-world-of-hyatt","name":"World of Hyatt Credit Card","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/chase-world-of-hyatt","tagline":"The $95 World of Hyatt Card returns an annual Category 1-4 free night plus 5 elite night credits toward Hyatt status.","categories":["Credit Cards"],"facts":{"Annual fee":"$95","Rewards":"4x at Hyatt hotels (up to 9x total with membership), 2x on dining, airline tickets bought direct, and local transit, 1x on everything else","Welcome bonus":"Up to 75,000 points: 45,000 after $5,000 in 3 months, plus up to 30,000 more via 2 bonus points per $1 on up to $15,000 spent in the first 6 months (as of August 2026, flagged as ending soon)","Regular APR":"19.24% to 29.99% variable","Recommended credit":"Good to excellent","Issuer":"Chase","Network":"Visa"},"ratesVerifiedOn":"2026-10-05","updatedOn":"2026-10-05"},{"slug":"chime-checking","name":"Chime Checking Account","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/chime-checking","tagline":"A no-fee mobile checking account with fee-free overdraft up to $200, but it pays no interest at all.","categories":["Checking Accounts"],"facts":{"APY":"0%","APY note":"The checking account pays no interest. The separate Chime Savings Account pays 0.75% APY base, 2.75% with Chime Plus, and 3.75% with Chime Prime, effective 07/13/2026.","Monthly fee":"None","Monthly fee waiver":"Not applicable, there is no monthly fee to waive.","Minimum to open":"None","Overdraft":"SpotMe covers up to $200 of overdrafts with no fee, and requires $200 or more in qualifying direct deposits per month. Starting limits are lower and increase with account history.","ATM network":"Over 47,000 fee-free ATMs via Allpoint, Visa Plus Alliance, and FCTI ATMs in 7-Eleven locations. $2.50 per out-of-network withdrawal.","Check writing":"No","Early direct deposit":"Up to 2 days early when the payer submits the ACH file ahead of the pay date.","FDIC":"Member FDIC through The Bancorp Bank, N.A. or Stride Bank, N.A., $250,000 per depositor, per insured bank, per ownership category","Institution":"The Bancorp Bank, N.A. or Stride Bank, N.A. (Chime is a financial technology company, not a bank)"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-05"},{"slug":"chime-savings","name":"Chime Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/chime-savings","tagline":"A no-fee, no-minimum savings account with a 0.75% base APY, and up to 3.75% on qualifying direct deposit.","categories":[],"facts":{},"ratesVerifiedOn":null,"updatedOn":"2026-09-23"},{"slug":"cit-bank-platinum-savings","name":"CIT Bank Platinum Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/cit-bank-platinum-savings","tagline":"3.75% APY on $5,000+ after the CITBOOST promo ended; 0.25% under that","categories":["High-Yield Savings"],"facts":{"APY":"3.75%","APY note":"Standard tiers as of September 7, 2026: 3.75% at $5,000+, 0.25% under $5,000. CITBOOST promo (4.10% / 0.60%) ended August 31, 2026.","Minimum deposit":"$100","Monthly fee":"None","FDIC":"Direct via First Citizens charter, $250k (aggregate with other CIT/First Citizens deposits)","Institution":"CIT Bank (division of First Citizens Bank)","ATM access":"No"},"ratesVerifiedOn":"2026-10-07","updatedOn":"2026-09-07"},{"slug":"cit-bank-term-cd","name":"CIT Bank Term CD","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/cit-bank-term-cd","tagline":"CIT pays 4.00% APY on its 1 year Term CD while its 2 to 5 year CDs pay 0.40% to 0.50%.","categories":["CD Rates"],"facts":{"APY":"4%","Term":"1 year","Minimum deposit":"$1,000","Compounding":"Daily","FDIC":"Member FDIC, $250,000 per depositor, per ownership category","Institution":"CIT Bank, a division of First Citizens Bank"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-04"},{"slug":"citi-aadvantage-platinum-select","name":"Citi / AAdvantage Platinum Select World Elite Mastercard","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/citi-aadvantage-platinum-select","tagline":"American Airlines flyers get 80,000 bonus miles, free checked bags, and preferred boarding for a $99 fee waived the first year.","categories":["Credit Cards"],"facts":{"Annual fee":"$99","Rewards":"2x miles on eligible American Airlines purchases, at gas stations, and at restaurants including takeout; 1x on everything else; spending earns Loyalty Points toward AAdvantage elite status","Welcome bonus":"80,000 AAdvantage miles after $3,500 in purchases in the first 4 months (elevated offer as of August 2026; the standard offer has been 50,000)","Regular APR":"19.49% to 29.49% variable","Intro APR":"None","Recommended credit":"Good to excellent","Issuer":"Citi","Network":"Mastercard"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-07"},{"slug":"citi-accelerate-savings","name":"Citi Accelerate Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/citi-accelerate-savings","tagline":"Citi's online savings account pays a reported 3.15% APY, but only to residents of states where Citi has no branches.","categories":["High-Yield Savings"],"facts":{"APY":"3.15%","APY note":"Per June 2026 reporting; Citi displays the exact rate by zip code, the rate is variable, and the account cannot be opened in Citi branch states","Minimum deposit":"None","Monthly fee":"$4.5","FDIC":"Member FDIC, $250k per depositor","Institution":"Citibank, N.A.","ATM access":"Yes"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-06"},{"slug":"citi-diamond-preferred","name":"Citi Diamond Preferred Card","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/citi-diamond-preferred","tagline":"A no-annual-fee balance transfer card with 21 months of 0% APR, one of the longest interest-free windows from a major issuer.","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"No rewards program; the card is built for balance transfers, with perks limited to Citi Entertainment access and a free FICO score","Welcome bonus":"None","Regular APR":"16.49% to 27.24% variable","Intro APR":"0% for 21 months on balance transfers (transfers must be completed within 4 months of opening); 0% for 12 months on purchases","Recommended credit":"Good to excellent","Issuer":"Citi","Network":"Mastercard"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-07"},{"slug":"citi-double-cash","name":"Citi Double Cash","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/citi-double-cash","tagline":"The 2% flat-rate benchmark, now with an 18-month balance transfer window","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"2% on everything (1% buy + 1% pay)","Welcome bonus":"$200 (as 20,000 ThankYou points) after $1,500 in 6 months","Regular APR":"17.49%-27.49% variable","Intro APR":"0% for 18 months on balance transfers only","Recommended credit":"good (670+)","Issuer":"Citi","Network":"Mastercard"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-03"},{"slug":"citi-regular-checking","name":"Citi Regular Checking","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/citi-regular-checking","tagline":"Citi's standard checking tier costs $15 a month, waived by $250 in monthly deposits, and it charges no overdraft fees at all.","categories":["Checking Accounts"],"facts":{"APY":"0%","APY note":"Citi does not publish an APY for Regular Checking on its account comparison page or in the Simplified Banking Fact Sheet, and it is not marketed as an interest bearing account.","Monthly fee":"$15","Monthly fee waiver":"$0 in months with $250 or more in direct deposits or other qualifying transactions, or with Citi Priority, Citigold, or Citigold Private Client relationship tier status. Citi Priority starts at $30,000 in combined average monthly balance.","Minimum to open":"None","Overdraft":"No overdraft fees. Citi states it will not charge an overdraft fee, though permitting overdrafts is discretionary. Safety Check transfers from a linked money market or savings account, and a Checking Plus variable rate line of credit is available subject to credit approval.","ATM network":"Fee-free at Citibank ATMs. Non-Citi ATMs cost $2.50 per transaction, and this fee cannot be waived on Regular Checking except through Citi Priority, Citigold, or Citigold Private Client status.","Check writing":"Yes","FDIC":"Citibank, N.A., Member FDIC. $250,000 per depositor, for each account ownership category.","Institution":"Citibank, N.A."},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-06"},{"slug":"citi-simplicity","name":"Citi Simplicity","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/citi-simplicity","tagline":"21 months of 0% on transfers with no late fees and no penalty APR, ever","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"None","Welcome bonus":"None","Intro APR":"0% for 21 months on balance transfers, 0% for 12 months on purchases","Recommended credit":"good (670+)","Issuer":"Citi","Network":"Mastercard"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-08-11"},{"slug":"citi-strata-elite","name":"Citi Strata Elite","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/citi-strata-elite","tagline":"Citi's $595 premium play: Priority Pass, hotel status and a 75k-point bonus","categories":["Credit Cards"],"facts":{"Annual fee":"$595","Rewards":"Headline 12x CitiTravel hotels/cars, 6x air; multipliers across travel, dining, groceries","Welcome bonus":"75,000 ThankYou points after $6,000 in 3 months","Recommended credit":"excellent (740+)","Issuer":"Citi","Network":"Mastercard (World Elite)"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-08-11"},{"slug":"citi-strata-premier","name":"Citi Strata Premier","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/citi-strata-premier","tagline":"The widest 3x coverage in the $95 tier, plus a $100 annual hotel credit","categories":["Credit Cards"],"facts":{"Annual fee":"$95","Rewards":"10x CitiTravel hotels/cars/attractions, 3x air travel, hotels, restaurants, supermarkets, gas/EV, 1x other","Welcome bonus":"60,000 ThankYou points after $4,000 in 3 months","Regular APR":"20.24%-28.24% variable","Recommended credit":"good-excellent (700+)","Issuer":"Citi","Network":"Mastercard (World Elite)"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-08-11"},{"slug":"citizens-access-savings","name":"Citizens Access Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/citizens-access-savings","tagline":"Citizens Bank's online division pays 2.80% APY from one cent up with zero fees, though the rate has slid since 2025.","categories":["High-Yield Savings"],"facts":{"APY":"2.8%","APY note":"As of 2026-08-04 per Bankrate's rate tracker, confirmed 2026-08-11 on DepositAccounts; down from 3.50% in August 2025 after five cuts.","Minimum deposit":"$0.01","Monthly fee":"None","FDIC":"Member FDIC (Citizens Bank, N.A., cert 57957), $250k shared with Citizens Bank branch deposits","Institution":"Citizens Bank, N.A. (Citizens Access division)","ATM access":"No"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-05"},{"slug":"concreit","name":"Concreit","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/concreit","tagline":"Concreit is a $1 minimum Reg A+ real estate debt fund paying weekly distributions at a 6.30% annualized rate as of August 2026.","categories":["Alternative Investing"],"facts":{"Minimum investment":"$1","Accreditation":"Not required","Fees":"1% annual fund-level management fee on NAV; $5/month account fee on balances under $5,000 per Concreit's help center (1% annual for $5,000+); redemption cost 2% under 1 year, 1% in years 1 to 2, 0% after","Target return":"6.30% annualized distribution rate for August 2026 on a $1.00 basis (about 6.65% at the $0.96 purchase price), paid weekly, set monthly by the manager","Liquidity":"60-day hold on new deposits; monthly redemptions at manager discretion, typically capped at 10% of outstanding shares per rolling 3-month period","Founded":"2018"},"ratesVerifiedOn":"2026-10-05","updatedOn":"2026-10-05"},{"slug":"connect-invest","name":"Connect Invest","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/connect-invest","tagline":"Connect Invest Short Notes pay 7.5% to 9% fixed interest on real estate debt from $500, with no accreditation required.","categories":["Alternative Investing"],"facts":{"Minimum investment":"$500","Accreditation":"Not required","Fees":"None to investors: no platform, account, or investment fees per the official FAQ","Target return":"Fixed 7.5% (6 mo), 7.75% (6 mo roll-over), 8% (12 mo), 9% (24 mo) annualized, paid monthly","Liquidity":"Principal locked until the 6, 12, or 24 month maturity; early liquidation possible with interest forfeiture per the offering circular; monthly interest goes to a wallet withdrawable anytime","Founded":"2020"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-05"},{"slug":"copilot-money","name":"Copilot Money","kind":"fintech-tool","type":"Other money tools","url":"https://financeradar.com/tools/copilot-money","tagline":"Premium Apple-first budgeting app with best-in-class AI categorization","categories":["Net Worth Trackers"],"facts":{},"ratesVerifiedOn":"2026-08-08","updatedOn":"2026-08-08"},{"slug":"crowdstreet","name":"CrowdStreet","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/crowdstreet","tagline":"Accredited-only commercial real estate fund platform, from $25,000 per fund","categories":["Alternative Investing"],"facts":{"Minimum investment":"$25,000","Accreditation":"Required","Fees":"Historically no direct platform fee to investors (sponsor-paid); fund-level fees vary; managed accounts charge advisory fees","Target return":"Not published; the platform does not prominently market realized returns","Liquidity":"Multi-year lockups; no redemption on closed-end funds","Founded":"2013"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-09-25"},{"slug":"current-checking","name":"Current","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/current-checking","tagline":"A no-fee mobile checking account with Savings Pods paying up to 4.00% APY and fee-free overdraft up to $200.","categories":["Checking Accounts"],"facts":{"APY":"0%","APY note":"The spending account is explicitly not interest bearing per the Deposit Account Agreement. Savings Pods pay up to 4.00% APY at the Boost rate, which requires at least one Eligible Payroll Deposit of $200 or more over a 35 day period.","Monthly fee":"None","Monthly fee waiver":"No monthly fee to waive. A $5.00 monthly inactivity fee applies after twelve consecutive months of inactivity, and closing the account costs $10.00.","Minimum to open":"None","Overdraft":"No overdraft fees. Fee-free overdraft through Overdrive, commonly cited at up to $200, requires a minimum of $200 in Eligible Direct Deposits over the preceding 35 day period. The limit may vary and is subject to change, and balances must be repaid within 60 days of the first eligible transaction.","ATM network":"More than 40,000 fee-free Allpoint ATMs at retailers such as CVS, Walgreens, and McDonald's. Out of network withdrawals cost $3.50 each plus the operator's surcharge. Cash deposits at partner retailers cost $3.50.","Check writing":"No","Early direct deposit":"Eligible direct deposits released up to two days early.","FDIC":"Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. Pass-through insurance up to $250,000, subject to conditions that may leave funds not fully insured.","Institution":"Finco Services, Inc. dba Current; banking services by Choice Financial Group and/or Cross River Bank"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-01"},{"slug":"current-savings-pods","name":"Current Savings Pods","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/current-savings-pods","tagline":"4.00% APY on up to $6,000 in Savings Pods with $200+/mo direct deposit","categories":["High-Yield Savings"],"facts":{"APY":"4%","APY note":"Boost on up to 3 Savings Pods, $2,000 each ($6,000 total cap); requires $200+/mo qualifying direct deposit; 0.25% without","Minimum deposit":"None","Monthly fee":"None","FDIC":"Pass-through via partner banks, $250k","Institution":"Current (fintech; deposits via Choice Financial Group and Cross River Bank)","ATM access":"Yes"},"ratesVerifiedOn":"2026-10-07","updatedOn":"2026-10-07"},{"slug":"discover-it-cash-back","name":"Discover it Cash Back","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/discover-it-cash-back","tagline":"Rotating 5% categories with every dollar of year-one cash back matched","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"5% rotating quarterly categories (capped, activation required), 1% other","Welcome bonus":"Cashback Match: all year-one cash back matched, unlimited","Regular APR":"17.49%-26.49% variable","Intro APR":"0% for 15 months on purchases and balance transfers","Recommended credit":"good (670+)","Issuer":"Discover","Network":"Discover"},"ratesVerifiedOn":"2026-10-07","updatedOn":"2026-10-07"},{"slug":"discover-it-chrome","name":"Discover it Chrome","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/discover-it-chrome","tagline":"A no-annual-fee card earning 2% at gas stations and restaurants, doubled in year one by Discover's Cashback Match.","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"2% cash back at gas stations and restaurants on up to $1,000 in combined purchases per quarter (then 1%), 1% on everything else; Cashback Match doubles all cash back earned in the first year","Welcome bonus":"Cashback Match: all cash back earned in the first year is doubled automatically, with no cap","Regular APR":"17.49% to 26.49% variable","Intro APR":"0% for 6 months on purchases; 0% for 18 months on balance transfers (3% intro transfer fee)","Recommended credit":"Good to excellent","Issuer":"Discover","Network":"Discover"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-07"},{"slug":"discover-it-miles","name":"Discover it Miles","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/discover-it-miles","tagline":"1.5x on everything, doubled in year one for an effective 3% on all spending","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"1.5x miles on everything, redeemable at a flat 1 cent","Welcome bonus":"Mile Match: all year-one miles matched","Regular APR":"17.49%-26.49% variable","Intro APR":"0% for 15 months on purchases (BT from first transfer date)","Recommended credit":"good (670+)","Issuer":"Discover","Network":"Discover"},"ratesVerifiedOn":"2026-10-02","updatedOn":"2026-08-11"},{"slug":"dlp-capital","name":"DLP Capital","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/dlp-capital","tagline":"Private real estate funds for accredited investors with $100,000 to $500,000 minimums targeting 8% to 14% net annual returns.","categories":["Alternative Investing"],"facts":{"Minimum investment":"$100,000","Accreditation":"Required","Fees":"2% annual management fee on most funds (1.25% on Preferred Credit Fund) plus 20% performance fee on distributions above the preferred return; rebates of 0.50% to 1.25% from $1M invested","Target return":"8% to 14% net annual depending on fund; preferred returns of 6% to 10% paid monthly; Series A notes fixed at 8% or 9%","Liquidity":"Credit funds: redemptions with 90-day notice; equity funds: annual redemption windows; Series A notes: 5-year term; Living Fully fund: 6 to 8 year closed-end hold","Founded":"2006"},"ratesVerifiedOn":"2026-10-01","updatedOn":"2026-09-25"},{"slug":"elevault-high-yield-savings","name":"Elevault High-Yield Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/elevault-high-yield-savings","tagline":"4.34% APY paid daily on up to $500,000, the highest uncapped rate around","categories":["High-Yield Savings"],"facts":{"APY":"4.34%","APY note":"On balances up to $500,000; formulaic at Prime minus 2.50%, interest paid daily. $2,500 daily deposit limit.","Minimum deposit":"None","Monthly fee":"None","FDIC":"Pass-through to Southern Bancorp, $250k per depositor (single program bank, no extended coverage)","Institution":"Elevault (fintech; deposits via Southern Bancorp, Member FDIC)","ATM access":"No"},"ratesVerifiedOn":"2026-10-05","updatedOn":"2026-10-05"},{"slug":"empower-personal-dashboard","name":"Empower Personal Dashboard","kind":"fintech-tool","type":"Other money tools","url":"https://financeradar.com/tools/empower-personal-dashboard","tagline":"Free all-in-one net worth and investment dashboard, funded by an optional advisory upsell","categories":["Net Worth Trackers"],"facts":{},"ratesVerifiedOn":"2026-09-25","updatedOn":"2026-09-25"},{"slug":"equitymultiple","name":"EquityMultiple","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/equitymultiple","tagline":"$5,000 accredited CRE platform; fee-free short-term Alpine Notes are the flagship","categories":["Alternative Investing"],"facts":{"Minimum investment":"$5,000","Accreditation":"Required","Fees":"No fee on Alpine Notes; ~1% on debt/preferred deals; 0.5-1.5% on equity deals plus $30-70/yr admin fee and a promote on some equity deals","Target return":"Platform-reported Alpine Note APYs roughly 7.35-9.00% by term (3-9 months); deal-level target IRRs vary","Liquidity":"Alpine Notes mature in 3-9 months; equity deals lock capital 3-7 years","Founded":"2015"},"ratesVerifiedOn":"2026-10-07","updatedOn":"2026-09-25"},{"slug":"etrade-premium-savings","name":"E*TRADE Premium Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/etrade-premium-savings","tagline":"4.00% APY promo for 6 months on up to $10M, backed by Morgan Stanley","categories":["High-Yield Savings"],"facts":{"APY":"4%","APY note":"Promo 4.00% APY for first 6 months on up to $10M for new accounts opened June 5 to September 30, 2026. E*TRADE's own page prints a 3.50% base rate after the promo.","Minimum deposit":"None","Monthly fee":"None","FDIC":"Sweep across program banks, up to $500k individual / $1M joint","Institution":"Morgan Stanley Private Bank, N.A.","ATM access":"No"},"ratesVerifiedOn":"2026-09-17","updatedOn":"2026-09-07"},{"slug":"everbank-cd","name":"EverBank Performance CD","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/everbank-cd","tagline":"EverBank's best CD rate is 4.10% APY on a 7 month term, and that term auto renews into a lower paying CD.","categories":["CD Rates"],"facts":{"APY":"4.1%","Term":"7 months","Minimum deposit":"$1,000","Early withdrawal penalty":"Charged on principal withdrawn before maturity; EverBank's schedule runs from 22 to 456 days of simple interest depending on term, and the per term figures are not published on the public rates page","Compounding":"Daily","FDIC":"Member FDIC, $250,000 per depositor, per ownership category","Institution":"EverBank"},"ratesVerifiedOn":"2026-09-29","updatedOn":"2026-10-06"},{"slug":"everbank-performance-savings","name":"EverBank Performance Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/everbank-performance-savings","tagline":"3.90% APY uncapped with a pledge to stay in the top 5% of competitors","categories":["High-Yield Savings"],"facts":{"APY":"3.9%","APY note":"Advertised APY is for new accounts and may not apply to existing ones, per EverBank's own disclosure","Minimum deposit":"None","Monthly fee":"None","FDIC":"Direct, Member FDIC, $250k","Institution":"EverBank, N.A. (formerly TIAA Bank)","ATM access":"Yes"},"ratesVerifiedOn":"2026-09-27","updatedOn":"2026-10-04"},{"slug":"farmtogether","name":"FarmTogether","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/farmtogether","tagline":"$15,000 accredited permanent-crop farmland deals with deal-by-deal fee structures","categories":["Alternative Investing"],"facts":{"Minimum investment":"$15,000","Accreditation":"Required","Fees":"Deal-dependent: ~1-2% one-time at close, 1-2% annual management, plus NOI fees (up to 5%, or 20% of gross lease revenue on some row-crop deals)","Target return":"Platform-reported target net IRRs ~6-13% depending on crop type","Liquidity":"5-12 year holds; no liquidity","Founded":"2017"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-07"},{"slug":"fidelity-cash-management-account","name":"Fidelity Cash Management Account","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/fidelity-cash-management-account","tagline":"1.84% APY default sweep or 3.27-3.36% via SPAXX, with unlimited ATM rebates","categories":["High-Yield Savings"],"facts":{"APY":"1.84%","APY note":"Default FDIC deposit sweep rate; alternatively hold SPAXX money market core, 7-day yield 3.27-3.36% (SIPC-covered, not FDIC)","Minimum deposit":"None","Monthly fee":"None","FDIC":"Sweep across program banks up to $5M aggregate (verify current program max); SPAXX is SIPC-covered, not FDIC","Institution":"Fidelity Brokerage Services","ATM access":"Yes"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-07"},{"slug":"first-internet-bank-cd","name":"First Internet Bank CD","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/first-internet-bank-cd","tagline":"First Internet Bank tops out at 3.76% APY on a 6 month CD whose early withdrawal penalty exceeds the term.","categories":["CD Rates"],"facts":{"APY":"3.76%","Term":"6 months","Minimum deposit":"$1,000","Early withdrawal penalty":"180 days of interest on the 6 month term, which is more interest than the full term pays; 90 days at 3 months, 180 days at 12 and 18 months, 360 days at 24 through 60 months","Compounding":"Monthly","FDIC":"Member FDIC, $250,000 per depositor, per ownership category","Institution":"First Internet Bank of Indiana"},"ratesVerifiedOn":"2026-09-29","updatedOn":"2026-10-06"},{"slug":"first-internet-bank-money-market","name":"First Internet Bank Money Market Savings","kind":"money-market","type":"Money market accounts","url":"https://financeradar.com/money-market/first-internet-bank-money-market","tagline":"First Internet Bank pays 3.09% APY but charges $5 a month unless you keep a $4,000 average daily balance.","categories":["Money Market Accounts"],"facts":{"APY":"3.09%","APY note":"3.09% APY on daily balances of $1,000,000 or less, 3.64% on balances above $1,000,000; rates last updated 6/16/2026","Monthly fee":"$5","Minimum to open":"$100","ATM network":"Debit card ATM access with up to $10 per month in surcharge rebates; $750 daily ATM withdrawal limit","Check writing":"No","FDIC":"FDIC insured, $250k per depositor for each account ownership category","Institution":"First Internet Bank of Indiana"},"ratesVerifiedOn":"2026-10-05","updatedOn":"2026-10-05"},{"slug":"first-national-realty-partners","name":"First National Realty Partners","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/first-national-realty-partners","tagline":"Grocery-anchored shopping center deals for accredited investors at $50,000 per deal","categories":["Alternative Investing"],"facts":{"Minimum investment":"$50,000","Accreditation":"Required","Fees":"Not published publicly; disclosed per deal in offering documents. Third-party reviews cite roughly 0.5 to 1.5% annual asset management plus acquisition, property management, and disposition fees paid to FNRP affiliates","Target return":"Targeted 12 to 18% average annual returns with 6 to 9% cash distributions paid quarterly; not guaranteed, and pending lawsuits allege distributions on some deals were suspended","Liquidity":"None; deal-by-deal Rule 506(c) private placements with 3 to 7 year target holds and no secondary market","Founded":"2015"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-09-25"},{"slug":"forbright-growth-savings","name":"Forbright Growth Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/forbright-growth-savings","tagline":"3.85% APY as of September 6, 2026, with no fees and no minimums","categories":["High-Yield Savings"],"facts":{"APY":"3.85%","APY note":"3.85% APY accurate as of September 6, 2026 per Forbright. The 4.15% promo and $1,000 floor are no longer on the live page.","Minimum deposit":"None","Monthly fee":"None","FDIC":"Direct, Member FDIC, $250k","Institution":"Forbright Bank","ATM access":"No"},"ratesVerifiedOn":"2026-09-07","updatedOn":"2026-09-07"},{"slug":"fundrise","name":"Fundrise","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/fundrise","tagline":"$10 minimum, non-accredited real estate and credit funds with gated quarterly liquidity","categories":["Alternative Investing"],"facts":{"Minimum investment":"$10","Accreditation":"partial","Fees":"1.00% all-in on real estate funds (0.15% advisory + 0.85% management); Innovation Fund 1.85%; OCF II 1.75% management + 20% incentive over a 10% preferred return","Target return":"Platform-reported: Income accounts 7.57% for twelve months ended 3/31/26; OCF I 12.8% annualized distribution (Oct 2025); OCF II targets 9-11% net","Liquidity":"Quarterly redemption windows with possible penalties or gates on core funds; OCF II has no redemption provision","Founded":"2012"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-01"},{"slug":"go2bank-savings-vaults","name":"GO2bank Savings Vaults","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/go2bank-savings-vaults","tagline":"4.50% APY, the market's highest headline, capped at $5,000 in vaults","categories":["High-Yield Savings"],"facts":{"APY":"4.5%","APY note":"Only on up to $5,000 average daily balance across vaults, paid quarterly, requires active checking in good standing; balance above $5k earns nothing","Minimum deposit":"None","Monthly fee":"$5","FDIC":"Via Green Dot Bank, $250k","Institution":"Green Dot Bank (GO2bank brand)","ATM access":"Yes"},"ratesVerifiedOn":"2026-10-05","updatedOn":"2026-10-05"},{"slug":"groundfloor","name":"Groundfloor","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/groundfloor","tagline":"$10-per-loan fix-and-flip debt, no accreditation, going-concern risk at the operator","categories":["Alternative Investing"],"facts":{"Minimum investment":"$100","Accreditation":"Not required","Fees":"No investor-side fees on LROs, Notes, or the Flywheel Portfolio; borrowers pay origination and servicing","Target return":"Platform-reported ~10% average annualized since 2013 with sub-1% principal loss ratio","Liquidity":"No early exit on LROs; 6-18 month terms","Founded":"2013"},"ratesVerifiedOn":"2026-09-21","updatedOn":"2026-09-25"},{"slug":"happen-bank-cd","name":"Happen Bank Certificate of Deposit (2 Year CD)","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/happen-bank-cd","tagline":"Happen Bank's 2 year CD pays 4.30% APY, the only term that clearly beats its own savings account.","categories":["CD Rates"],"facts":{"APY":"4.3%","Term":"24 months","Minimum deposit":"$500","Early withdrawal penalty":"180 days simple interest for terms greater than 1 year, which covers this 2 year CD. Terms of 1 year or less are charged 90 days. Early withdrawal is permitted only with the bank's consent, except on death or declaration of legal incompetency.","Compounding":"Monthly, credited monthly","FDIC":"Member FDIC, $250k per depositor per ownership category","Institution":"Happen Bank (formerly LendingClub Bank)"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-03"},{"slug":"honeycomb-credit","name":"Honeycomb Credit","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/honeycomb-credit","tagline":"$100 community loans to main-street businesses, open to all; defaults run high","categories":["Alternative Investing"],"facts":{"Minimum investment":"$100","Accreditation":"Not required","Fees":"Percentage-based transaction fee capped at $10 per investment; no account fees","Target return":"Offered loan rates 6-14%, mostly quarterly-pay 60-month terms (platform-reported)","Liquidity":"None; hold to maturity, mostly 60-month terms","Founded":"2017"},"ratesVerifiedOn":"2026-10-07","updatedOn":"2026-10-07"},{"slug":"icapital","name":"iCapital","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/icapital","tagline":"Advisor-gated alt-fund rails with $100,000+ feeder minimums; no direct retail signup","categories":["Alternative Investing"],"facts":{"Minimum investment":"$100,000","Accreditation":"Required","Fees":"Feeder-level servicing/administration fees layered on underlying fund fees (varies by fund)","Target return":"n/a (conduit, not issuer)","Liquidity":"Depends on the underlying fund; typically interval or tender-offer structures","Founded":"2013"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-03"},{"slug":"ivy-bank-high-yield-savings","name":"Ivy Bank High-Yield Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/ivy-bank-high-yield-savings","tagline":"Cambridge Savings Bank's digital brand pays 3.85% APY on balances of $2,500 or more, with no monthly fee.","categories":["High-Yield Savings"],"facts":{"APY":"3.85%","APY note":"Effective July 16, 2026; balances of $10 to $2,499.99 earn 0.05%, and the stated APY is paid on balances up to $1,000,000","Minimum deposit":"$2,500","Monthly fee":"None","FDIC":"FDIC insured via Cambridge Savings Bank; the two share one $250k limit per depositor","Institution":"Ivy Bank, a division of Cambridge Savings Bank","ATM access":"No"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-07"},{"slug":"kubera","name":"Kubera","kind":"fintech-tool","type":"Other money tools","url":"https://financeradar.com/tools/kubera","tagline":"Premium net worth tracker for crypto, real estate, and alternative assets","categories":["Net Worth Trackers"],"facts":{},"ratesVerifiedOn":"2026-08-08","updatedOn":"2026-08-08"},{"slug":"lendingclub-levelup-savings","name":"LendingClub LevelUp Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/lendingclub-levelup-savings","tagline":"4.00% APY uncapped in any month you deposit $250 or more","categories":["High-Yield Savings"],"facts":{"APY":"4%","APY note":"LevelUp rate in months you deposit $250+; 3.00% otherwise. Behavior-gated, not balance-gated.","Minimum deposit":"None","Monthly fee":"None","FDIC":"Direct, Member FDIC, $250k","Institution":"LendingClub Bank, N.A.","ATM access":"Yes"},"ratesVerifiedOn":"2026-09-18","updatedOn":"2026-10-06"},{"slug":"lofty","name":"Lofty","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/lofty","tagline":"Buy $50 blockchain tokens in individual US rental houses, collect rent daily, and resell anytime on a 24/7 marketplace.","categories":["Alternative Investing"],"facts":{"Minimum investment":"$50","Accreditation":"Not required","Fees":"2.5% buy fee and 3% sell fee on marketplace trades (about 5.5% round trip); no AUM fee; property expenses paid from rent","Target return":"No stated target; marketplace average gross rental yield about 9.2% (May 2026, company-reported)","Liquidity":"24/7 seller-set-ask marketplace settled in USDC; no lockups; execution speed and price depend on buyer demand","Founded":"2018"},"ratesVerifiedOn":"2026-10-06","updatedOn":"2026-10-06"},{"slug":"marcus-cd","name":"Marcus by Goldman Sachs High-Yield CD","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/marcus-cd","tagline":"Marcus pays 4.35% APY on 18 month through 6 year High-Yield CDs, with a $500 minimum.","categories":["CD Rates"],"facts":{"APY":"4.35%","Term":"18 months","Minimum deposit":"$500","Early withdrawal penalty":"90 days interest on the original principal for terms of 1 year or less, 180 days for terms over 1 year to 5 years, 270 days for terms over 5 years. Partial withdrawals of principal are not allowed.","Compounding":"Daily, credited monthly","FDIC":"Member FDIC, $250k per depositor per ownership category (Goldman Sachs Bank USA, Salt Lake City Branch)","Institution":"Goldman Sachs Bank USA (Marcus by Goldman Sachs)"},"ratesVerifiedOn":"2026-09-07","updatedOn":"2026-09-07"},{"slug":"marcus-online-savings","name":"Marcus Online Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/marcus-online-savings","tagline":"3.40% APY with no minimums and same-day transfers from Goldman Sachs.","categories":["High-Yield Savings"],"facts":{"APY":"3.4%","Minimum deposit":"None","Monthly fee":"None","FDIC":"Direct, Member FDIC, $250k","Institution":"Goldman Sachs Bank USA","ATM access":"No"},"ratesVerifiedOn":"2026-09-03","updatedOn":"2026-09-07"},{"slug":"masterworks","name":"Masterworks","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/masterworks","tagline":"Referral-only fractional blue-chip art at $20 a share, no accreditation required","categories":["Alternative Investing"],"facts":{"Accreditation":"Not required","Fees":"1.5% annual management fee (Management Fee Shares) + 20% of profit on sale (Class B shares) + a one-time 10% expense allocation embedded in each work's initial offering price, per Masterworks' SEC Form 1-A/A offering circular filed May 6, 2026","Target return":"Platform-reported per masterworks.com, checked September 25, 2026: 530+ works acquired, 32 sold, $77M+ distributed to investors including original capital, net annualized returns on sold works of 16.5%, 17.6% and 17.8%; unsold inventory dominates","Liquidity":"3-10 year target holds; thin internal secondary market opening 90 days after an offering closes","Founded":"2017"},"ratesVerifiedOn":"2026-09-25","updatedOn":"2026-09-25"},{"slug":"monarch-money","name":"Monarch Money","kind":"fintech-tool","type":"Other money tools","url":"https://financeradar.com/tools/monarch-money","tagline":"All-in-one budgeting and net worth tracker built as a full Mint replacement","categories":["Net Worth Trackers"],"facts":{},"ratesVerifiedOn":"2026-08-08","updatedOn":"2026-08-08"},{"slug":"ocic","name":"Blue Owl Credit Income Corp (OCIC)","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/ocic","tagline":"$2,500 via advisor: Blue Owl's senior-lending BDC, ~8.6% distributions, gated exits","categories":["Alternative Investing"],"facts":{"Minimum investment":"$2,500","Accreditation":"Not required","Fees":"1.25% management + 12.5% incentive over hurdle + servicing (Class S 0.85%, Class D 0.25%); placement fees on S","Target return":"~8.6% annualized distribution rate on Class I NAV as of the June 2026 declaration (issuer-reported)","Liquidity":"Quarterly repurchases capped at 5% of shares; suspendable","Founded":"2020"},"ratesVerifiedOn":"2026-10-02","updatedOn":"2026-10-02"},{"slug":"onepay-cash","name":"OnePay Cash","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/onepay-cash","tagline":"OnePay Cash is a no-fee mobile checking and savings account paying 3.35% APY on savings and 3% back in one chosen category.","categories":["Checking Accounts"],"facts":{"APY":"0%","APY note":"Checking section is non-interest bearing at 0.00% APY. Savings pockets pay 3.35% APY (3.30% interest rate) per OnePay's rate sheet effective 8/1/2026; variable and can change without notice.","Monthly fee":"None","Monthly fee waiver":"Not applicable, the account has no monthly fee and no minimum balance","Minimum to open":"None","Overdraft":"$0 overdraft fee. Up to $200 Fee-Free Overdraft for accounts with $500+ in direct deposits in the current or previous month, 18+ only, repaid automatically from the next deposit. Savings Backup pulls from savings first when enabled.","ATM network":"Allpoint ATMs free; $3.00 OnePay Cash Out fee at non-Allpoint ATMs, plus any ATM operator fee","Check writing":"No","Early direct deposit":"Up to 2 days early with direct deposit, depending on when the employer sends payroll data","FDIC":"Pass-through FDIC insurance up to $250,000 per depositor at Coastal Community Bank or Lead Bank, Members FDIC","Institution":"Coastal Community Bank or Lead Bank (OnePay is a fintech, not a bank)"},"ratesVerifiedOn":"2026-10-07","updatedOn":"2026-10-07"},{"slug":"openbank-high-yield-savings","name":"Openbank High Yield Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/openbank-high-yield-savings","tagline":"3.80% APY from Santander's digital arm, $500 minimum to open","categories":["High-Yield Savings"],"facts":{"APY":"3.8%","Minimum deposit":"$500","Monthly fee":"None","FDIC":"Via Santander Bank charter, $250k (aggregate with Santander deposits)","Institution":"Openbank by Santander (division of Santander Bank, N.A.)","ATM access":"No"},"ratesVerifiedOn":"2026-09-19","updatedOn":"2026-10-07"},{"slug":"percent","name":"Percent","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/percent","tagline":"$500 minimum, accredited-only marketplace for short-duration asset-backed private credit","categories":["Alternative Investing"],"facts":{"Minimum investment":"$500","Accreditation":"Required","Fees":"Up to 10% of interest earned on direct deals (charged against yield, not principal, disclosed per offering); Blended Notes ~1% management fee","Target return":"Platform-reported 14.6% net on asset-backed deals after losses (LTM ended 3/31/26); current coupons roughly 11-19%","Liquidity":"No secondary market; hold to maturity over 6-36 month terms","Founded":"2018"},"ratesVerifiedOn":"2026-10-03","updatedOn":"2026-10-03"},{"slug":"pibank-savings","name":"Pibank Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/pibank-savings","tagline":"4.10% APY with zero minimums and no hoops, backed by a Miami FDIC charter","categories":["High-Yield Savings"],"facts":{"APY":"4.1%","APY note":"Official page body confirms 4.10% APY as of September 7, 2026 (disclosure dated July 2, 2026). HTML title still says 4.40%.","Minimum deposit":"None","Monthly fee":"None","FDIC":"Via Intercredit Bank charter, $250k","Institution":"Pibank (division of Intercredit Bank, N.A., Miami)","ATM access":"No"},"ratesVerifiedOn":"2026-09-28","updatedOn":"2026-09-07"},{"slug":"pnc-high-yield-savings","name":"PNC High Yield Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/pnc-high-yield-savings","tagline":"PNC's online savings account pays 3.15% APY with no fees or minimums, but it is only offered in select markets.","categories":["High-Yield Savings"],"facts":{"APY":"3.15%","APY note":"As of July to August 2026; variable. Offered online in select markets only, and the APY can vary by market.","Minimum deposit":"None","Monthly fee":"None","FDIC":"Member FDIC, $250k","Institution":"PNC Bank, N.A.","ATM access":"No"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-02"},{"slug":"poppy-bank-premier-online-savings","name":"Poppy Bank Premier Online Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/poppy-bank-premier-online-savings","tagline":"4.00% APY nationwide from a California community bank, $1,000 minimum","categories":["High-Yield Savings"],"facts":{"APY":"4%","APY note":"Reviews cite 4.00-4.25% across July 2026; exact live rate unconfirmed","Minimum deposit":"$1,000","Monthly fee":"None","FDIC":"Direct, Member FDIC, $250k","Institution":"Poppy Bank (Santa Rosa, CA)","ATM access":"No"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-04"},{"slug":"popular-direct-cd","name":"Popular Direct CD","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/popular-direct-cd","tagline":"Popular Direct pays 4.35% APY on an 18 month CD, the highest rate here, but demands $10,000 to open.","categories":["CD Rates"],"facts":{"APY":"4.35%","Term":"18 months","Minimum deposit":"$10,000","Early withdrawal penalty":"270 days of simple interest for terms of 12 to under 36 months, so 270 days on this 18 month CD; 89 days under 91 days, 120 days from 91 days to under 12 months, 365 days at 36 to under 60 months, 730 days at 60 months or more","FDIC":"Member FDIC, $250,000 per depositor, per ownership category","Institution":"Popular Direct, a brand of Popular Bank"},"ratesVerifiedOn":"2026-09-29","updatedOn":"2026-10-06"},{"slug":"prime-alliance-bank-money-market","name":"Prime Alliance Bank Personal Money Market","kind":"money-market","type":"Money market accounts","url":"https://financeradar.com/money-market/prime-alliance-bank-money-market","tagline":"Prime Alliance Bank pays 3.75% APY on its personal money market with no monthly fee and no minimum balance.","categories":["Money Market Accounts"],"facts":{"APY":"3.75%","APY note":"3.69% interest rate, 3.75% APY, single tier applied to all balances, interest paid monthly; variable and may change without notice, no effective date published","Monthly fee":"None","ATM network":"None reported; no debit or ATM card issued with the money market account","FDIC":"FDIC insured, backed by the full faith and credit of the U.S. government","Institution":"Prime Alliance Bank"},"ratesVerifiedOn":"2026-09-23","updatedOn":"2026-10-06"},{"slug":"primis-savings","name":"Primis Savings Account","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/primis-savings","tagline":"Virginia's Primis Bank pays 3.85% APY on every dollar with a $1 open, no fees, no caps, and no transaction limits.","categories":["High-Yield Savings"],"facts":{"APY":"3.85%","APY note":"3.78% interest rate; rates effective December 1, 2025 and still posted on primisbank.com as of August 11, 2026. Primis directs customers to log in for their current rate.","Minimum deposit":"$1","Monthly fee":"None","FDIC":"Member FDIC, $250k; extended coverage beyond $250k available via partner program","Institution":"Primis Bank (Primis Financial Corp)"},"ratesVerifiedOn":"2026-10-01","updatedOn":"2026-10-07"},{"slug":"priv-etf","name":"SPDR SSGA Apollo IG Public & Private Credit ETF (PRIV)","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/priv-etf","tagline":"One share at any brokerage: the first private-credit ETF, liquid but diluted exposure","categories":["Alternative Investing"],"facts":{"Minimum investment":"$0","Accreditation":"Not required","Fees":"0.70% expense ratio","Target return":"Investment-grade income profile, lower than BDCs (fund-reported)","Liquidity":"Daily on-exchange liquidity","Founded":"2025"},"ratesVerifiedOn":"2026-10-04","updatedOn":"2026-10-04"},{"slug":"prosper","name":"Prosper","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/prosper","tagline":"$25 consumer-loan notes, no accreditation, 20-year P2P lending track record","categories":["Alternative Investing"],"facts":{"Minimum investment":"$25","Accreditation":"Not required","Fees":"1% annual servicing fee on outstanding note principal","Target return":"Platform-reported 5.2-5.3% average historical return (as of 3/31/25)","Liquidity":"None; notes amortize over 2-5 year terms, no secondary market since 2016","Founded":"2005"},"ratesVerifiedOn":"2026-10-03","updatedOn":"2026-09-25"},{"slug":"quontic-cd","name":"Quontic Bank CD","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/quontic-cd","tagline":"Quontic's highest CD rate is 3.60% APY on a 3 month term, and breaking it early forfeits all the interest.","categories":["CD Rates"],"facts":{"APY":"3.6%","Term":"3 months","Minimum deposit":"$500","Early withdrawal penalty":"For terms up to 12 months, all interest that would have been earned over the full term; one year of interest for 12 to 24 month terms; two years of interest at 24 months and over","Compounding":"Daily, credited monthly","FDIC":"Member FDIC, $250,000 per depositor, per ownership category","Institution":"Quontic Bank"},"ratesVerifiedOn":"2026-09-17","updatedOn":"2026-10-05"},{"slug":"quontic-high-interest-checking","name":"Quontic High Interest Checking","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/quontic-high-interest-checking","tagline":"A no-fee online checking account paying 1.10% APY, but only if you make 10 debit purchases of $10 or more each cycle.","categories":["Checking Accounts"],"facts":{"APY":"1.1%","APY note":"1.10% APY on all balance tiers, rates effective August 3, 2026, and it requires at least 10 qualifying point of sale debit card transactions of $10.00 or more per statement cycle. Without the qualifying activity the rate drops to 0.01% APY.","Monthly fee":"None","Monthly fee waiver":"No monthly fee to waive. Quontic charges no monthly maintenance fee on this account.","Minimum to open":"$100","Overdraft":"No overdraft fees.","ATM network":"More than 90,000 surcharge-free ATMs through the AllPoint, MoneyPass, and SUM networks plus Citibank ATMs, at retailers including Target, Walgreens, CVS, Kroger, Safeway, and Circle K.","Check writing":"Yes","FDIC":"Quontic Bank, Member FDIC. Insured up to the maximum allowed by law, $250,000 per depositor, per ownership category.","Institution":"Quontic Bank"},"ratesVerifiedOn":"2026-09-20","updatedOn":"2026-10-02"},{"slug":"quontic-high-yield-savings","name":"Quontic Bank High Yield Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/quontic-high-yield-savings","tagline":"A CDFI digital bank's savings account paying 3.20% APY with a $100 minimum, undercut by Quontic's own 3.80% money market.","categories":["High-Yield Savings"],"facts":{"APY":"3.2%","APY note":"Per Quontic's rate information as of May 14, 2026, still shown in August 2026; variable. Quontic's own Money Market pays 3.80% APY.","Minimum deposit":"$100","Monthly fee":"None","FDIC":"Member FDIC, $250k","Institution":"Quontic Bank","ATM access":"No"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-06"},{"slug":"quontic-money-market","name":"Quontic Bank Money Market Account","kind":"money-market","type":"Money market accounts","url":"https://financeradar.com/money-market/quontic-money-market","tagline":"Quontic pays 3.80% APY on every balance tier, with a $100 opening deposit, a debit card and check writing.","categories":["Money Market Accounts"],"facts":{"APY":"3.8%","APY note":"Same 3.80% APY across all three balance tiers; variable rate, effective April 14, 2026","Monthly fee":"None","Minimum to open":"$100","ATM network":"About 90,000 surcharge free ATMs nationwide","Check writing":"Yes","FDIC":"FDIC insured, $250k per depositor per ownership category","Institution":"Quontic Bank"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-05"},{"slug":"raisin","name":"Raisin","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/raisin","tagline":"A free marketplace with one login to savings and CDs at 100+ banks, topping out at 4.15% APY in August 2026.","categories":["High-Yield Savings"],"facts":{"APY":"4.15%","APY note":"Top savings rate on the platform as of August 11, 2026 (NexBank and Patriot Bank N.A.); each partner institution sets its own rate.","Minimum deposit":"$1","Monthly fee":"None","FDIC":"Pass-through FDIC/NCUA at each partner institution, $250k per depositor per institution; $10M+ combined possible","Institution":"Raisin (marketplace; deposits held at 100+ FDIC/NCUA insured partner institutions)","ATM access":"No"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-03"},{"slug":"realtymogul","name":"RealtyMogul","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/realtymogul","tagline":"$5,000 non-traded REITs open to all; one REIT's distributions paused in 2026","categories":["Alternative Investing"],"facts":{"Minimum investment":"$5,000","Accreditation":"partial","Fees":"~1-1.25% annual on the REITs; private-placement fees set per deal by sponsors","Target return":"Income REIT historically targeted 6-8% annualized distributions (platform-reported); Apartment Growth REIT distributions currently paused","Liquidity":"Limited, discountable share repurchase programs; effectively multi-year money","Founded":"2012"},"ratesVerifiedOn":"2026-10-07","updatedOn":"2026-10-07"},{"slug":"republic","name":"Republic","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/republic","tagline":"$10 crowdfunding plus $50 token-wrapped SpaceX exposure in a regulatory gray zone","categories":["Alternative Investing"],"facts":{"Minimum investment":"$10","Accreditation":"partial","Fees":"2.5% investor administrative fee on many offerings ($5 min, $250 cap; some fee-free); token products have embedded economics","Target return":"No realized-return dataset; Mirror Tokens track private valuation marks without conferring equity","Liquidity":"Illiquid; Mirror Tokens carry a 1-year hold before planned INX trading","Founded":"2016"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-07"},{"slug":"robinhood-gold-cash-sweep","name":"Robinhood Gold Cash Sweep","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/robinhood-gold-cash-sweep","tagline":"3.35% APY on uninvested cash for Robinhood Gold subscribers at $5 a month","categories":["High-Yield Savings"],"facts":{"APY":"3.35%","APY note":"Requires Robinhood Gold subscription ($5/mo or $50/yr); non-Gold earns far less; rate moves with the Fed","Minimum deposit":"None","Monthly fee":"$5","FDIC":"Pass-through sweep across partner banks, advertised up to $2.5M (verify current figure)","Institution":"Robinhood (brokerage sweep to partner banks)","ATM access":"Yes"},"ratesVerifiedOn":"2026-09-16","updatedOn":"2026-10-04"},{"slug":"roots-real-estate","name":"Roots","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/roots-real-estate","tagline":"An Atlanta-focused residential REIT with a $100 minimum that gives renters equity and pays quarterly distributions.","categories":["Alternative Investing"],"facts":{"Minimum investment":"$100","Accreditation":"Not required","Fees":"$5 signup transaction fee; 8% haircut if redeemed under 1 year, none after; manager collects 10% of monthly revenue plus acquisition, $500-per-lease leasing, and disposition fees","Target return":"12-15% annual target; 13.13% CAGR since July 1, 2021 and 12.01% trailing 12 months as of July 10, 2026 (company-reported, NAV-based)","Liquidity":"Quarterly redemption windows; under 1 year paid at 92% of NAV; caps of 5% of outstanding units per quarter and $100,000 per investor; manager may suspend","Founded":"2021"},"ratesVerifiedOn":"2026-10-01","updatedOn":"2026-10-01"},{"slug":"sallie-mae-cd","name":"Sallie Mae Bank Certificate of Deposit (36 Month CD)","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/sallie-mae-cd","tagline":"Sallie Mae's 36 month CD pays 4.35% APY, matching its 60 month rate for half the lock-up.","categories":["CD Rates"],"facts":{"APY":"4.35%","Term":"36 months","Minimum deposit":"$2,500","Early withdrawal penalty":"180 days simple interest on the amount withdrawn for maturities greater than 12 months, which covers this 36 month CD. Maturities of 12 months or less are charged 90 days. Any shortfall is deducted from principal, and the penalty may be waived on death or incompetence of an accountholder.","Compounding":"Accrues daily, compounded interest credited monthly","FDIC":"Member FDIC, $250k per depositor per ownership category, up to $500k on a qualifying joint account","Institution":"Sallie Mae Bank"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-04"},{"slug":"sallie-mae-money-market","name":"Sallie Mae Bank Money Market Account","kind":"money-market","type":"Money market accounts","url":"https://financeradar.com/money-market/sallie-mae-money-market","tagline":"Sallie Mae Bank pays 3.50% APY with no minimum deposit, no monthly fee and checks written straight from the account.","categories":["Money Market Accounts"],"facts":{"APY":"3.5%","APY note":"3.44% interest rate, 3.50% APY, variable and accurate as of 08/11/2026; single flat rate with no balance tiers","Monthly fee":"None","Minimum to open":"None","ATM network":"None; no ATM or debit card access, withdrawals go out by transfer, check or wire","Check writing":"Yes","FDIC":"FDIC insured, $250k per depositor, per insured bank, per ownership category","Institution":"Sallie Mae Bank"},"ratesVerifiedOn":"2026-09-18","updatedOn":"2026-10-07"},{"slug":"schwab-bank-investor-checking","name":"Schwab Bank Investor Checking","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/schwab-bank-investor-checking","tagline":"Unlimited worldwide ATM fee rebates and no foreign transaction fees, but it requires a linked Schwab brokerage account.","categories":["Checking Accounts"],"facts":{"APY note":"Unverified. Schwab pays a small variable rate on this account, but its own rate pages were inaccessible during this review and independent 2026 sources quote 0.01%, 0.25%, and 0.45% APY for the same product. Confirm the current rate on schwab.com before opening.","Monthly fee":"None","Monthly fee waiver":"Not applicable, there is no monthly fee to waive.","Minimum to open":"None","Overdraft":"No overdraft fee. Overdrafts may be covered by a transfer from the linked Schwab One brokerage account, otherwise transactions may be declined.","ATM network":"Unlimited rebates of eligible ATM fees for cash withdrawals worldwide, at any ATM in any currency, with no stated cap.","Check writing":"Yes","FDIC":"Member FDIC, $250,000 per depositor, per ownership category","Institution":"Charles Schwab Bank, SSB"},"ratesVerifiedOn":"2026-10-06","updatedOn":"2026-10-06"},{"slug":"sofi-checking","name":"SoFi Checking and Savings","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/sofi-checking","tagline":"SoFi's checking side pays 0.50% APY with no monthly fee and pairs with a far higher yielding savings account.","categories":["Checking Accounts"],"facts":{"APY":"0.5%","APY note":"0.50% APY on checking balances. The linked savings account pays materially more, reported at 4.20% APY with a qualifying direct deposit and 1.20% APY without, as of August 2026. Savings rates are variable and quoted figures varied across 2026 sources.","Monthly fee":"None","Monthly fee waiver":"Not applicable, there is no monthly fee to waive.","Minimum to open":"None","Overdraft":"Up to $50 of fee-free overdraft coverage for members with a qualifying direct deposit. Larger overdrafts are declined and there is no overdraft fee in any case.","ATM network":"55,000+ fee-free Allpoint ATMs at retailers including Target, CVS, Walgreens, and Kroger.","Check writing":"No","Early direct deposit":"Up to 2 days before the scheduled pay date.","FDIC":"Member FDIC, $250,000 per depositor. SoFi's partner bank sweep program extends coverage up to $2 million.","Institution":"SoFi Bank, N.A."},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-05"},{"slug":"sofi-checking-savings","name":"SoFi Checking & Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/sofi-checking-savings","tagline":"3.10% APY savings with direct deposit, up to 3.80% boosted, inside a super app","categories":["High-Yield Savings"],"facts":{"APY":"3.1%","APY note":"Requires qualifying direct deposit; up to 3.80% with 0.70% new-member boost for 6 months (enroll by 12/31/26); roughly 1% without direct deposit; checking pays 0.50%","Minimum deposit":"None","Monthly fee":"None","FDIC":"SoFi Bank direct $250k, extendable to $2M+ via insured deposit program (verify current terms)","Institution":"SoFi Bank, N.A.","ATM access":"Yes"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-06"},{"slug":"startengine","name":"StartEngine","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/startengine","tagline":"$100+ equity crowdfunding at scale; venture lottery tickets, never income","categories":["Alternative Investing"],"facts":{"Minimum investment":"$100","Accreditation":"partial","Fees":"~3.5% investor transaction fee on many deals; Venture Club $275/yr; StartEngine Private funds carry fund-style fees and carry","Target return":"No meaningful realized-return data; startup equity outcomes","Liquidity":"Illiquid indefinitely; StartEngine Secondary is an experiment","Founded":"2014"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-02"},{"slug":"supervest","name":"Supervest","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/supervest","tagline":"Supervest sells accredited investors fixed notes paying 10% to 15%, backed by merchant cash advance portfolios, from $25,000.","categories":["Alternative Investing"],"facts":{"Minimum investment":"$25,000","Accreditation":"Required","Fees":"No separate investor fee disclosed on fixed notes (stated rates are net); self directed MCA fees are not published, and third party reviews have reported a 5 to 7% platform fee on merchant remittances","Target return":"Fixed notes: 10% (12 mo, monthly), 12% (24 mo, quarterly), 14% (24 mo, at maturity), 15% (36 mo, quarterly); self directed MCA returns are variable","Liquidity":"Note principal locked for the full 1 to 3 year term; MCA remittances flow daily or weekly and cash balances can be withdrawn anytime","Founded":"2018"},"ratesVerifiedOn":"2026-10-04","updatedOn":"2026-10-04"},{"slug":"synchrony-cd","name":"Synchrony Bank Certificate of Deposit (16 Month CD)","kind":"cd","type":"Certificates of deposit (CDs)","url":"https://financeradar.com/cds/synchrony-cd","tagline":"Synchrony's featured 16 month CD pays 4.30% APY with no minimum deposit at all.","categories":["CD Rates"],"facts":{"APY":"4.3%","Term":"16 months","Minimum deposit":"None","Early withdrawal penalty":"180 days of simple interest at the current rate for this 16 month term. Synchrony charges 90 days for terms of 12 months or less and 365 days for terms of 48 months or more.","FDIC":"Member FDIC, $250k per depositor per ownership category","Institution":"Synchrony Bank"},"ratesVerifiedOn":"2026-10-06","updatedOn":"2026-09-07"},{"slug":"synchrony-high-yield-savings","name":"Synchrony High Yield Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/synchrony-high-yield-savings","tagline":"3.30% APY with an optional ATM card, rare for a savings account","categories":["High-Yield Savings"],"facts":{"APY":"3.3%","APY note":"Rate cut mid-July 2026; some trackers showed 3.50% in early July","Minimum deposit":"None","Monthly fee":"None","FDIC":"Direct, Member FDIC, $250k","Institution":"Synchrony Bank","ATM access":"Yes"},"ratesVerifiedOn":"2026-10-02","updatedOn":"2026-10-02"},{"slug":"tab-bank-high-yield-savings","name":"TAB Save High Yield Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/tab-bank-high-yield-savings","tagline":"Utah's TAB Bank pays 3.61% APY with no minimum deposit, no monthly fee, and no withdrawal limits on its TAB Save account.","categories":["High-Yield Savings"],"facts":{"APY":"3.61%","APY note":"Rates effective August 11, 2026, per tabbank.com; variable and can change at TAB's discretion without notice.","Minimum deposit":"None","Monthly fee":"None","FDIC":"Member FDIC, $250k per depositor per ownership category","Institution":"TAB Bank (Transportation Alliance Bank)","ATM access":"No"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-06"},{"slug":"titan","name":"Titan","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/titan","tagline":"Titan pairs a flat 0.40% advisory fee with retail access to Apollo and Carlyle private credit funds from $2,000.","categories":["Alternative Investing"],"facts":{"Minimum investment":"$500","Accreditation":"Not required","Fees":"0.40% flat Titan advisory fee; underlying credit funds add expenses (about 3.50% at Apollo Diversified Credit, 5.40% total at Carlyle Tactical Private Credit including a 15% incentive fee above a 6% hurdle)","Liquidity":"Credit funds offer quarterly repurchase windows at each fund's discretion; liquidity and distributions are not guaranteed","Founded":"2017"},"ratesVerifiedOn":"2026-10-03","updatedOn":"2026-10-03"},{"slug":"truist-one-savings","name":"Truist One Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/truist-one-savings","tagline":"Truist's basic savings account pays 0.01% APY; the $5 fee is easy to waive, but the yield is barely distinguishable from zero.","categories":["High-Yield Savings"],"facts":{"APY":"0.01%","APY note":"Not tiered; per 2026 rate checks. Truist publishes exact rates by zip code","Minimum deposit":"$50","Monthly fee":"$5","FDIC":"Member FDIC, $250k per depositor","Institution":"Truist Bank","ATM access":"Yes"},"ratesVerifiedOn":"2026-10-07","updatedOn":"2026-10-07"},{"slug":"ufb-money-market","name":"UFB Direct Portfolio Money Market Account","kind":"money-market","type":"Money market accounts","url":"https://financeradar.com/money-market/ufb-money-market","tagline":"UFB Direct pays 3.26% APY on every balance tier but charges $10 a month unless you hold $5,000.","categories":["Money Market Accounts"],"facts":{"APY":"3.26%","APY note":"3.26% APY on a 3.21% rate, applied uniformly across all five balance tiers from $0 to $100,000 and up; variable","Monthly fee":"$10","Minimum to open":"None","Check writing":"Yes","FDIC":"FDIC insured, certificate 35546, $250k individual and $500k joint; expanded coverage to $265MM via InsureGuard+","Institution":"UFB Direct, a division of Axos Bank"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-07"},{"slug":"ufb-portfolio-savings","name":"UFB Portfolio Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/ufb-portfolio-savings","tagline":"3.26% APY with a free ATM card, down hard from its 2024-25 rate leadership","categories":["High-Yield Savings"],"facts":{"APY":"3.26%","APY note":"Up to 3.46% combined with the UFB Freedom Checking bundle","Minimum deposit":"None","Monthly fee":"None","FDIC":"Via Axos Bank charter, $250k (aggregate with Axos deposits)","Institution":"UFB Direct (division of Axos Bank)","ATM access":"Yes"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-05"},{"slug":"upgrade-premier-savings","name":"Upgrade Premier Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/upgrade-premier-savings","tagline":"Upgrade's Premier Savings pays 3.05% APY on balances of $1,000 or more, with FDIC coverage up to $1 million via partner banks.","categories":["High-Yield Savings"],"facts":{"APY":"3.05%","APY note":"Effective October 31, 2025 and still posted August 2026; variable. Applies only on days with a closing balance of $1,000 or more; below that, 0% for the day.","Minimum deposit":"None","Monthly fee":"None","FDIC":"Up to $1M via Cross River Bank and participating FDIC/NCUA institutions ($250k per institution)","Institution":"Upgrade (banking services by Cross River Bank and participating institutions)","ATM access":"No"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-01"},{"slug":"upgrade-rewards-checking-preferred","name":"Upgrade Rewards Checking Preferred","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/upgrade-rewards-checking-preferred","tagline":"Upgrade's fee-free checking pays 2% back in five everyday categories, but only if $1,000 a month lands by direct deposit.","categories":["Checking Accounts"],"facts":{"APY":"0%","APY note":"Rewards Checking Preferred accounts do not earn APY. A paired Performance Savings account earns 3.05% APY with $1,000+ in monthly direct deposits (rate effective 10/31/2025), otherwise 1.5% APY (effective 6/1/2023).","Monthly fee":"None","Monthly fee waiver":"Not applicable, there is no monthly maintenance fee and no minimum balance requirement","Minimum to open":"None","Overdraft":"No overdraft fees. Upgrade blocks overspending rather than covering it; optional Bill Pay Guard pulls from a linked Performance Savings account to cover scheduled bill payments.","ATM network":"Allpoint, 55,000+ fee-free ATMs; $2.50 per out-of-network withdrawal plus third-party ATM fees","Check writing":"No","Early direct deposit":"Up to 2 days early, limited to direct deposits under $5,000","FDIC":"Checking insured up to $250,000 through Cross River Bank, Member FDIC","Institution":"Cross River Bank (Upgrade, Inc. is a fintech, not a bank)"},"ratesVerifiedOn":"2026-10-02","updatedOn":"2026-10-02"},{"slug":"us-bank-altitude-go","name":"U.S. Bank Altitude Go Visa Signature","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/us-bank-altitude-go","tagline":"The highest no-fee dining rate: 4x at restaurants with 2x support categories","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"4x dining/takeout/delivery (capped at $2,000/quarter), 2x groceries, gas/EV and streaming, 1x other","Welcome bonus":"20,000 points after $1,000 in 90 days ($200 value)","Regular APR":"17.74%-28.74% variable","Intro APR":"0% intro on purchases and balance transfers (12 or 15 billing cycles; sources conflict)","Recommended credit":"good (670+)","Issuer":"U.S. Bank","Network":"Visa (Signature)"},"ratesVerifiedOn":"2026-10-07","updatedOn":"2026-08-11"},{"slug":"us-bank-cash-plus","name":"U.S. Bank Cash+ Visa Signature","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/us-bank-cash-plus","tagline":"Choose two 5% categories a quarter, including utilities and phone bills","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"5% on two chosen categories (capped at $2,000/quarter combined), 5% prepaid travel, 2% one everyday category, 1% other","Welcome bonus":"$250 after $1,000 in 90 days","Regular APR":"17.74%-27.99% variable","Intro APR":"0% for 15 billing cycles on purchases and balance transfers","Recommended credit":"good (670+)","Issuer":"U.S. Bank","Network":"Visa (Signature)"},"ratesVerifiedOn":"2026-10-06","updatedOn":"2026-08-11"},{"slug":"valley-direct-high-yield-savings","name":"Valley Direct High Yield Savings Account","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/valley-direct-high-yield-savings","tagline":"Valley National Bank's online arm pays about 4.00% APY for the first year on a $1,000 minimum, then roughly 3.40%.","categories":["High-Yield Savings"],"facts":{"APY":"4%","APY note":"12-month introductory rate for new online customers (standard interest rate plus 0.58 points), about 4.00% APY per mid-2026 trackers; reverts to the standard rate, about 3.40% APY, after one year. Valley loads exact live figures dynamically; verify on valleydirect.com before opening.","Minimum deposit":"$1,000","Monthly fee":"None","FDIC":"Member FDIC via Valley National Bank, $250k, combined with other Valley deposits in the same ownership category","Institution":"Valley National Bank (Valley Direct)","ATM access":"No"},"ratesVerifiedOn":"2026-08-11","updatedOn":"2026-10-02"},{"slug":"vanguard-cash-plus","name":"Vanguard Cash Plus","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/vanguard-cash-plus","tagline":"3.10% APY plus a 0.25% boost through September 2026 inside Vanguard","categories":["High-Yield Savings"],"facts":{"APY":"3.1%","APY note":"+0.25% automatic boost through 9/30/26, roughly 3.35% effective","Minimum deposit":"None","Monthly fee":"None","FDIC":"Pass-through via program banks, up to $1.25M individual / $2.5M joint (Vanguard's advertised sweep limits; reconfirm)","Institution":"Vanguard Brokerage (bank sweep)","ATM access":"No"},"ratesVerifiedOn":"2026-09-29","updatedOn":"2026-10-06"},{"slug":"varo-bank-account","name":"Varo Bank Account","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/varo-bank-account","tagline":"A no-fee mobile checking account from a fully chartered national bank, with cash advances up to $500.","categories":["Checking Accounts"],"facts":{"APY":"0%","APY note":"The Varo Bank Account pays no interest. The separate Varo Savings Account pays 3.75% APY on balances up to $5,000 with $1,000 or more in monthly direct deposits and a positive month-end balance, and 1.00% APY otherwise and above $5,000, accurate as of July 1, 2026.","Monthly fee":"None","Monthly fee waiver":"Not applicable, there is no monthly fee to waive.","Minimum to open":"None","Overdraft":"No overdraft fees. Transactions are declined when funds are insufficient. Varo Advance offers cash advances from $20, with limits up to $250 at first and up to $500 with repayment history and direct deposits of $800 or more. Varo quotes advance fees in a $1.60 to $100 range depending on the amount, repaid in 15 to 30 days with no interest.","ATM network":"Over 40,000 fee-free Allpoint ATMs. $3.50 per cash withdrawal at out-of-network and international ATMs.","Check writing":"No","Early direct deposit":"Up to 2 days earlier than the scheduled pay date.","FDIC":"Member FDIC, $250,000 per depositor. Varo Bank, N.A. holds its own national bank charter.","Institution":"Varo Bank, N.A."},"ratesVerifiedOn":"2026-10-06","updatedOn":"2026-10-06"},{"slug":"varo-savings","name":"Varo Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/varo-savings","tagline":"3.75% APY on your first $5,000 from a neobank with its own bank charter","categories":["High-Yield Savings"],"facts":{"APY":"3.75%","APY note":"On first $5,000 with $1,000+/mo qualifying direct deposit and positive balances; 1.00% above $5,000 and for non-qualifiers","Minimum deposit":"None","Monthly fee":"None","FDIC":"Direct (own national bank charter), $250k","Institution":"Varo Bank, N.A.","ATM access":"Yes"},"ratesVerifiedOn":"2026-10-04","updatedOn":"2026-10-04"},{"slug":"vinovest","name":"Vinovest","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/vinovest","tagline":"Wine and whiskey from $300, no accreditation; 2.5-2.85% all-in fees on managed tiers","categories":["Alternative Investing"],"facts":{"Minimum investment":"$300","Accreditation":"Not required","Fees":"Managed tiers 2.85% (Starter, $5k) / 2.7% (Plus, $10k) / 2.5% (Premium, $50k) annually, covering storage, insurance, sourcing; no separate trading commissions","Target return":"Cites ~10% long-run fine-wine index returns (index-level, platform-reported); the actual 2023-2025 fine-wine market was negative","Liquidity":"Selling can take weeks to months; no guaranteed exit","Founded":"2019"},"ratesVerifiedOn":"2026-10-03","updatedOn":"2026-10-03"},{"slug":"vio-bank-cornerstone-money-market","name":"Vio Bank Cornerstone Money Market","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/vio-bank-cornerstone-money-market","tagline":"3.55% APY money market from MidFirst Bank, $5 fee waived with e-statements","categories":["High-Yield Savings"],"facts":{"APY":"3.55%","APY note":"Low-confidence figure per Yahoo Finance early July 2026; public rate data is stale and inconsistent","Minimum deposit":"$100","Monthly fee":"$5","FDIC":"Via MidFirst Bank charter, $250k","Institution":"Vio Bank (division of MidFirst Bank)","ATM access":"No"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-02"},{"slug":"wealthfront-cash-account","name":"Wealthfront Cash Account","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/wealthfront-cash-account","tagline":"3.30% APY uncapped with instant withdrawals and up to $8M FDIC sweep coverage","categories":["High-Yield Savings"],"facts":{"APY":"3.3%","APY note":"+0.65% new-client boost for 3 months on up to $150k; +0.25% permanent with $1k+/mo direct deposit and funded investing account; stacks to advertised up to 4.20%","Minimum deposit":"$1","Monthly fee":"None","FDIC":"Pass-through via program banks, up to $8M individual / $16M joint (brokerage sweep across 30+ partner banks)","Institution":"Wealthfront Brokerage (deposits swept to partner banks)","ATM access":"Yes"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-01"},{"slug":"wefunder","name":"Wefunder","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/wefunder","tagline":"$100 community rounds for YC-adjacent startups; illiquid venture risk, past FINRA fine","categories":["Alternative Investing"],"facts":{"Minimum investment":"$100","Accreditation":"partial","Fees":"2% ACH fee (min $8, max $150) on standard Reg CF; 5.5% + $2 by card; up to 20% carried interest on Reg D SPVs","Target return":"No distributions to speak of; venture outcomes","Liquidity":"Total illiquidity; venture timelines","Founded":"2012"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-10-03"},{"slug":"wells-fargo-active-cash","name":"Wells Fargo Active Cash","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/wells-fargo-active-cash","tagline":"Flat 2% on everything plus an easy $100 bonus and free phone insurance","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"2% cash rewards on everything","Welcome bonus":"$100 after $500 in 3 months","Regular APR":"18.74%, 24.74% or 28.74% variable","Intro APR":"0% for 12 months on purchases and qualifying balance transfers","Recommended credit":"good (670+)","Issuer":"Wells Fargo","Network":"Visa (Signature)"},"ratesVerifiedOn":"2026-10-02","updatedOn":"2026-09-25"},{"slug":"wells-fargo-autograph","name":"Wells Fargo Autograph","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/wells-fargo-autograph","tagline":"Six 3x categories and transferable points on a card with no annual fee","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"3x restaurants, travel, gas, transit, streaming and phone plans, 1x other","Welcome bonus":"20,000 points after $1,000 in 3 months","Regular APR":"18.74%, 24.74% or 28.74% variable","Intro APR":"0% for 12 months on purchases","Recommended credit":"good (670+)","Issuer":"Wells Fargo","Network":"Visa (Signature)"},"ratesVerifiedOn":"2026-10-02","updatedOn":"2026-09-25"},{"slug":"wells-fargo-everyday-checking","name":"Wells Fargo Everyday Checking","kind":"checking-account","type":"Checking accounts","url":"https://financeradar.com/checking/wells-fargo-everyday-checking","tagline":"Wells Fargo's basic checking account now costs $15 a month, up from $10, with a balance waiver that tripled to $1,500.","categories":["Checking Accounts"],"facts":{"APY":"0%","APY note":"Non-interest bearing. Wells Fargo does not publish an APY for Everyday Checking.","Monthly fee":"$15","Monthly fee waiver":"$0 per fee period with any one of: $500 or more in total qualifying electronic deposits; a $1,500 minimum daily balance; $5,000 or more in qualifying deposit balances, investment balances, or both; primary account owner aged 17 to 24; or a qualifying monthly non-civilian military direct deposit.","Minimum to open":"$25","Overdraft":"$35 per item, no more than three fees per business day ($105). The Extra Day Grace Period waives the associated overdraft fees if your available balance covers the prior business day's overdraft items as of midnight Eastern time.","ATM network":"Fee-free at Wells Fargo ATMs. Non-Wells Fargo ATMs cost $3.00 per withdrawal in the US and $5.00 internationally, plus the operator's surcharge.","Check writing":"Yes","Early direct deposit":"Early Pay Day makes eligible direct deposits available up to two business days early, applied automatically with no enrollment.","FDIC":"Wells Fargo Bank, N.A., Member FDIC. $250,000 per depositor, per ownership category.","Institution":"Wells Fargo Bank, N.A."},"ratesVerifiedOn":"2026-10-05","updatedOn":"2026-10-05"},{"slug":"wells-fargo-reflect","name":"Wells Fargo Reflect","kind":"credit-card","type":"Credit cards","url":"https://financeradar.com/credit-cards/wells-fargo-reflect","tagline":"21 months at 0% on purchases and qualifying transfers, with a 5% BT toll","categories":["Credit Cards"],"facts":{"Annual fee":"$0","Rewards":"None","Welcome bonus":"None","Regular APR":"17.49%, 23.99% or 28.24% variable","Intro APR":"0% for 21 months on purchases and qualifying balance transfers (within 120 days)","Recommended credit":"good (670+)","Issuer":"Wells Fargo","Network":"Visa"},"ratesVerifiedOn":"2026-10-02","updatedOn":"2026-08-11"},{"slug":"wells-fargo-way2save","name":"Wells Fargo Way2Save Savings","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/wells-fargo-way2save","tagline":"Wells Fargo's entry savings account automates $1 round-up deposits but pays 0.01% APY on every balance.","categories":["High-Yield Savings"],"facts":{"APY":"0.01%","APY note":"Per July 2026 rate checks; Wells Fargo's own rates page did not display the figure at review time and directs visitors to call","Minimum deposit":"$25","Monthly fee":"$5","FDIC":"Member FDIC, $250k per depositor","Institution":"Wells Fargo Bank, N.A.","ATM access":"Yes"},"ratesVerifiedOn":"2026-10-05","updatedOn":"2026-10-05"},{"slug":"willow-wealth","name":"Willow Wealth","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/willow-wealth","tagline":"$5,000 multi-asset alternatives platform (formerly Yieldstreet), mostly for accredited investors","categories":["Alternative Investing"],"facts":{"Minimum investment":"$5,000","Accreditation":"partial","Fees":"Embedded fund fees roughly 1-4% by vehicle; Willow 360 advisory fee 1.25% flat plus ~0.175% expenses","Target return":"Historically advertised 9-12% target IRRs (platform-reported)","Liquidity":"Mostly illiquid, 1-5+ year terms; evergreen funds have periodic redemption windows","Founded":"2015"},"ratesVerifiedOn":"2026-07-23","updatedOn":"2026-09-25"},{"slug":"worthy-bonds","name":"Worthy Bonds","kind":"private-credit","type":"Private credit and alternative investing platforms","url":"https://financeradar.com/private-credit/worthy-bonds","tagline":"$10 fixed-rate bonds open to all, funding property developers via one small issuer","categories":["Alternative Investing"],"facts":{"Minimum investment":"$10","Accreditation":"Not required","Fees":"None: no purchase, withdrawal, or transfer fees","Target return":"Fixed 5.5% (Community Bonds, 36-month) and 6.5% APY (Property Bonds), platform-reported, after the 7% promo expired Jan 1, 2026","Liquidity":"Redeemable anytime; withdrawals over $50,000 can take up to 30 days","Founded":"2016"},"ratesVerifiedOn":"2026-10-01","updatedOn":"2026-10-01"},{"slug":"zynlo-money-market","name":"Zynlo Money Market","kind":"savings-account","type":"Savings accounts","url":"https://financeradar.com/savings/zynlo-money-market","tagline":"3.90% APY money market with unlimited withdrawals and no minimums","categories":["High-Yield Savings"],"facts":{"APY":"3.9%","Minimum deposit":"None","Monthly fee":"None","FDIC":"Via PeoplesBank charter, $250k","Institution":"ZYNLO Bank (division of PeoplesBank, MA)","ATM access":"Yes"},"ratesVerifiedOn":"2026-10-02","updatedOn":"2026-10-02"}]}