About OnlineBankRates.com

OnlineBankRates.com exists to make today's bank rates understandable — and actionable — for everyday consumers. When markets get turbulent, banks change their deposit rates fast. We track the best CD, high-yield savings, money market, and mortgage rates, and we explain what benchmark moves mean for your cash.

Our editorial coverage is independent. Where we earn a commission from a partner, it's clearly disclosed and never changes the order of our top picks. We rate by APY, terms, and accessibility — not by who pays the most.

Every APY we publish is recorded from a dated source — the bank's own rate page or a reputable rate aggregator — and we show which one, plus when it was last checked. Rates change frequently, so always confirm the current APY directly with the institution before opening an account.