BEST OF

15 Best CD Rates for June 2022

Jun 1, 2022

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The best CD rates provide a stable way to grow fixed sums of savings faster than other CDs or savings accounts.

Why trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial accounts that work best for you. See our criteria for evaluating banks and credit unions.

Online banks and credit unions tend to have the best yields on certificates of deposit. You can find rates two to three times higher than the national averages of 0.25% for one-year terms and 0.48% for five-year terms. Although many CD interest rates dropped during the first year of the pandemic, there have been some rate increases since July 2021. For more on rate changes, see our analysis of current CD rates.

If you don’t need immediate access to some of your money, high-yield CDs can be a way to build your savings. They have some of the highest interest rates available for federally insured bank accounts, and the rate is guaranteed for the duration of the CD term.

If you'll need access to funds in the short term, consider the best six-month rates or the best one-year rates. Or, if you want more flexibility than typical CDs, scroll down to see no-penalty CDs that let you withdraw when you want.

Here’s a look at some of the highest CD rates on the market.

Best CD Rates

Discover Bank CD
Learn more

at Discover Bank, Member FDIC

Discover Bank CD

5.0

NerdWallet rating 
Discover Bank CD

Minimum deposit

$2,500

Member FDIC

1-year APY

1.90%

3-year APY

2.50%

5-year APY

2.90%
Learn more

at Discover Bank, Member FDIC


3-year APY

2.50%

5-year APY

2.90%

Why we like it

Overview: The credit card issuer and online bank Discover offers a wide range of CDs. CD terms start at three months and extend to 10 years, though there tend to be better rates on terms from one to five years. The minimum to open is $2,500, which is somewhat high.

Fees: The penalty for withdrawing early from a Discover CD depends on the CD’s term, starting with three months of interest for terms of less than one year. The biggest penalty is two years of interest for terms of seven to 10 years. Like most CDs, there are no monthly or opening fees.

Other products: Discover also boasts CDs for individual retirement accounts (or IRA CDs), an online savings account and a cashback checking account. There are also highly rated mobile apps and 24/7 live customer service.

Full list of Discover CD rates:

3-month CD: 0.50% APY

6-month CD: 0.75% APY

9-month CD: 1.00% APY

1-year CD: 1.90% APY

18-month CD: 2.00% APY

2-year CD: 2.25% APY

30-month CD: 2.25% APY

3-year CD: 2.50% APY

4-year CD: 2.50% APY

5-year CD: 2.90% APY

7-year CD: 2.90% APY

10-year CD: 2.90% APY

Read Full Review
Synchrony Bank CD
Learn more

at Synchrony Bank, Member FDIC

Synchrony Bank CD

5.0

NerdWallet rating 
Synchrony Bank CD

Minimum deposit

$0

Member FDIC

1-year APY

1.90%

3-year APY

2.50%

5-year APY

2.90%
Learn more

at Synchrony Bank, Member FDIC


3-year APY

2.50%

5-year APY

2.90%

Why we like it

Overview: An online bank owned by a Fortune 500 company, Synchrony Bank has more CD terms than many banks, with eight terms under two years. This can be helpful for creating a short-term CD ladder, which is a more flexible approach to saving in CDs than holding funds only in long-term CDs. Synchrony CD rates have no minimum opening deposit or balance requirement. Customer service is available by phone every day.

Fees: Early withdrawal penalties include: three months of interest for CDs of one-year terms or shorter, six months of interest for CDs between one-year and four-year terms, and one year of interest for five-year CDs. No monthly or opening costs.

Other products: Synchrony Bank offers IRA CDs for the retirement-minded as well as a money market account and high-yield savings account that has a program for extra banking perks, including unlimited ATM fee reimbursements. It doesn’t have checking accounts.

List of Synchrony Bank CD rates:

3-month CD: 0.60% APY

6-month CD: 1.05% APY

9-month CD: 1.10% APY

1-year CD: 1.90% APY

16-month CD: 1.90% APY

18-month CD: 2.00% APY

2-year CD: 2.25% APY

3-year CD: 2.50% APY

4-year CD: 2.50% APY

5-year CD: 2.90% APY

Read Full Review
Marcus by Goldman Sachs High-Yield CD
Learn more

at Marcus by Goldman Sachs, Member FDIC

Marcus by Goldman Sachs High-Yield CD

4.5

NerdWallet rating 
Marcus by Goldman Sachs High-Yield CD

Minimum deposit

$500

Member FDIC

1-year APY

1.90%

3-year APY

2.50%

5-year APY

2.90%
Learn more

at Marcus by Goldman Sachs, Member FDIC


3-year APY

2.50%

5-year APY

2.90%

Why we like it

Overview: Marcus is the Goldman Sachs branch launched in 2016 that handles online banking products, including an extensive line-up of CDs with terms from six months to six years. Rates include its one-year CD with 1.90% APY (annual percentage yield) as of 06/24/2022. The minimum is lower than many banks, though some have no minimum. Marcus CD rates from the one-year term onward tend to be better. Live customer service by phone is available every day.

Fees: No monthly or opening fees. If you withdraw early from a standard Marcus CD, the penalty is the following: three months’ worth of interest earned for CD terms less than a year, nine months of interest for CD terms of one to five years and one year’s worth of interest for the six-year CD. Marcus also has no-penalty CDs for three terms: seven months, 11 months and 13 months.

Other products: Its savings account’s rate is similarly impressive. The bank doesn't, however, offer mobile apps, ATMs, branches or checking accounts, so it’s best for letting the interest on your money grow.

Full list of Marcus CD rates:

6-month CD: 1.05% APY

9-month CD: 1.10% APY

1-year CD: 1.90% APY

18-month CD: 2.00% APY

2-year CD: 2.25% APY

3-year CD: 2.50% APY

4-year CD: 2.50% APY

5-year CD: 2.90% APY

6-year CD: 2.90% APY

Read Full Review
Quontic Bank CD
Learn more

at Quontic Bank, Member FDIC

Quontic Bank CD

5.0

NerdWallet rating 
Quontic Bank CD

Minimum deposit

$500

Member FDIC

1-year APY

2.01%

3-year APY

2.81%

5-year APY

2.86%
Learn more

at Quontic Bank, Member FDIC


3-year APY

2.81%

5-year APY

2.86%

Why we like it

Overview: With roots as a community development financial institution in New York City, Quontic Bank expanded to become a digital bank with a stellar line-up of high-yield CDs. The minimum opening requirement of $500 is on the lower end. Terms go from six months to five years.

Fees: There are no monthly or opening fees, but early withdrawal fees are on the steep end. For one-year CDs, the penalty is one year of interest; and for two-year CDs and longer, the penalty is two years of interest. The penalty can include part of your initial balance depending on the date of the early withdrawal, meaning a penalty can result in losing you money in a CD.

Other products: Quontic Bank also offers a high-yield savings account, several types of rewards checking accounts, mortgages and more.

Quontic Bank CD rates:

6-month CD: 1.26% APY

1-year CD: 2.01% APY

2-year CD: 2.51% APY

3-year CD: 2.81% APY

5-year CD: 2.86% APY

Read Full Review

Barclays Online CD

5.0

NerdWallet rating 
Barclays Online CD

Minimum deposit

$0

Member FDIC

1-year APY

1.90%

3-year APY

2.50%

5-year APY

2.90%

3-year APY

2.50%

5-year APY

2.90%

Why we like it

Overview: Barclays, an online-only U.S. branch of a London-based company by the same name, has CD rates with the rare perk of no opening minimum. Terms include one-year to five-year CDs. Customer service is available every day for 12 hours.

Fees: No monthly or opening fees. The early withdrawal penalties are three months of interest for two-year CDs and shorter, and six months of interest for CDs with terms longer than two years.

Other products: Barclays also has a high-yield savings account with no minimum deposit and a bare-bones mobile app. The bank lacks checking, an ATM network and advanced budgeting tools.

Full list of Barclays CD rates:

1-year CD: 1.90% APY

18-month CD: 2.00% APY

2-year CD: 2.25% APY

3-year CD: 2.50% APY

4-year CD: 2.50% APY

5-year CD: 2.90% APY

Read Full Review

TIAA Bank Basic CD

5.0

NerdWallet rating 
TIAA Bank Basic CD

Minimum deposit

$1,000

Member FDIC

1-year APY

1.65%

3-year APY

2.30%

5-year APY

2.85%

3-year APY

2.30%

5-year APY

2.85%

Why we like it

Overview: TIAA Bank, part of the Fortune 100 company Teachers Insurance and Annuity Association of America, offers a wide range of Basic CDs with terms from three months to five years. The $1,000 minimum to open is somewhat low compared with some banks, and the rates can be worthwhile. Although there are some branches, TIAA Bank mainly functions as an online bank with mobile apps and 24/7 customer service by phone.

Fees: Early withdrawal penalties vary for every CD term, starting at 22 days of interest for three-month CD and about 15 months of interest for five-year CDs. The penalties are higher than at some banks. No monthly or opening fees.

Other products: TIAA Bank also offers bump rate CDs. Online checking, savings and money market accounts are also available.

Full list of TIAA Bank CD rates:

3-month CD: 1.00% APY

6-month CD: 1.10% APY

9-month CD: 1.30% APY

1-year CD: 1.65% APY

18-month CD: 1.90% APY

2-year CD: 2.20% APY

30-month CD: 2.20% APY

3-year CD: 2.30% APY

4-year CD: 2.55% APY

5-year CD: 2.85% APY

Read Full Review

PenFed Credit Union Money Market Certificate

5.0

NerdWallet rating 
PenFed Credit Union Money Market Certificate

Minimum deposit

$1,000

Federally insured by NCUA

1-year APY

1.75%

3-year APY

2.60%

5-year APY

3.50%

3-year APY

2.60%

5-year APY

3.50%

Why we like it

Overview: Pentagon Federal Credit Union has served people affiliated with the military since 1935 but as of 2019, anyone can apply to join. Its money market certificates, its CD equivalent, have terms from six months to seven years, with a relatively low minimum deposit of $1,000. Phone support is available every day.

Fees: No monthly or opening fees. Withdrawing early mostly results in losing one year of dividends or 30% of total dividends that would have been earned if the certificate completed its term. This is a steep cost.

Other products: PenFed has a checking account that earns dividends (the credit union version of interest) and high-yield savings accounts, plus a huge ATM network, branches near military bases, and highly-rated mobile apps.

List of all PenFed money market certificate rates:

6-month: 0.75% APY

1-year: 1.75% APY

15-month: 1.90% APY

18-month: 2.05% APY

2-year: 2.75% APY

3-year: 2.60% APY

4-year: 2.60% APY

5-year: 3.50% APY

7-year: 3.00% APY

Federally insured by NCUA.

Read Full Review

TAB Bank CD

5.0

NerdWallet rating 
TAB Bank CD

Minimum deposit

$1,000

Member FDIC

1-year APY

1.85%

3-year APY

2.50%

5-year APY

2.75%

3-year APY

2.50%

5-year APY

2.75%

Why we like it

Overview: TAB Bank is an online bank with roots in Ogden, Utah. Founded in 1998, it started out by serving the trucking industry; TAB stands for Transportation Alliance Bank. Its CDs have competitive yields and range from terms of six months to five years. The opening minimum of $1,000 is on the lower end among online banks.

Fees: No opening or monthly fees. If you withdraw before the term ends, you’ll pay a penalty of either about three months’ worth of interest on CD terms one year or shorter; or about six months’ interest on CD terms longer than a year.

Other products: TAB Bank offers a full suite of financial products including checking, high-yield savings, and money market accounts.

List of all TAB Bank CD rates:

6-month CD: 1.20% APY

9-month CD: 1.55% APY

1-year CD: 1.85% APY

18-month CD: 2.00% APY

2-year CD: 2.30% APY

3-year CD: 2.50% APY

4-year CD: 2.55% APY

5-year CD: 2.75% APY

Read Full Review

Popular Direct CD

4.5

NerdWallet rating 
Popular Direct CD

Minimum deposit

$10,000

Member FDIC

1-year APY

2.10%

3-year APY

3.02%

5-year APY

3.25%

3-year APY

3.02%

5-year APY

3.25%

Why we like it

Overview: Started in 2016, Popular Direct is the online branch of the New York-chartered, 120-year-old Popular Bank. It has one of the highest opening minimum requirements to open a CD among online banks, $10,000, but it may be worthwhile. Terms range from three months to five years. Phone support is available every day.

Fees: No monthly or opening fees. Its early withdrawal penalties include four months of interest for CD terms of less than one year, nine months of interest for CD terms of one- and two-year CDs and one year of interest for CD terms of three and four years. The five-year CD penalty is two years of interest.

Other products: Popular Direct has a high-yield savings account and a minimal mobile app but no branches, ATM network or checking account.

Full list of Popular Direct CD rates:

3-month CD: 0.50% APY

6-month CD: 1.10% APY

1-year CD: 2.10% APY

18-month CD: 2.30% APY

2-year CD: 2.75% APY

3-year CD: 3.02% APY

4-year CD: 3.05% APY

5-year CD: 3.25% APY

Read Full Review

Alliant Credit Union CD

5.0

NerdWallet rating 
Alliant Credit Union CD

Minimum deposit

$1,000

Federally insured by NCUA

1-year APY

1.50%

3-year APY

2.20%

5-year APY

2.80%

3-year APY

2.20%

5-year APY

2.80%

Why we like it

Overview: Founded in 1935 in Illinois, the online-focused Alliant Credit Union is one of the largest credit unions nationwide and offers solid certificate rates. To become a member, one option is to agree to support Alliant's partner charity Foster Care to Success; Alliant will make a $5 donation on your behalf. Alliant’s certificates have a low minimum deposit of $1,000, and terms stretch from one to five years. Unlike at many banks, you can select a term of any month within that range. Phone support is available 24/7.

Fees: No monthly or opening costs. Early withdrawal penalties are more friendly than some banks’; the penalty for certificates of two-year terms or longer consists of up to six months of dividends. Some banks require more than a year of dividends for similar terms.

Other products: Alliant also offers IRA certificates for those saving for retirement as well as high-yield checking and savings accounts and an extensive ATM network.

List of Alliant Credit Union certificate rates:

1-year: 1.50% APY

18-month: 2.00% APY

2-year: 2.10% APY

3-year: 2.20% APY

4-year: 2.40% APY

5-year: 2.80% APY

Read Full Review

Connexus Credit Union CD

4.5

NerdWallet rating 
Connexus Credit Union CD

Minimum deposit

$5,000

Federally insured by NCUA

1-year APY

1.76%

3-year APY

2.36%

5-year APY

2.96%

3-year APY

2.36%

5-year APY

2.96%

Why we like it

Overview: Membership at Connexus Credit Union, founded in 1935 in Wisconsin, is open to anyone who makes a one-time $5 donation to the nonprofit Connexus Association. Connexus share certificates, the equivalent of bank CDs, are limited to four terms — one-year, two-year, three-year and five-year CDs — but all have competitive yields. The $5,000 minimum opening deposit is high. As with bank CDs, money in these certificates is federally insured. Phone support is available every day, about 15 hours on weekdays, as well as live chat, and branches are in four states.

Fees: If you withdraw early from a Connexus share certificate, there’s a penalty: three months of dividends (credit unions’ word for “interest”) for a one-year term, six months of dividends for two-year and three-year terms and one year of dividends for a five-year term. There are no monthly or opening fees, except the $5 donation to join the credit union.

Other products: Connexus also provides retirement share certificates, as well as checking and savings accounts.

Full list of Connexus share certificate rates:

1-year: 1.76% APY

2-year: 2.06% APY

3-year: 2.36% APY

4-year: 2.66% APY

5-year: 2.96% APY

Read Full Review

Live Oak Bank CD

4.0

NerdWallet rating 
Live Oak Bank CD

Minimum deposit

$2,500

Member FDIC

1-year APY

2.00%

3-year APY

2.30%

5-year APY

2.75%

3-year APY

2.30%

5-year APY

2.75%

Why we like it

Overview: Live Oak Bank is a North Carolina-based bank founded in 2008 with a focus on high-yield savings products as well as small business loans. Its CDs range from terms of six months to five years and have strong rates. The opening minimum of $2,500 is somewhat high, and there’s a maximum amount, $250,000, which is also the maximum that can be federally insured in any non-joint bank account. CDs can only be opened online.

Fees: No monthly or opening fees. Live Oak Bank charges for early withdrawals: about three months of interest for CD terms shorter than two years and about six months of interest for CD terms of two years and longer.

Other products: Live Oak Bank also offers a high-yield savings account.

Live Oak Bank CD rates:

6-month CD: 1.10% APY

1-year CD: 2.00% APY

18-month CD: 2.10% APY

2-year CD: 2.20% APY

3-year CD: 2.30% APY

4-year CD: 2.50% APY

5-year CD: 2.75% APY

Read Full Review

Ally Bank High Yield CD

5.0

NerdWallet rating 
Ally Bank High Yield CD

Minimum deposit

$0

Member FDIC

1-year APY

1.75%

3-year APY

2.25%

5-year APY

2.75%

3-year APY

2.25%

5-year APY

2.75%

Why we like it

Overview: Ally Bank, an online-only institution originally founded by General Motors, offers a high-quality banking experience. It has an unusually diverse set of CDs, including a no-penalty CD and bump-rate CDs. There’s no minimum deposit.

Fees: No monthly or opening costs. If you withdraw early from a regular Ally CD, the penalty varies by term: two months of interest for two-year terms and shorter, three months of interest for 18-month and three-year CDs, four months of interest for four-year CDs and five months of interest for five-year CDs.

Other products: Ally is a full-service bank with checking, savings, IRA CDs, investing accounts and more. Its website and mobile app are top-notch, and customer service is available 24/7, with wait times listed online.

Full list of Ally Bank CD rates:

3-month CD: 0.50% APY

6-month CD: 0.75% APY

9-month CD: 1.00% APY

1-year CD: 1.75% APY

18-month CD: 2.00% APY

2-year CD: 1.75% APY

3-year CD: 2.25% APY

4-year CD: 1.75% APY

5-year CD: 2.75% APY

Read Full Review
Bread Savings™️ CD
Learn more

at Bread Savings, Member FDIC

Bread Savings™️ CD

5.0

NerdWallet rating 
Bread Savings™️ CD

Minimum deposit

$1,500

Member FDIC

1-year APY

2.50%

3-year APY

3.25%

5-year APY

3.35%
Learn more

at Bread Savings, Member FDIC


3-year APY

3.25%

5-year APY

3.35%

Why we like it

Overview: Bread Savings (formerly Comenity Direct) is an online-only banking division of Bread Financial (formerly Comenity Bank). Its suite of online CDs have rates worth considering for terms from one to five years. The $1,500 minimum balance is somewhat high.

Fees: No monthly or opening fees. Bread Savings charges a penalty for early withdrawals that’s somewhat steeper than some online banks: about six months of interest for CD terms from one to three years and one year of interest for four- and five-year CDs.

Other products: Bread Savings also features a high-yield savings account.

Bread Savings™️ CD rates:

1-year CD: 2.50% APY

2-year CD: 3.00% APY

3-year CD: 3.25% APY

4-year CD: 3.30% APY

5-year CD: 3.35% APY

Read Full Review

Capital One 360 CD

5.0

NerdWallet rating 
Capital One 360 CD

Minimum deposit

$0

Member FDIC

1-year APY

1.75%

3-year APY

2.50%

5-year APY

2.90%

3-year APY

2.50%

5-year APY

2.90%

Why we like it

Overview: Capital One, one of the biggest U.S. credit card issuers, is also an online bank with strong savings tools and CD options. Terms go from six months to five years, and there’s no minimum to open. Capital One has a handful of cafes in major cities nationwide that function like branches, and its phone support for online customers is available every day.

Fees: No monthly or opening fees. The early withdrawal penalty for 1-year CDs and shorter terms is three months of interest and the penalty for longer terms is six months. These are lower penalties than at some banks.

Other products: Capital One boasts a strong selection of online accounts, including checking, savings and money market accounts. Its mobile apps have been ranked among the highest in customer satisfaction by J.D. Power.

List of all Capital One CD rates:

6-month CD: 0.75% APY

9-month CD: 0.75% APY

1-year CD: 1.75% APY

18-month CD: 2.50% APY

2-year CD: 2.25% APY

30-month CD: 2.25% APY

3-year CD: 2.50% APY

4-year CD: 2.50% APY

5-year CD: 2.90% APY

Read Full Review

» Curious about other savings options? Check out NerdWallet’s best high-yield online savings accounts

CD definition

A certificate of deposit is a bank account that requires you to lock funds away for a fixed period of months or years in exchange for a fixed interest rate that can be higher than other bank accounts. See more about what CDs are.

Best CD rates for June 2022

  • Marcus by Goldman Sachs: 1.05% - 2.90% APY, 6 months - 6 years, $500 minimum to open.

  • Capital One: 0.75% - 2.90% APY, 6 months - 5 years, no minimum to open.

  • Discover Bank: 0.50% - 2.90% APY, 3 months - 10 years, $2,500 minimum to open.

  • Barclays: 1.90% - 2.90% APY, 1 - 5 years, no minimum to open.

  • TIAA Bank: 1.00% - 2.85% APY, 3 months - 5 years, $1,000 minimum to open.

  • Pentagon Federal Credit Union: 0.75% - 3.00% APY, 6 months - 7 years, $1,000 minimum to open.

  • TAB Bank: 1.20% - 2.75% APY, 6 months - 5 years, $1,000 minimum to open.

  • Synchrony Bank: 0.60% - 2.90% APY, 3 months - 5 years, $2,000 minimum to open.

  • Popular Direct: 0.50% - 3.25% APY, 3 months - 5 years, $10,000 minimum to open.

  • Alliant Credit Union: 1.50% - 2.80% APY, 1 - 5 years, $1,000 minimum to open.

  • Connexus Credit Union: 1.76% - 2.96% APY, 1 - 5 years, $5,000 minimum to open.

  • Live Oak Bank: 1.10% - 2.75% APY, 6 months - 5 years, $2,500 minimum to open.

  • Comenity Direct: 1.00% - 1.40% APY, 1 - 5 years, $1,500 minimum to open.

  • Ally Bank: 0.50% - 2.75% APY, 3 months - 5 years, no minimum to open.

  • Quontic Bank: 1.26% - 2.86% APY, 6 months - 5 years, $500 minimum to open.

How do CDs work?

Learn more about the journey of choosing, opening and closing CDs:

For choosing CDs:

For opening CDs:

For closing CDs:

What is a no-penalty CD?

A no-penalty CD is a type of CD that doesn’t have a penalty for withdrawing money before the term ends. It can be appealing if you want the traditionally higher yield of a CD, compared to regular savings accounts, but you might need the money sooner than you expect.

Best no-penalty CD rates

If you withdraw money from a CD before the term ends, you generally pay a penalty of at least several months' worth of interest earned. But some providers have CDs without this early withdrawal penalty, though rates are slightly lower than other CD rates. Here are some:

  • Marcus by Goldman Sachs, 11-month no-penalty CD, 0.35% APY.

  • Ally Bank, 11-month no penalty-CD, 1.00% APY.

  • CIT Bank, 11-month no-penalty CD, 1.40% APY.

» See more details on our list of the best no-penalty CD rates.

What happens if I withdraw from a CD early?

Most CDs have an early withdrawal penalty that tends to range from several months' to a year's worth of interest earned, depending on the CD term length and the bank's policy. No-penalty CDs are the only type of CD that lets you withdraw money from a CD early without a fee. Learn more about different types of CDs.

Last updated on June 1, 2022

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Discover Bank Online Savings

5.0

NerdWallet rating 
Discover Bank Online Savings

APY

1.10%

With $0 min. balance for APY

Bonus

$200

Requirements to qualify

at Discover Bank, Member FDIC

American Express® High Yield Savings Account

4.5

NerdWallet rating 
American Express® High Yield Savings Account

APY

1.00%

With $1 min. balance for APY

at American Express National Bank, Member FDIC

Citi® Accelerate Savings

4.5

NerdWallet rating 
Citi® Accelerate Savings

APY

1.01%

With $1 min. balance for APY

at Citibank, N.A., Member FDIC

Methodology

On a monthly basis, we compare rates at over 20 financial institutions, pulled from our full list, that we’ve seen to be consistently competitive. On a quarterly basis, we analyzed our full list, excluding banks that offered brokered CDs, since those accounts work differently from standard bank CDs. Higher rates might be available elsewhere.

We took a close look at over 80 financial institutions and financial service providers, including the largest U.S. banks based on assets, internet search traffic and other factors; the nation’s largest credit unions, based on assets and membership; and other notable and/or emerging players in the industry. We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more.

Frequently asked questions